Tallinn · working across the EU
Independent financial crime(1) & compliance consultant for fintechs, banks & other regulated firms.
Approach
I find where controls aren’t doing what they were designed to do, and design the fixes across compliance, product and engineering. The result: processes people can actually follow, and compliance that is efficient, reliable and regulator-ready.
- 5+ yrs at Wise
- AML/CFT, fraud and KYC for the EU entity
- 1st + 2nd line
- Operations and oversight, both sides of the control
- Product-minded
- Fixes delivered with product and engineering, not just written up
- Industry-trained
- ACAMS certificates in financial crime risk assessment, CFT and AML for fintech
What I do
Select a service for detailsRemediation, from finding to closure.
Regulator findings, audit points or a backlog that’s got away from you: I plan it, run it and evidence it, across operations and oversight.
Operations
Hands-on capacity when volumes or backlogs outgrow the team.
Periodic and trigger-based reviews, EDD refreshes and remediation of legacy customer files, including high-risk customers and PEPs.
Live alert and case investigations, backlog clearance and transaction monitoring lookbacks, with evidenced decisions and root-cause fixes to rules and tuning so backlogs don’t return.
Clear, well-evidenced suspicious activity reports, written to the standard your FIU expects, with review and sign-off under authority delegated by your MLRO.
QA across reviews, investigations and SARs, with structured feedback that lifts the whole team.
Oversight
Second-line work that stands up to a regulator.
Turn findings into a plan with owners and milestones, then run delivery and assemble the closure evidence.
Business-wide and customer risk assessments, built to what regulators expect and usable by the teams that run them.
Map policy to controls to evidence, and find where processes and automated flows aren’t doing what they were designed to do.
Decision standards, escalation paths and QA frameworks that keep suspicious activity reporting timely and consistent.
Board-ready policies, turned into procedures people can actually follow.
Applies in — days · --:--:--
Gap analysis against the EU AML Regulation and a practical roadmap to be ready before it applies on 10 July 2027.
Product Compliance
Financial crime controls built into products, not bolted on.
Bring financial crime requirements into product discovery, so launches don’t stall at compliance review.
Map money laundering, terrorist financing, fraud and sanctions-evasion typologies onto your products and payment flows, and onto the controls that should catch them.
Rules, workflows and tooling built with product and engineering, with AI doing the heavy lifting where it makes sense and people keeping the decisions.
How pricing works
No hourly rates. No surprises.
One fixed price, agreed upfront, that you can budget, approve and plan around.
How an engagement works
From first call to handover.
Intro call
30 minutes, free. We talk through the problem, the context and what good looks like.
One-page proposal
Within 2 working days: scope, deliverables, fixed price and timeline, on one page. A number you can take straight to budget approval.
Delivery
Weekly check-ins, so you always know where things stand.
Handover
Documentation and walkthroughs your team can run with once the engagement ends.