AML Conference Estonia

AML Conference Estonia Join us at the EU AML Package Conference! 🌍 Explore new measures against financial crimes, regulatory shifts, and the future of AML.

Let's discuss the journey and what's next!

🚨💥 We closed the conference with a truly outstanding final panel:🎯 “Crypto Crime Under Control? Regulation, Intelligence...
06/05/2026

🚨💥 We closed the conference with a truly outstanding final panel:
🎯 “Crypto Crime Under Control? Regulation, Intelligence and Enforcement Challenges.”
An extremely practical, honest and high-level discussion on where the crypto ecosystem really stands today in the fight against financial crime.
🎙️ Panelists:
David Baker I Isle of Man Financial Services Authority
Salih Altuntas I Chainalysis Government Solutions, ex Federal Law Enforcement
Jani Ultamo I Coinmotion
Kiur Olaf Sild I Politsei- ja Piirivalveamet I National Central Criminal Police
🎤 Expertly moderated by:
Krista Severev I Sorainen Eesti

🔥 Key themes on the table:
FATF Travel Rule → reality vs expectations
Cross-border investigations & asset recovery
Blockchain analytics & de-anonymisation
Real-time monitoring capabilities
Public–Private Cooperation (PPP)
DeFi risks & sanctions evasion
MiCA market abuse challenges
Intelligence-sharing between regulators, FIUs, banks and crypto firms

💡 One thing became very clear:
Crypto crime is no longer a “niche issue”.
It sits directly at the intersection of:
🌍 geopolitics
⚖️ regulation
🤖 technology
🔍 intelligence
💸 organised crime
And fighting it effectively requires:
⚡ speed
🤝 cooperation
📊 data-driven intelligence
🌐 cross-border ex*****on

👏 Huge thanks to all panelists for an exceptionally open and practical discussion. And special thanks to our outstanding PPP cooperation partner Chainalysis for bringing world-class expertise, innovation and investigative insight to the conference 🚀

🤖🚀 “The Math has stopped working.” One of the most mind-blowing and future-focused sessions of the conference came from ...
06/05/2026

🤖🚀 “The Math has stopped working.”
One of the most mind-blowing and future-focused sessions of the conference came from our great partner Chainalysis Government Solutions 👏
🎤 Martin Schwarz kicked things off with a powerful keynote:
👉 “Powering Intelligence, Law Enforcement, Regulation, Supervision and Taxation in the Age of AI Agents”
Followed by an absolutely outstanding LIVE demo by
🎤 Andre Kramer — showing what “machine-speed intelligence” actually looks like in practice.
💡 Key message from Chainalysis:
We are entering the era of:
🤖 AI agents
⚡ machine-speed investigations
📊 exploding data volumes
🌍 automated criminal ecosystems
And traditional manual methods simply cannot keep up anymore.
🔥 Some eye-opening insights:
AI-agentic activity is rapidly growing across crypto ecosystems
Stablecoins and automated infrastructures are changing the threat landscape
Criminals are scaling with AI — regulators, FIUs and law enforcement must do the same
👉 One unforgettable line:
“The criminals are scaling. The question is — are you?”
💬 Martin’s keynote explored:
AI-driven financial crime & sanctions evasion
Agent economy & machine-speed decision making
Real-time supervision possibilities
Future of FIUs, regulators and law enforcement
“Ground Truth at Machine Speed”
🎯 And then Andy took it to another level with LIVE demos:
CASP supervision
FIU intelligence workflows
Scam tracing
Wallet investigations
AI-assisted blockchain analytics
The audience could literally see how:
👉 investigations, supervision and intelligence are moving toward near real-time ex*****on.
👏 Huge thanks to Chainalysis for bringing such an innovative, provocative and future-defining session to Tallinn!
The future of AML / FinCrime is clearly becoming:
🧠 AI-augmented
⚡ intelligence-driven
🌍 cross-border
🤝 deeply collaborative

🚨 Crypto regulation is entering a completely new eraA highly topical and globally relevant keynote today at the conferen...
06/05/2026

🚨 Crypto regulation is entering a completely new era
A highly topical and globally relevant keynote today at the conference:
🎤 David Baker, Isle of Man Financial Services Authority I MONEYVAL Senior Expert
👉 “Virtual Assets, Sanctions Evasion and Financial Crime – Insights from MONEYVAL’s Latest Report”
An outstanding deep dive into how the crypto risk landscape is evolving far beyond “traditional AML” 🌍
💡 Key messages from the session:
Crypto-related crime is becoming increasingly connected to:
⚠️ sanctions evasion
⚠️ proliferation financing
⚠️ organised fraud networks
⚠️ geopolitical risks
The regulatory conversation is shifting from:
👉 “building frameworks” → “testing real effectiveness & enforcement”
Stablecoins, DeFi and cross-border VASP activity are now central risk areas
Travel Rule implementation is improving globally — but still highly uneven
Public-private cooperation and blockchain analytics are becoming critical enforcement tools

📊 Some striking insights:
~80% of jurisdictions were still partially/non-compliant with FATF Recommendation 15 only recently
84% of illicit virtual asset volume now involves stablecoins
Sanctions-linked crypto activity has surged dramatically in recent years

🎯 One very clear takeaway:
Crypto is no longer “just” an AML topic.
It is now directly connected to:
🌍 national security
⚖️ sanctions enforcement
🔍 intelligence sharing
🏛️ supervisory coordination
🤝 international cooperation

👏 Huge thanks to David Baker for bringing such strong international perspective and real-world supervisory insights to Tallinn!

🚨 Fraud prevention must move from reaction → preventionAnother outstanding keynote at the conference today 👏🎤 Evelyn Lii...
06/05/2026

🚨 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

🔥 FRAUD is the battlefield — and this session went straight to the coreOne of the strongest and most urgent discussions ...
06/05/2026

🔥 FRAUD is the battlefield — and this session went straight to the core

One of the strongest and most urgent discussions of the conference today:

🎯 “From EU Strategy to Street-Level Enforcement – Combating Fraud and Scams in the Digital/AI Era”

🎤 We started with a highly impactful keynote from Sebastian Bley, Europol – EFECC

👉 “Europol’s Role in Fighting Fraud in the European Union”
Clear message from Europol:
Fraud is becoming the fastest-growing area of organised crime
AI is accelerating scam sophistication at unprecedented speed
Crypto increasingly plays a role in fraud ecosystems
Criminals operate globally, digitally and at scale ...

💡 One of the strongest takeaways:
👉 We are no longer fighting isolated fraudsters — we are fighting industrialised fraud networks

🇪🇪 Followed by a very practical and action-oriented keynote from Jaagup Toompuu I Politsei- ja Piirivalveamet I Central Criminal Police

👉 “Building Estonia’s National Fraud Strategy – From Intelligence to Action”
A powerful reality check:
Traditional investigation alone is too slow and reactive
The real win comes from prevention & disruption
Estonia’s strength today lies in Public–Private Partnership (PPP)
Data and early intervention are becoming the key weapons against fraud

💬 Particularly strong point:
👉 “The goal is simple: keep the money in the victim’s pocket and make fraud too expensive to operate in Estonia.”

🎙️ Followed by a high-level panel discussion:
“National Strategies to Combat Fraud – From Intelligence to Execution”
With:
Jaagup Toompuu I Politsei- ja Piirivalveamet I Central Criminal Police
Tiit Tammai I Swedbank Eestis

Moderated by Sandra Horma I LHV Bank Estonia / Estonian Banking Association

🔥 Key themes on the table:
Fraud as organised crime
AI-enabled scams & cyber fraud
Public–private cooperation
Intelligence-led investigations
Cross-border enforcement challenges
Prevention vs reaction
The need for real-time intervention
🎯 Final takeaway:
The future fight against fraud will not be won by working in silos.
It will be won through:
🤝 cooperation
⚡ speed
📊 intelligence
🧠 data-driven prevention
🌍 and cross-border action

🎯This is no longer just an AML issue. This is a societal resilience issue.

🚀 Day 2 is LIVE — and we kicked off at full speed!The morning session “ICT Risk, Innovation and Resilience in EU Finance...
06/05/2026

🚀 Day 2 is LIVE — and we kicked off at full speed!

The morning session “ICT Risk, Innovation and Resilience in EU Finance” started with real impact 💥

🎤 Opening by Minister Liisa Pakosta

Strong and forward-looking remarks from the Estonian Government — setting the tone on how digitalisation, security and resilience must go hand in hand in today’s risk landscape 🇪🇪

💡 Followed by a top-level keynote from Marilin Pikaro European Banking Authority I EBA

“ICT Risk, Innovation and Resilience in EU Finance: What’s New and What’s Next?”

👉 Key takeaways:
🤖 AI is reshaping finance faster than regulation can follow
Payment fraud is evolving alongside instant payments & embedded finance
🔐 Operational resilience is no longer optional — it’s mission-critical
🌐 Growing complexity across crypto, tokenisation, BigTech & quantum risks
👉 Clear message from EBA:
Innovation, risk and supervision must evolve together — not separately
💬 And now diving deeper into the panel:
“Digital Resilience, ICT Risk and Fraud Prevention – From Regulation to Execution”
🎤 Featuring:
Toomas Vaks I Swedbank Sverige
Åsa Granberg I IDEMIA National Security Solutions

Taavi Viilukas I Justiits- ja Digiministeerium I Ministry of Justice and Digital Affairs

🎙️ Moderated by Janis Kaulins CFA FCCA CIA CAMS-Audit CISSP SCR-Certified I EY Baltics

🔥 Key themes in discussion:
DORA in practice → reality vs expectations
Cyber-enabled fraud → system-wide response needed
AI governance & model risk
ICT third-party & cloud concentration risk
And the big one: AML × Fraud × ICT convergence
🎯 Bottom line:
We are entering an era where
👉 technology risk = financial crime risk = systemic risk
And managing that requires joint effort across regulators, industry and technology providers

🚀 Strong finish to an intense and high-level conference day!The Rahapesu Andmebüroo I FIU Estonia Signature Session brou...
05/05/2026

🚀 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!

🔥 Afternoon deep dive: from AMLD6 theory → real effectivenessThe conference continues at full speed — and the afternoon ...
05/05/2026

🔥 Afternoon deep dive: from AMLD6 theory → real effectiveness

The conference continues at full speed — and the afternoon session has taken the discussion to a whole new level 🚀

🎤 Strong keynote by Laura Aus I Rahapesu Andmebüroo I FIU Estonia / MONEYVAL Bureau: “AMLD6 – What It Brings (and Confuses)”

A very clear and honest breakdown of:
👉how effectiveness is actually measured (not just compliance)
👉how risks must be understood and addressed in practice
the growing role of the non-financial sector
👉and what AMLD6 really means when it hits real implementation

💬 Followed by a high-level panel:
“From Evaluation to Effectiveness – What Really Changed Between MONEYVAL Rounds 5 and 6?”

🎯 Strong opening by Rainer Osanik I Rahandusministeerium I Ministry of Finance Estonia
👉 bringing in NRA 2025 insights, real risk areas (incl. gambling & TCSP sector)
👉 and key upcoming shifts around AMLD6 & AMLR

🎤 Panel discussion featuring:

Raul Vahtra @(Swedbank Eestis
Laura Aus Rahapesu Andmebüroo I FIU Estonia I MONEYVAL Bureu
🎙️ Moderated by Albert Linntam I Sorainen Eesti

💡 Key debate points:
👉Formal compliance vs real effectiveness
👉Enforcement reality & confiscation challenges
👉What Estonia must fix before AMLD6 fully lands
👉Where the real bottlenecks are: law, ex*****on or capability?
👉 Bottom line:
We are clearly moving from “rules on paper” → “results in practice”

Exactly the discussion the industry needs right now.

🚀 Another strong highlight from the conference stage!A big thank you to Kerstin Pilt (Finantsinspektsioon / Financial Su...
05/05/2026

🚀 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…

🔥 High-level conference is officially LIVE — and what a powerful start!A huge thank you to our outstanding moderators An...
05/05/2026

🔥 High-level conference is officially LIVE — and what a powerful start!

A huge thank you to our outstanding moderators Anu Ahas-Saaron and Siiri Grabbi for setting the tone so brilliantly 👏

🎤 Strong opening flow on stage:

Matis Mäeker (FIU Estonia) – opening keynote on the evolving AML/CFT landscape
Samu Kurri (FIN-FSA) – Nordic supervisory perspective
Kristine Černaja-Mežmale (Bank of Latvia / EBA) – Baltic strategic view

💡 And right now — we are deep into a high-level AMLA strategic panel, discussing the future of AML supervision across the Nordic-Baltic region

👉 Panel also features Andre Nõmm (FSA Estonia)
🎙️ Moderated by Kilvar Kessler, leading a truly engaging and dynamic discussion

The energy, insights and level of discussion… exactly what this space needs 🚀

More to come!

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