Navigating the KYC/AML minefield for cross-border fintech services

Been pondering the perpetual challenge of KYC/AML, particularly for those of us operating across multiple jurisdictions. It feels like every time you get one country's regulatory framework mapped out, another one shifts the goalposts, or you onboard a new client type that triggers an entirely different set of checks. The operational overhead alone is enough to give an accountant nightmares, let alone the potential for red flags if you miss something. How are others in the Fintech Founders room approaching scalability in this environment? Specifically, for firms dealing with a global user base, are you leaning more towards highly specialized regional compliance teams, or seeing success with centralized, tech-driven solutions that attempt to harmonize varied requirements? The cost of getting it wrong makes me think there's no cheap answer, but I'm curious if anyone's found an elegant one.