{"id":31361,"date":"2026-08-08T16:28:53","date_gmt":"2026-08-08T14:28:53","guid":{"rendered":"https:\/\/nect.com\/media\/okategoriserad\/risikoanalys-enligt-gwg-saa-undviker-du-fel\/"},"modified":"2026-10-27T20:31:18","modified_gmt":"2026-10-27T19:31:18","slug":"risikoanalys-enligt-gwg-saa-undviker-du-fel","status":"publish","type":"post","link":"https:\/\/nect.com\/sv\/media\/blogg\/risikoanalys-enligt-gwg-saa-undviker-du-fel\/","title":{"rendered":"Risikoanalys enligt GwG: S\u00e5 undviker du fel!"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"31361\" class=\"elementor elementor-31361 elementor-30284\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dd8ed7b e-flex e-con-boxed e-con e-parent\" data-id=\"dd8ed7b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-87cd6d8 elementor-widget elementor-widget-text-editor\" data-id=\"87cd6d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Risikoanalysen enligt GwG (den tyska penningtv\u00e4ttslagen) spelar en avg\u00f6rande roll f\u00f6r att undvika fel och s\u00e4kerst\u00e4lla ett effektivt genomf\u00f6rande av efterlevnad av penningtv\u00e4ttsregler. <\/p><p>Denna artikel fokuserar huvudsakligen p\u00e5 den icke-finansiella sektorn.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ef40658 e-con-full e-flex e-con e-child\" data-id=\"ef40658\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0c0d848 elementor-widget elementor-widget-heading\" data-id=\"0c0d848\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Sammanfattning<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ef11aa elementor-widget elementor-widget-text-editor\" data-id=\"5ef11aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Betydelsen av risikoanalys enligt GwG: Risikoanalysen \u00e4r en central aspekt av <a href=\"https:\/\/nect.com\/sv\/media\/blogg\/penningtvaettslagen-det-haer-behoever-foeretag-veta\/\" target=\"_blank\" rel=\"noopener\">penningtv\u00e4ttslagen<\/a> (GwG) som st\u00f6der f\u00f6rebyggande och bek\u00e4mpning av <a href=\"https:\/\/nect.com\/sv\/media\/blogg\/penningtvaett-det-haer-boer-du-absolut-kaenna-till\/\" target=\"_blank\" rel=\"noopener\">penningtv\u00e4tt<\/a> och finansiering av terrorism genom ett riskbaserat tillv\u00e4gag\u00e5ngss\u00e4tt. Den kr\u00e4ver att f\u00f6retag implementerar en effektiv riskhantering som tar h\u00e4nsyn till aff\u00e4rsaktiviteter och tillh\u00f6rande risker, samt anpassar interna s\u00e4kerhets\u00e5tg\u00e4rder i enlighet med den egna risikoanalysen och nationella risikoanalyser. <\/li><li>Genomf\u00f6rande och anpassning av risikoanalysen: Risikoanalysen m\u00e5ste anpassas individuellt till arten och omfattningen av f\u00f6retagets aff\u00e4rsverksamhet. H\u00e4rvid m\u00e5ste lagstadgade riskfaktorer samt insikter fr\u00e5n den nationella risikoanalysen integreras f\u00f6r att m\u00f6jligg\u00f6ra en omfattande utv\u00e4rdering och hantering av potentiella risker. <\/li><li>Implementeringssteg och \u00f6vervakning av risikoanalysen: Implementeringen av risikoanalysen sker i flera steg, med b\u00f6rjan i en inventering och identifiering av risker, f\u00f6ljt av kategorisering och viktning av riskerna. Slutligen ska interna s\u00e4kerhets\u00e5tg\u00e4rder implementeras baserat p\u00e5 denna analys och ses \u00f6ver regelbundet f\u00f6r att s\u00e4kerst\u00e4lla en dynamisk och kontinuerlig \u00f6vervakning av aff\u00e4rsrelationerna. <\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c03a384 elementor-toc--minimized-on-desktop elementor-widget elementor-widget-table-of-contents\" data-id=\"c03a384\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;container&quot;:&quot;#index-content&quot;,&quot;exclude_headings_by_selector&quot;:[],&quot;no_headings_message&quot;:&quot;Es wurden keine \\u00dcberschriften auf dieser Seite gefunden.&quot;,&quot;minimized_on&quot;:&quot;desktop&quot;,&quot;headings_by_tags&quot;:[&quot;h2&quot;,&quot;h3&quot;,&quot;h4&quot;,&quot;h5&quot;,&quot;h6&quot;],&quot;marker_view&quot;:&quot;numbers&quot;,&quot;minimize_box&quot;:&quot;yes&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\tInneh\u00e5llsf\u00f6rteckning\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__c03a384\" aria-expanded=\"true\" aria-label=\"\u00d6ppna inneh\u00e5llsf\u00f6rteckning\"><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_down\"><\/i><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__c03a384\" aria-expanded=\"true\" aria-label=\"St\u00e4ng inneh\u00e5llsf\u00f6rteckning\"><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_up\"><\/i><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__c03a384\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<i class=\"elementor-toc__spinner eicon-animation-spin eicon-loading\" aria-hidden=\"true\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8800667 e-con-full e-flex e-con e-child\" data-id=\"8800667\" data-element_type=\"container\" data-e-type=\"container\" id=\"index-content\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ecdc2ea elementor-widget elementor-widget-spacer\" data-id=\"ecdc2ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c4488d elementor-widget elementor-widget-heading\" data-id=\"1c4488d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Varf\u00f6r \u00e4r en risikoanalys viktig?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2c0323 elementor-widget elementor-widget-text-editor\" data-id=\"a2c0323\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tEnligt \u00a7 3a st. 1 GwG baseras f\u00f6rebyggande och bek\u00e4mpning av penningtv\u00e4tt och finansiering av terrorism p\u00e5 ett riskbaserat tillv\u00e4gag\u00e5ngss\u00e4tt. Rapporteringspliktiga enheter m\u00e5ste enligt \u00a7 4 GwG implementera en effektiv riskhantering som inkluderar en risikoanalys (\u00a7 5 GwG) och interna s\u00e4kerhets\u00e5tg\u00e4rder (\u00a7 6 GwG). En effektiv riskhantering tar h\u00e4nsyn till alla aff\u00e4rsaktiviteter och de risker som f\u00f6ljer av dessa. L\u00e4mpligheten av de interna s\u00e4kerhets\u00e5tg\u00e4rderna fastst\u00e4lls p\u00e5 grundval av den egna risikoanalysen och resultaten fr\u00e5n den nationella risikoanalysen. Dessutom m\u00e5ste riskhanteringen enligt \u00a7 4 st. 1 GwG beakta aff\u00e4rsverksamhetens art och omfattning.      \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62a2119 elementor-widget elementor-widget-spacer\" data-id=\"62a2119\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2bb9da2 elementor-widget elementor-widget-heading\" data-id=\"2bb9da2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Vad \u00e4r den r\u00e4ttsliga grunden f\u00f6r risikoanalys?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5b26e0 elementor-widget elementor-widget-text-editor\" data-id=\"d5b26e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tF\u00f6r att undvika fel i risikoanalysen enligt GwG \u00e4r det viktigt att f\u00f6rst\u00e5 definitionen och betydelsen av risikoanalysen. Risikoanalysen \u00e4r en process d\u00e4r potentiella riskfaktorer identifieras, utv\u00e4rderas och hanteras f\u00f6r att s\u00e4kerst\u00e4lla efterlevnad av f\u00f6reskrifter mot penningtv\u00e4tt. \n\nRisikoanalysen m\u00e5ste uppr\u00e4ttas p\u00e5 ett l\u00e4mpligt s\u00e4tt i f\u00f6rh\u00e5llande till aff\u00e4rsverksamhetens art och omfattning (\u00a7 4 st. 1 GwG). D\u00e4rvid ska riskfaktorer fr\u00e5n bilaga 1 och 2 samt insikter fr\u00e5n den nationella risikoanalysen beaktas enligt \u00a7 5 st. 1 GwG. Dessa bilagor ger exempel p\u00e5 faktorer som potentiellt \u00f6kar eller minskar risken. Det \u00e4r inte f\u00f6rekomsten av enskilda faktorer, utan en helhetsbed\u00f6mning av alla relevanta risker som avg\u00f6r den totala risken.    \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-07a8152 elementor-widget elementor-widget-spacer\" data-id=\"07a8152\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b11817 elementor-widget elementor-widget-heading\" data-id=\"3b11817\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Implementera risikoanalys: Steg f\u00f6r steg<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2033b76 elementor-widget elementor-widget-heading\" data-id=\"2033b76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Steg 1: Inventering<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8ff6f9 elementor-widget elementor-widget-text-editor\" data-id=\"f8ff6f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Vi har listat n\u00e5gra exempel p\u00e5 riskfaktorer f\u00f6r en potentiellt l\u00e5g risk (<a href=\"https:\/\/www.gesetze-im-internet.de\/gwg_2017\/anlage_1.html\" target=\"_blank\" rel=\"noopener\">Bilaga 1<\/a>) och en h\u00f6gre risk (<a href=\"https:\/\/www.gesetze-im-internet.de\/gwg_2017\/anlage_2.html\" target=\"_blank\" rel=\"noopener\">Bilaga 2<\/a>). D\u00e4refter f\u00f6ljer en sammanfattning av riskerna f\u00f6r vissa branscher enligt den <a href=\"https:\/\/www.bundesfinanzministerium.de\/Content\/DE\/Downloads\/Broschueren_Bestellservice\/2019-10-19-erste-nationale-risikoanalyse_2018-2019.pdf?__blob=publicationFile&#038;v=1\" target=\"_blank\" rel=\"noopener\">nationella risikoanalysen<\/a>: <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-471287c elementor-widget elementor-widget-heading\" data-id=\"471287c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Steg 2: Identifiera risker<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a7297bd elementor-widget elementor-widget-heading\" data-id=\"a7297bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Faktorer f\u00f6r potentiellt l\u00e5g risk<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96bec20 elementor-widget elementor-widget-text-editor\" data-id=\"96bec20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li><strong>Kundrisk<\/strong><ul><li>Offentliga f\u00f6retag noterade p\u00e5 en b\u00f6rs som omfattas av upplysningsplikt (p\u00e5 grund av b\u00f6rsregler eller lagar) som s\u00e4kerst\u00e4ller rimlig transparens avseende den verkliga huvudmannen.<\/li><li>Offentliga f\u00f6rvaltningar eller f\u00f6retag.<\/li><li>Kunder med hemvist i geografiska omr\u00e5den med l\u00e4gre risk.<\/li><\/ul><\/li><li><strong>Produkt-, tj\u00e4nste-, transaktions- eller distributionskanalsrisk<\/strong><ul><li>Livf\u00f6rs\u00e4kringar med l\u00e5g premie.<\/li><li>F\u00f6rs\u00e4kringsvillkor f\u00f6r pensionsf\u00f6rs\u00e4kringsavtal utan \u00e5terk\u00f6psklausul eller m\u00f6jlighet att tj\u00e4na som s\u00e4kerhet f\u00f6r l\u00e5n.<\/li><li>Pensionssystem och pensionsplaner som drar avgifter fr\u00e5n l\u00f6nen och inte till\u00e5ter \u00f6verf\u00f6ring av r\u00e4ttigheter.<\/li><li>Finansiella produkter eller tj\u00e4nster som syftar till \u201dfinancial inclusion\u201d.<\/li><li>Produkter d\u00e4r risker styrs genom begr\u00e4nsningar eller transparens (t.ex. vissa typer av e-pengar).<\/li><\/ul><\/li><li><strong>Geografisk risk<\/strong><ul><li>Medlemsstater.<\/li><li>Tredjel\u00e4nder med effektiva system f\u00f6r att f\u00f6rebygga, uppt\u00e4cka och bek\u00e4mpa penningtv\u00e4tt och finansiering av terrorism.<\/li><li>Tredjel\u00e4nder med l\u00e5g grad av korruption och annan kriminell verksamhet.<\/li><li>Tredjel\u00e4nder som effektivt implementerar FATF:s rekommendationer.<\/li><\/ul><\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4950f6b elementor-widget elementor-widget-heading\" data-id=\"4950f6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Faktorer f\u00f6r potentiellt h\u00f6gre risk<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76e6100 elementor-widget elementor-widget-text-editor\" data-id=\"76e6100\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li><strong>H\u00f6g penningtv\u00e4ttsrisk:<\/strong> Notarier \u00e4r typiskt sett involverade i fastighetsaff\u00e4rer, vilket inneb\u00e4r en \u00f6kad penningtv\u00e4ttsrisk. Deras engagemang i f\u00f6retagsetableringar inneb\u00e4r ocks\u00e5 risker. <\/li><li><strong>Roll som tj\u00e4nsteman:<\/strong> Som tj\u00e4nstem\u00e4n agerar notarier offentligr\u00e4ttsligt i all sin verksamhet, vilket kr\u00e4ver s\u00e4rskild omsorg och ansvar.<\/li><li><strong>Mots\u00e4ttningar mellan lag och yrkesregler:<\/strong> Notarier m\u00e5ste beakta b\u00e5de den federala notarieordningen och penningtv\u00e4ttslagen, vilket kan leda till konflikter.<\/li><li><strong>Tillsyn av lagmansr\u00e4ttens presidenter:<\/strong> \u00d6vervakningen av notarier ut\u00f6vas inte av en kammare, utan av presidenterna f\u00f6r respektive lagmansr\u00e4tt.<\/li><li><strong>S\u00e4rskilt fokus p\u00e5 klientmedelskonton:<\/strong> Dessa konton \u00e4r s\u00e5rbara f\u00f6r penningtv\u00e4tt, s\u00e4rskilt i samband med kontant- och utlandsbetalningar.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f9a13e5 elementor-widget elementor-widget-heading\" data-id=\"f9a13e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Riskfaktorer GwG: Revisorer<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ab9c57 elementor-widget elementor-widget-text-editor\" data-id=\"4ab9c57\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li><strong>Medelh\u00f6g penningtv\u00e4ttsrisk:<\/strong> Revisorer har djup insyn i f\u00f6retags ekonomi och strukturer, vilket utg\u00f6r en potentiell risk f\u00f6r penningtv\u00e4ttsaktiviteter.<\/li><li><strong>K\u00e4nnedom om den verkliga huvudmannen:<\/strong> Deras f\u00f6rm\u00e5ga att identifiera den verkliga f\u00f6rm\u00e5nstagaren i ett f\u00f6retag \u00e4r b\u00e5de en styrka och en riskk\u00e4lla.<\/li><li><strong>Tillsyn av revisorssamfundet:<\/strong> Det specifika samfundet f\u00f6r revisorer spelar en viktig roll i tillsynen och kontrollen av sina medlemmar.<\/li><li><strong>Risk genom m\u00e5lvaktskonstruktioner:<\/strong> S\u00e4rskilt inom fastighetssektorn b\u00f6r revisorer vara uppm\u00e4rksamma p\u00e5 risken med s\u00e5dana konstruktioner.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a5fcca elementor-widget elementor-widget-heading\" data-id=\"1a5fcca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Riskfaktorer GwG: Advokater<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71ce3a4 elementor-widget elementor-widget-text-editor\" data-id=\"71ce3a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li><strong>H\u00f6g penningtv\u00e4ttsrisk genom klientmedelskonton:<\/strong> Advokater f\u00f6rvaltar ofta klientmedelskonton som kan missbrukas f\u00f6r penningtv\u00e4tt.<\/li><li><strong>Tillsynsfunktion genom regionala samfund:<\/strong> Ut\u00f6ver intressebevakning sk\u00f6ter dessa samfund \u00e4ven penningtv\u00e4ttstillsynen.<\/li><li><strong>Risk genom internationella betalningar och kontantbetalningar:<\/strong> Transaktioner som sker kontant eller fr\u00e5n riskl\u00e4nder kr\u00e4ver \u00f6kad uppm\u00e4rksamhet.<\/li><li><strong>Engagemang i fastighetsaff\u00e4rer och f\u00f6retagsetableringar:<\/strong> Dessa omr\u00e5den \u00e4r s\u00e4rskilt s\u00e5rbara f\u00f6r penningtv\u00e4tt.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23906db elementor-widget elementor-widget-heading\" data-id=\"23906db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Riskfaktorer GwG: Skatter\u00e5dgivare<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d6b1e8 elementor-widget elementor-widget-text-editor\" data-id=\"9d6b1e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li><strong>Medelh\u00f6g penningtv\u00e4ttsrisk:<\/strong> I likhet med revisorer har skatter\u00e5dgivare detaljerad insyn i f\u00f6retags ekonomi, vilket kan missbrukas.<\/li><li><strong>Identifiering av interna avvikelser i f\u00f6retag:<\/strong> Deras roll g\u00f6r det m\u00f6jligt f\u00f6r dem att identifiera anomalier som kan tyda p\u00e5 penningtv\u00e4tt.<\/li><li><strong>Tillsynsfunktion genom yrkesspecifika samfund:<\/strong> \u00c4ven skatter\u00e5dgivare omfattas av en strikt \u00f6vervakning och reglering genom sina samfund.<\/li><li><strong>Betydelsen av fortbildning:<\/strong> Kontinuerlig vidareutbildning kr\u00e4vs f\u00f6r att h\u00e5lla j\u00e4mna steg med f\u00f6r\u00e4nderliga lagar och regler.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35fc5be elementor-widget elementor-widget-heading\" data-id=\"35fc5be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Riskfaktorer GwG: Fastighetsbranschen<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22c62e4 elementor-widget elementor-widget-text-editor\" data-id=\"22c62e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li><strong>H\u00f6g ekonomisk betydelse:<\/strong> Fastigheter \u00e4r attraktiva investeringsobjekt p\u00e5 grund av h\u00f6ga transaktionsvolymer och v\u00e4rdestabilitet.<\/li><li><strong>D\u00f6ljande av medlens ursprung:<\/strong> Genom komplexiteten och de juridiska utformningsm\u00f6jligheterna i fastighetstransaktioner kan medlens ursprung d\u00f6ljas.<\/li><li><strong>Anonymitet vid share deals:<\/strong> F\u00f6rv\u00e4rv av fastigheter via share deals g\u00f6r det m\u00f6jligt att d\u00f6lja \u00e4garens identitet bakom f\u00f6retagsstrukturer, varigenom anonymiteten bevaras.<\/li><li><strong>H\u00f6g transparens, men risker vid verkligt huvudmannaskap:<\/strong> Trots de \u00e4garf\u00f6rh\u00e5llanden som finns registrerade i fastighetsregistret kan tilldelningen av tillg\u00e5ngar f\u00f6rsv\u00e5ras om det verkliga huvudmannaskapet och det formella \u00e4gandet skiljer sig \u00e5t.<br\/>Risk f\u00f6r komplexa<\/li><li><strong>f\u00f6retagsstrukturer:<\/strong> Komplexa f\u00f6retagsn\u00e4tverk och anv\u00e4ndning av f\u00f6rvaltningskonstruktioner \u00f6kar risken f\u00f6r penningtv\u00e4tt.<\/li><li><strong>Undandragandemekanismer:<\/strong> Reformerade lagar kan leda till en \u00f6verg\u00e5ng fr\u00e5n k\u00f6p till f\u00f6rhyrning av lyxfastigheter f\u00f6r att tv\u00e4tta pengar.<\/li><li><strong>\u00d6kad betydelse f\u00f6r uthyrningsm\u00e4klare:<\/strong> Med den nya regleringen under penningtv\u00e4ttsdirektivet blir \u00e4ven uthyrningsm\u00e4klares roll vid h\u00f6ga hyror mer relevant.<\/li><li><strong>Anv\u00e4ndning av auktioner:<\/strong> Exekutiva auktioner anv\u00e4nds alltmer f\u00f6r att f\u00f6rv\u00e4rva fastigheter med misst\u00e4nkta medel.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53e5e1e elementor-widget elementor-widget-spacer\" data-id=\"53e5e1e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a635ace e-con-full e-flex e-con e-child\" data-id=\"a635ace\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f791500 elementor-widget elementor-widget-heading\" data-id=\"f791500\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Hur hj\u00e4lper Nect?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-076bee1 elementor-widget elementor-widget-text-editor\" data-id=\"076bee1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tAccelerera dina compliance-processer enkelt och r\u00e4ttss\u00e4kert: Uppt\u00e4ck Nect, den bepr\u00f6vade plattformen f\u00f6r <b>advokater, skatter\u00e5dgivare, notarier, revisorer och fastighetsm\u00e4klare<\/b>. Skicka oss en f\u00f6rfr\u00e5gan och s\u00e4kra tillg\u00e5ng till effektiva, s\u00e4kra och bekv\u00e4ma l\u00f6sningar f\u00f6r dina klienter \u2013 v\u00e4lj det alternativ som m\u00e5nga v\u00e4lrenommerade byr\u00e5er redan litar p\u00e5. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d67a95 elementor-widget elementor-widget-image\" data-id=\"0d67a95\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"520\" src=\"https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung-1024x665.jpg\" class=\"attachment-large size-large wp-image-31110\" alt=\"Webbl\u00e4sare med KYB-riskbed\u00f6mning KYC\" srcset=\"https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung-1024x665.jpg 1024w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung-300x195.jpg 300w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung-768x499.jpg 768w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung.jpg 1200w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d76f3d6 elementor-widget elementor-widget-button\" data-id=\"d76f3d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6MjgyNjcsInRvZ2dsZSI6ZmFsc2V9\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Boka demo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-988cd2b elementor-widget elementor-widget-spacer\" data-id=\"988cd2b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e41883 elementor-widget elementor-widget-heading\" data-id=\"0e41883\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Steg 3: Kategorisera riskgrupper<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa5cb69 elementor-widget elementor-widget-text-editor\" data-id=\"fa5cb69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Risker m\u00e5ste delas in i riskgrupper och utv\u00e4rderas utifr\u00e5n sin betydelse. Denna utv\u00e4rdering sker vanligtvis i tre steg: <b>h\u00f6g, medel och l\u00e5g<\/b>. <\/p><p>Det \u00e4r dock m\u00f6jligt att anpassa denna klassificering genom att antingen l\u00e4gga till fler kategorier eller reducera till f\u00e4rre. Till exempel omfattar kategorin \u201dh\u00f6g\u201d riskfall som tr\u00e4ffar lagstadgade h\u00f6griskklasser eller som genom egna bed\u00f6mningar klassas som h\u00f6ga. \u201dMedel\u201d avser fall som varken klassificeras som h\u00f6ga eller l\u00e5ga, och \u201dl\u00e5g\u201d avser situationer med bevisat l\u00e5g risk.  <\/p><p>Olika metoder kan anv\u00e4ndas f\u00f6r riskbed\u00f6mning, inklusive system med variabel eller fast viktning av riskfaktorer. Dessutom kan automatiska kriterier f\u00f6r kundklassificering eller s\u00e4kerhets\u00e5tg\u00e4rder fastst\u00e4llas. Avvikelser m\u00e5ste dokumenteras, varvid \u00e4ven resultat fr\u00e5n nationella analyser av penningtv\u00e4tt och finansiering av terrorism ska beaktas.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1602942 elementor-widget elementor-widget-heading\" data-id=\"1602942\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Steg 4: Interna s\u00e4kerhets\u00e5tg\u00e4rder<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a6dd3f elementor-widget elementor-widget-text-editor\" data-id=\"3a6dd3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Resultaten fr\u00e5n identifiering, kategorisering och viktning av riskerna ska implementeras inom ramen f\u00f6r de enskilda interna s\u00e4kerhets\u00e5tg\u00e4rderna, genom att dessa i princip ska h\u00e4rledas fr\u00e5n eller motsvara resultaten av risikoanalysen.<\/p><p>Precis som i riskhantering generellt ska man \u00e4ven vid genomf\u00f6randet av de enskilda f\u00f6rebyggande \u00e5tg\u00e4rderna i varje enskilt fall g\u00e5 till v\u00e4ga med st\u00f6rre omsorg ju h\u00f6gre riskpotentialen \u00e4r.<\/p><p>De vidtagna interna s\u00e4kerhets\u00e5tg\u00e4rderna ska ses \u00f6ver och vidareutvecklas med h\u00e4nsyn till resultatet av risikoanalysen.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c635f0f elementor-widget elementor-widget-heading\" data-id=\"c635f0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Steg 5: Regelbunden \u00f6vervakning<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-242d9b5 elementor-widget elementor-widget-text-editor\" data-id=\"242d9b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Enligt lagmotiveringen till \u00a7 10 st. 1 nr 5 GwG ska en kontinuerlig dynamisk \u00f6vervakning av aff\u00e4rsrelationen ske, inklusive de transaktioner som genomf\u00f6rs under dess g\u00e5ng, och i detta sammanhang ska en avst\u00e4mning av kundprofiler mot respektive transaktionsbeteende g\u00f6ras. <\/p><p>Dynamisk \u00f6vervakning inneb\u00e4r h\u00e4rvid ett rimligt beaktande av insikterna fr\u00e5n aff\u00e4rsrelationens f\u00f6rlopp. Med den kontinuerliga \u00f6vervakningen ska det fastst\u00e4llas om den l\u00f6pande aff\u00e4rsrelationen vid genomf\u00f6randet av enskilda transaktioner uppvisar konkreta avvikelser eller relevanta skillnader fr\u00e5n kundens tidigare beteende. <\/p><p>Indicierna ska definieras f\u00f6retagsspecifikt. D\u00e4rvid ska resultaten fr\u00e5n risikoanalysen ligga till grund. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Risikoanalysen enligt GwG (den tyska penningtv\u00e4ttslagen) spelar en avg\u00f6rande roll f\u00f6r att undvika fel och s\u00e4kerst\u00e4lla ett effektivt genomf\u00f6rande av efterlevnad av penningtv\u00e4ttsregler. Denna artikel fokuserar huvudsakligen p\u00e5 den icke-finansiella sektorn. <\/p>\n","protected":false},"author":3,"featured_media":31362,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[816],"tags":[817,819],"class_list":["post-31361","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blogg","tag-efterlevnad","tag-regulatoriskt"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.8 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Risikoanalys enligt GwG: S\u00e5 undviker du fel! - Nect<\/title>\n<meta name=\"description\" content=\"Risikoanalysen enligt GwG spelar en avg\u00f6rande roll f\u00f6r att undvika fel och s\u00e4kerst\u00e4lla ett effektivt genomf\u00f6rande av efterlevnad av penningtv\u00e4ttsregler. 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