No. RAB is a diagnostic service designed to identify compliance gaps. It is not legal advice and does not replace the counsel of a sworn advocate. Where gaps require legal remediation, sworn advocate Viljar Kähari provides direct advisory support.
The semi-automated system provides an initial assessment immediately upon submission. A full structured compliance report is typically delivered within 24 to 48 hours, depending on document volume.
The cost depends on the scope of areas to be audited and the size of the entity. Please contact us for a specific quotation.
Yes. All information you provide is confidential and covered by legal professional privilege. The service is provided solely by sworn advocate Viljar Kähari.
Scope of the audit
The audit covers AML/CFT procedures, KYC/KYB requirements, money laundering risk assessment, internal audit requirements, MiCA compliance, and internal policies and procedures under FSA and FIU guidelines.
Yes. The audit can be scoped to a specific area such as AML procedures, KYC controls or risk assessment documentation. This approach is commonly used by entities that have received a deficiency letter from a regulator targeting a specific area.
The RAB audit is an internal diagnostic tool, not an official supervisory document. It helps you prepare for FSA and FIU supervision and identifies which areas need to be addressed before engaging with the regulator.
Authorisation and licensing
Yes. The RAB audit is particularly valuable before submitting an authorisation application to the FSA or FIU. It identifies gaps early, significantly reducing the risk of a deficiency letter and accelerating the process.
Licence mapping is a separate advisory service provided by sworn advocate Viljar Kähari. It covers an assessment of your business model against the regulated activities supervised by the FSA. Contact us for an initial consultation.
Yes. RAB is useful for both Estonian-registered entities and foreign companies seeking authorisation in Estonia or ensuring compliance under EU cross-border financial services rules.
Gaps and remediation
Each identified gap comes with a concrete remediation recommendation. Where legal intervention is required, sworn advocate Viljar Kähari provides direct advisory support. The objective is that you leave the audit knowing exactly what to do and in what order.
No. RAB does not provide internal audit services. For internal audit purposes we recommend engaging specialist partners who meet FSA and FIU requirements. Specific recommendations are available from sworn advocate Viljar Kähari during advisory.
Did not find your answer?
Contact sworn advocate Viljar Kähari directly. We typically respond within the same business day.