Insights on Compliance, Risk & RegTech
Practical guidance from the One Constellation team — KYC, AML, transaction monitoring, sanctions, and the regulatory landscape that shapes them.
RegulationsSingapore Fund Manager AML: MAS Notice SFA04-N02 Explained
MAS Notice SFA04-N02 sets the AML/CFT obligations of every capital markets services licence holder and certain exempt persons in Singapore. The current version is dated 30 June 2025…
RegulationsFinCEN AML Rule for Investment Advisers: Scope and 2028 Status
FinCEN's investment adviser rule makes most SEC-registered investment advisers (RIAs) and exempt reporting advisers (ERAs) "financial institutions" under the Bank Secrecy Act. They must run a risk-based AML/CFT…
RegulationsAccredited Investor: Definition and Requirements (2026)
The US accredited investor tests for individuals and entities, how funds verify status under Rule 506(c), qualified purchasers and qualified clients, and the equivalent rules in Singapore, Hong…
RegulationsSingapore AML/CFT Compliance Checklist (MAS Notice 626)
42 AML/CFT checks mapped to MAS Notice 626, from risk assessment and customer due diligence to suspicious transaction reports, with a downloadable Excel checklist.
RegulationsEU AML Regulation (AMLR): What Changes on 10 July 2027
The EU AML Regulation (Regulation (EU) 2024/1624, the AMLR) applies from 10 July 2027, when the Fourth AML Directive is repealed; football agents and professional football clubs follow…
RegulationsUK Money Laundering Regulations 2026: What the Amendments Change
S.I. 2026/621 was made on 9 June 2026 and most of it has applied since 30 June 2026.
CryptoMAS Payment Services Act: Crypto (DPT) Licensing Pathway
Crypto exchanges, brokers, custodians and transfer services in Singapore are licensed under the Payment Services Act 2019 (PS Act) as providers of a digital payment token (DPT) service.…
RegulationsMAS Notice PSN01: AML/CFT Requirements for Payment Service Providers
MAS Notice PSN01 is the principal AML/CFT obligation for payment service providers licensed in Singapore — the payments-sector counterpart to Notice 626. This guide covers the scope, the…
RegulationsMoney Transmitter AML Compliance: MTL, MSB Registration and BSA Obligations
Money transmitters carry a dual burden most guidance ignores: federal BSA obligations through FinCEN registration, plus a state-by-state licensing regime with its own examinations. This guide covers where…
