Banktjänstemännens beslutsfattande vid penningtvättshantering : En fallstudie om legitimitetsbalansen mellan Finansinspektionen och kunden

Money laundry has been a known problem for a long period of time and Swedish banks today have a responsibility to discover and report any suspicions about money laundry to the finance police, which requires extensive work and resources. It’s difficult to find practical solutions that suit both the customer and the bank while continuing to follow the law in a satisfactory way. A difficult situation arises when the bank is in between two important stakeholders and needs to balance their conflicting interests to keep the legitimacy against both of the stakeholders. The purpose of the study is to increase the bankers’ understanding of customers’ potential acting in evaluation situations when it comes to handling of money laundry. This is achieved by analysing the bankers’ decision-making in situations regarding money laundry by cognitions in the complex strive to create legitimacy toward both the Finance inspectorate and the customer. The interest lies in identifying and categorising factors that affecting the bankers’ decisions by developing a cognitive model. The study is a combination of both a quantitative and a qualitative method of research that has been approached by abduction. The study began with gathered empirical data from professional experience. Subsequently empirical data was gathered by the interviewing technique Repertory Grid with complementary classic interview question. The analysis and the conclusion show what factors have the greatest influence on a difficult and a simple situation involving handling of money laundry. By using Repertory Grid, we have identified two components:” risk of money laundry ” and ” important customer ” and from this, we have identified four different categories where the customer of the bank can be placed and how they are being handled in reality.The analysis model can be practically used by the bank to identify the risk of money laundering for its various customers. Inductive, the personality of the bank worker has been studied and it has been shown that confident and efficient individuals believe that few situations are difficult to handle and their decisions are mostly guided by cognitions. The bank workers with a careful personality more often make decisions based on rules. Two different people can experience a situation in different ways, while different people can interpret money laundering law in different ways. As new standards are developed, there will also be new cognitions. New standards meet resistance from old norms and cognitions of bank employees, the resistance is called cognitive dominance. It requires extensive work to implement the new standards. Another inductive streak in the study is the stereotypical filter where the bank workers cut corners in their decision making to be efficient in situations where efficiency is demanded. A consequence of the stereotypical decision making process might be that faulty decisions are made and that the wrong people are questioned for it, while the people that actually commit money laundry crimes aren’t punished. The conclusions focus on the factors that has shown to be the most significant and whether personality of a bank clerk can have significance to make a decision in a situation regarding money laundry.Validerat; 20160619 (global_studentproject_submitter