Swedish Police Authority releases a 2025 guide for Money transfer service providers, explaining how their services can be exploited for ML/TF, and spotlighting risks, red flags, and legal obligations

The guide explains how transfer services can be misused by criminal networks, outlines specific transaction red flags (such as unusual cash amounts, rapid structuring of funds, and transfers involving high‑risk jurisdictions), identifies suspicious customer behaviours and profiles, and highlights evolving risks including the blending of cryptocurrency with cash transfers. It also details compliance obligations under EU and Swedish AML laws — including customer due diligence, record‑keeping and timely submission of suspicious activity reports …