Artjom Luik

Artjom Luik has more than 10 years of experience on regulatory issues relating to banking and finance. His practice also covers insurance law and securities market regulation.

Artjom has advised clients in the provision of investment services, including compliance with MiFID II. He also advises a wide range of financial sector participants, including funds and asset managers, payment and e-money institutions, lenders and credit intermediaries, as well as insurers and insurance intermediaries, assisting them in complying with complex regulatory requirements under both Estonian law and EU financial regulations.

He has significant experience advising and representing clients before financial supervisory authorities, particularly in complex licensing and registration matters.

In addition, he has extensive experience in AML/CFT compliance and in the application of international sanctions. He advises clients on the development of internal control systems, risk assessments, and internal policies, and represents them in interactions with supervisory authorities, including inspections.

Artjom is also actively involved in the legal assessment of cryptocurrency business models and works closely with fintech companies, advising them on regulatory matters and facilitating their relationships with traditional financial services providers.

As a Certified Adviser on Nasdaq Baltic First North, he helps companies access capital markets and comply with associated regulatory requirements.