Stay ahead of compliance trends, regulatory updates, and industry best practices curated for modern fintechs.
FinCEN 314(b) allows financial institutions to voluntarily share information with each other to identify and report money laundering. This guide explains how it works, what protections it provides, and why fintechs should consider participating.
FinCEN 314(a) requests enable law enforcement to ask financial institutions to search their records for accounts linked to suspected criminals. This guide explains how 314(a) works, what fintechs must do, and how to build a response process.
AML and KYC are related but distinct compliance requirements. This guide explains the difference, how they work together, and what each one requires from your fintech.
AML typologies are documented patterns of money laundering behavior. Understanding them is essential for building effective transaction monitoring rules and recognizing red flags in your payment flows.
The SAR safe harbor protects financial institutions from civil liability when they file Suspicious Activity Reports in good faith. This guide explains how the protection works, what it covers, and how to preserve it.
Structuring — breaking up transactions to avoid the $10,000 CTR threshold — is a federal crime. This guide explains what structuring is, how to detect it in your payment flows, and what your fintech must do when you find it.
High-risk customers require enhanced due diligence and closer monitoring under AML regulations. This guide explains who qualifies as high-risk, why it matters, and what your fintech must do when you identify one.
AML risk scoring is how fintechs assign a risk level to each customer to determine how much due diligence is required. This guide explains how risk scoring works, what factors drive it, and how to build a model that holds up to regulatory scrutiny.
Not all unusual activity is suspicious — and the distinction matters legally. This guide explains the difference, how to document your decisions, and when you're required to file a SAR.