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Swedbank

Contact Centre Units Risk Map

Risk distribution across 8 contact centre units

Low
Medium
High
Critical
Contact Centre UnitComplianceFraudKYCScriptDisclosureAMLSentiment

Sweden (Stockholm - Sundbyberg)

Stockholm, Sweden

72
35
58
65
70
36
30

Estonia (Tallinn)

Tallinn, Estonia

32
75
68
25
35
78
28

Latvia (Riga)

Riga, Latvia

35
45
42
30
38
75
28

Lithuania (Vilnius)

Vilnius, Lithuania

25
72
35
28
32
38
22

Oslo

Oslo, Norway

30
28
32
22
28
26
24

Helsinki

Helsinki, Finland

28
22
30
18
25
24
20

Shanghai

Shanghai, China

22
20
28
18
25
22
18

New York

New York, USA

20
18
25
15
22
20
16

Compliance Health

87.5%
Overall Score

Expected Loss: 8.0M | Risk Level: HIGH

Consent & Disclosure (GDPR)
Stockholm, Sweden
4 voice flags
2 critical
84.0%
Weight: 30%
Recording disclosure within 10s78%
Legal basis explained82%
Data rights & retention mentioned86%
Transcript cues: Recording disclosure stated • Legal basis explained before processing • Rights & retention period communicated
Identity & CDD Questions (AML/KYC)
Tallinn, Estonia
3 voice flags
89.0%
Weight: 25%
Identity verification before account access90%
Purpose & expected activity questions87%
Beneficial ownership follow-up82%
Transcript cues: Two-factor identity challenge completed • Purpose of relationship clarified • Source of funds requested for high-risk calls
Sanctions & High-Risk Jurisdictions
Riga, Latvia
1 voice flags
91.0%
Weight: 20%
Sanctioned country mentions declined94%
Explanation of sanctions obligations90%
Escalation confirmation88%
Transcript cues: Restricted jurisdiction detected and declined • Customer informed of sanctions rationale • Escalation to compliance mentioned
Product Suitability & Risk Disclosure
Vilnius, Lithuania
2 voice flags
1 critical
86.0%
Weight: 25%
Needs assessment questions asked88%
Risk & cost disclosures84%
Right-to-cancel reminders83%
Transcript cues: Customer objectives discussed before recommendation • Risk warnings delivered verbatim • Cooling-off and complaint rights stated
Potential Fines
50M
Expected Loss
8.0M
Worst Case
50M

Workforce Watchlist

4 agents requiring attention

2 Critical2 High12.3M risk
SW
Sarah WilliamsAGT-1823
Critical Risk🇪🇺 EuropeVoice
5violations
40%
Script ViolationConsent
GDPR Art. 13 - Recording disclosure &…MiFID II Art. 25 - Suitability & risk…+1 acts
2 hours ago
View Details
MC
Michael ChenAGT-2451
High Risk🌏 APACChat
3violations
15%
KYC
AML/KYC - Identity verification befor…
5 hours ago
View Details
TA
TechServe Asia (Vendor)BPO-VN-089
Critical Risk🌏 APACEmail
4violations
25%
Data PrivacyThird-Party
GDPR Art. 5 - Data minimizationEU Outsourcing Directive - Vendor dat…
8 hours ago
View Details
PS
Priya SharmaAGT-2789
Medium Risk🇮🇳 IndiaTicket
2violations
10%
AML
AML Directive Art. 13 - Beneficial ow…
1 day ago
View Details