Insights on Compliance, Risk & RegTech
Practical guidance from the One Constellation team — KYC, AML, transaction monitoring, sanctions, and the regulatory landscape that shapes them.
ComplianceAML Training: What Regulators Expect Beyond Completion Rates
Training is one of the pillars of an AML programme and the one most often reduced to an annual completion statistic. Examiners increasingly test whether training is matched…
ComplianceAML Internal Audit: A Third-Line Testing Checklist
First-line checklists confirm the work was done. Third-line audit asks whether the control would have caught what it was designed to catch. This guide covers risk-based scoping, sampling…
ComplianceHow to Prepare for an AML Regulatory Examination
An examination tests whether your programme does what your documents say it does. This guide covers the standard document request, how examiners test a risk-based approach, the findings…
ComplianceHow to Build a Compliance Programme from Scratch for Fintech Startups
Fintech startups must build a regulatory-grade compliance programme from day one of regulated activity. The FCA expects documented policies, a designated MLRO, CDD procedures, transaction monitoring, sanctions screening,…
ComplianceGDPR and AML: How Financial Firms Navigate Both Regulations
GDPR and AML obligations operate in parallel, not in conflict. Specific provisions in each framework govern their interaction, with legal bases under UK GDPR explicitly permitting personal data…
