Insights on Compliance, Risk & RegTech
Practical guidance from the One Constellation team — KYC, AML, transaction monitoring, sanctions, and the regulatory landscape that shapes them.
Financial CrimeSanctions Evasion Red Flags: 12 Patterns Compliance Teams Miss
Designated parties do not put their own names on transactions. Sanctions evasion happens through front companies, transhipment, payment routing, and ownership obfuscation — patterns that name-matching screening cannot…
Sanctions ScreeningWatchlist Management: How Often Should You Rescreen Customers?
Single-snapshot screening at onboarding leaves the firm exposed to every list update made after the customer joined. This guide covers how often to rescreen customers, frequency calibration by…
Politically Exposed Persons (PEP)PEP Screening Best Practices: Identifying Politically Exposed Persons
PEP screening is one of the controls regulators scrutinize most aggressively — and one most firms execute inconsistently. This guide covers the four-tier classification model, Relatives & Close…
Sanctions ScreeningSanctions List Screening: OFAC, UN, EU, UK & MAS Compared
Every regulated firm must screen against sanctions lists — but the six major lists differ materially in scope, update cadence and extraterritorial reach. This guide compares OFAC, UN,…
Ultimate Beneficial Owner (UBO)UBO Discovery: How to Unwrap Complex Corporate Structures
Ultimate beneficial owner discovery is the hardest part of KYB — and the part regulators inspect most closely. This guide covers the seven structures designed to obscure ownership,…
Know Your Customer (KYC)How to Reduce KYC False Positives Without Increasing Risk
KYC false positives are the single biggest operational tax on compliance teams — but the wrong reduction strategy weakens screening. This guide explains the five root causes and…
Customer OnboardingCustomer Onboarding Best Practices for Banks (2026)
The bank onboarding journey is where compliance, customer experience, and operational cost collide. This guide covers the ten practices that banks running modern KYC onboarding in 2026 have…
Money LaunderingTrade-Based Money Laundering (TBML): Typologies, Red Flags & Detection
Trade-Based Money Laundering exploits the commercial trade system to move illicit value across borders — through over- and under-invoicing, phantom shipments, multiple invoicing, and front-company export schemes. FATF…
CryptoMiCA Regulation Explained: Compliance Requirements for Crypto Firms in 2026
MICA — the EU's Markets in Crypto-Assets Regulation — is the world's first comprehensive crypto-asset framework. It introduces a unified authorization regime for Crypto-Asset Service Providers (CASPs), strict…
