AML

AML regulations are extensive and constantly changing, requiring structured compliance and proper application. We offer specialised legal advice within AML, including KYC, risk analysis and contacts with authorities.

Complying with the anti-money laundering legislation is a challenge and a prerequisite for many businesses – from banks and financial institutions to real estate agents, art and valuables dealers, gaming companies and trading companies. The regulations are extensive, changing and place high demands on areas such as customer knowledge (KYC), risk analysis and reporting.

Delphi’s AML team offers legal advice with both width and depth – we are not only legal specialists but also have experience from senior decision-making positions within banking and from the SFSA (Finansinspektionen). We help companies and organisations build and implement effective AML and compliance structures, handle regulatory matters and resolve disputes. Our experience from the banking sector has given us unique insight into the legal and commercial challenges that arise when regulatory requirements interact with financial business. We have successfully represented banks in disputes related to AML measures and continuously assist various financial companies in complex regulatory matters.

Examples of services within AML and money laundering

Regulatory compliance and risk management

• Implementation and development of AML compliance programs
• Risk assessments and gap analyses
• Know Your Customer (KYC)
• Procedures for monitoring and reporting

Contact with authorities

• Contact and dialogue with the Swedish Financial Supervisory Authority (Finansinspektionen) and the County Administrative Board (Länsstyrelsen)
• Licensing and registration processes
• Handling of supervisory matters and investigations

Legal advice

• Application of the Anti-Money Laundering Act and AML regulations
• International AML regulations and sanctions
• Advice on complex transactions

Dispute resolution and conflict management

• Disputes related to AML measures and banks’ obligations
• Appeals against administrative decisions
• Advice on conflicts between regulatory requirements and business relationships
• Strategic management of compliance situations that threaten the transaction

Training and support

• Tailored AML and compliance training for staff and management
• Policy development and implementation within the organisation
• Ongoing legal support regarding AML and related regulations

We have particularly extensive experience in the banking sector, where we have worked with proactive compliance measures, supervisory matters, and also with disputes between banks and private individuals when banks have taken measures in accordance with anti-money laundering regulations. In addition, we have built broad expertise in other industries, where we provide advice based on specific AML risks and regulatory requirements. We help you comply with regulatory requirements in a way that minimises operational disturbance, protects your brand and provides clarity in complex situations.

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