AML TALLINN 2026
Nordic-BALTIC
AML / FinCrime & Tech Conference 2026
Navigating the Future of Financial Integrity: AML, FinCrime, Technology and Global Risk
Day 1 - 5 May
Day 2 - 6 May
ONSITE at Swissôtel Tallinn, ESTONIA &
ONLINE via ELISA Stage
FINEL SEATS – secure your seat today, or JOIN ONLINE!
ORGANIZED BY:
info@finesto.ee I (+372) 5173623
Conference Theme 2026
Navigating the Future of Financial Integrity: AML, FinCrime, Technology and Global Risks
The Nordic-Baltic AML / FinCrime & Tech Conference 2026 brings together EU institutions, regulators, supervisors, FIUs, law enforcement, financial sector leaders and technology innovators to address the most critical developments shaping financial integrity, supervision and enforcement in Europe and beyond.
Day 1 Focus - EU AML Architecture, AMLA & Supervisory Strategy
Day 1 focuses on the new EU AML architecture and its real-world implementation, with a central spotlight on AMLA’s role, supervisory convergence and cross-border cooperation in the Nordic-Baltic region.
The programme brings together EU-level strategy (AMLA), national supervision (FSA) and financial intelligence (FIU) to explore how regulation translates into practice.
Key sessions cover:
AMLA’s supervisory framework and expectations I Nordic-Baltic supervisory coordination I National supervisory strategy and MiCA implementation I MONEYVAL methodology and upcoming AMLD6 evaluations I From evaluation to enforcement: lessons from Latvia and implications for the Baltics
Cross-border FinTech, payments and regulatory arbitrage risks.
The day bridges policy, supervision and market reality, providing clarity on how AML/CFT frameworks will operate in practice in an increasingly cross-border and technology-driven financial system.
Day 2 Focus – Digital Resilience, Fraud & Financial Crime Enforcement
Day 2 shifts the focus to FinCrime, fraud prevention, cyber resilience and enforcement, reflecting the rapidly evolving threat landscape driven by digitalisation, AI and instant payments.
The programme covers the full chain from EU strategy → national action → operational execution.
The afternoon deep-dives into crypto and virtual assets. The day provides a practical, execution-focused view on how financial crime is detected, investigated and prosecuted.
Across Both Days – Technology, Data & the Future of Financial Crime Prevention
Across both days, the programme highlights how technology, data and innovation are reshaping AML and FinCrime frameworks, including: AI-driven risk detection and analytics I Digital payments, instant payments and fraud risks
Crypto-assets and blockchain intelligence I RegTech and supervisory technology I Data-driven decision-making e.t.c.
The agenda reflects a shift from reactive compliance to proactive, intelligence-led supervision and enforcement, enabling authorities and market participants to respond more effectively to global and cross-border financial crime risks.
CONFERENCE VENUE
ONLINE CONFERENCE
via
The working language of the conference is English.
Diamond sponsors
Platinum sponsors
Silver sponsors
Final high-level speaking slots available for selected strategic partners I sponsors!
Contact us to explore a tailored cooperation:
info@finesto.ee I (+372) 5173623
DAY MODERATORS
Anu AHAS-SAARON
AML/FinCrime/Compliance leader - Former Head of AML Operations at Wise, Ex-KPMG
Siiri GRABBI
Head of Sanctions Committee of Estonian Banking Association, Sanctions/CTF Officer at Coop Pank
OPENING KEYNOTE SPEAKERS
Liisa-Ly PAKOSTA
Minister of Justice and Digital Affairs of the Republic Estonia
Matis MÄEKER
Head of Estonian Financial Intelligence Unit
SPEAKERS
Kerstin PILT
Chair of the Management Board, Estonian Financial Supervisory Authority
Samu KURRI
Head of Department of Digitalisation and analysis, Finnish Financial Supervision Authority I FIN-FSA
Kristine ČERNAJA-MEŽMALE
Latvijas Banka I EBA Management Board I AMLA General Board (Supervisory)
Raul VAHTRA
Member of the Board at Swedbank in Estonia, Head of Anti-Financial Crime Division
Laura AUS
Deputy Head of Estonian FIU, Member of MONEYVAL Bureau
Sebastian BLEY
Head of Team – Serious Fraud European Financial and Economic Crime Centre (EFECC), Europol
Svetlana PRUSSOVA
Member of the Management Board at CryptoProcessing by Coinspaid
Aivar PAUL
Chief AML Officer, and Member of Management Board at Wallester
Evelin LIIVAMÄGI
Deputy Secretary General, Estonian Ministry of Finance
Uldis UPENIEKS
CAMS, Co-Chair, ACAMS Baltic Chapter, AFC industry Leader
Marilin PIKARO
Director of Innovation, Conduct and Consumers, European Banking Authority
Janis KAULINS
Partner at EY, leading FinCrime for Central, Eastern, Souteastern Europe and Central Asia
Rainer OSANIK
Head of Financial Information and Intelligence Policy Department of Estonian MoF
Andy KRAMER
Government Advisor at Chainalysis, Ex State Law Enforcement
Andre NÕMM
Member of the Board, Estonian Financial Supervision Authority, Member of the supervisory board of the AMLA
Taavi VIILUKAS
Director of National Cyber Security, Ministry of Justice and Digital Affairs
Jaagup TOOMPUU
National Fraud Prevention and Investigation Unit, Central Criminal Police
Salih ALTUNTAS
Director of Investigations fo Chainalysis, Inc., ex Federal Law Enforcement
Kilvar KESSLER
Former Chairman of the Board of Finantsinspektsioon - Estonian FSA
Mari MÕIS
Chairman of the Council, Estonian Banking Association, Management Board member of Luminor Bank
Tiit TAMMAI
Head of AML/Fraud Investigations at Swedbank Estonia
Martin SCHWARTZ
MBA, Head of Public Safety & Intelligence D/A/CH Chainalysis, Inc.
Kevin GERRETZ
Head of Financial Regulatory at Ellex in Estonia
Jani ULTAMO
Chief Compliance Officer, Coinmotion
Kaarel KUDDU
AML /KYC Product Director at Wise
Åsa GRANBERG
Strategic Sales Sweden & Baltics at IDEMIA
Albert LINNTAM
Counsel at SORAINEN, Risk Management I Corporate Crime Investigations
David BAKER
MONEYVAL Senior Expert, AML/CFT Supervision Division of Financial Services Authority, Isle of Man
Toomas VAKS
Risk Manager in Group Risk, Swedbank Group I Executive Cyber Risk & Resilience Leader
Krista ŠEVEREV
Senior Associate at SORAINEN Estonia, Finance & Insurance team
Sandra HORMA
Head of the Fraud Prevention Committee, Estonian Banking Association, LHV Bank
Kiur Olaf SILD
Analysis and Intelligence group Lead, Asset Recovery Bureau – Estonian National Criminal Police
Agenda
DAY 1
AMLA & the New AML Architecture – EU, Regional Perspectives and Estonia’s Supervisory Shift
Morning Sessioon: EU AML Architecture & National Implementation
8:30 - 9:00
Morning Coffee and Networking
9:00 - 9:10
Opening Remarks by Conference Day Moderators
Siiri GRABBI, AML/ Sanctions leader - Head of Sanctions Committee of Estonian Banking
Association, Sanctions/CTF Officer at Coop Pank
Anu AHAS-SAARON, AML/FinCrime/Compliance leader - Former Head of AML Operations
at Wise, Ex-KPMG
9:10 - 9:30
Conference Opening Keynote
"The Evolving AML/CFT Landscape: How Politics, Fraud, and System Rebuilds are Shaping the Future. "
Matis MÄEKER, Head of Financial Intelligence Unit – Estonian FIU
Focus Themes:
How the FATF is a technical body, but has huge political elements
How fraud is becoming a topic on everyone's lips - FATF commitment
How Latvia and Malta rebuilt its system and how they are very effective countries
9:30 - 11:00
Strategic Session: “AMLA and the Future of AML Supervision – Nordic-Baltic Perspectives”
9:30 - 9:50
Nordic Supervisory Perspective
Samu KURRI, Head of Department of Digitalisation and analysis, Finnish Financial Supervision Authority I FIN-FSA, and AMLA alternate
Focus Themes:
Nordic supervisory priorities in the AMLA era
Cross-border supervision and Baltics cooperation challenges
Alignment with EU-level expectations
9:50 - 10:00
High-Level Roundtable Discussion
9:50 - 10:00
Baltic Supervisory Opening Remarks:
"Baltics Supervision Perspective in New AMLA Era."
Kristine ČERNAJA-MEŽMALE, Member of the Council, Latvijas Banka; Member of the EBA Management Board; Member of the AMLA General Board (Supervisory Composition)
10:00 - 11:00
Roundtable Discussion:
"Baltics Supervision Perspective in New AMLA Era."
Kristine ČERNAJA-MEŽMALE, Member of the Council, Latvijas Banka; Member of the EBA Management Board; Member of the AMLA General Board (Supervisory Composition)
Andre NÕMM, Member of the Board, Financial Supervision Authority - FSA Estonia, Member of the Supervidory Board of the EU Anti-Money Laundering Authority (AMLA
Samu KURRI, Head of Department of Digitalisation and analysis, Finnish Financial Supervision Authority I FIN-FSA, and AMLA alternate
Roundtable Moderator:
Kilvar KESSLER, Former Chairman of the Board, Estonian Financial Supervisory Authority
Discussion Focus:
AMLA impact on supervisory architecture in practice
From EBA to AMLA: real shift or continuity?
Supervisory convergence vs national specificities
Cross-border supervision and group-level expectations
Key risk areas: payments, sanctions, beneficial ownership, crypto
AML × sanctions: integrated or still separate frameworks?
Nordic-Baltic cooperation and regional risk exposure
What financial institutions must change now
11:00 - 11:30
Coffee Break & Networking
11:30- 13:00
Estonian FSA Spotlight Session:
"Estonian FSA Spotlight: Supervisory Strategy & Market Evolution Session. "
11:30- 12:00
Keynote Presentation:
"Estonia’s Financial Supervision Strategy 2026+. "
Kerstin PILT, Chair of the Management Board, Estonian Financial Supervisory Authority (FSA)
Key topics:
Risk-based supervision in a changing financial ecosystem
FSA priorities for banks, fintechs, VASPs and PSPs
Supervisory convergence in the EU and Regional (Nordic-Baltic) market
12:00 - 13:00
Panel Discussion:
“From Lessons Learned to Future Direction: Supervisory and Market Perspectives in a Changing Financial Landscape. ”
Kerstin PILT, Chair of the Management Board, Finantsinspektsioon – Estonian FSA
Svetlana PRUSSOVA, Member of the Management Board at CryptoProcessing by Coinspaid
Mari MÕIS, Chairman of the Council of Estonian Banking Association, Management Board member of Luminor Bank
Panel Moderator:
Aivar PAUL, Chief AML Officer, and Member of Management Board at Wallester,
Ex-Head on FIU Estonia
Discussion points:
Interaction between MiCA, AMLA and national supervision
Practical lessons for banks, crypto and fintech players
First supervisory experiences under MiCA
Licensing, governance and compliance expectations
13:00 - 14:00
Lunch Break and Networking
Afternoon Session: MONEYVAL Strategy & AMLD6 Evaluations – Practical Challenges & Borderless Compliance
14:00 - 15:30
AMLD6 Evaluations Session
14:00 – 14:15
Keynote Presentation:
"AMLD6 – What It Brings (and Confuses): Clearing the Fog for Regulators, Supervisors and Market Participants. "
Laura AUS, Member of MONEYVAL Bureau, Deputy Head of Estonian FIU
Indicative Key Topics (to be refined by the speaker):
Decisive factors in upcoming national AML/CFT evaluations
The role of Immediate Outcomes (IOs) in measuring effectiveness
Importance of national risk assessments and State Policy Leaders capabilities
AMLD6 & National Policy Implementation
14:15 - 15:30
Panel Discussion:
14:15 - 14:30
Panel Opening remarks
"Setting the Risk Agenda: Key Threats and Policy Priorities Ahead. "
Rainer OSANIK, Head of Financial Information and Intelligence Policy Department of Ministry of Finance Estonia (MoF)
14:30 - 15:30
Raul VAHTRA, Member of the Board, Head of Anti-Financial Crime Division, Swedbank in Estonia
Laura AUS, Deputy Head of Estonian FIU, Member of MONEYVAL Bureau
Lavly PERLING, Politician and Lawyer, Ex-Prosecutor Generalof Prosecutor’s Office Estonia (TBC)
Panel Moderator:
Albert LINNTAM, Counsel at SORAINEN, Risk Management I Corporate Crime Investigations
Discussions Topics:
Enforcement & Legal Framework: Criminal vs administrative liability in AML enforcement
From Evaluation to Effectiveness: Key lessons from Latvia’s MONEYVAL 6th round evaluation
Market Impact: Practical recommendations for policymakers, supervisors and FIUs
From policy level to operational execution (“top-down to ground level”)
What Estonia and Lithuania should prioritise next
15:30 - 16:00
Coffee Break & Networking
16:00- 17:15
Estonian FIU Signature Session
“FinTech Without Borders? AML Risks, Regulatory Arbitrage and Supervision under the AMLA Era”
16:00 - 16:15
Keynote Presentation:
“Evolving Payments & FinTech Landscape and AML Challenges in the Baltics. ”
Matis MÄEKER, Head of Estonian Financial Intelligence Unit
16:15 - 17:15
Roundtable Discussion:
“From Growth to Governance: Managing Cross-Border Risks in Practice. ”
Proposed Panelists
Matis MÄEKER, Head of Estonian Financial Intelligence Unit
Uldis UPENIEKS, CAMS, Co-Chair, ACAMS Baltic Chapter, AFC industry Leader
Kaarel KUDDU, AML /KYC Product Director at Wise
Panel Moderator:
Kevin GERRETZ, Head of Financial Regulatory at Ellex in Estonia
17:15 -17:30
Conference Day Closing Remarks
17:30 -20:00
Evening Networking Reception
An evening gathering for speakers and participants to connect, exchange ideas and continue discussions in a more informal setting
Attendance: All speakers and participants are warmly invited to attend!
*The organisers reserve the right to make any necessary changes to the programme*
Day 2 Speakers
Agenda
DAY 2
FinCrime Focus: Fraud, Investigations, Technology & Enforcement
*The agenda is beeing updated
8:30 - 8:55
Morning Coffee and Networking
8:55 - 9:00
Opening Remarks by Morning Session Moderator
Siiri GRABBI, AML/ Sanctions leader - Head of Sanctions Committee of Estonian Banking
Association, Sanctions/CTF Officer at Coop Pank
Anu AHAS-SAARON, AML/FinCrime/Compliance leader - Former Head of AML Operations
at Wise, Ex-KPMG
Morning Session: Digital Resilience & ICT Risk I Fraud Prevention, Investigations I Technology & Enforcement
9:00 - 9:15
Conference Opening Address by the Estonian Government
Liisa-Ly PAKOSTA, Minister of Justice and Digital Affairs
9:15 - 9:45
EBA Keynote Presentation:
"ICT Risk, Innovation and Resilience in EU Finance: What’s New and What’s Next? "
Marilin PIKARO, Director of Innovation, Conduct and Consumers the European Banking Authority (EBA)
Focus:
Latest developments in financial sector innovation
ICT security and resilience challenges
Upcoming regulatory developments in payments
Fraud risks and due diligence expectations in the evolving landscape
9:45 - 11:00
Roundtable Discussion:
"Digital Resilience, ICT Risk and Fraud Prevention – From Regulation to Execution. "
Marilin PIKARO, Director of the European Banking Authority – EBA
Toomas VAKS, Risk Manager in Group Risk, Swedbank Group I Executive Cyber Risk & Resilience Leader
Åsa GRANBERG, Strategic Sales Sweden & Baltics at IDEMIA
Taavi VIILUKAS, Head of National Cyber Security, Ministry of Justice and Digital Affairs
Roundtable Moderator:
Jānis KAULIŅŠ, EY Baltics Partner, Financial Services Industry Leader – Baltics CFA, FCCA, CIA, CAMS-Audit, CISSP
Discussion Topics:
DORA implementation challenges across banks, PSPs and fintechs
ICT third-party concentration risk (cloud, outsourcing, critical providers)
AI governance, model risk and supervisory expectations
Cyber-enabled fraud and scam typologies in the instant payments era
Operational resilience testing and incident reporting requirements
Interaction between DORA, AML obligations and fraud prevention controls
Supervisory convergence across EU Member States
How financial institutions balance compliance cost, innovation and risk appetite
11:00 - 11:30
Coffee Break & Networking
11:30 - 13:00
Fraud Crackdown Session
"From EU Strategy to Street-Level Enforcement – Combating Fraud and Scams in the Digital/AI Era. "
11:30 - 12:00
EU Keynote Presentation:
"Europol’s Role in Fighting Fraud in the European Union."
Sebastian BLEY, Head of Team – Serious Fraud, European Financial and Economic Crime Centre (EFECC), Europol
Key Focus:
Key findings on online scams and organised fraud networks
Europol’s role and strategy in fighting organised financial and economic crime, including the The EU Anti-Fraud Architecture, Cooperation with national authorities and private sector
Case example on cross-border investigations including Asset-tracing
Impact on financial institutions and PSPs
12:00 - 13:00
Panel Discussion:
"National Strategies to Combat Fraud – From Intelligence to Execution. "
12:00 - 12:10
Panel Keynote:
"Building Estonia’s National Fraud Strategy – From Intelligence to Action. "
Jaagup TOOMPUU, Head of National Fraud Prevention and Investigation Unit, Central Criminal Police
Key Focus:
Building a national strategy to combat fraud
National FinCrime Action Plan
Mandate, structure and operational priorities of the new unit
Intelligence-led investigations and cross-border cooperation
Cooperation with banks, fintechs and international partners
12:10 - 13:00
Panel Discussion:
"National Strategies to Combat Fraud – From Intelligence to Execution. "
Tiit TAMMAI, Head of AML/Fraud Investigations at Swedbank Estonia
Jaagup TOOMPUU, Head of National Fraud Prevention and Investigation Unit – CCP
Sebastian BLEY, Head of Serious Fraud Team, EFECC, Europol
Moderator:
Sandra HORMA, Head of the Fraud Prevention Committee, Estonian Banking Association, LHV Bank
Discussion Topics:Bridging the gap between EU strategy and national execution
Bridging the gap between EU strategy and national execution
Fraud as organised crime & links to AML/sanctions
Intelligence-led investigations & cross-border cooperation
Public–private data sharing in practice
Legal challenges & enforcement speed
Role of technology & AI in fraud prevention
Key priorities for the next 2–3 years
13:00 - 14:00
Lunch Break & Networking
Afternoon Sessions: Financial Crime in the Crypto Era – Intelligence, Supervision and Enforcement
14:00 - 14:15
MoF Keynote Presentation:
"Stopping Fraud Before It Happens – National Policy, Prevention and Protection Measures. "
Evelyn LIIVAMÄGI, deputy secretary general at the Ministry of Finance
Financial and Tax Policy Leader
Key Topics:
National communication strategy: prevention and awareness campaigns against scams and fraud
State-level measures for financial fraud prevention
Legislative developments and policy direction:
- enabling banks to suspend suspicious transactions
- building a more proactive and preventive anti-fraud framework
14:15 - 15:15
14:15 - 14:45
Crypto & Virtual Assets Session
MONEYVAL Presentation
"Virtual Assets, Sanctions Evasion and Financial Crime – Insights from MONEYVAL’s Latest Report. "
David BAKER, Senior Expert, AML/CFT Supervision Division of Financial Services Authority, Isle of Man
Key Topics:
Global typologies of crypto-related financial crime
Sanctions evasion using virtual assets
Key findings across MONEYVAL jurisdictions
Emerging risks (DeFi, fraud, proliferation financing)
Gaps in supervision and enforcement
14:45 - 15:15
Chainalysis Intelligence, Supervision & Enforcement Keynote
"Chainalysis on Powering Intelligence, Law Enforcement, Regulation, Supervision and Taxation in the Age of AI Agents. "
Martin SCHWARZ, MBA, Head of Public Safety & Intelligence D/A/CH Chainalysis, Inc. and
Andy KRAMER, Government Advisor, Chainalysis, Inc., Ex State Law Enforcement
Topics:
The Math has stopped working
Data explosion and regulatory complexity
The agent economy is coming …
Matching AI capabilities with AI capabilities
The meaning of ground-truth in the machine age
15:15 - 15:45
Coffee Break & Networking
15:45 - 17:00
Crypto Crime Panel Discussion:
"Crypto Crime Under Control? Regulation, Intelligence and Enforcement Challenges. "
Salih ALTUNTAS, Director of Investigations fo Chainalysis, Inc., ex Federal Law Enforcement
David BAKER, Senior Expert, AML/CFT Supervision Division of Financial Services Authority, Isle of Man
Jani ULTAMO, Chief Compliance Officer, Coinmotion
Kiur Olaf SILD, Analysis and Intelligence group Lead, Asset Recovery Bureau, Estonian National Criminal Police
Panel Moderator:
Krista ŠEVEREV, Senior Associate at SORAINEN Estonia, Finance & Insurance team
Discussion Topics:
FATF Travel Rule – where are we today?
Law Enforcement & Cross-border asset tracing and recovery
Public–Private Cooperation (PPP)
- Role of analytics providers
- Cooperation between: regulators, banks, crypto firms
Detection & Investigation
- Blockchain analytics and de-anonymisation
- Identifying fraud networks and illicit flows
- Real-time monitoring
Emerging Threats
- DeFi risks
- Sanctions evasion via crypto
- Market abuse under MiCA
17:00 - 17:15
Conference Day Closing Remarks, and End of Conference
*The organisers reserve the right to make any necessary changes to the programme*
Registration form
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