KYC/AML for cross-border PSPs - navigating varied global requirements?
For those operating PSPs with a significant cross-border client base, how are you approaching the increasingly fragmented KYC/AML regulatory landscape? The differences in requirements from one jurisdiction to another, particularly regarding beneficial ownership and source of funds, feel like a constant game of whack-a-mole. Are third-party solutions proving effective, or is in-house expertise becoming non-negotiable for real-time adaptation?
This is definitely a huge pain point. We've found that third-party solutions can handle a good chunk of it, especially for the more common jurisdictions, but there's always that edge case or new regulation that pops up requiring in-house legal and compliance to dig deeper.