Insights on Compliance, Risk & RegTech
Practical guidance from the One Constellation team — KYC, AML, transaction monitoring, sanctions, and the regulatory landscape that shapes them.
Know Your Business (KYB)
KYC vs KYB: Key Differences and When Each Applies
KYC checks people. KYB checks the companies behind them — directors, beneficial owners, and corporate structure. This guide explains where the two diverge, the unique risks of business…
Know Your Business (KYB)
KYC Onboarding Automation: How to Cut Drop-Off Rates by 40%
KYC drop-off is one of the most significant and least-discussed costs in financial services. Firms lose nearly half their prospective customers at the compliance gate — before a…
Know Your Business (KYB)
Manual vs Automated KYC: Why Financial Firms Are Switching
Manual KYC takes up to 14 days per customer, costs £200 per onboarding, and introduces inconsistency at every step. Automated KYC completes the same process in minutes, at…
Anti Money Laundering (AML)
The 5 Stages of Money Laundering Compliance Officers Must Know
The traditional three-stage model — placement, layering, integration — is necessary but insufficient. Compliance officers must also understand the predicate offence and the concealment mechanisms operating throughout the…
Know Your Business (KYB)
Customer Due Diligence (CDD) vs Enhanced Due Diligence (EDD): When to Use Each
Customer Due Diligence (CDD) vs Enhanced Due Diligence (EDD): When to Use Each CDD and EDD are not alternatives — they sit on a spectrum of due diligence…
Know Your Business (KYB)
PEP Screening Explained: What Compliance Teams Need to Know
A Politically Exposed Person holds a prominent public role that raises their money laundering risk and triggers Enhanced Due Diligence. Learn who qualifies, what FCA and FATF regulations…
Know Your Business (KYB)
KYC vs KYB: What’s the Difference and Why It Matters
KYC verifies individual customers while KYB verifies corporate entities, directors, and ultimate beneficial owners — two distinct processes with different regulatory requirements. Understanding the difference is fundamental to…
