Insights on Compliance, Risk & RegTech
Practical guidance from the One Constellation team — KYC, AML, transaction monitoring, sanctions, and the regulatory landscape that shapes them.
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…
RegulationsCorporate Transparency Act: Where FinCEN BOI Reporting Stands in 2026
The US Corporate Transparency Act in 2026: FinCEN's final rule of 14 August 2026 exempts every US-formed company and every US person, so only foreign-formed companies registered in…
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…
