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) is a Finnish gaming company established in 1966, and is committed to responsible gaming and social good. 

To ensure its workforce remains well-versed in anti-money laundering (AML) regulations, Paf turned to 91����ԭ��'s Training Solutions (VTS). With 91����ԭ�� VTS, Paf can deliver comprehensive, industry-specific compliance training tailored to its operational needs.

91����ԭ�� spoke to Sam Stenius, Risk Manager, Paf, to discuss why and how they implemented VTS at Paf. 

Challenge: Developing Internal Training to Protect Against AML Risk

As a gaming operator in a heavily regulated industry, Paf faced the challenge of ensuring consistent compliance knowledge across its workforce, so that both new and long-term employees have the latest information to protect against potential AML threats. 

This is not only a best practice - it is a compliance requirement. “It's a compliance issue from the core,” explains Stenius. “Generally, reporting entities have an obligation to train their personnel.” Regulations like the introduced stricter training mandates. 

Ultimately, training staff is a critical step in AML protection, says Stenius:  

“A lot of AML-related issues come from how well you have trained your personnel because, even with monitoring systems and other checks in place, very often issues arise from direct customer contact. In those situations, it's crucial that your staff has been well trained.”

_{-Sam Stenius, Risk Manager, Paf}

In-house vs. Outsourced Training 

While creating in-house training material was an option, Stenius wanted to ensure high levels of accuracy and clarity for all employees, which required expert input. 

Up-to-date insights: Paf turned to 91����ԭ�� because, as experts in global regulatory intelligence, 91����ԭ��’s team provides the latest information. ”91����ԭ�� stays up to date,” Stenius says, “And updates their material, depending on regulatory changes.”

Professional expertise: Stenius also explains that professionals specialising in writing training content can produce the best quality training: “It's always better to have something that a professional has made…I can write material that I understand, but someone who specialises in training can write material that makes sense to someone at any level, even those who are starting their careers or have never heard of AML.” 

Automated tracking: Furthermore, turning to a professional training solution helped to automate and track the training process. “One of the reasons why we wanted to implement VTS was because previously, my team manually sent out reminders to take the courses. But now, with 91����ԭ��, we get automation that helps quite a lot.” 

In addition to automated reminders, 91����ԭ�� creates an auditable trail of who has completed the courses and how they performed on the end-of-course quizzes. 

Solution: 91����ԭ�� Training Solutions

Paf chose 91����ԭ�� for its customisable and up-to-date training solutions, providing tailored courses that address the complexities of the iGaming industry, With 91����ԭ��, Paf can adapt the materials to reflect the specific legislative landscape of its Nordic markets.

Paf has implemented VTS for all employees, both in onboarding and every two years to refresh the training. In coordination with 91����ԭ��, they have also customised training specific for different teams and levels. Stenius explains, “someone who works customer contract contacts, compliance or legal might get more of an AML deep dive than someone who is in marketing, for instance.” 

This customisation has enabled Paf to get training ideal for its business and its employees.

"We’ve been a long-time 91����ԭ�� customer. Their team has been extremely helpful in adapting the material to suit our needs," Sam notes.

The Results

• Industry-Specific, and Jurisdiction-Specific Training: Unlike generalised training providers, 91����ԭ�� offers courses tailored to the unique challenges of the iGaming sector: “A lot of training from other vendors are very general, or quite banking-focused, but because we are in the gaming market, we get the training course from 91����ԭ�� which is more tailor-made to our needs.” said Stenius. 
• Expert-Developed Content: "Professional training material written by experts ensures it’s easy to understand for employees at all levels," Sam explains.
• Exceptional Support: "[Our account manager’s] responsiveness has been fantastic, often replying within minutes or by the end of the business day," says Sam.

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“I would recommend 91����ԭ�� training because of their great customer service, they are very flexible, and they stay up to date with regulatory changes."

_{-Sam Stenius, Risk Manager, Paf}

By partnering with 91����ԭ��, Paf has strengthened its compliance framework through effective, engaging, and continuously updated training. This proactive approach to regulatory education empowers Paf to confidently navigate the evolving regulatory landscape while prioritising responsible gaming.