AML Conference Estonia

🚨💥 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 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 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!

🚀 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