01
Lower sanctions risk
You can show what applied and who approved it — that's what regulators check.
AML-efterlevnad du kan bevisa, inte bara påstå
De flesta byråer gör redan rätt. Qapla kopplar riskbedömning, handbok och kundkännedom på ett ställe — så ni är inspektionsredo och slipper bygga om samma arbete i Word, Excel och checklistor.
Inget kreditkort • Ingen bindningstid • Igång direkt
qapla.app / Allmän riskbedömning / 2026-Q1
v 2.4● Synkad
Allmän riskbedömning — 2026
Godkänd 2026-02-14 · Gäller från 2026-03-01 · Nästa översyn 2027-03-01
InspektionsredoSnapshot · 2026-02-14 09:41
Aff. exponering
●Låg
Kundsegment
4 segment
Geografier
SE · NO · DK
Sammanvägd
●2.3 / 5
14 feb 2026
Riskbedömning godkänd av styrelse
M. Lindqvist
✓Snapshot
14 feb 2026
AML-handbok regenererad från ny RB
System
✓Snapshot
11 feb 2026
Geografisk risk uppdaterad — FATF-lista
System
✓Snapshot
02 jan 2026
Rutiner C1–C8 auto-verifierade
System
✓Spårad
Based on 29 Länsstyrelsen decisions (2020–2025)Covers all 8 controls in the Swedish AML ActInspection-ready from day one
The problem
Routines aren't enough. You must be able to prove them.
We analysed 29 firms sanctioned by Länsstyrelsen Stockholm (2020–2025). The conclusion is clear: they had routines. What they lacked was traceability.
Risk assessment
100%
of sanctioned firms had deficiencies in their risk assessment
Documentation
97%
had documentation deficiencies during inspection
Screening
97%
had deficiencies in screening against sanctions lists
The compliance gap
Most firms already do the right things
Most firms already have AML procedures and KYC checklists. They know what needs to be done, and do it regularly in their day-to-day work.
But when inspectors arrive, they cannot show:
What applied on a specific date
Who approved the routines, and when
Which risk assessment the routines were based on
Complete audit trail of all AML actions
Version history of policies and procedures
The time drain
Hours on AML that still isn't provable
The same work happens in Word files, spreadsheets, and email. Staff re-enter data, update checklists, and hunt for documents — every year, every client.
That admin adds up to:
Rebuilding the AML manual when the risk assessment changes
Re-entering client data across disconnected tools
Weekends assembling files before an inspection
Annual risk assessment refresh from scratch
Follow-ups tracked in calendars and inboxes
Manual AML costs time — and still doesn't hold up when someone asks.
One of Sweden's larger accounting firms received a SEK 5,000,000 sanction, not for lacking routines, but for failing to prove them.
5,000,000 SEKof sanctioned firms had traceability deficiencies
Based on analysis of 29 firms sanctioned by Länsstyrelsen Stockholm (2020–2025)
The solution
Three steps. Then you're always ready.
01 / Risk assessment
Approve your risk assessment
Assess your firm's AML risk and approve it. Everything else builds on this foundation.
General risk assessment2026
02 / AML manual
Review and approve the manual
Your AML manual builds on the risk assessment. You review and approve — it becomes your policy document.
C1 — General risk assessment
C2 — Know your customer (KYC)
C3 — Monitoring and review
C4 — Reporting to the FSA
C5 — Staff training
03 / Client due diligence
Add your clients
Every client gets due diligence linked to the same risk assessment and manual.
KYC caseIn progress
Identity & owners
Documents & assessment
Three approved parts — linked to each other.
The same requirements. A fraction of the manual work.
Per client onboarding — typical manual process vs. Qapla. The compliance steps stay; the duplicate work goes.
| Process step | Other firms | Qapla |
|---|---|---|
| Fetch company information | 5–10 minutes | < 5 seconds |
| Read/parse documents (PDF, Word, Excel) | 10–20 minutes | ~10 seconds (AI) |
| Check PEP and sanctions lists | 5–15 minutes | ~2 seconds |
| Create risk assessment (template + analysis) | 15–30 minutes | Automatic, instant |
| Add follow-up reminder | Manual in calendar | Automatic |
| Total time per client | 35–75 minutes | < 1 minute |
Why Qapla
Compliant when someone asks. Less work every week.
Two things every firm wants — from the same linked system. Works alongside Visma, Fortnox, or any platform.
Stay compliant
02
Always inspection-ready
No chasing Word files. Everything you need to show is collected and tracked.
03
Justifications that hold up
Ticking boxes isn't enough. Assessments and wording need to stand up when someone reviews them.
Save time
04
Less administrative burden
Versioning and documentation handled automatically. Your team focuses on client work, not paperwork.
05
Enter once, use everywhere
Risk assessment, manual, and client due diligence share the same foundation. No copying between systems.
06
Stay current without the chase
When regulations or client circumstances change, you see what needs updating — without hunting through files.
Plans & pricing
Start with one month free. No commitment.
One platform. Every feature. 24 SEK per active client per month.
Pricing
The full AML platform for your firm
24 SEK/client/month
Every feature · no minimum fee
- All AML features
- Pay per active client
- No minimum fee
- PEP screening and audit trail included
Get started
Try free
Build your compliance foundation right away
Free for 1 month
Then 24 SEK/client/month
- Create your firm-wide risk assessment
- Create your AML manual
- No credit card · No commitment
- Cancel anytime
No credit card · No commitment · Cancel anytime · Prices excl. VAT
Need SSO, DPA, or dedicated onboarding? Contact us for Enterprise
Built on actual inspection decisions
Not assumptions: on how the County Administrative Board actually audits.
2020–2025
Decisions reviewed
29 authority cases analysed
We reviewed 29 closed County Administrative Board decisions (2020–2025) and mapped the most common deficiencies. The platform is built to close exactly those gaps.
8 / 8
Legal requirements met
All 8 controls covered
The AML Act requires 8 specific controls. Qapla covers all of them, including automatic PEP screening against EU, UN and OFAC lists.
100 %
Audit trail
Traceability the law requires
Every change, approval, and snapshot is saved automatically with date and signature. It's a legal requirement, Qapla handles it for you.
Inspection-ready in one working day.
Start free and build your AML structure step by step. No commitments: cancel whenever.
No credit card • No contract • Up and running today
Frequently askedquestions about AML
Questions come up. Here are the ones we hear most from Swedish accounting firms: honest answers without the jargon.
View all questionsYes. The platform covers all 8 mandatory controls under the Swedish AML Act, risk assessment, client due diligence, PEP and sanctions screening, AML manual, and audit trail. Built based on how the County Administrative Board actually audits, not how we assume they do.