Marketing

The UK’s financial regulatory framework is entering another period of change, with implications that could extend well beyond the rules firms must follow. The Financial Services and Markets Bill is designed to modernise financial regulation, spanning regulatory oversight, authorisation, consumer protection and the wider regulatory framework. It is also estimated by the UK government to …

AI has become one of the biggest investment priorities in financial services, but enthusiasm for the technology has not necessarily translated into effective adoption. Many institutions are still dealing with fragmented data, legacy infrastructure and disconnected tools, while the capabilities of AI continue to advance at a remarkable pace. For some, early experiments have delivered …

Financial crime is becoming faster, more connected and increasingly difficult to detect through isolated compliance checks. As financial institutions add more AML, KYC, fraud and sanctions tools, experts warn that fragmented customer risk data could itself become vulnerable. For years, financial institutions have responded to increasingly sophisticated financial crime by adding another control, another screening …

Identity has become one of the most important fault lines in modern financial crime. As financial services move further into digital channels, the question is no longer simply whether a customer can provide the right documents, but whether a firm can establish that the person behind the digital identity is real. Synthetic identity fraud is …

KYC360 (a part of Experian) has established itself as a specialist RegTech provider focused on helping regulated businesses transform compliance from a regulatory obligation into a competitive advantage. Its end-to-end platform brings together client onboarding, AML screening, and customer lifecycle management (CLM).   Rather than treating compliance as the destination, KYC360 managing director Tom Devlin sees it as …

Prediction markets are moving from the fringes of finance into the mainstream, attracting growing interest from institutions, regulators and retail participants alike. But as these platforms blur the lines between trading, gambling and financial markets, they also raise difficult questions around compliance, market integrity and regulatory oversight. As activity accelerates, firms must determine whether existing …

Regulation has always been written for humans. Lawyers interpret it, compliance teams translate it into policies and controls, and firms spend months implementing new requirements. But as financial services become increasingly digital, that process is starting to look slow, expensive and increasingly out of step with the systems it is designed to govern.  This has …

Know Your Customer has operated as a series of fixed moments for a long time. Starting with verifying a customer at onboarding, reviewing them periodically, and intervening when something appears to have changed. But financial crime rarely unfolds according to scheduled review cycles. Corporate structures evolve overnight, sanctions lists shift daily, and customer risk profiles …

Beneficial ownership has long been one of the most challenging aspects of anti-money laundering, but the task is becoming significantly more complex. Multi-layered corporate structures, cross-border entities, trusts and nominee arrangements can obscure who ultimately owns or controls an organisation, making it increasingly difficult for financial institutions to distinguish legitimate complexity from deliberate concealment. As …

For decades, KYC has been a cornerstone of financial crime compliance. Verify a customer’s identity, assess their risk and review them periodically. It is a model built around a simple assumption: that risk changes slowly. Today’s financial system tells a different story. Customers can onboard in minutes, move money instantly and change their risk profile …