Join the Community

23,489
Expert opinions
41,326
Total members
341
New members (last 30 days)
174
New opinions (last 30 days)
29,138
Total comments

Latest expert opinions

clear
clear
Steve Marshall

Steve Marshall Director of Advisory Services, at FinScan

Embedded Insurance, AI, and the Compliance Gap

The rise of embedded models and AI-powered automation across the insurance industry marks a step-change in the sector’s evolution. But strip away the excitement and promise of digital transformation, and a widening compliance gap is revealed—one many insurers are struggling to close. Pressure to digitally transform comes, in part, from a need to m...

/ai /regulation Exposing Financial Crime

Steve Marshall

Steve Marshall Director of Advisory Services, at FinScan

Sanctions Evasion and the Growing Threat of Transnational Criminal Organizations

Russian-related sanctions may have dominated the financial crime landscape over the last three years, but in the US, we’re seeing increasing regulatory focus on another threat category: transnational criminal organizations (TCOs) and cartels. As with Russian sanctions, not only do the TCOs and cartels themselves pose potential sanctions risks, bu...

/regulation /crime Exposing Financial Crime

Steve Marshall

Steve Marshall Director of Advisory Services, at FinScan

Unmasking Kleptocrats: Why Ownership and Control Are Key to Mitigating AML and Sanctions Risk

Tackling sanctions evasion can often be likened to patching a leaky boat. As one hole is patched, another opens. This is particularly the case when dealing with kleptocrats. Kleptocracy is when government officials and other powerful individuals exploit and steal a country’s wealth and resources from its citizens. Kleptocrats may be subject to san...

/regulation /crime Exposing Financial Crime

Steve Marshall

Steve Marshall Director of Advisory Services, at FinScan

Tackling Financial Crime at Speed: How to Adapt to a Faster, More Complex Payments World

Demand for digital payments continues to hit new heights, sparking a wave of payment innovation to meet demand. Meanwhile, the shift to real-time payments means more transactions are settled faster than ever. This new payments landscape can deliver enormous benefits but also opens the door to new financial crime (FinCrime) risks. Regulated instit...

/payments /crime

Steve Marshall

Steve Marshall Director of Advisory Services, at FinScan

KYC and Adverse Media Screening: Unearthing Hidden Risks

Know Your Customer (KYC) remains the cornerstone of identifying potential reputational and financial risks, but as information sources become increasingly diverse, traditional KYC verification methods might no longer be enough. Enter adverse media screening—the unsung hero of KYC that strengthens anti-money laundering (AML) defenses and helps busi...

/regulation /crime Exposing Financial Crime

Steve Marshall

Steve Marshall Director of Advisory Services, at FinScan

AML in 2024: Geopolitics, Regulation, and Data

Increasing geopolitical instability, regulatory developments, and technological advances are set to contribute to a rapidly changing anti-money laundering (AML) landscape in 2024. Here, we look at each of these key themes in more detail. Geopolitical instability Geopolitical instability, particularly the Israel-Gaza war, will have huge ramification...

/regulation /crime RegTech

Steve Marshall

Steve Marshall Director of Advisory Services, at FinScan

FinCEN’s Beneficial Ownership Information Rule is Coming…But Questions Still Remain

Since January 1, 2024, the U.S. government now requires many firms to report information about who ultimately owns and controls them as an effort to ‘make it harder for bad actors to hide or benefit from their ill-gotten gains through shell companies or other opaque ownership structures’. The new requirement is enforced through the Beneficial Owne...

/regulation /crime RegTech

Steve Marshall

Steve Marshall Director of Advisory Services, at FinScan

What haven’t we learned? The Binance money laundering debacle tells us there’s a long way to go

Those of us in the financial crimes compliance profession look at the current fiasco with Binance’s recent money laundering guilty plea (among many other accusations) and ask ourselves “How could this happen?” We believe that with contemporary policies, procedures, and technology, this could not happen. But it can—and does—when we forget that key ...

/regulation /crime

Now Hiring