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)
Customer Due Diligence (CDD): The Complete 2026 Guide
Customer Due Diligence is the FATF-mandated process of identifying customers, understanding their risk, and monitoring them over time. This guide covers the three CDD tiers — simplified, standard,…
Know Your Business (KYB)
KYC vs KYB: Key Differences and When Each Applies
KYC checks people. KYB checks the companies behind them — directors, beneficial owners, and corporate structure. This guide explains where the two diverge, the unique risks of business…
Anti Money Laundering (AML)
Building a Risk-Based AML Programme: Step-by-Step Guide
A risk-based AML programme requires eight documented steps — from firm-wide risk assessment and CDD design through to transaction monitoring, sanctions screening, SAR processes, governance structures, and staff…
Regtech
Regulatory Technology (RegTech): What It Is and Why Banks Are Investing
RegTech encompasses technology solutions for KYC, AML monitoring, sanctions screening, and regulatory reporting. Banks are investing because the volume and complexity of compliance obligations has grown to a…
Financial Crime Risk Management (FCRM)
How Banks Are Using AI to Detect Financial Crime in 2026
Banks are applying AI across transaction monitoring, behavioral analytics, network analysis, and adverse media screening. AI does not replace rule-based systems regulators require — it augments them, improving…
Anti Money Laundering (AML)
AML Compliance in the Crypto Industry: FATF Travel Rule Explained
The FATF Travel Rule requires virtual asset service providers to obtain, verify, and transmit originator and beneficiary identity data alongside qualifying transfers — making it the most technically…
Transaction Monitoring
6 Signs Your Transaction Monitoring System Is Generating Too Many False Positives
A transaction monitoring system generating excessive false positives is not merely an operational inconvenience — it is a compliance failure. When analysts are overwhelmed by low-quality alerts, genuine…
Know Your Business (KYB)
KYC Onboarding Automation: How to Cut Drop-Off Rates by 40%
KYC drop-off is one of the most significant and least-discussed costs in financial services. Firms lose nearly half their prospective customers at the compliance gate — before a…
Compliance
How to Build a Compliance Programme from Scratch for Fintech Startups
Fintech startups must build a regulatory-grade compliance programme from day one of regulated activity. The FCA expects documented policies, a designated MLRO, CDD procedures, transaction monitoring, sanctions screening,…
