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 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…
Know Your Customer (KYC)
eKYC Liveness Detection and Biometric Verification Explained
Active vs passive liveness, ISO 30107-3 PAD levels, the deepfake threat model, and which eKYC methods regulators actually accept across MAS, RBI, eIDAS, and FinCEN.
Know Your Customer (KYC)
What is KYC? Know Your Customer Process Explained
KYC is the regulatory process banks and fintech's use to verify who their customers really are. This guide breaks down the four KYC steps, the laws behind them,…
Know Your Customer (KYC)
eKYC and Digital Identity Verification: The Complete Guide
eKYC turns a multi-day paper-based onboarding flow into a five-minute mobile journey using ID document scanning, liveness detection, and database checks. This guide covers the four pillars of…
Know Your Customer (KYC)
PEP Screening: Politically Exposed Persons Compliance Guide
Politically Exposed Persons carry elevated bribery and corruption risk, so regulators require Enhanced Due Diligence on every match. This guide breaks down the PEP categories, how long someone…
Know Your Customer (KYC)
What is a Suspicious Activity Report (SAR)? Complete Filing Guide for 2026
When a customer's behaviour doesn't add up, regulated firms must file a Suspicious Activity Report to the Financial Intelligence Unit. This guide walks through what triggers a SAR,…
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…
