Anneli Krunks

Professional highlights

Fintech and innovation. I am driven by innovation and disruptive strategies in the financial sector. I contribute to advancing financial innovation through regulatory initiatives and active collaboration within the industry community.

Large-scale licensing and supervisory proceedings. I have extensive experience in managing complex licensing and supervisory proceedings, guiding financial institutions through interactions with regulators from start to finish. I have over a decade of specialised experience in licensing credit institutions in Estonia, making me a leading expert in the market. However, my experience covers the whole spectrum of financial services, from banks, payment and e-money institutions to crypto-asset service providers. I ensure a structured and proactive approach that mitigates risks and facilitates efficient outcomes in high-stakes regulatory processes.

Bridging innovation and regulation. I combine deep regulatory expertise with a business‑oriented mindset, helping FinTech companies align innovative solutions with regulatory expectations. My focus is on enabling sustainable growth by translating complex legal requirements into clear, practical and commercially viable strategies that support long‑term development.

Building compliant operations. Drawing on my previous in‑house experience in the financial sector, I support companies in establishing and strengthening their compliance frameworks. I work closely with internal teams to embed regulatory requirements into day‑to‑day processes, helping organisations design operational set‑ups that are both robust and fit for purpose.