Insights on Compliance, Risk & RegTech
Practical guidance from the One Constellation team — KYC, AML, transaction monitoring, sanctions, and the regulatory landscape that shapes them.
Due Diligence (DD)Correspondent Banking Due Diligence and the Wolfsberg CBDDQ
Correspondent banking concentrates risk: you are providing services to an institution whose customers you never see. This guide covers the Wolfsberg CBDDQ, the nested relationship problem, how to…
ComplianceAML Training: What Regulators Expect Beyond Completion Rates
Training is one of the pillars of an AML programme and the one most often reduced to an annual completion statistic. Examiners increasingly test whether training is matched…
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…
RegulationsUK AML Compliance: MLR 2017 and What the FCA Expects
The UK AML regime is assembled from several instruments at once: MLR 2017 sets the preventative obligations, POCA creates the reporting duties and criminal offences, the FCA supervises…
ComplianceAML Internal Audit: A Third-Line Testing Checklist
First-line checklists confirm the work was done. Third-line audit asks whether the control would have caught what it was designed to catch. This guide covers risk-based scoping, sampling…
ComplianceHow to Prepare for an AML Regulatory Examination
An examination tests whether your programme does what your documents say it does. This guide covers the standard document request, how examiners test a risk-based approach, the findings…
Risk ManagementThe AML Enterprise-Wide Risk Assessment: Method and Template
Every AML programme is required to rest on a documented risk assessment, and most firms produce one that would not survive a determined examiner. This guide covers the…
Know Your Customer (KYC)Perpetual KYC (pKYC): Replacing the Periodic Review Cycle
The periodic review cycle is an artefact of a time when refreshing a customer file meant posting a form. Perpetual KYC replaces the calendar with a trigger: the…
Anti Money Laundering (AML)What AML Compliance Actually Costs: A Budget Model for 2026
Most AML budget conversations start with a vendor quote and work backwards. That is the wrong direction. This guide builds the cost of a compliance programme from its…
