The US Corporate Transparency Act and the FinCEN Beneficial Ownership Information (BOI) registry have moved through multiple court rulings and operational pauses. This guide covers the 2026 status, the current reporting obligations, what changed in the 2024 interim final rule, and how the regime intersects with FATF Recommendation 24.
The FATF Grey List — jurisdictions under increased monitoring for strategic deficiencies in their AML/CFT frameworks — drives EDD obligations across every regulated firm. This guide covers the current 2026 list, what listing actually means operationally, and how compliance teams should handle Grey List exposure in their customer base.
Australia’s Tranche 2 reform extends AML/CTF obligations from financial institutions to lawyers, accountants, real estate agents, conveyancers and high-value dealers — closing a long-standing gap with FATF baseline expectations. The reform takes phased effect from 2026 with implementation through 2027.
FATF Recommendation 16 — the Travel Rule — extends originator and beneficiary information requirements from wire transfers to crypto-asset transfers. Implementation varies by jurisdiction, the sunrise problem persists, and three major messaging protocols compete. This guide covers what compliance teams need to know operationally.
6AMLD harmonized the criminal-law foundation of EU AML — broadening predicate offences, extending criminal liability to legal persons, and codifying aiding and abetting. With the EU AML Regulation and AMLA now layered on top, understanding 6AMLD’s continuing role is essential for compliance teams.
MAS Notice 626 is the principal AML/CFT obligation for banks operating in Singapore, supplemented by Notice 626A for branches of foreign banks. This guide walks through the structure, the customer due diligence and EDD requirements, the transaction monitoring and STR obligations, and what MAS actually inspects when assessing compliance.
Money mules are how criminal proceeds re-enter the financial system disguised as ordinary retail activity. This guide covers the three types of mules (witting, unwitting, complicit), how they are recruited, the account behaviour red flags that distinguish mule activity from legitimate retail banking, and the detection approach that actually works at scale.
Shell companies have legitimate uses and are the workhorses of money laundering structures. Distinguishing legitimate use from front-company abuse is one of the harder KYB calls compliance teams make. This guide covers 10 red flag patterns across address, ownership, operational and document indicators — drawn from FATF, FinCEN and Tax Justice Network case data.
Structuring and smurfing are the foundational placement-stage typologies — and the controls regulators inspect first. This guide covers the definitional difference between the two, six recurring patterns, the behavioural indicators that distinguish structuring from legitimate cash activity, and the limits of threshold-based CTR reporting alone.
Layering is the most operationally complex stage of money laundering — the part where proceeds are moved through transaction chains specifically designed to obscure their origin. This guide covers 10 layering patterns that recur in financial crime case data, with the detection signal for each and why pattern-based monitoring matters more than single-transaction rules.
