{"title":"AML, KYC \u0026 Penningtvätt – Mallar","description":"\u003ch2\u003eAML, KYC och penningtvätt – dokumentmallar för compliance\u003c\/h2\u003e\u003cp\u003eMallar och arbetsverktyg för verksamheter som omfattas av regler om åtgärder mot penningtvätt och finansiering av terrorism. Här samlas allmän riskbedömning, kundkännedom (KYC), verklig huvudman (UBO), PEP, kundrisk, skärpta åtgärder, monitorering, goAML, internkontroll och kommande EU AMLR-förberedelser.\u003c\/p\u003e\u003cp\u003eProdukterna är utformade som praktiska arbetsunderlag och ska alltid anpassas efter den aktuella verksamheten, branschspecifika föreskrifter och ansvarig tillsynsmyndighet.\u003c\/p\u003e","products":[{"product_id":"aml-kyc-penningtvatt-compliance-2026-2027-svenska-english-riskbedomning-kyc-pep-goaml-word-pdf-excel","title":"AML\/KYC \u0026 Anti-Money Laundering Compliance 2026\/2027 – Swedish + English | Risk Assessment, KYC, PEP \u0026 goAML Word\/PDF\/Excel","description":"\u003cdiv id=\"about-the-template\"\u003e\n\u003ch2\u003eAML\/KYC \u0026amp; Anti-Money Laundering Compliance 2026\/2027 – complete 2-in-1 package in Swedish + English\u003c\/h2\u003e\n\u003cp\u003eA comprehensive working and documentation package for Swedish \u003cstrong\u003eobliged entities subject to anti-money laundering and counter-terrorist financing rules\u003c\/strong\u003e. The package connects \u003cstrong\u003ebusiness-wide risk assessment, customer due diligence (KYC), beneficial ownership, PEP checks, customer risk classification, enhanced due diligence, ongoing monitoring, suspicion assessment, goAML, confidentiality, internal controls, training, data protection and record retention\u003c\/strong\u003e into one coherent compliance workflow.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e2-in-1:\u003c\/strong\u003e seven documents are included in both Swedish and English. You receive \u003cstrong\u003e14 document templates in Word + PDF plus an advanced Excel register\u003c\/strong\u003e – a total of \u003cstrong\u003e29 delivery files\u003c\/strong\u003e. The Word\/PDF series comprises \u003cstrong\u003e40 A4 pages across the Swedish and English versions per format series\u003c\/strong\u003e.\u003c\/p\u003e\n\n\u003cnav aria-label=\"About the template\" style=\"border:1px solid #dbe4ea;padding:16px;border-radius:10px;background:#f7fafc;margin:18px 0;\"\u003e\n\u003cstrong\u003eAbout the template\u003c\/strong\u003e\n\u003cul\u003e\n\u003cli\u003e\u003ca href=\"#reviewed\"\u003eLegally reviewed 2026\/2027\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"#included\"\u003eWhat is included\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"#workflow\"\u003eBuilt for a complete AML\/KYC workflow\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"#risk\"\u003eBusiness-wide risk assessment\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"#kyc\"\u003eKYC, beneficial ownership and PEP\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"#risk-profile\"\u003eCustomer risk and enhanced due diligence\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"#monitoring\"\u003eMonitoring, suspicion assessment and goAML\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"#retention\"\u003eData protection, confidentiality and 5-year retention\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"#eu2027\"\u003eEU AMLR 2027 – separate gap analysis\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"#faq\"\u003eFrequently asked questions\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"#sources\"\u003eLegal basis and official sources\u003c\/a\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/nav\u003e\n\n\u003cdiv id=\"reviewed\" style=\"border:1px solid #b7dec5;background:#e9f6ee;padding:18px;border-radius:10px;margin:18px 0;\"\u003e\n\u003cstrong\u003eLegally and regulatorily reviewed: 6 October 2026\u003c\/strong\u003e\u003cbr\u003e\nThe package is based on the current Swedish Anti-Money Laundering and Counter-Terrorist Financing Act (2017:630), relevant supervisory guidance and the risk environment described by Swedish authorities in 2026. \u003cstrong\u003eEU AMLR Regulation (EU) 2024\/1624 will mainly apply from 10 July 2027.\u003c\/strong\u003e The 2027 material is therefore clearly separated as preparation and gap analysis and does not imply that proposed Swedish 2027 legislation is already in force.\n\u003c\/div\u003e\n\n\u003ch2 id=\"included\"\u003eWhat is included in the package\u003c\/h2\u003e\n\u003cdiv style=\"overflow-x:auto;\"\u003e\n\u003ctable style=\"width:100%;border-collapse:collapse;\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth style=\"text-align:left;border:1px solid #d5dde3;padding:10px;background:#15324b;color:#fff;\"\u003eDocument\u003c\/th\u003e\n\u003cth style=\"text-align:left;border:1px solid #d5dde3;padding:10px;background:#15324b;color:#fff;\"\u003eSwedish\u003c\/th\u003e\n\u003cth style=\"text-align:left;border:1px solid #d5dde3;padding:10px;background:#15324b;color:#fff;\"\u003eEnglish\u003c\/th\u003e\n\u003cth style=\"text-align:left;border:1px solid #d5dde3;padding:10px;background:#15324b;color:#fff;\"\u003ePurpose\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\u003ctd style=\"border:1px solid #d5dde3;padding:10px;\"\u003e\u003cstrong\u003eCompliance plan \u0026amp; scope assessment\u003c\/strong\u003e\u003c\/td\u003e\u003ctd style=\"border:1px solid #d5dde3;padding:10px;\"\u003e3 pages\u003c\/td\u003e\u003ctd style=\"border:1px solid #d5dde3;padding:10px;\"\u003e3 pages\u003c\/td\u003e\u003ctd style=\"border:1px solid #d5dde3;padding:10px;\"\u003eScope, supervision, responsibilities, annual cycle and 2027 change control.\u003c\/td\u003e\u003c\/tr\u003e\n\u003ctr\u003e\u003ctd style=\"border:1px solid #d5dde3;padding:10px;\"\u003e\u003cstrong\u003eBusiness-wide AML\/CFT risk assessment\u003c\/strong\u003e\u003c\/td\u003e\u003ctd style=\"border:1px solid #d5dde3;padding:10px;\"\u003e3 pages\u003c\/td\u003e\u003ctd style=\"border:1px solid #d5dde3;padding:10px;\"\u003e3 pages\u003c\/td\u003e\u003ctd style=\"border:1px solid #d5dde3;padding:10px;\"\u003eProducts\/services, customer types, distribution, geography, threats and vulnerabilities.\u003c\/td\u003e\u003c\/tr\u003e\n\u003ctr\u003e\u003ctd style=\"border:1px solid #d5dde3;padding:10px;\"\u003e\u003cstrong\u003eKYC, beneficial owner \u0026amp; PEP\u003c\/strong\u003e\u003c\/td\u003e\u003ctd style=\"border:1px solid #d5dde3;padding:10px;\"\u003e3 pages\u003c\/td\u003e\u003ctd style=\"border:1px solid #d5dde3;padding:10px;\"\u003e3 pages\u003c\/td\u003e\u003ctd style=\"border:1px solid #d5dde3;padding:10px;\"\u003eIdentity, authority, UBO, ownership structure, purpose and nature, PEP and high-risk third countries.\u003c\/td\u003e\u003c\/tr\u003e\n\u003ctr\u003e\u003ctd style=\"border:1px solid #d5dde3;padding:10px;\"\u003e\u003cstrong\u003eCustomer risk \u0026amp; enhanced due diligence\u003c\/strong\u003e\u003c\/td\u003e\u003ctd style=\"border:1px solid #d5dde3;padding:10px;\"\u003e2 pages\u003c\/td\u003e\u003ctd style=\"border:1px solid #d5dde3;padding:10px;\"\u003e2 pages\u003c\/td\u003e\u003ctd style=\"border:1px solid #d5dde3;padding:10px;\"\u003eRisk profile, EDD, senior approval and documented customer acceptance.\u003c\/td\u003e\u003c\/tr\u003e\n\u003ctr\u003e\u003ctd style=\"border:1px solid #d5dde3;padding:10px;\"\u003e\u003cstrong\u003eMonitoring, suspicion assessment \u0026amp; goAML\u003c\/strong\u003e\u003c\/td\u003e\u003ctd style=\"border:1px solid #d5dde3;padding:10px;\"\u003e2 pages\u003c\/td\u003e\u003ctd style=\"border:1px solid #d5dde3;padding:10px;\"\u003e2 pages\u003c\/td\u003e\u003ctd style=\"border:1px solid #d5dde3;padding:10px;\"\u003eDeviation analysis, reporting decisions, confidentiality and goAML workflow.\u003c\/td\u003e\u003c\/tr\u003e\n\u003ctr\u003e\u003ctd style=\"border:1px solid #d5dde3;padding:10px;\"\u003e\u003cstrong\u003eProcedures, internal controls, training \u0026amp; data protection\u003c\/strong\u003e\u003c\/td\u003e\u003ctd style=\"border:1px solid #d5dde3;padding:10px;\"\u003e3 pages\u003c\/td\u003e\u003ctd style=\"border:1px solid #d5dde3;padding:10px;\"\u003e3 pages\u003c\/td\u003e\u003ctd style=\"border:1px solid #d5dde3;padding:10px;\"\u003eRoles, control plan, training, retention and model risk.\u003c\/td\u003e\u003c\/tr\u003e\n\u003ctr\u003e\u003ctd style=\"border:1px solid #d5dde3;padding:10px;\"\u003e\u003cstrong\u003eDetailed user guide\u003c\/strong\u003e\u003c\/td\u003e\u003ctd style=\"border:1px solid #d5dde3;padding:10px;\"\u003e4 pages\u003c\/td\u003e\u003ctd style=\"border:1px solid #d5dde3;padding:10px;\"\u003e4 pages\u003c\/td\u003e\u003ctd style=\"border:1px solid #d5dde3;padding:10px;\"\u003eStep-by-step guidance, common supervisory deficiencies and EU 2027 preparation.\u003c\/td\u003e\u003c\/tr\u003e\n\u003ctr\u003e\u003ctd style=\"border:1px solid #d5dde3;padding:10px;\"\u003e\u003cstrong\u003eAML\/KYC Compliance Register – Excel\u003c\/strong\u003e\u003c\/td\u003e\u003ctd colspan=\"2\" style=\"border:1px solid #d5dde3;padding:10px;\"\u003eXLSX\u003c\/td\u003e\u003ctd style=\"border:1px solid #d5dde3;padding:10px;\"\u003eDashboard + business risk, customers, KYC, PEP, monitoring, SAR\/goAML decisions, retention, controls and 2027 gap analysis.\u003c\/td\u003e\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003c\/div\u003e\n\n\u003cdiv id=\"workflow\" style=\"background:#fff4cc;border-left:5px solid #d9a800;padding:20px;border-radius:8px;margin:22px 0;\"\u003e\n\u003cstrong style=\"font-size:1.1em;\"\u003eBuilt for a complete AML\/KYC workflow\u003c\/strong\u003e\u003cbr\u003e\nA documented policy is not enough unless it is connected to the business's actual risks and customer cases. The package therefore links \u003cstrong\u003ebusiness-wide risk assessment → customer risk → KYC\/UBO\/PEP → monitoring → suspicion assessment → goAML → internal control and retention\u003c\/strong\u003e. The Excel register also provides an operational dashboard for ongoing follow-up.\n\u003c\/div\u003e\n\n\u003ch2\u003eWho is the package for?\u003c\/h2\u003e\n\u003cp\u003eThe package is intended for businesses that are actually subject to Swedish anti-money laundering legislation. Whether the rules apply depends on the business type and sector. Relevant sectors can include financial firms and certain accounting, bookkeeping, tax, company-service, real-estate brokerage, gambling and other regulated activities. \u003cstrong\u003eUsing a template does not in itself make a company an obliged entity.\u003c\/strong\u003e Always verify Chapter 1, Section 2 of the Swedish Anti-Money Laundering Act and the supervisory authority and regulations applicable to the specific business.\u003c\/p\u003e\n\n\u003ch2 id=\"risk\"\u003eBusiness-wide risk assessment – the foundation\u003c\/h2\u003e\n\u003cp\u003eSwedish AML legislation requires an obliged entity to assess \u003cstrong\u003ehow its products and services may be used for money laundering or terrorist financing and the level of that risk\u003c\/strong\u003e. The assessment should consider products and services, customers, distribution channels and geographical risk factors and be detailed enough to support procedures and other risk-mitigation measures.\u003c\/p\u003e\n\u003cp\u003eThe template helps document:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003ethe size, nature and scope of the business,\u003c\/li\u003e\n\u003cli\u003eproducts and services,\u003c\/li\u003e\n\u003cli\u003ecustomer types and ownership structures,\u003c\/li\u003e\n\u003cli\u003eremote, intermediary and digital distribution,\u003c\/li\u003e\n\u003cli\u003egeographical exposure,\u003c\/li\u003e\n\u003cli\u003ethreats and vulnerabilities,\u003c\/li\u003e\n\u003cli\u003einherent and residual risk,\u003c\/li\u003e\n\u003cli\u003ethe design and effectiveness of controls,\u003c\/li\u003e\n\u003cli\u003eaction plans and responsibilities.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eCurrent guidance from the County Administrative Board states that the business-wide risk assessment should be evaluated regularly, \u003cstrong\u003eat least annually\u003c\/strong\u003e, and more often where necessary because the business or risk environment changes.\u003c\/p\u003e\n\n\u003ch2 id=\"kyc\"\u003eKYC – identity, authority and beneficial ownership\u003c\/h2\u003e\n\u003cp\u003eThe KYC template goes beyond a basic customer form. It documents the customer's identity, representatives and authority, beneficial owner, ownership and control structure, the purpose and intended nature of the business relationship and expected customer behaviour.\u003c\/p\u003e\n\u003cp\u003eUnder current Swedish law, the investigation of beneficial ownership should at least include a search of the Swedish beneficial ownership register where applicable. A registry match may not be sufficient in every situation; further independent verification can be required depending on the risk.\u003c\/p\u003e\n\n\u003ch2\u003ePEP – more than a checkbox\u003c\/h2\u003e\n\u003cp\u003eIf the customer or beneficial owner is a politically exposed person, additional measures apply. The package therefore includes a dedicated PEP gate covering:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003ePEP status, family members and known close associates,\u003c\/li\u003e\n\u003cli\u003eappropriate measures to establish source of wealth and source of funds,\u003c\/li\u003e\n\u003cli\u003eenhanced ongoing monitoring,\u003c\/li\u003e\n\u003cli\u003eapproval by an authorised senior decision-maker,\u003c\/li\u003e\n\u003cli\u003efollow-up of former PEPs.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eCurrent Swedish rules require PEP-related measures to continue for \u003cstrong\u003e18 months\u003c\/strong\u003e after the person ceases to hold the relevant public function and thereafter where the remaining risk is still high.\u003c\/p\u003e\n\n\u003ch2 id=\"risk-profile\"\u003eCustomer risk and enhanced due diligence – EDD\u003c\/h2\u003e\n\u003cp\u003eA customer's risk profile should be based on both the business-wide risk assessment and the specific customer due diligence performed. The package helps document customer type, ownership, geography, PEP status, distribution channel, products\/services, transaction or activity patterns, financial circumstances and source of funds.\u003c\/p\u003e\n\u003cp\u003eHigher-risk situations require more extensive controls. For high-risk third countries, the templates contain dedicated fields for additional customer and UBO information, purpose and nature, financial circumstances, source of funds and senior-management approval.\u003c\/p\u003e\n\n\u003ch2 id=\"monitoring\"\u003eMonitoring, deviations and suspicion assessment\u003c\/h2\u003e\n\u003cp\u003eOngoing monitoring is a separate part of the package. A case begins with what has actually been observed and what behaviour was expected. The workflow then documents enhanced KYC, any explanation received, relevant links, source of funds\/assets and known risk typologies.\u003c\/p\u003e\n\u003cp\u003eIf the assessment results in \u003cstrong\u003ereasonable grounds to suspect money laundering or terrorist financing\u003c\/strong\u003e, relevant circumstances must be reported to the Swedish Police Authority without delay in accordance with applicable Swedish law. The Swedish Financial Intelligence Unit uses \u003cstrong\u003egoAML\u003c\/strong\u003e for reports from obliged entities.\u003c\/p\u003e\n\n\u003ch3\u003eConfidentiality \/ tipping-off\u003c\/h3\u003e\n\u003cp\u003eThe package keeps suspicion logs separate from customer-facing KYC documentation. An obliged entity must not improperly disclose to the customer or an outside party that a suspicion assessment is being or has been carried out or that information has been submitted to the authorities.\u003c\/p\u003e\n\n\u003ch2 id=\"retention\"\u003eData protection and record retention\u003c\/h2\u003e\n\u003cp\u003eCurrent Swedish AML legislation contains specific rules on personal-data processing. Documents and information relating to customer due diligence and relevant transactions are normally retained for \u003cstrong\u003efive years\u003c\/strong\u003e from the statutory starting point. Where necessary to prevent, detect or investigate money laundering or terrorist financing, certain information can be retained longer, but under the current rules the total period must not exceed ten years.\u003c\/p\u003e\n\u003cp\u003eThe Excel workbook therefore includes a separate retention register that calculates the ordinary five-year date and distinguishes it from a separately documented decision on extended retention.\u003c\/p\u003e\n\n\u003ch2\u003eInternal controls, training and model risk\u003c\/h2\u003e\n\u003cp\u003eThe governance document includes roles for management, AML responsibility, central compliance functions and independent review where justified by the size and nature of the business. It also contains a control plan for KYC files, customer risk, PEP\/EDD, monitoring, goAML decisions, access rights, retention and training.\u003c\/p\u003e\n\u003cp\u003eIf the business uses models for risk assessment, risk classification or monitoring, a dedicated control point covers model-risk management and quality assurance.\u003c\/p\u003e\n\n\u003ch2\u003eThe Excel register – operational compliance, not just documents\u003c\/h2\u003e\n\u003cp\u003eThe included XLSX workbook contains:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eDashboard with key indicators,\u003c\/li\u003e\n\u003cli\u003eBusiness Risk Assessment,\u003c\/li\u003e\n\u003cli\u003eProducts \u0026amp; Services,\u003c\/li\u003e\n\u003cli\u003eCustomer Register,\u003c\/li\u003e\n\u003cli\u003eKYC \u0026amp; UBO,\u003c\/li\u003e\n\u003cli\u003ePEP \u0026amp; High Risk,\u003c\/li\u003e\n\u003cli\u003eMonitoring,\u003c\/li\u003e\n\u003cli\u003eSuspicion Decision Log,\u003c\/li\u003e\n\u003cli\u003eRetention,\u003c\/li\u003e\n\u003cli\u003eTraining \u0026amp; Controls,\u003c\/li\u003e\n\u003cli\u003e2027 Gap Analysis,\u003c\/li\u003e\n\u003cli\u003eEvidence Checklist and sources.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eRisk levels, retention dates and several control indicators are formula-driven. The workbook is designed to function as a living operational register rather than a static example.\u003c\/p\u003e\n\n\u003ch2 id=\"eu2027\"\u003eEU AMLR from 10 July 2027 – clearly separated from current Swedish law\u003c\/h2\u003e\n\u003cp\u003eRegulation (EU) 2024\/1624 has been adopted and will mainly apply from \u003cstrong\u003e10 July 2027\u003c\/strong\u003e. During 2026, the Swedish Government also presented proposals to adapt Swedish law, including proposals to replace the current Swedish AML Act and expand certain obligations.\u003c\/p\u003e\n\u003cp\u003eBecause final Swedish legislation may still change, the package's 2027 section is designed as a \u003cstrong\u003egap analysis and change-control plan\u003c\/strong\u003e. It clearly distinguishes between:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003erequirements that apply under Swedish law in 2026,\u003c\/li\u003e\n\u003cli\u003eEU rules that have been adopted but apply from 2027,\u003c\/li\u003e\n\u003cli\u003eSwedish legislative proposals that must be re-verified after final parliamentary decisions.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch2\u003eCurrent risk environment in 2026\u003c\/h2\u003e\n\u003cp\u003eThe national risk assessment published in 2026 describes a higher overall risk of money laundering and terrorist financing in Sweden than five years earlier. The package is therefore designed so that current official information and the organisation's own experience can be incorporated into the risk model instead of relying on old standard assumptions.\u003c\/p\u003e\n\n\u003ch2 id=\"faq\"\u003eFrequently asked questions\u003c\/h2\u003e\n\u003ch3\u003eIs this a KYC template for every company?\u003c\/h3\u003e\n\u003cp\u003eNo. The package is primarily designed for obliged entities subject to AML legislation. Other businesses may have separate reasons to identify customers, but should not treat the package as proof that AML legislation applies to them.\u003c\/p\u003e\n\n\u003ch3\u003eDoes the package include a business-wide risk assessment?\u003c\/h3\u003e\n\u003cp\u003eYes. It is one of the core components and covers products\/services, customers, distribution channels, geography, threats, vulnerabilities, controls and residual risk.\u003c\/p\u003e\n\n\u003ch3\u003eAre beneficial ownership and PEP checks included?\u003c\/h3\u003e\n\u003cp\u003eYes. The KYC documents cover UBO\/beneficial ownership, ownership structure, PEPs, family members\/known close associates, EDD and authorised senior approval.\u003c\/p\u003e\n\n\u003ch3\u003eCan I report directly to the Swedish Financial Intelligence Unit using the template?\u003c\/h3\u003e\n\u003cp\u003eThe template supports internal assessment and documentation. The actual report is submitted through the Financial Intelligence Unit's goAML system under the applicable process. The package does not replace goAML registration or official reporting forms.\u003c\/p\u003e\n\n\u003ch3\u003eHow long should KYC records be retained?\u003c\/h3\u003e\n\u003cp\u003eUnder current Swedish AML legislation, relevant KYC and transaction information is normally retained for five years from the statutory starting point. Specific circumstances may justify a longer period, up to ten years under the current rules.\u003c\/p\u003e\n\n\u003ch3\u003eAre the 2027 rules already Swedish law?\u003c\/h3\u003e\n\u003cp\u003eNo. AMLR is adopted EU law and will mainly apply from 10 July 2027. Swedish legislative proposals from 2026 must be distinguished from finally enacted Swedish law. The package therefore contains a separate 2027 gap analysis.\u003c\/p\u003e\n\n\u003ch3\u003eIs Excel included?\u003c\/h3\u003e\n\u003cp\u003eYes. This is one of the products where Excel adds significant functionality through live customer records, risk logs, monitoring, retention tracking and implementation follow-up.\u003c\/p\u003e\n\n\u003ch2\u003eFormat and delivery\u003c\/h2\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003e14 document templates\u003c\/strong\u003e – 7 Swedish + 7 English.\u003c\/li\u003e\n\u003cli\u003e\u003cstrong\u003e28 document files\u003c\/strong\u003e – DOCX + PDF.\u003c\/li\u003e\n\u003cli\u003e\u003cstrong\u003e1 advanced Excel workbook (XLSX).\u003c\/strong\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cstrong\u003e29 files in total.\u003c\/strong\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cstrong\u003e40 A4 pages per format series across Swedish + English.\u003c\/strong\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cstrong\u003eDigital product – no physical item is shipped.\u003c\/strong\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch2 id=\"sources\"\u003eLegal basis and official sources\u003c\/h2\u003e\n\u003cul\u003e\n\u003cli\u003e\u003ca href=\"https:\/\/data.riksdagen.se\/dokument\/sfs-2017-630.html\"\u003eSwedish Anti-Money Laundering and Counter-Terrorist Financing Act (2017:630)\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"https:\/\/www.lansstyrelsen.se\/stockholm\/samhalle\/betalning-ekonomi-och-pengar\/forhindra-penningtvatt-och-finansiering-av-terrorism\/gor-en-allman-riskbedomning.html\"\u003eCounty Administrative Board – business-wide risk assessment\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"https:\/\/polisen.se\/om-polisen\/polisens-arbete\/finanspolisen\/\"\u003eSwedish Police \/ Financial Intelligence Unit – goAML and reporting\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"https:\/\/www.fi.se\/sv\/publicerat\/fi-forum\/2026\/fi-forum-nationell-riskbedomning-av-penningtvatt--och-finansiering-av-terrorism\/\"\u003eSwedish Financial Supervisory Authority – national risk assessment 2026\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"https:\/\/regeringen.se\/rattsliga-dokument\/departementsserien-och-promemorior\/2026\/07\/eus-penningtvattspaket\/\"\u003eSwedish Government – EU anti-money laundering package Fi2026\/01654\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"https:\/\/eur-lex.europa.eu\/legal-content\/EN\/TXT\/?uri=CELEX:32024R1624\"\u003eRegulation (EU) 2024\/1624 – AMLR\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"https:\/\/eur-lex.europa.eu\/legal-content\/EN\/TXT\/?uri=CELEX:32024L1640\"\u003eDirective (EU) 2024\/1640 – AMLD6\u003c\/a\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003cdiv style=\"background:#f3f5f7;border:1px solid #d5dde3;padding:16px;border-radius:8px;margin-top:20px;\"\u003e\n\u003cstrong\u003eImportant:\u003c\/strong\u003e These are general compliance and document templates. Sector-specific regulations, supervisory requirements, the exact scope of the business, complex ownership structures, PEP\/high-risk cases, suspicious-activity reporting and the transition to AMLR in 2027 may require individual legal or specialist compliance advice.\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"Svenska Dokumentmallar","offers":[{"title":"Default Title","offer_id":55615279366486,"sku":"AML-KYC-COMPLIANCE-2026-2027","price":249.0,"currency_code":"SEK","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0827\/2373\/3846\/files\/aml-kyc-penningtvatt-2026-2027-svenska-english.png?v=1791244395"}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0827\/2373\/3846\/collections\/aml-kyc-penningtvatt-2026-2027-svenska-english.png?v=1791244518","url":"https:\/\/mallbutiken.se\/en\/collections\/aml-kyc-penningtvatt-mallar.oembed","provider":"Mallbutiken","version":"1.0","type":"link"}