Sanctions screening is the real-time process of checking every customer and transaction against global watchlists — OFAC, UN, EU, HMT. This guide explains how list matching works, why fuzzy logic is non-negotiable, and how to build a screening programme that catches real hits without drowning in false positives.
KYC is the regulatory process banks and fintech’s use to verify who their customers really are. This guide breaks down the four KYC steps, the laws behind them, and how modern teams automate identity checks without slowing down onboarding.
eKYC turns a multi-day paper-based onboarding flow into a five-minute mobile journey using ID document scanning, liveness detection, and database checks. This guide covers the four pillars of digital identity verification, regulatory acceptance worldwide, and how to choose an eKYC stack.
AML compliance can sink a fintech startup that builds it as an afterthought — or become a competitive moat for one that builds it right. This founder’s guide covers the pre-launch licence requirements, the five compliance pillars, and the build-vs-buy decisions every fintech faces.
An Ultimate Beneficial Owner is the natural person who ultimately owns or controls a business — typically anyone holding 25% or more. This guide covers UBO thresholds across jurisdictions, how to unwind layered corporate structures, and the documents that prove ownership.
Politically Exposed Persons carry elevated bribery and corruption risk, so regulators require Enhanced Due Diligence on every match. This guide breaks down the PEP categories, how long someone remains a PEP, and how to run PEP screening alongside sanctions checks.
When a customer’s behaviour doesn’t add up, regulated firms must file a Suspicious Activity Report to the Financial Intelligence Unit. This guide walks through what triggers a SAR, the filing process, deadlines, and the safe-harbour protections that come with it.
EDD applies when standard checks aren’t enough — politically exposed persons, high-risk jurisdictions, opaque ownership structures. This guide details the FATF triggers, the deeper documentation EDD demands, and how to execute it without paralysing onboarding.
Customer Due Diligence is the FATF-mandated process of identifying customers, understanding their risk, and monitoring them over time. This guide covers the three CDD tiers — simplified, standard, and enhanced — and the six steps every compliance team should run.
KYC checks people. KYB checks the companies behind them — directors, beneficial owners, and corporate structure. This guide explains where the two diverge, the unique risks of business onboarding, and how to run both processes in parallel.
