Received: from GVUPR02MB11757.eurprd02.prod.outlook.com (2603:10a6:150:32d::23) by AS8PR02MB7061.eurprd02.prod.outlook.com (2603:10a6:20b:2e9::13) with Microsoft SMTP Server (version=TLS1_2, cipher=TLS_ECDHE_RSA_WITH_AES_256_GCM_SHA384) id 15.20.9587.13; Wed, 4 Feb 2026 12:42:01 +0000 Received: from GVUPR02MB11757.eurprd02.prod.outlook.com ([fe80::db63:a8a2:3953:40bd]) by GVUPR02MB11757.eurprd02.prod.outlook.com ([fe80::db63:a8a2:3953:40bd%3]) with mapi id 15.20.9587.010; Wed, 4 Feb 2026 12:42:01 +0000 From: "rahapesu - RAB" To: References: <002b01dc9042$eeaba5a0$cc02f0e0$@crowe.ee> In-Reply-To: <002b01dc9042$eeaba5a0$cc02f0e0$@crowe.ee> Subject: =?windows-1257?Q?RE:_Rahapesu_Andmeb=FCroo:_p=E4ring_kogutava_informatsio?= =?windows-1257?Q?oni_n=F5uete_kohta?= Date: Wed, 4 Feb 2026 14:42:01 +0200 Message-ID: MIME-Version: 1.0 Content-Type: multipart/related; boundary="----=_NextPart_000_000A_01DC95E5.BAB7CF50" X-Mailer: Microsoft Outlook 16.0 Thread-Index: AQEWqcbVLL+4o+eaQH6/HwZa2QZlTwE2f9gI Authentication-Results: dkim=none (message not signed) header.d=none;dmarc=none action=none header.from=fiu.ee; X-MS-Exchange-Organization-ExpirationStartTime: 04 Feb 2026 12:42:01.8717 (UTC) X-MS-Exchange-Organization-ExpirationStartTimeReason: OriginalSubmit X-MS-Exchange-Organization-ExpirationInterval: 1:00:00:00.0000000 X-MS-Exchange-Organization-ExpirationIntervalReason: OriginalSubmit X-MS-Exchange-Organization-Network-Message-Id: 7502f0a0-3fe4-4098-f87e-08de63eacb33 X-MS-Exchange-Organization-MessageDirectionality: Originating X-MS-PublicTrafficType: Email X-MS-TrafficTypeDiagnostic: GVUPR02MB11757:EE_|AS8PR02MB7061:EE_ X-MS-Exchange-Organization-AuthSource: GVUPR02MB11757.eurprd02.prod.outlook.com X-MS-Exchange-Organization-AuthAs: Internal X-MS-Office365-Filtering-Correlation-Id: 7502f0a0-3fe4-4098-f87e-08de63eacb33 X-MS-Exchange-Organization-SCL: -1 Content-Language: et x-ms-exchange-organization-originalserveripaddress: 2603:10a6:150:32d::23 x-ms-exchange-organization-originalclientipaddress: 45.156.32.40 X-OlkEid: 000000003A45FED875A4B142B644AF75D7CDB0A7070034AD76187591974DBF6C4F76951C873A01000300000000009380E80958475445BAF7FE40C1FEDF12000000000E2900006B87C0769AD3174D83F3CB3206F013B6 X-MS-Has-Attach: yes X-MS-TNEF-Correlator: x-ms-exchange-messagesentrepresentingtype: 1 msip_labels: MSIP_Label_defa4170-0d19-0005-0004-bc88714345d2_ActionId=82af7999-e78f-485f-8324-8e9cc24c29f1;MSIP_Label_defa4170-0d19-0005-0004-bc88714345d2_ContentBits=0;MSIP_Label_defa4170-0d19-0005-0004-bc88714345d2_Enabled=true;MSIP_Label_defa4170-0d19-0005-0004-bc88714345d2_Method=Standard;MSIP_Label_defa4170-0d19-0005-0004-bc88714345d2_Name=defa4170-0d19-0005-0004-bc88714345d2;MSIP_Label_defa4170-0d19-0005-0004-bc88714345d2_SetDate=2026-02-04T12:37:34Z;MSIP_Label_defa4170-0d19-0005-0004-bc88714345d2_SiteId=8fe098d2-428d-4bd4-9803-7195fe96f0e2;MSIP_Label_defa4170-0d19-0005-0004-bc88714345d2_Tag=10, 3, 0, 1; acceptlanguage: et-EE, en-US X-MS-Exchange-Organization-AuthMechanism: 04 This is a multipart message in MIME format. ------=_NextPart_000_000A_01DC95E5.BAB7CF50 Content-Type: multipart/alternative; boundary="----=_NextPart_001_000B_01DC95E5.BAB7CF50" ------=_NextPart_001_000B_01DC95E5.BAB7CF50 Content-Type: text/plain; charset="windows-1257" Content-Transfer-Encoding: 8bit Tere Antud olukorras saab pidada ID-kaardiga või Smart-ID kaudu sisselogimist ning pangaülekandega tuvastamist piisavaks. Teiste teenusepakkujate praktikate kohta ei ole meil võimalik informatsiooni jagada. Samas ei ole välistatud, et kahtluse või ebatavaliste asjaolude korral peab teenusepakkuja tuvastama kliendi ka originaaldokumendi järgi ja koguma kliendi kohta täiendavat informatsiooni. Lugupidamisega Rahapesu Andmebüroo | Estonian Financial Intelligence Unit Tel +372 696 0500 | Pronksi 12, Tallinn | www.fiu.ee From: anton.mullo@crowe.ee Sent: Wednesday, January 28, 2026 12:43 PM To: rahapesu - RAB Cc: vadim donchevski Subject: Rahapesu Andmebüroo: päring kogutava informatsiooni nõuete kohta Importance: High Tähelepanu! Tegemist on välisvõrgust saabunud kirjaga. Tundmatu saatja korral palume linke ja faile mitte avada. Tere, Soovin täpsustada järgmist punkti: vastavalt RahaPTS §-le 21 on kirjas, et kui vastutav isik ei saa küsida kliendilt originaaldokumenti, võib kasutada e-identimise ja e-tehingute usaldusteenuste vahendeid, kasutades andmete kontrollimiseks vähemalt kahte erinevat allikat (allpool detailsem sõnastus). Küsimus on selles, kas online-kasiino puhul võib kaheks erinevaks allikaks pidada järgmist: ID-kaardi või Smart-ID kaudu sisselogimist (ja sellega isiku tuvastamist) ning pangaülekannet, mille puhul kontrollitakse, kas pangakonto omanik vastab kliendi nimele. Kas see vastab ka hetkel levinud praktikale Eestis? (4) Kui käesoleva paragrahvi lõikes 3 nimetatud originaaldokumenti ei ole võimalik näha, võib kasutada isikusamasuse kontrollimiseks notariaalselt tõestatud või notariaalselt või ametlikult kinnitatud lõikes 3 nimetatud dokumenti või muud usaldusväärsest ja sõltumatust allikast pärit teavet, sealhulgas e-identimise ja e-tehingute usaldusteenuste vahendeid, kasutades sel juhul andmete kontrollimiseks vähemalt kahte erinevat allikat. Lugupidamisega/ Best regards, Anton Mullo Sworn auditor/Vandeaudiitor Crowe DNW Ltd Jõe 2a, Tallinn, 10151 Estonia Mobile : +372 53 57 22 72 Office phone: +372 68 25 750 anton.mullo@crowe.ee www.crowe.com/ee Crowe DNW Ltd is a member of Crowe Global, a Swiss verein. Each member firm of Crowe Global is a separate and independent legal entity. Crowe DNW Ltd and its affiliates are not responsible or liable for any acts or omissions of Crowe Global or any other member of Crowe Global. Crowe Global does not render any professional services and does not have an ownership or partnership interest in Crowe DNW Ltd © 2025 Crowe DNW Ltd ------=_NextPart_001_000B_01DC95E5.BAB7CF50 Content-Type: text/html; charset="windows-1257" Content-Transfer-Encoding: quoted-printable

Tere

 

Antud olukorras saab pidada = ID-kaardiga v=F5i Smart-ID kaudu sisselogimist ning panga=FClekandega = tuvastamist piisavaks. Teiste teenusepakkujate praktikate kohta ei ole = meil v=F5imalik informatsiooni jagada. Samas ei ole v=E4listatud, et = kahtluse v=F5i ebatavaliste asjaolude korral peab teenusepakkuja = tuvastama kliendi ka originaaldokumendi j=E4rgi ja koguma kliendi kohta = t=E4iendavat informatsiooni.

 

Lugupidamisega

 

<= table class=3DMsoNormalTable border=3D0 cellpadding=3D0 = style=3D'background:white'>

Raha= pesu Andmeb=FCroo | = Estonian Financial Intelligence Unit
Tel = +372 696 0500 | Pronksi 12, Tallinn | www.fiu.ee

&nb= sp;

&nb= sp;

From: anton.mullo@crowe.ee <anton.mullo@crowe.ee> =
Sent: Wednesday, January 28, 2026 12:43 PM
To: = rahapesu - RAB <info@fiu.ee>
Cc: vadim donchevski = <vadim.donchevski@crowednw.com>
Subject: Rahapesu = Andmeb=FCroo: p=E4ring kogutava informatsiooni n=F5uete = kohta
Importance: High

 

T=E4helepanu! Tegemist on v=E4lisv=F5rgust saabunud = kirjaga.
Tundmatu saatja korral palume linke ja faile mitte = avada.

Tere,

 

Soovin t=E4psustada j=E4rgmist = punkti: vastavalt RahaPTS =A7-le 21 on kirjas, et kui vastutav isik ei = saa k=FCsida kliendilt originaaldokumenti, v=F5ib kasutada e-identimise = ja e-tehingute usaldusteenuste vahendeid, kasutades andmete = kontrollimiseks v=E4hemalt kahte erinevat allikat (allpool detailsem = s=F5nastus).

K=FCsimus on selles, kas online-kasiino puhul v=F5ib kaheks = erinevaks allikaks pidada j=E4rgmist: ID-kaardi v=F5i Smart-ID kaudu = sisselogimist (ja sellega isiku tuvastamist) ning panga=FClekannet, = mille puhul kontrollitakse, kas pangakonto omanik vastab kliendi nimele. = Kas see vastab ka hetkel levinud praktikale = Eestis?

 

(4) Kui k=E4esoleva paragrahvi = l=F5ikes 3 nimetatud originaaldokumenti ei ole v=F5imalik n=E4ha, v=F5ib = kasutada isikusamasuse kontrollimiseks notariaalselt t=F5estatud v=F5i = notariaalselt v=F5i ametlikult kinnitatud l=F5ikes 3 nimetatud = dokumenti v=F5i muud usaldusv=E4=E4rsest ja s=F5ltumatust allikast = p=E4rit teavet, sealhulgas e-identimise ja e-tehingute usaldusteenuste = vahendeid, kasutades sel juhul andmete kontrollimiseks v=E4hemalt kahte = erinevat allikat.

 

Lugupidamisega/ = Best regards,

 =

Anton Mullo

Sworn auditor/Vandeaudiitor

 

Crowe DNW Ltd

J=F5e 2a, Tallinn, 10151 Estonia

 

Mobile : +372 53 57 22 72

 

Office phone: +372 68 25 750

 

anton.mullo@crowe.ee

www.crowe.com/ee =

 

Crowe DNW Ltd is a member of Crowe Global, a Swiss = verein. Each member firm of Crowe Global is a separate and independent = legal entity. Crowe DNW Ltd  and its affiliates are not responsible = or liable for any acts or omissions of Crowe Global or any other member = of Crowe Global. Crowe Global does not render any professional services = and does not have an ownership or partnership interest in Crowe DNW Ltd =  =A9 2025 Crowe DNW Ltd

 

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