Insights on Compliance, Risk & RegTech
Practical guidance from the One Constellation team — KYC, AML, transaction monitoring, sanctions, and the regulatory landscape that shapes them.
Risk Management
Customer Risk Rating: Building a Defensible Risk Matrix
How to build a customer risk rating model that scales — the four factor categories, weighted-additive vs matrix-based scoring, refresh triggers, and avoiding the implausible-distribution trap
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.
Suspicious Activity Report (SAR)
Suspicious Activity Reporting (SAR/STR): When to File and How
When the SAR filing obligation is triggered, how the no-tipping-off rule works in practice, and how filing mechanics differ across STRO, FinCEN, the NCA, and other major FIUs.
Anti Money Laundering (AML)
Reducing False Positives in AML Screening: How AI and ML Actually Help
Cut false-positive volume by 60–85% without missing genuine alerts. Scenario tuning, secondary-identifier matching, contextual scoring, and supervised ML explained for compliance teams.
Anti Money Laundering (AML)
The Risk-Based Approach to AML: What Regulators Actually Expect
What FATF Recommendation 1 actually requires — firm-wide risk assessment, customer-level rating, and the five tests regulators apply to decide if a programme is genuinely risk-based.
Crypto
Crypto AML Compliance and the FATF Travel Rule for VASPs
Travel Rule implementation, VASP identification, crypto-specific typologies, and how compliance differs across MAS, MiCA, FinCEN, and the FCA.
Ultimate Beneficial Owner (UBO)
Ultimate Beneficial Owner (UBO) Verification: A Complete Guide
How to identify and verify Ultimate Beneficial Owners — the 25% threshold, multi-layer ownership unwrapping, global registers, and the most common UBO compliance failures.
Anti Money Laundering (AML)
MAS Notice 626 and Singapore AML Compliance: A Practical Guide
A practical walk-through of MAS Notice 626 and the parallel notices for capital markets, payment institutions, and trust companies — plus post-2023 MAS supervisory expectations
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.
