` Monika Koolmeister | COBALT

Monika Koolmeister

Partner / Estonia


Monika Koolmeister is a Partner of COBALT Estonia having a 15-year track record as a Banking & Finance attorney. Monika also has valuable experience from a leading commercial bank in Estonia, operating as Head of Compliance and member of the Extended Management Board. Monika has also been in charge of keeping good working relationships with the financial regulators – as Head of Compliance she has served as a contact person to the European Central Bank and the Estonian Financial Supervision Authority.

She has been a member of the Estonian Bar Association since 2004.


  • Chambers Europe, Banking & Finance, Ranked Lawyer – 2022 / 2023 / 2024
  • The Legal 500, Banking, Finance, and Capital Markets/Fintech, Next Generation Partner – 2023 /2024
  • The Legal 500, Banking, Finance, and Capital Markets, Rising Star – 2020 / 2021 / 2022


  • Estonian, English, German, Russian

Membership & education

  • Member of the Estonian Bar Association (2004)
  • Master of Laws (LL.M), with merit, London School of Economics & Political Science, United Kingdom (2008-2009)
  • Master of Laws (LL.M), magna cum laude, University of Freiburg (Albert-Ludwigs Universität Freiburg), Germany (2004-2005)
  • Bachelor of Arts in Law / officially equivalent to M.A., University of Tartu (Tartu Ülikool), Faculty of Law, Estonia (1999-2003)
  • Exchange student, University of Latvia (Latvijas Universtitate), Latvia (2002)
  • Distance course Legislative Drafting for Democratic Social Change, University of Boston (2001-2002)
  • Summer university, University of Bremen (Universität Bremen), Germany (2000)

We are driven by your recognition

"The collaboration with Monika is excellent: she is always readily available to provide her know-how, advice and solutions to the matters we have at hand. She is undoubtedly an expert in her field and brings value to any of the tasks we tackle.“
Chambers Fintech Guide 2024
"Monika has delivered us a team which is very well put together and covers all our needs. Her overview of the case and the professional manner in which she advises is insuperable."
Chambers Fintech Guide 2024
"Monika is very knowledgeable in the area of EU and Estonia laws for digital and crypto assets. She is not only an expert on legal questions, but also a very business oriented person who can understand how a start-up operates and the difficulties and challenges that it faces every day."
IFLR1000, 2023