Insights on Compliance, Risk & RegTech
Practical guidance from the One Constellation team — KYC, AML, transaction monitoring, sanctions, and the regulatory landscape that shapes them.
Ultimate Beneficial Owner (UBO)
UBO Discovery: How to Unwrap Complex Corporate Structures
Ultimate beneficial owner discovery is the hardest part of KYB — and the part regulators inspect most closely. This guide covers the seven structures designed to obscure ownership,…
Know Your Customer (KYC)
How to Reduce KYC False Positives Without Increasing Risk
KYC false positives are the single biggest operational tax on compliance teams — but the wrong reduction strategy weakens screening. This guide explains the five root causes and…
Customer Onboarding
Customer Onboarding Best Practices for Banks (2026)
The bank onboarding journey is where compliance, customer experience, and operational cost collide. This guide covers the ten practices that banks running modern KYC onboarding in 2026 have…
Money Laundering
Trade-Based Money Laundering (TBML): Typologies, Red Flags & Detection
Trade-Based Money Laundering exploits the commercial trade system to move illicit value across borders — through over- and under-invoicing, phantom shipments, multiple invoicing, and front-company export schemes. FATF…
Crypto
MiCA Regulation Explained: Compliance Requirements for Crypto Firms in 2026
MICA — the EU's Markets in Crypto-Assets Regulation — is the world's first comprehensive crypto-asset framework. It introduces a unified authorization regime for Crypto-Asset Service Providers (CASPs), strict…
Anti Money Laundering (AML)
AML Compliance Checklist 2026: 25 Steps Every Regulated Firm Must Cover
An AML programme is only as strong as its weakest control — and weak controls are usually the ones nobody is monitoring. This 25-step checklist organises the obligations…
Money Laundering
The MLRO Role: Responsibilities, Reporting Lines & Personal Liability
The Money Laundering Reporting Officer is the only role in a regulated firm that carries personal regulatory liability for the AML programme. The MLRO decides whether to file…
Sanctions Screening
Adverse Media Screening: How It Works & Why Compliance Teams Need It
Adverse media screening searches the open and licensed information environment for risk signals about a customer — investigations, prosecutions, regulatory findings, sanctions adjacency, and reputational events. It sits…
Due Diligence (DD)
Source of Funds vs Source of Wealth: Documentation Standards Explained
Source of Funds is the origin of the specific money entering an account; Source of Wealth is the origin of the customer's entire net worth. Both are EDD…
