Sorainen

Finance & Insurance, Fintech

Counsel

Anneli Krunks is a financial regulation and compliance expert with over ten years’ experience advising FinTech companies and financial institutions on regulatory matters. Anneli specialises in guiding companies through licensing and supervisory processes, combining legal precision with a business‑oriented approach to ensure innovation aligns with regulatory expectations.

𝗙𝗶𝗻𝘁𝗲𝗰𝗵 𝗮𝗻𝗱 𝗶𝗻𝗻𝗼𝘃𝗮𝘁𝗶𝗼𝗻. Anneli is driven by innovation and disruptive strategies in the financial sector. She contributes to advancing financial innovation through regulatory initiatives and active collaboration within the industry community.

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

𝗕𝗿𝗶𝗱𝗴𝗶𝗻𝗴 𝗶𝗻𝗻𝗼𝘃𝗮𝘁𝗶𝗼𝗻 𝗮𝗻𝗱 𝗿𝗲𝗴𝘂𝗹𝗮𝘁𝗶𝗼𝗻. Anneli combines deep regulatory expertise with a business‑oriented mindset, helping FinTech companies align innovative solutions with regulatory expectations. Her 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 previous in‑house experience in the financial sector, Anneli supports companies in establishing and strengthening their compliance frameworks. She works 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.

English, Estonian

Estonian Bar Association

Digital Euro Association

WomenTech Network

Frankfurt School of Finance & Management, Frankfurt School Blockchain Center, DeFi Talents Program

The University of Manchester (International Compliance Association „ICA Certificate in Compliance“)

The London School of Economics and Political Science (Summer School in International Financial Law and Regulation)

University of Tartu (MA in Law)

Erasmus Universiteit Rotterdam (exchange student)

University of Tartu (BA in Law)

University of Tartu (BA in Political Science)