{"id":6031,"date":"2025-02-06T05:50:21","date_gmt":"2025-02-06T05:50:21","guid":{"rendered":"https:\/\/banxa.com\/aml-policy\/"},"modified":"2026-04-23T20:05:22","modified_gmt":"2026-04-23T20:05:22","slug":"aml-policy","status":"publish","type":"page","link":"https:\/\/banxa.com\/sv\/aml-policy\/","title":{"rendered":"AML-policy"},"content":{"rendered":"\n<p>Policyn mot penningtv\u00e4tt och finansiering av terrorism (\u201dAML\/CTF-policy\u201d) fastst\u00e4ller de processer och kontroller som hj\u00e4lper oss att f\u00f6rebygga, identifiera, hantera och minska risker f\u00f6r att vi \u00e4r inblandade i n\u00e5gon form av olaglig verksamhet, s\u00e4rskilt penningtv\u00e4tt.<\/p>\n\n<p>Penningtv\u00e4tt \u00e4r processen att d\u00f6lja eller maskera k\u00e4llan till olagligt erh\u00e5llna (smutsiga) medel f\u00f6r att f\u00e5 dem att framst\u00e5 som legitima (rena), till exempel genom att filtrera pengarna genom det finansiella systemet. D\u00e4rf\u00f6r \u00e4r f\u00f6retag som erbjuder finansiella tj\u00e4nster, som v\u00e5rt, specifikt m\u00e5ltavlor f\u00f6r kriminella.<\/p>\n\n<p>Som svar p\u00e5 omfattningen och effekterna av penningtv\u00e4tt har lokala och internationella lagar, inklusive Europeiska unionens direktiv, utformats f\u00f6r att bek\u00e4mpa penningtv\u00e4tt och terrorismfinansiering.<\/p>\n\n<p>V\u00e5r AML\/CTF-policy t\u00e4cker f\u00f6ljande:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Kundidentifiering och verifieringsf\u00f6rfaranden <\/strong>\u2013 vi har adekvata kontroller och f\u00f6rfaranden f\u00f6r att s\u00e4kerst\u00e4lla att vi vet med vem vi bedriver aff\u00e4rer, vanligtvis kallat <strong>Know Your Customer (KYC)<\/strong>, inklusive <strong>f\u00f6rst\u00e4rkt kundkontroll (EDD)<\/strong> f\u00f6r kunder som bed\u00f6ms ha h\u00f6gre risk, till exempel <strong>politiskt exponerade personer (PEP:er)<\/strong>.<\/li>\n\n\n\n<li><strong>Kortverifiering<\/strong> \u2013 f\u00f6r kunder som anv\u00e4nder betalkort har vi kortverifieringsf\u00f6rfaranden, till exempel Payment Instrument Verification (PIV) eller 3D Secure-autentisering.<\/li>\n\n\n\n<li><strong>Transaktions\u00f6vervakning och l\u00f6pande \u00f6vervakning<\/strong> \u2013 vi analyserar data och transaktionsm\u00f6nster som ett verktyg f\u00f6r riskbed\u00f6mning och misst\u00e4nktdetektering.<\/li>\n\n\n\n<li><strong>Rapporteringsansvarig f\u00f6r penningtv\u00e4tt (MLRO) \u2013<\/strong> vi har utsett en MLRO med tillr\u00e4cklig senioritetsniv\u00e5, som har ansvar f\u00f6r tillsyn av efterlevnad av relevanta lagar, f\u00f6rordningar, regler och branschriktlinjer.<\/li>\n\n\n\n<li><strong>Riskbed\u00f6mning och riskhantering<\/strong> \u2013 vi har antagit ett riskbaserat f\u00f6rh\u00e5llningss\u00e4tt f\u00f6r att bek\u00e4mpa penningtv\u00e4tt och terrorismfinansiering. Vi uppn\u00e5r detta genom att noggrant m\u00e4ta v\u00e5r riskprofil, balansera den mot behovet av att optimera finansiella tillv\u00e4xtm\u00f6jligheter och implementera processer och kontroller som st\u00e5r i proportion till identifierade risker. Detta g\u00f6r att vi kan allokera resurser p\u00e5 de mest effektiva s\u00e4tten.<\/li>\n\n\n\n<li><strong>Dokumentation<\/strong> \u2013 vi uppr\u00e4tth\u00e5ller och bevarar l\u00e4mpliga register under lagstadgade perioder;<\/li>\n\n\n\n<li><strong>Misst\u00e4nkt rapportering<\/strong> \u2013 vi rapporterar misst\u00e4nkt aktivitet till relevanta brottsbek\u00e4mpande myndigheter i alla jurisdiktioner d\u00e4r vi \u00e4r verksamma;<\/li>\n\n\n\n<li><strong>Sanktionspolicy<\/strong> \u2013 vi kontrollerar mot F\u00f6renta nationernas, Europeiska unionens, brittiska finansdepartementets och amerikanska Office of Foreign Assets Control (OFAC) sanktionslistor i alla jurisdiktioner d\u00e4r vi \u00e4r verksamma;<\/li>\n\n\n\n<li><strong>Medarbetarkontroll och riskmedvetenhetsutbildning<\/strong> \u2013 vi kontrollerar alla anst\u00e4llda och genomf\u00f6r ytterligare bakgrundskontroller av betrodda medarbetare. Vi erbjuder utbildning f\u00f6r alla relevanta anst\u00e4llda l\u00f6pande.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Policyn mot penningtv\u00e4tt och finansiering av terrorism (\u201dAML\/CTF-policy\u201d) fastst\u00e4ller de processer och kontroller som hj\u00e4lper oss att f\u00f6rebygga, identifiera, hantera och minska risker f\u00f6r att vi \u00e4r inblandade i n\u00e5gon form av olaglig verksamhet, s\u00e4rskilt penningtv\u00e4tt. Penningtv\u00e4tt \u00e4r processen att d\u00f6lja eller maskera k\u00e4llan till olagligt erh\u00e5llna (smutsiga) medel f\u00f6r att f\u00e5 dem att framst\u00e5 [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-6031","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>AML-policy \u2013 Regelefterlevnad mot penningtv\u00e4tt | Banxa<\/title>\n<meta name=\"description\" content=\"L\u00e4s Banxas policy mot penningtv\u00e4tt (AML). 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