Rait Kaarma

Attorney at law

Partner in Estonia

Practice areas

  • FinTech, Licensing, Banking and Compliance
  • AML/KYC and Regulatory Compliance
  • Corporate, Commercial Law and M&A
  • Cross-Border Tax and Structuring
  • Dispute Resolution and Arbitration
  • Intellectual Property, IT, Art and Multimedia Law
  • Fundamental Rights and Administrative Law
  • Sports Law
Curriculum Vitae

Rait Kaarma is a partner and attorney at law at ProventusLaw Advokaadibüroo OÜ with more than 20 years of experience advising multinational corporations, listed companies, and fintech startups on cross-border corporate, tax, and regulatory matters. He has extensive experience in compliance, AML/KYC, legal innovation, and complex international projects.

He advises clients on corporate, commercial, tax, and regulatory matters, with a particular focus on fintech, M&A, compliance, dispute resolution, and arbitration. He has also acted as lead counsel to a leading crowdfunding company, providing on-site support during its early growth phase and helping to establish legal and compliance frameworks, including AML/KYC solutions.

Rait also advises on intellectual property and IT law, including multimedia law, and is a specialist in sports law. His professional background combines traditional legal advisory work with practical experience in LegalTech, RegTech, SaaS-based legal solutions, and knowledge management.

He is a member of the Estonian Bar Association, the International Fiscal Association, and the Fundamental Rights Committee of the Estonian Bar Association. He has also lectured at the University of Tartu on legal aspects of businesses based on intellectual property.

Membership:

  • since 2006 Estonian Bar Association
  • since 2008 NGO International Fiscal Association Estonia
  • since 2013 Member of the Committee of civil rights protection of Estonian Bar Association
  • International Bureau of Fiscal Documentation (IBFD) (Estonian VAT rapporteur)
Education

2003

Tartu University, Faculty of Law, BA

2005

Tallinn University, Faculty of Social Sciences (Strategic Management), MA

Awards and Recognitions

Knowledge without experience is of little use. Therefore we are proud of having our own valuable experience to share with you.

The Legal 500 Top Tier Rankings

The Legal 500 ranks Fintech team of ECOVIS ProventusLaw as a Top Tier Law Firm in the Fintech practice area. The law company is also ranked in Banking, Finance and Capital Markets, Fintech, TMT, Tax, Dispute Resolution, Employment, Real Estate and Construction (2019–2026).

Chambers & Partners rankings - Fintech, Leading firm in Europe, Banking & Finance, Employment

Chambers & Partners consistently ranks ECOVIS ProventusLaw as a top FinTech legal practice and a leading firm in Europe, as well as in Banking & Finance and Employment.

Official IFLR 1000 ranking

IFLR1000 has been recognizing ECOVIS ProventusLaw as a Notable Firm in Banking and Finance and ranking it in Financial Services Regulatory and M&A for 8 consecutive years.

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