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 […]
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, […]
Europe’s fight against financial crime has long been complicated by one simple fact: while the rules may be set at EU level, supervision and enforcement have remained largely national responsibilities. The result has often been inconsistency, with firms facing different […]
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 […]
For decades, compliance has operated as a rear-view mirror — periodic reviews, retrospective audits and manual checks designed to catch problems after they emerge. But modern finance is moving too fast for static oversight. As transactions accelerate, digital channels expand […]
There’s a quiet shift happening beneath the surface of financial service. It’s a move that is proving to be less about new tools arriving and more about old boundaries dissolving. RegTech, once framed as a distinct category of specialist vendors […]
AI is no longer peripheral – it is embedded in decision-making, risk, and control. As that shift accelerates, tolerance for ambiguity around accountability is collapsing. Regulators are no longer asking whether firms use AI, but whether they understand, control, and […]
Financial regulation has always been shaped by the boundaries it seeks to defend. Once, those boundaries were physical—bank branches, vaults, national borders. Then they became digital, defined by networks, firewalls, and systems. Today, those perimeters are dissolving. In their place, […]
For several years, perpetual KYC (pKYC) has been pitched as the next evolution of traditional KYC methods, but firms still have misconceptions around what it really means. Unlike traditional KYC methods that have static and periodic checks, pKYC focuses on […]
Regulation used to sit at the edges of the enterprise, tracked by specialist teams, interpreted periodically and pushed downstream into compliance, legal and risk functions. That model is starting to break. As regulatory change grows faster, broader and more complex, […]
