Joana Baublytė-Kulvietė at the Baltic Fintech Days 2026

How to balance AML, sanctions and fraud prevention requirements with the realities of running a business? At Baltic Fintech Days 2026, Joana Baublytė-Kulvietė, Partner at WALLESS, joined Alexandre Pinot, Co-founder, Head of Innovation and Strategy at AMLYZE, for a fireside chat to answer this question. 

The conversation cuts to the heart of a shared challenge – the gap between what regulation says on paper and what supervisors expect in practice. Risk-based approach and proportionality sound straightforward in theory. Knowing how much flexibility you genuinely have is another matter. 

The takeaway? Compliance can no longer be reactive. Engage supervisors early, document your reasoning clearly, and treat it as part of your business logic, not a separate exercise that kicks in before an inspection.