Insights on Compliance, Risk & RegTech
Practical guidance from the One Constellation team — KYC, AML, transaction monitoring, sanctions, and the regulatory landscape that shapes them.
Transaction Monitoring
Transaction Monitoring: The Complete Guide for AML Compliance
How AML transaction monitoring really works in 2026 — scenario design, alert workflows, false-positive reduction, and SAR escalation, explained for compliance teams.
Sanctions Screening
Sanctions Screening: How It Works and Why It Matters
Sanctions screening is the real-time process of checking every customer and transaction against global watchlists — OFAC, UN, EU, HMT. This guide explains how list matching works, why…
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…
Anti Money Laundering (AML)
AML Compliance for Fintech Startups: A Founder’s Guide
AML compliance can sink a fintech startup that builds it as an afterthought — or become a competitive moat for one that builds it right. This founder's guide…
Ultimate Beneficial Owner (UBO)
Ultimate Beneficial Owner (UBO): Identification and Verification Guide
An Ultimate Beneficial Owner is the natural person who ultimately owns or controls a business — typically anyone holding 25% or more. This guide covers UBO thresholds across…
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,…
Due Diligence (DD)
Enhanced Due Diligence (EDD): Triggers, Requirements, and Best Practices
EDD applies when standard checks aren't enough — politically exposed persons, high-risk jurisdictions, opaque ownership structures. This guide details the FATF triggers, the deeper documentation EDD demands, and…
