Generated by All in One SEO v4.9.9, this is an llms.txt file, used by LLMs to index the site. # Howart Compliance Knowing how is an art ## Sitemaps - [XML Sitemap](https://howart.com/sitemap.xml): Contains all public & indexable URLs for this website. ## Indlæg - [Howart Compliance hjalp Zen Finans med å sikre konsesjon for låneformidling](https://howart.com/howart-compliance-hjalp-zen-finans-med-aa-sikre-konsesjon-for-laaneformidling/) - Zen Finans har nylig oppnådd konsesjon for låneformidling fra Finanstilsynet, i henhold til den nye Låneformidlingsloven. Vi i Howart Compliance er stolte av å ha spilt en nøkkelrolle i å støtte Zen Finans gjennom hele prosessen og sikre at de oppfylte de kravene som loven stiller. Effektiv og verdiskapende compliance med Howart Hos Howart Compliance - [Reflections from a breakfast seminar on AI in Banking and Finance](https://howart.com/reflections-from-a-breakfast-seminar-on-ai-in-banking-and-finance/) - We had the pleasure of participating on BankShift Breakfast seminar at the top of the Schibsted building a wonderful spring morning last week. It was very interesting to see and hear where and how the banks and insurance companies in Norway are carefully exploring the opportunities that arise from introducing AI in the day-to-day business. - [REFLECTIONS FROM STOCKHOLM FINTECH WEEK](https://howart.com/reflections-from-stockholm-fintech-week/) - In addition to the “usual suspects” I found a very interesting and important participant with a well visited stand, Finansinspektionen – The Swedish FSA. #Finansinspetionen #Finanstilsynet I had several talks with them, and their stand was always crowded which indicate that there is a huge demand and wish from the Fintech industry as well as - [Vurderer du konsesjon ?](https://howart.com/vurderer-du-konsesjon/) - Konsesjon behøver ikke være krevende, ta lang tid eller koste mye penger. Vi har vært involvert 35-40 konsesjonsprosesser i Norge, Norden og Europa de siste årene og har utviklet en meget forutsigbar og effektiv modell og prosess for dette. - [Howart Compliance in the Media](https://howart.com/howart-compliance-in-the-media/) - Howart Compliance have entered the Norwegian debate in the media about the State of the Fintech industry. Joar Langeland is sharing some valuable insight on how to succeed with a FSA application - [New webpage!](https://howart.com/new-webpage/) - Welcome to our new webpage. One is always amazed at how long it takes to make a new website. We have had a company to help us build the website, but we had to (of course) create content ourselves. Now that the page is ready, we think it is a good result, but would love - [Fintech mentorship](https://howart.com/hello-world-2/) - As trusted advisor among fintech companies in the Nordics, Howart Compliance supports several fintechs in strategy and business model development while enabling them to balance governance, risk & compliance with the challenge of running their business and driving growth. Our partners also provide guidance as mentors in different fintech accelerator programmes and share their experience - [What an event!](https://howart.com/what-an-event/) - Our team was present last week during three days of exciting track races, watching the world elite compete during Howart Compliance Women's 3-days - [Fintech rapporten](https://howart.com/hello-world-4/) - Stor takk til våre venner og samarbeidspartnere i Ontogeny for samarbeidet med å utarbeide denne Fintech rapporten. Også en stor takk til Dag Arne Kristensen i Finansforbundet som gav oss oppdraget med å utarbeide rapporten og Takk til Vidar Nordtømme som gav oss mulighet til å presentere den for rundt 70 interesserte i Finanstilsynet (FSA - [Statsadvokaten for Særlig Kriminalitet](https://howart.com/statsadvokaten/) - En ny statsadvokatur, Statsadvokaten for Særlig Kriminalitet, erstatter fra 1. januar 2022 Statsadvokaten for Særlig Økonomisk og International Kriminalitet (SØIK). Den nye statsadvokatur skal styrke kampen mod den alvorlige økonomiske, organiserede og it-relaterede kriminalitet sammen med politi og anklagere i den nye National enhed for Særlig Kriminalitet, NSK. I Howart Compliance følger vi nøje nationale - [Global Compact Network](https://howart.com/hello-world-6/) - We are proud to be a member of the Global Compact Network ## Sider - [Home](https://howart.com/) - Knowing how is an art Howart Compliance is a leading compliance and regtech consulting firm ​in the Nordics We provide operational advisory, innovative solutions and extensive expertise Our mission is to keep compliance efficient, operational and value-adding See services Expertise & Industry Insight Governance & Compliance​FSA ApplicationInterim & OutsourcingRisk & Capital ManagementRegulatory SupportAML & CTFSustainabilityData - [Whistleblower Solution](https://howart.com/whistleblower/) - Whistleblower Solution Contact us Whistleblower At Howart Compliance, we have developed a whistleblower platform that is both easy and intiuitive to use. Furthermore you are able to comunicate anonusly with the whistleblower. The system is encrypted in a way that protects the user, his IP and information in general. The solution meets both European and - [Join us](https://howart.com/join-us/) - Join us Become part of tomorrow’s compliance and regtech. At Howart, we believe that the path to success is talent and interest in what you do. Both in terms of talent and interest, these are not static elements in one’s work careers but rather something that develops over time.We believe that the best match is - [Updates](https://howart.com/updates/) - Updates Knowing How is an Art… and an obligation to share… All Howart Regulation Sector news - Denmark Sector news - Norway Sector news - Sweden Uncategorized All All Howart Regulation Sector news - Denmark Sector news - Norway Sector news - Sweden Uncategorized Howart Compliance hjalp Zen Finans med å sikre konsesjon for låneformidling - [E-learning](https://howart.com/e-learning/) - E-learning Contact us Howart University - a window of opportunities - Howart University offers an advanced online training platform for corporate training and compliance with various complex regulations. Courses are available for a variety of topics across multible languages. Users are given freedom to complete courses using the method best suited to meet his/hers individual learning preferences.Howart University combines expert legal knowledge, extensive knowhow - [Open Banking](https://howart.com/open-banking/) - Open Banking Contact us Regulatory Support Our industry experts are on top of the latest and upcoming legislations. We provide assistance clients across the financial sector and offer regulatory updates. We provide a broad variation of support packages from monthly updates or quarterly reports to annual reviews and regulatory workshops. Gap Analysis We assist both - [Regtech](https://howart.com/regtech/) - Regtech Contact us Howart Compliance is a leading Nordic regtech and compliance consulting firm We provide management and operational advisory with a focus on innovative solutions and extensive expertise Our ambition is to keep compliance simple, efficient and operational Regtech Our industry experts are on top of the latest and upcoming legislations. We provide assistance - [Data Protection (GDPR)](https://howart.com/gdpr/) - Data Protection Contact us According to GDPR Enforcement Tracker the largest GDPR fine yet given was Amazon Europe Core S.à.r.l. for non-compliance: EUR 0 Data Protection All companies that process personal data must comply with the General Data Protection Regulation (“GDPR”), in a manner adapted by the business. GDPR places great demands on each organization - [Sustainability](https://howart.com/sustainability-esg-sdg/) - Sustainability Contact us Sustainability There is an increased demand on the financial market to identify sustainability risks, as well as investing in sustainable solutions. New regulations can be expected within the area of sustainability. The regulations will entail new demands for the companies within the financial sector to measure and account for risks related to - [AML & CTF](https://howart.com/aml-ctf/) - AML & CTF Contact us AML The estimated amount laundered globally each year is 2-5% of global GDP. That is somewhere between USD 800 billion and USD 2 trillion. This is just a low estimate. Money laundering is often linked to activities such as smuggling, illegal arms sales, embezzlement, insider trading and bribery. But it - [Risk & Capital Management](https://howart.com/risk-capital-management/) - Risk & Capital Management Contact us Risk Management Risk management is a demanding and complex discipline that requires expertise, a dedicated effort and sufficient resources to implement adequate business processes, comply with increasingly complex legislation and mitigate risks.At Howart Compliance, we assist our clients in balancing between regulatory requirements and business considerations within the scope - [Regulatory Support](https://howart.com/regulatory-support/) - Regulatory Support Contact us Regulatory Support Our industry experts are on top of the latest and upcoming legislations. We provide assistance clients across the financial sector and offer regulatory updates. We provide a broad variation of support packages from monthly updates or quarterly reports to annual reviews and regulatory workshops. Gap Analysis We assist both - [Interim & Outsourcing](https://howart.com/outsourcing/) - Interim & Managed Services Contact us Managed services We offer managed services to outsourcing solutions within compliance and risk management. Our experts can maintain your internal control and support functions and with the unique operational experience from several of the most demanding functions, including Compliance, Risk Management, Risk Control and Data Protection Officer (DPO), our - [FSA Application](https://howart.com/fsa-application/) - FSA Application Contact us License Applications At Howart Compliance, we offer extensive expertise and experience to support you before, during and after the application process. Our experts have the operational industry experience from several successfully approved FSA licenses for banks, financing companies, payment institutions and investment firms.We can assist you in the entire process and - [What we do](https://howart.com/compliance/) - What we do Contact us We are experts within GRC Governance At Howart Compliance, we work actively to optimise business processes for you, enabling compliance with new regulatory frameworks and compliance with applicable legislation at all times.We provide advisory based on extensive industry insight and operational experience to create agile, tailored solutions for you, ensuring - [Governance & Compliance](https://howart.com/governance-risk-compliance/) - Compliance & Governance Contact us Compliance Compliance covers the discipline of complying with applicable regulatory frameworks. At Howart Compliance, we are a team of compliance experts with extensive experience from financial services across the Nordics and from a broad range of complex consulting engagements.We help our clients identify and mitigate risks and weaknesses in their - [Who we are](https://howart.com/our-team/) - Who we are Leading GRC advisory experts in the nordics Howart Compliance Howart is an advisory services firm within the financial service sectorspecialized in financial regulations, compliance, risk management and governance. Howart was founded inCopenhagen in 2016 and has since grown to become one of the leading GRC advisory expercts in the nordicsBy combining in-depth - [Privacy Policy](https://howart.com/privacy-policy/) - Privacy Policy - [Get in touch](https://howart.com/contact/) - Get in touch We are your partner in compliance across the nordics Copenhagen +45 31 31 74 52 info@howart.com Store Kongensgade 40H DK-1264 Copenhagen Oslo +47 48 40 60 62 info@howart.com Klingenberggata 7B (via Haakon VIIs gate) NO-0161 Oslo Stockholm +47 48 40 60 62 info@howart.com Folkungagatan 132c 116 30 Stockholm - [Services](https://howart.com/services/) - Our Services Knowing how is an art We offer competent advice, operational experience and insight into the latest regtech trends and solutions. It’s our priority to improve the efficiency of compliance, mitigate regulatory risks and reduce regulatory compliance costs. Our services Governance & ComplianceWe optimise business processes and empower compliance. 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