Insights on Compliance, Risk & RegTech
Practical guidance from the One Constellation team — KYC, AML, transaction monitoring, sanctions, and the regulatory landscape that shapes them.
Regulations
FinCEN Beneficial Ownership Reporting (CTA): What’s Changed in 2026
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,…
Regulations
FATF Grey List 2026: Current Jurisdictions & Risk Implications
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…
Regulations
AUSTRAC Tranche 2 Reform 2026: What It Means for Non-Financial Businesses
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…
Regulations
Travel Rule Compliance: FATF Recommendation 16 for VASPs
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,…
Regulations
6AMLD Explained: Key Changes for EU Financial Institutions
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…
Regulations
MAS Notice 626 Explained: AML/CFT Requirements for Singapore Banks
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,…
Financial Crime
Money Mule Detection: Recruitment Patterns & Red Flags
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…
Money Laundering
Shell Company Red Flags: How to Spot Front Companies
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…
Money Laundering
Smurfing & Structuring: Detection Patterns for Compliance Teams
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…
