Insights on Compliance, Risk & RegTech
Practical guidance from the One Constellation team — KYC, AML, transaction monitoring, sanctions, and the regulatory landscape that shapes them.
Due Diligence (DD)Beneficial Owners of a Trust: Who Counts and What to Collect
The beneficial owners of a trust are all of its parties: the settlor, trustee, protector, beneficiaries and anyone else with ultimate effective control. There is no 25% threshold.
Due Diligence (DD)Enhanced Due Diligence Report: Contents and Template
What an enhanced due diligence report should contain, what the EU AMLR, UK MLR, MAS Notice 626 and FATF require EDD to cover, and a 12-section EDD report…
Due Diligence (DD)Correspondent Banking Due Diligence and the Wolfsberg CBDDQ
Correspondent banking concentrates risk: you are providing services to an institution whose customers you never see. This guide covers the Wolfsberg CBDDQ, the nested relationship problem, how to…
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…
Due Diligence (DD)Enhanced Due Diligence (EDD): When It’s Required and How to Apply It
When EDD is required, what source-of-funds and source-of-wealth investigation actually looks like in practice, and how to evidence enhanced due diligence to a regulator.
Due Diligence (DD)Customer Due Diligence (CDD): The Complete 2026 Guide
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,…
