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 Beneficial Ownership Reporting (CTA): What’s Changed in 2026
The US Corporate Transparency Act and FinCEN's Beneficial Ownership Information (BOI) registry have moved through court rulings, an interim final rule in March 2025 and a final rule…
RegulationsFATF Grey List 2026: Current Jurisdictions & Risk Implications
The FATF Grey List of jurisdictions under increased monitoring is a key input to every regulated firm's country risk. This guide covers the list after the June 2026…
RegulationsAUSTRAC Tranche 2 Reform 2026: What It Means for Non-Financial Businesses
Australia's Tranche 2 reform extends AML/CTF obligations from financial institutions to lawyers, accountants, real estate agents, conveyancers and high-value dealers, closing a long-standing gap with FATF baseline expectations.…
RegulationsTravel Rule Compliance: FATF Recommendation 16 for VASPs
FATF Recommendation 16 — the Travel Rule — extends originator and beneficiary information requirements from wire transfers to crypto-asset transfers. Implementation varies by jurisdiction, the sunrise problem persists,…
Regulations6AMLD Explained: Key Changes for EU Financial Institutions
6AMLD harmonized the criminal-law foundation of EU AML — broadening predicate offences, extending criminal liability to legal persons, and codifying aiding and abetting. With the EU AML Regulation…
RegulationsMAS Notice 626 Explained: AML/CFT Requirements for Singapore Banks
MAS Notice 626 is the principal AML/CFT obligation for banks operating in Singapore, supplemented by Notice 626A for branches of foreign banks. This guide walks through the structure,…
Financial CrimeMoney Mule Detection: Recruitment Patterns & Red Flags
Money mules are how criminal proceeds re-enter the financial system disguised as ordinary retail activity. This guide covers the three types of mules (witting, unwitting, complicit), how they…
Money LaunderingShell Company Red Flags: How to Spot Front Companies
Shell companies have legitimate uses and are the workhorses of money laundering structures. Distinguishing legitimate use from front-company abuse is one of the harder KYB calls compliance teams…
Money LaunderingSmurfing & Structuring: Detection Patterns for Compliance Teams
Structuring and smurfing are the foundational placement-stage typologies — and the controls regulators inspect first. This guide covers the definitional difference between the two, six recurring patterns, the…
