Insights on Compliance, Risk & RegTech
Practical guidance from the One Constellation team — KYC, AML, transaction monitoring, sanctions, and the regulatory landscape that shapes them.
RegulationsEU AML Regulation (AMLR): What Changes on 10 July 2027
The EU AML Regulation (Regulation (EU) 2024/1624, the AMLR) applies from 10 July 2027, when the Fourth AML Directive is repealed; football agents and professional football clubs follow…
RegulationsUK Money Laundering Regulations 2026: What the Amendments Change
S.I. 2026/621 was made on 9 June 2026 and most of it has applied since 30 June 2026.
Know Your Business (KYB)How to Calculate Beneficial Ownership: Worked Examples
To find the ultimate beneficial owners (UBOs) of a company, trace every chain of ownership up to the natural persons at the top. For indirect holdings, the usual…
CryptoKYC in Crypto: Requirements for Exchanges and VASPs
KYC in crypto is the identity verification and due diligence that crypto exchanges and other virtual asset service providers (VASPs) carry out on their users. For a user,…
Know Your Customer (KYC)Biometric Authentication Methods: Types, Accuracy and Risks
Biometric authentication confirms a person's identity using a physical or behavioural characteristic instead of — or as well as — a password. The main methods are facial recognition,…
Know Your Business (KYB)What Is KYB? Know Your Business Verification Explained
KYB (Know Your Business) is the due diligence a regulated firm carries out on a business customer. It means verifying that the company exists and is legitimately registered,…
Know Your Customer (KYC)KYC Checklist: Documents and Steps for Customer Onboarding
A KYC checklist sets out what to collect and verify before onboarding a customer. For individuals: identify the customer (full name, date of birth, nationality, address, ID number);…
Know Your Customer (KYC)Database Verification: How Electronic Identity Checks Work
Database verification — also called electronic identity verification (eIDV) — confirms a customer's identity by matching the name, address and date of birth they provide against independent, reliable…
Sanctions ScreeningPayment Screening: How Sanctions Checks on Payments Work
Payment screening (also called transaction screening) checks the parties, banks, countries and free-text fields in a payment message against sanctions lists before the payment is executed, so that…
