Regulatory Audit Bureau

Do your company's internal documents
hold up to scrutiny?

Procedure review · Quick tests · Remediation guidance

We identify quickly whether your AML, KYC and risk procedures comply with the requirements of the Financial Supervision Authority, the Financial Intelligence Unit and internal audit standards. The result is a structured compliance report with concrete remediation recommendations.

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FSA GUIDELINES FIU GUIDELINES MiCA AML / CFT

Top 10 priority gaps

Instant automated check

100% confidential

Target group

Who is RAB for?

Credit institutions Cooperative banks Payment institutions E-money institutions Crypto-asset service providers Credit creditors and intermediaries Investment firms Fund managers Insurance undertakings Insurance intermediaries Financial holding companies

RAB is designed for any financial sector entity licensed or seeking a licence in Estonia that wants to identify compliance gaps before FSA or FIU supervision. The service is particularly valuable for entities preparing for MiCA authorisation or responding to deficiency letters from the FSA or FIU.

Service provided by KÄHARI Advokaadibüroo OÜ.

What you get

Areas that often go unnoticed

RAB surfaces concrete compliance gaps that routine self-assessment typically fails to identify.

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Top 10 priority gaps

Not a general assessment. A specific list of what does not meet requirements, ranked by priority.

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Critical vs non-critical

You know what to address immediately and what can wait. No wasted effort on the wrong issues.

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Concrete remediation steps

Each gap comes with a recommendation specific enough to act on immediately.

Procedure review

We assess whether your AML, KYC and risk management procedures meet actual supervisory expectations. The result is a specific list of gaps with priority rankings and remediation guidance, based on FSA and FIU practice.

Test your knowledge

Standardised assessment logic built on FSA and FIU guidelines. Provides an immediate picture of your actual compliance status in selected areas. Results are structured and usable in regulatory correspondence.

Remediation guidance

Identified gaps come with immediate concrete recommendations. Where legal intervention is required, sworn advocate Viljar Kähari provides direct advisory support to remediate procedures and respond to regulators.

How it works

Four steps

Engagement

Audit

The semi-automated system analyses your documents and responses.

Report

You receive a structured compliance report with recommendations.

Advisory

Where needed, you are referred directly to KÄHARI sworn advocate.

Frequently asked questions

Your questions answered View all questions

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.

Yes. All information you provide is confidential and covered by legal professional privilege. The service is provided solely by sworn advocate Viljar Kähari.

Yes. The RAB audit is particularly useful 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.

Documents

Submit documents for review

Send your internal procedures, policies and other documents by email. Sworn advocate Viljar Kähari will analyse them and deliver a structured compliance report.

What to include

■AML / CFT policies and procedures

■KYC / KYB procedures

■Money laundering risk assessment

■Sanctions screening procedures

■Internal audit and control framework

■Other compliance documentation

Accepted formats: PDF, Word (.docx), Excel (.xlsx)

Send documents by email

Adviser

Viljar Kähari

Sworn Advocate · KÄHARI Advokaadibüroo OÜ

Viljar Kähari is a sworn advocate specialising in banking, financial services and blockchain technology law since 1999. He advises financial sector entities on cross-border EU/EEA regulatory matters, authorisation, MiCA compliance, corporate governance and risk management for fintech and crypto-asset businesses. RAB is a semi-automated solution created on his initiative and provided by KÄHARI Advokaadibüroo OÜ.

Do your company's internal documentshold up to scrutiny?