Insights on Compliance, Risk & RegTech
Practical guidance from the One Constellation team — KYC, AML, transaction monitoring, sanctions, and the regulatory landscape that shapes them.
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…
Know Your Customer (KYC)What Is Client Lifecycle Management (CLM)?
The stages of the client lifecycle from onboarding to offboarding, where KYC and ongoing due diligence fit, how CLM differs from KYC and CRM, and what to look…
Know Your Customer (KYC)Fund Subscription Documents: What’s in the Booklet
Each part of a fund subscription booklet explained: the subscription agreement, investor status questionnaire, tax forms, the AML and KYC section, and how a subscription is reviewed and…
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.
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…
Adverse Media ScreeningHow to Run an Adverse Media Search: A Step-by-Step Guide
How to run and document an adverse media search on a person or company: defining the subject, search strings, lookback, confirming matches, judging sources, recording the result, and…
CryptoMiCA CASP Authorisation After the Transition Period
The MiCA transitional period ended on 1 July 2026 in every Member State. This guide covers who needs CASP authorisation, the process, capital, AML duties and what ESMA…
