Jeff’s Working Theory

Most business advice is either too abstract or too tactical.

I write the frameworks in between—mental models that help you see patterns:

I was the first analyst at Wise. Helped it to scale from 70 to 1500+ people. Co-founded Salv (AML SaaS). Now bootstrapping solo.

Before startups: telecom analyst, bank risk analyst, anti-fraud at Skype. Canadian. Based in Estonia for 16 years.

These aren’t theories. They’re patterns from actually doing it.

Personal growth

$10/hr or $10,000?

Stop optimizing your to-do list. Start optimizing your hourly worth. A simple framework to 10x your value at work and in life.

December 19, 2021 · 5 min · 924 words

Pushing Yourself To Take Big Risks

Play it safe and you’ve already lost. This is the story of a radical decision that could have gotten me fired, but ended up defining a key part of a billion-dollar company’s culture.

December 19, 2021 · 5 min · 884 words

How To Land Your Dream Job

Stop sending resumes. Start having coffee. An unconventional guide to landing a job you’re not qualified for.

December 25, 2022 · 16 min · 3370 words

The Most Important 0.13% Of My Month

Stop wondering where your time went. Spend one hour a month on this simple practice and it will force you to live a life you’re proud of.

January 4, 2023 · 8 min · 1685 words

Building a great organisation

An Introduction To Self Leadership

Forget empowerment. This is about real power. An introduction to the self-leadership principles that fueled Wise’s success.

November 26, 2015 · 3 min · 508 words

Prophets And Professionals

Are you a visionary Prophet or a pragmatic Professional? The mix in your team determines whether you scale or fail.

December 22, 2021 · 9 min · 1819 words

Autonomous Teams At Scale

Everyone talks about autonomy, but few survive it. We scaled to 1,000 people by giving employees terrifying levels of responsibility.

December 24, 2021 · 10 min · 2092 words
Scooters are fun. But…

Scooters are fun. But…

On why you should choose a company with a mission where you're convinced you're making the world a better place. And on how we work at Salv.

11 min read

The Definitive Guide To Cross Team Guilds

How a small group of part-time volunteers can solve your company’s biggest problems. A practical guide to building and running cross-team guilds.

February 20, 2018 · 16 min · 3210 words
Why we don’t have a BI team at TransferWise

Why we don’t have a BI team at TransferWise

How I set up the analytics team at Wise (circa 2015), and how it helped Wise scale faster.

6 min read
So you think you’re data driven

So you think you’re data driven

Every team has data but many either don’t know how to use it or misuse it for planning and setting KPIs/targets/OKRs. This guide can help. Circa 2017.

7 min read

Investing

Investing Like Its 1939

You think we’re in a 2020s economy? You’re wrong. We’re investing like it’s 1939, and your portfolio is not ready.

December 29, 2022 · 11 min · 2145 words

Beyond The Beach Seychelles In The Era Of Global Sovereignty

Seychelles is more than a paradise; it’s a blueprint for the future of nations. How a tiny island could become 15x wealthier in 15 years.

July 15, 2023 · 10 min · 2047 words

Playing with AI

The Art of AI T-Shirts

From AI prompt to custom apparel. A step-by-step guide to designing and printing your own unique T-shirts for less than €20.

November 23, 2023 · 7 min · 1375 words

Startup ideas

VC Backed Careers

The most talented people are often the most overlooked. This is a plan to find them, fund them, and unleash their potential on the world.

December 1, 2020 · 7 min · 1449 words

YSAC - You Suck At Coding

Everyone sucks at coding at first. The secret to getting good isn’t practice — it’s learning how to fail faster.

December 21, 2020 · 7 min · 1280 words

Compensation

A Tech Alternative To Commission Sales

Your sales team is either full of cutthroat sharks or lazy slackers. This app forces them to be collaborative superstars.

December 24, 2021 · 5 min · 994 words

Learning / teaching / improving education

Lean Into Learning

School’s out. Real learning is in. An idea to turn restless kids and restless experts into a powerful learning community.

December 19, 2021 · 3 min · 438 words

Teachers Of Tomorrow's Leaders

Your straight-A student is unemployable. The skills that matter aren’t on the test. A proposal to bridge the dangerous gap between education and the real world.

December 18, 2021 · 6 min · 1188 words

Anti-money laundering (AML) & Financial Crime

Why we couldn’t ignore AML

Why we couldn’t ignore AML

Why, of all the problems in the world, we at Salv decided to focus on AML. And why it’s such an interesting problem to work on.

6 min read
Criminals are fast. Your AML must be faster

Criminals are fast. Your AML must be faster

why speed and fast feedback loops are the critical missing ingredients that are missing in most AML teams.

5 min read
Can Machine Learning save AML?

Can Machine Learning save AML?

About the challenges of applying machine learning techniques in the real world. [Shorter version](https://salv.com/questions-to-assess-aml-machine-learning/)

16 min read