AML Conference Estonia

🚨 Fraud prevention must move from reaction → prevention
Another outstanding keynote at the conference today 👏
🎤 Evelyn Liivamägi
Deputy Secretary General, Estonian Ministry of Foreign Affairs / Välisministeerium I Financial & Tax Policy Leader

👉 “Stopping Fraud Before It Happens – National Policy, Prevention and Protection Measures”
A very practical and forward-looking overview of how Estonia is strengthening its national anti-fraud framework 🇪🇪
💡 Key focus areas:
National awareness & prevention campaigns
State-level anti-fraud measures
Stronger public–private cooperation
Building a more proactive anti-fraud ecosystem
Legislative changes enabling banks to suspend suspicious transactions in real time
🎯 One of the strongest messages:
Fraud prevention can no longer rely only on investigation after the damage is done —
the future lies in early intervention, prevention and rapid cooperation
📊 Estonia is clearly moving toward a more:
⚡ proactive
🤝 cooperative
🧠 intelligence-driven anti-fraud model.
An extremely timely discussion as fraud, scams and AI-enabled crime continue to grow across Europe.

*F

🚀 Strong finish to an intense and high-level conference day!

The Rahapesu Andmebüroo I FIU Estonia Signature Session brought the discussion exactly where it needs to be:
👉 “FinTech Without Borders? AML Risks, Regulatory Arbitrage and Supervision under the AMLA Era”

🎤 Powerful keynote by Matis Mäeker I FIU Estonia:
Real data. Real risks. No sugarcoating.

💡 Key takeaways:
📊 Transaction volumes are growing fast — but don’t always correlate with real economic activity
🌍 Cross-border risk is the new normal — with complex inflows from UK, Malta, Lithuania, Germany and beyond
⚠️ 2025 risk landscape:
fraud, tax crime, sanctions evasion and “unknown origin” still dominate
🤝 One clear message: cross-border risks require collective, international action

💬 Followed by a sharp and practical roundtable:
“From Growth to Governance: Managing Cross-Border Risks in Practice”

🎤 Great insights from:
Uldis Upenieks I ACAMS Baltic Chapter
Kuddu I
Matis Mäeker I FIU Estonia

🎙️ Moderated by Kevin Gerretz I — driving a focused and forward-looking discussion

🔥 Key debate:
👉 How do we move from growth-driven cross-border expansion → governance that actually works?

Topics tackled:

👉Where AML risks really emerge (onboarding? monitoring? partners?)
👉Is regulatory arbitrage real or just misunderstood?
👉Can we ever achieve a true single AML framework across borders?
👉What does AMLA actually change in practice?
👉What does real public–private cooperation look like?

🎯 Final takeaway:
We are moving into a new phase where
👉 speed, scale and cross-border complexity meet supervision, data and accountability

And the real challenge is no longer regulation —
it’s ex*****on.

👏 Thank you to all speakers, panelists and participants for an outstanding day!

🚀 Another strong highlight from the conference stage!

A big thank you to Kerstin Pilt (Finantsinspektsioon / Financial Supervision and Resolution Authority (Estonian FSA) for a powerful and forward-looking keynote on:

👉 “Estonia’s FSA Supervisory Strategy & Market Evolution for 2026+”

Clear message: supervision is evolving fast — and the expectations for banks, fintechs and crypto players are rising just as quickly.

💬 Followed by a highly insightful panel:
“From Lessons Learned to Future Direction: Supervisory and Market Perspectives in a Changing Financial Landscape”

🎤 Great discussion with:
Svetlana Prussova ( / Coinspaid Solutions)
Mari Mõis (Estonian Banking Association / Luminor Group
Kerstin Pilt (FSA Estonia)

🎙️ Expertly moderated by Aivar Paul (Wallester, ex-FIU Estonia) — bringing strong practical and regulatory depth into the conversation

💡 Key takeaway:
The gap between regulation, supervision and real market ex*****on is narrowing — and that’s exactly where the future is being shaped.

🙏 Special thanks to our great partners:

CryptoProcessing by Coinspaid & wallester

Your contribution and support help make this high-level discussion possible!

More insights coming soon…