About Me
I am an Operations Manager and Compliance Specialist at eBusiness Solutions OÜ with over 10 years of experience in financial services, operations management, AML/KYC, and corporate services.
My work lies at the intersection of regulatory requirements and daily business operations. I structure and manage onboarding, client verification, and monitoring processes, helping the company stay compliant with legal standards while keeping internal procedures straightforward and efficient.
I work daily with non-residents and e-Residents operating across various jurisdictions, helping them align their processes with the requirements of banks, payment institutions, regulators, and tax authorities.
Professional Experience & Core Competencies
Operations Manager & Compliance Specialist at eBusiness Solutions OÜ
Over 10 years of experience in financial services, operational management, and corporate administration
Hands-on experience in applying AML/KYC procedures, Customer Due Diligence (CDD), and ongoing client monitoring
Deep understanding of Estonian and EU AML/CFT legal frameworks
Practical track record of liaising with the Estonian Tax and Customs Board (EMTA), banks, and payment institutions regarding client onboarding, compliance, and reporting
Key Expertise & Areas of Work
AML/CFT Compliance, KYC, Customer Due Diligence (CDD), and ongoing monitoring
Corporate Client Onboarding with banks and Payment Institutions (EMIs), including handling complex and non-standard cases
VAT Compliance for cross-border e-commerce, including OSS and IOSS schemes
Operational Support for non-residents and e-Residents running businesses through Estonian companies
Practical Advice on tax residency, permanent establishment, and economic substance requirements
Corporate Operations & Governance: document management, workflow control, deadline tracking, and internal procedures
What I Write About
I write about the practical aspects of running a business—the details that aren’t always obvious at the registration stage. My publications are based on real regulatory requirements, official EMTA guidelines, AML/KYC rules, and the latest demands from banks and payment providers.
I focus heavily on real-world scenarios: rejections or requests for information during account opening, KYC friction, substance requirements, VAT/OSS/IOSS compliance, and other operational hurdles non-residents face in Estonia.
My goal is to translate complex legal requirements into clear, actionable insights so entrepreneurs can easily understand what applies directly to their business.
