Podcasts about aml kyc

James Bruni is the Managing director at GBGIDology, an industry leader in identity verification, AML/KYC compliance, and fraud management solutions that help businesses establish trust, drive revenue, and deter fraud. He oversees IDology's growth and innovation throughout the Americas while ensuring strategic alignment with global teams and enabling customers to seamlessly and securely verify identities […] The post James Bruni With GBG Idology appeared first on Business RadioX ®.

Ep #54 With David Caruso, Dominion Advisory Group In this episode of Regulatory Ramblings, David Caruso, a former U.S. Secret Service agent turned global financial crime fighter, shares insights from his 30-year journey in AML and financial crime compliance. With an impressive career, including time as chief compliance officer at Riggs Bank, David recounts his pivotal role in uncovering corruption scandals involving Equatorial Guinea and former Chilean dictator Augusto Pinochet. These investigations sparked significant U.S. regulatory and legal actions, influencing AML enforcement on a global scale. David reflects on the evolution of financial crime compliance, pointing to key regulations like the Bank Secrecy Act, USA PATRIOT Act, and FATCA. He critiques how the increasingly regulatory-driven focus has distracted AML teams from their primary mission. He also shares his concerns about international policy-setting bodies, such as the Financial Action Task Force (FATF), questioning whether new rules are truly effective in preventing financial crime or unintentionally stifling economic growth. The discussion wraps up with David's views on the limited success of sanctions against Russia, the potential of AI in AML/KYC compliance, and his policy recommendations moving forward. David Caruso is the founder and managing director of Dominion Advisory Group, helping banks across the U.S., Europe, and Asia navigate financial crime risk and compliance. With a background as a U.S. Secret Service agent and a degree from George Washington University, he has been at the forefront of shaping financial crime compliance since 1996, advising global institutions and building AML programs at major banks. For more details about the contents of this podcast, please visit: www.hkufintech.com/regulatoryramblingsHKU FinTech is the leading fintech research and education in Asia. Learn more at www.hkufintech.com.

In this 1-minute microcast, we announce the Leaders in Finance AML Event 2024. Are you ready to unravel the latest developments in the field of anti-money laundering? Join the unique gathering of financial crime fighters, including CEOs, regulators, top AML/KYC managers, and professionals in the field. It's a great opportunity to learn, share knowledge, and form or deepen relationships with key players in the AML domain. Don't miss it, because staying in the know is the best defense in AML. You'll find all the information at leadersinfinance.nl.

The proliferation of synthetic identities, which are fabricated identities created by combining real and fictitious personal information, has fuelled a surge in fraud across various industries. These synthetic identities are often used to open fraudulent accounts, obtain credit or loans, and engage in other illicit activities. The rise of artificial intelligence (AI) technology has exacerbated this issue, enabling criminals to generate highly realistic fake identities with ease, including fabricated names, addresses, and even biometric data like facial images and voice recordings.Organizations must adopt advanced techniques, such as behavioural analytics and biometric authentication, to detect and prevent synthetic identity fraud effectively. Failure to address this threat could result in substantial financial losses, damage to reputation, and erosion of customer trust.In this PodChats for FutureCISO, we are joined by Johan Fantenberg, Principal Solutions Architect, APJ, Ping Identity, to walk us through what synthetic identity is, how it is evolving with AI assistance, and measures CISOs can implement to counter the rising threat.1.       What are synthetic identities, how are they created, and who (businesses/industries) are threatened most by these?2.       Given all the experiences against fraud, all the technologies available today including AI-driven identity management solutions, and measures like AML/KYC, why should synthetic identities remain a concern for enterprises?3.       Why is it challenging to detect synthetic identities during the account creation process?4.       How can an organisation protect against synthetic identities created through the combination of legitimate and fake data?5.       How can behavioural assessment and bot detection techniques be used to identify and prevent synthetic identity fraud?6.       Who should be in charge of strategies to combat the threat of synthetic identity?

In deze speciale aflevering spreken we met Hennie Verbeek-Kusters (Hoofd van de FIU) over het vanochtend verschenen Jaaroverzicht 2023 van de Financial Intelligence Unit. Een greep uit de vragen die aan bod kwamen:Meer dan twee miljoen OTs, ongebruikelijke transacties, waarbij er twee instellingen zijn die 55% van al die OTs melden. En: één dossier bevat meer dan een kwart van alle VTs, verdachte transacties. Wat zeggen die cijfers nu eigenlijk? Alle meldergroepen zouden toch op dezelfde manier moeten melden? Wat zijn de kernboodschappen van dit Jaaroverzicht? De FIU moet eigenlijk meer feedback krijgen van de opsporingsinstanties en tegelijkertijd moeten de meldergroepen, o.a. de financiële instellingen, ook weer meer feedback van jullie krijgen. Correct? Is het lastig informatie te delen in de keten? 90% van de meldingen is o.b.v. subjectieve indicatoren. Hoe zit dat precies in elkaar, objectief versus subjectief? Financiële Instellingen stellen vaak de vraag aan jullie of ze nu zoveel mogelijk moeten melden of niet. Ik krijg het idee dat jullie liever zien dat er meer wordt gemeld dan minder. Correct? Waarom wordt er zo 'weinig' gemeld door notarissen, makelaars en accountants? Wat zijn de grootste uitdagingen voor de FIU? AMLR en AMLA: kan je aangeven wat dit voor Nederland betekent? Stel ik ben een AML/KYC-analist bij een bank. Wat zou je mij als tip willen geven? OTs versus VTs melden: een theoretisch debat of belangrijk?--> Volg de Compliance Adviseert Podcast via de Website en LinkedIn. ---> Compliance Adviseert wordt mede mogelijk gemaakt door Hyarchis, Deloitte, de Volksbank en Osborne Clarke.

Deze keer geen reguliere aflevering waarin we een CEO, hoogleraar, minister of toezichthouder interviewen, maar een extra aflevering en deze keer over het net verschenen Jaaroverzicht 2023 van de FIU, de Financial Intelligence Unit. Te gast is Hennie Verbeek-Kusters, het Hoofd van de FIU die ik uitgebreid mocht bevragen over dat Jaaroverzicht.    Totaal aantal meldingen 2023 

Sharpen Your Skills, Strengthen Your Impact: Sales & Business Development for AML/KYC Professionals Forget the stereotype of AML/KYC analysts solely focused on technicalities! This episode explores how honing sales and business development skills can significantly enhance your impact in the fight against financial crime. We delve into how these skills can empower you to: Communicate Effectively: Present complex findings persuasively, influencing colleagues and gaining buy-in for necessary actions. Build Trusting Relationships: Foster strong connections with internal stakeholders in compliance, legal, and other departments, leading to better collaboration. Negotiate & Educate: Confidently negotiate with clients on KYC/AML requirements and educate them on the importance of these procedures. By mastering communication, relationship building, and influence, you can become more than just an analyst. You can become a persuasive advocate within your bank, strengthening your team's effectiveness in preventing money laundering and fraud. This episode is a must-listen for AML/KYC analysts, transaction monitoring specialists, and anyone looking to elevate their impact in the financial crime arena!

Martin James Wallis has a deep understanding and vocation for thwarting financial crime. Currently, he serves as COO at financial crime consultancy FINTRAIL in Singapore. In that capacity, he supports FINTRAIL's efforts to provide practical and inclusive solutions in the global fight against financial crime.Before joining FINTRAIL, Martin enjoyed a 22-year career in the British Army's Intelligence Corps, holding various specialised intelligence and security roles in support of military operations worldwide – including being based in Northern Ireland and at the British Embassy in Beijing. He holds a degree in Global Business Management from Bournemouth University and an Executive MBA from Quantic School of Business and Technology.In this episode of Regulatory Ramblings, Martin shares more about his background, how he got into consulting and his family history of military service. He talks to host Ajay Shamdasani the types of personalities that do well in AML/KYC and financial crime compliance, how to manage and lead them to serve their greatest purpose, and how to handle the ego issues that often arise when overseeing capable, high achieving performers. Their conversation concludes on how ESG connects to financial crime and how solving such problems goes a long way toward fighting such transgressions. Martin stresses that such offenses are not a victimless matter.Regulatory Ramblings podcasts is brought to you by The University of Hong Kong - Reg/Tech Lab, HKU-SCF Fintech Academy, Asia Global Institute, and HKU-edX Professional Certificate in Fintech, with support from the HKU Faculty of Law.Find out more about us at: hkufintech.com/regulatoryramblingsHKU FinTech is the leading fintech research and education in Asia. Learn more at www.hkufintech.com.

Seth Hertlein, VP Global Head of Policy at Ledger, and Michael Mosier, Co-Fouder of legal boutique Arktourous, Build Exante - FinCEN, Treasury, and Chief Technical Counsel at Chainalysis join us on today's show to explain the modern financial surveillance apparatus. FATF, FinCEN, AML/KYC, OFAC...the blacklists, the greylists. How does it all work? Who makes the rules? ------

Met Karlijn Jeuring - Group Director KYC & Financial Crime bij Triodos Bank - spreken we onder andere over hoe het is om binnen een missiegedreven bank als Triodos Bank verantwoordelijk te zijn voor AML, het onboardingproces van nieuwe klanten en het belang van samenwerken in de AML keten. Welke uitdagingen kom je tegen bij het op uniforme wijze vormgeven van AML/KYC over meerdere landen? In hoeverre helpt jullie focus op een betere wereld hierbij? Welke stappen zetten jullie bij het onboardingproces van nieuwe klanten? Hoe selectief zijn jullie bij deze onboarding? In hoeverre hebben de nieuwe AML baselines daadwerkelijk impact in jouw praktijk? Hoe verloopt de publiek-private samenwerking op dit moment? Welke wensen heb je met betrekking tot AML? ---> Volg de Compliance Adviseert Podcast via de Website en LinkedIn.---> Compliance Adviseert wordt mede mogelijk gemaakt door Hyarchis, Partner in Compliance, Deloitte en de Volksbank.

Olivier is an entrepreneur, investor, and independent author. He wrote “The Way of the Intelligent Rebel” and blogs at Disruptive Horizons.The blog is about the disruption of the nation states by the internet and globalization and how to transform from a mono country to a netizen without borders.Olivier's journey started with Tim Ferriss' book "The 4-Hour Work Week", as a way to unbundle his life through entrepreneurship and digital nomadism.As a digital nomad, Olivier recommends the "Six Flag Theory" to become a mobile and sovereign individual protected from the overreach of extractive states.Olivier is also a history buff and started a 2-part series with ten principles from history about the disruption of large institutions by new technology. We also talk about AML-KYC financial regulations: they started with a noble goal, but have become an inefficient bureaucratic nightmare. It is estimated that the global compliance cost is $304bn per year but only managed to seize $3bn criminal funds.This episode is full of practical insights into how to start unbundling your life and join the movement towards the decentralization of governance. Get full access to Stranded Technologies at niklasanzinger.substack.com/subscribe

#крипта #bitcoin #defi DEFI 2023 - ТОТАЛЬНЫЙ AML и KYC ! ETF на БИТКОИН - КОГДА ? СКИДКА НА ЧАТ DEFI XXX HUNTERS - https://clck.ru/353yAC ► КРИПТО-ИНТЕНСИВ: AIRDROP - ВСЕ ЧТО НУЖНО ЗНАТЬ ! ИЛИ КАК ПОДНЯТЬ МИЛЛИОН ?! - https://clck.ru/34xFiX ► ПРОЙДИ КВИЗ И ПОЛУЧИ

Our latest podcast is a must for anyone interested in digital assets and cryptocurrencies. In this episode, partner Sara Hall from our London office talks to the CEO & Founder of JITA Digital Jerome Rousselot about the state of stablecoins. Sara is one of a number of Walkers partners in London who have built a leading practice specialising in digital assets from a Cayman Islands, Bermuda and BVI law perspective. Sara advises on the regulation of digital asset businesses, token issuances, NFTs, AML/KYC, and financial services more broadly. She was speaking to Jerome as a bonus episode of Walkers' regular We Talk Banking & Finance podcast, which focuses on themes and trends in offshore finance. You can listen to the episode below.

In this episode, the CEO and co-founder of Identity Pass, Lanre Ogungbe, shares the story behind the company and its mission to provide a world-class compliance and security infrastructure for Africa. The company offers a variety of products, including biometric authentication, data and document verification, and compliance and data security solutions. With over 1 million verifications processed since launch, Identity Pass charges between 10 and 20 cents per verification based on the number of endpoints a business connects to. Yemi discusses with Lanre about the differentiation of Identity Pass from other players in the AML/KYC compliance space, the challenges of acquiring business customers, and the potential for future growth and expansion. Subscribe to our podcast and share it with your friends and colleagues to stay up-to-date on the latest insights and stories from successful African entrepreneurs. Timestamp 00:00 - Intro 00:31 - Story from the Trenches 04:41 - What is Identity Pass? 07:11 - Innovations enabled by products Identity Pass offers 10:16 - Why does identity verification have so many players 15:51 - Dynamics within the the industry that allows for multiple companies 20:51 - Opportunities for players in the industry to share APIs 23:56 - How would a customer know Identity Pass is the right one for them 27:31 - How does wide range of business product create better outcomes for Identity Pass 32:15 - Interesting stats worth knowing 36:06 - Components that had to be put together to make Identity Pass work 41:30 - How much Identity Pass makes per business acquired 46:06 - Business Margin for Identity Pass 52:51 - What a typical sales cycle looks like 55:06 - How Identity Pass got it's first customer 56:56 - Stereotyped faced being seen as Gen Z 59:56 - Bull Case for Identity Pass 1:02:16 - Outro

In deze aflevering spreken we met Tom Loonen -  hoogleraar Financieel Recht en Integriteit aan de Vrije Universiteit - over onder andere de evolutie van Know Your Customer (KYC) en Anti Money Laundering (AML), de relevante ontwikkelingen voor de toekomst en de nieuwe KYC leergang aan de Vrije Universiteit.Hoe heeft KYC zich door de jaren heen ontwikkeld? In hoeverre was juridisering op dit gebied noodzakelijk om tot de gewenste verandering te komen? En leidt de focus op KYC tot een betere financiële dienstverlening? Waarom worden goed opgeleide KYC-specialisten nog belangrijker als gevolg van de risk based approach? Welke impact gaat AI hebben? In hoeverre is er voldoende aandacht voor de andere poortwachters, zoals notarissen, makelaars, warenhuizen, autohandelaren en accountants? En wat mag je eigenlijk verwachten van een private partij? Wil je meer weten over Tom Loonen zelf, luister dan de podcast Leaders in Finance.---> Volg de Compliance Adviseert Podcast via de Website en LinkedIn. ---> Compliance Adviseert wordt mede mogelijk gemaakt door Hyarchis, Partner in Compliance en Deloitte.

In this conversation I talk with Bryan Noller about security, regulation, AML KYC and similar topics. We also talk about sales, marketing and challenges of building a startup in this space. If you work in Cefi or Defi then this podcast episode is for you. Bryan is extremely experienced when it comes to sales and soft skills, he is currently the Head of Sales at Argos KYC. What is Argos? Argos KYC aims to provide a global online identity verification solution for KYC and AML screening. Finally, I don't run ads on my podcast. It would mean a lot if you can leave a review of this podcast on ApplePodcasts or share this podcast with a friend. You can connect with Bryan and Argos here- https://www.linkedin.com/in/bryan-noller/ https://www.argosid.one/ Join our Web3 Discord community - "https://discord.gg/2eJ7DVGcx6" Connect with me here - https://twitter.com/samkamani or https://www.linkedin.com/in/samkamani/ Friends of this podcast:- https://www.cookbook.dev/ (NoCode Smart contracts) --- Send in a voice message: https://anchor.fm/web3podcast/message

Our latest podcast is a must for anyone interested in digital assets and the digital economy. In this episode, partner Sara Hall from our London office talks to Founding Partner of Collider Ventures Adam Benayoun about Web3 and its regulation.   Sara is one of a number of Walkers partners based in London who have built a leading practice specialising in digital assets from a Cayman Islands and BVI law perspective. Sara advises on the regulation of digital asset businesses, token issuances, NFTs, AML/KYC, and financial services more broadly. She was speaking to Adam as a bonus episode of Walkers' regular We Talk Banking & Finance podcast, which focuses on themes and trends in offshore finance.  You can listen to the episode below.

As Head of Risk and Compliance at Vipps MobilePay, one of Europe's largest fintech companies, Silke Øverby knows that compliance is more than just a cost centre. Join us to learn how compliance functions can help improve customer satisfaction, boost customer loyalty, and reduce the chances of litigation - all while driving business growth.From this exciting episode, you'll learn:Strategies implemented to turn compliance into a driving force for growth (1:54 - 6:18)Balancing AML/KYC process in a fast-scaling business (6:18 - 8:46)Challenges faced in managing AML/KYC processes (8:46 - 11:14) Important KPIs for compliance departments (11:14 - 12:10) Biggest successes of Vipps MobilePay's risk & compliance team (12:10 - 13:37) Ensuring the compliance team remains agile (13:37 - 15:49) Changes to the compliance function & improvement to the Vipps MobilePay experience (16:00 - 17:13) Merging two compliance departments (17:13 - 19:50) Tone from the Top (19:50 - 21:27)Bringing compliance closer to the business function (21:27 - 23:29)The compliance bottlenecks, challenges, and opportunities in 2023 (23:29 - 30:30)Automating processes and decisions (30:30 - 32:54)Some great tips and tricks from Silke (32:54 - 36:13)Tune in and enjoy! Hosted on Acast. See acast.com/privacy for more information.

How is the verification industry evolving and why is simple KYC no longer sufficient to protect from fraud? View the full video interview here. Vyacheslav Zholudev, Co-founder and CTO at Sumsub, a customer-focused platform for identity verification and AML/KYC compliance. Vyacheslav brings unparalleled technical and entrepreneurial acumen to help Sumsub's development team reach complex goals effectively. His efforts are the reason why Sumsub has 99.996% uptime. Vyacheslav holds a Ph.D. in Computer Science from Jacobs University (Germany), with experience working as a solution architect at ResearchGate.

Jamil catches up with Malcolm Wright for this interesting and topical conversation. Malcolm Wright is Chief Compliance Officer at 100x Group. He was previously Chief Compliance Officer for Diginex in Hong Kong, and prior to that Revolut in London. In his earlier career, Malcolm held senior several leadership roles within Thomson Reuters' (now Refinitiv) anti-financial crime business, including overseeing the delivery of World-Check One, a leading risk intelligence platform to mitigate financial crime and sanctions risk. He also sat on the leadership team that brought the world's first KYC Managed Service to market. Malcolm speaks internationally on a variety of topics in particular the FATF Recommendations for Virtual Asset Service Providers (VASPs). He also sits on international committees including chairing the Advisory Council and AML Working Group at Global Digital Finance (www.gdf.io), an industry-led initiative in setting codes of conduct and best practices for the virtual asset industry . In this respect, Malcolm has led industry and regulator conversations regarding FATF Recommendations for VASPs as well as developing an industry AML Code of Conduct. Most recently, Malcolm co-founded and co-led the Joint Working Group for interVASP Messaging Standards (intervasp.org) that developed the widely-adopted IVMS101 message data standard for FATF 'travel rule' compliance. Malcolm is an Associate Fellow of the Royal United Services Institute's Centre for Financial Crime Studies in London (rusi.org). --- Support this podcast: https://anchor.fm/crypto-hipster-podcast/support

Niklas talks with Sean Pawley, CEO and Founder of Seshat Bank and Rasheed Griffith, COO and Chief Compliance Officer of Merkle Hedge.Sean has founded an API-first commercial bank for Latin America. He talks about his journey from East Africa to Central America, and how he uses the novel regulatory regime on Prospera Honduras to innovate in key areas for banking.Notably, he talks about the "Pawnbroker for All Seasons" model to risk management pioneered by Mervyn King (ex. Governor of the Bank of England) as an improvement over the "Lender of Last Resort" Model.Rasheed and Sean walk us through the most important international financial regulations such as AML-KYC laws, the Foreign Corrupt Practices Act (FCPA) and Securities Laws. These are key for finance entrepreneurs to understand when starting a new company.We learn how regulatory practice is often detached from material effectiveness, and how political incentives often lead to bad regulation. Better regulations, however, are needed for some key financial innovations to flourish.Rasheed, Sean and Niklas believe startup cities like Prospera Honduras can be the innovation needed to provide more innovation-friendly regulations.We invite you to join us on our mission to build the financial and governance systems of the future together on Roatan, Honduras, a beautiful Caribbean island on November 18-20: https://infinitafund.com/fintech2022Niklas on Twitter: https://twitter.com/NiklasAnzingerInfinita Fund Website: https://infinitafund.com/Discord: https://discord.gg/Z4H6UjbubK

AML/KYC

This is part 1 of our interview with Enrico Zelocchi, co-founder of the brand new Bitcoin only app Bitkipi, based in Switzerland and offering hassle free, no AML/KYC Bitcoin with dollar cost averaging and recurring buys for Bitcoiners in Europe, Bitkipi started as a passion project for Enrico and his co-founder Alessandro Arnodo, which they worked on during nights and weekends as a side project, and has now launched on Android and iOS to bring an easy way to acquire Bitcoin to the masses. ----------------------------------------------- Follow Enrico & Alessandro on social media: Enrico's Twitter: https://twitter.com/Zel2088 Alessandro's Twitter: https://twitter.com/vesparny Bitkipi's Twitter: https://twitter.com/Bitkipi Bitkipi: https://bitkipi.com/ Android: https://play.google.com/store/apps/details?id=com.bitkipi iOS: https://apps.apple.com/app/id1600263918 ----------------------------------------------- Welcome to the 45th episode of Bitrefill's To The Moon Podcast. To The Moon is Bitrefill's new weekly podcast to discuss Bitcoin, altcoins, adoption, news & current events, and all things crypto. Join host Lawrence Ray, along with Jerry Okai, and Ricardo Martinez, for a light-hearted and humorous weekly discussion about the latest developments in the crypto economy. ----------------------------------------------- Bitrefill is the largest crypto store since 2014!

Our experts provide an overview of evolving regulatory landscape in relation to AML/KYC as well as discussing the latest industry trends and practices for Asia based managers to best adhere with global and local standards through digital onboarding and outsourcing.

Former FT Alphaville Editor and founder of The Blind Spot, Izabella Kaminska joins the show. In this episode:  Izabella's pre-FT career Izabella's Polish ancestry and how that informed her monetary worldview Why Izabella was a skeptic about Bitcoin – and why she revisited her stance Izabella's interest in anacyclosis and cyclicality in political systems Jeremy Bentham and his views on utilitarianism Consequentialism and its influence on contemporary elite ideology What Covid-19 policies revealed about freedoms in the West The flaws inherent in bureaucracy Izabella's changing view on the politicization of finance The failure of AML/KYC rules in the West Reflections on the FT's Wirecard story Izabella's view on stablecoins and why she first compared them to Eurodollars Why stablecoins are mini central banks The paradoxes of Web3 and DeFi and the veil of decentralization Do crypto systems end up inherently recentralizing Why Central Banking is so obscure and difficult to penetrate Bitcoin narratives in the context of Bitcoin's apparent failure to be a real rates hedge Is gold genuinely a good inflation hedge? Are there Bitcoiners Izy pays attention to? Izabella's thoughts on Bitcoin ESG questions Is Bitcoin security worth paying for? Why Izabella is leaving the FT and starting the Blind Spot Learn about The Blind Spot and follow Izabella on twitter. Sponsor notes:  Compass Mining is the world's first and largest online marketplace for bitcoin mining hardware, hosting, and ASIC reselling. Start mining your own bitcoin by visiting compassmining.io

In Episode 14  we interview Amy Barbieri Co Founder and President of Vital4. When it comes to knowing your customers and key stakeholders, you can't afford to be in the dark.  Amy discusses Vital4's automated AML/KYC data tools analyze more than 6,000 global watchlists to help identify subjects involved in financial crimes, terrorism, or corruption.About Vital4:Vital4 is an Atlanta-based, woman-owned SaaS company dedicated to providing data solutions for due diligence, risk management, and global compliance – without the high prices, lack of transparency, and risks associated with legacy services. Learn More:https://vital4.net/

In part 2, Charlie Schumacher, Director of Corporate Communications at Marathon Digital Holdings, discusses the rapidly changing narrative surrounding Bitcoin mining and energy consumption, the truth about green energy and mining, Marathon's controversial experiment in mining a fully regulatory compliant, AML/KYC'd block, and the profitability of mining even in a bear market. ----------------------------------------------- Follow Charlie on social media: Twitter: https://twitter.com/charlieschu Marathon on Twitter: @MarathonDH Marathon's website: https://marathondh.com/ ----------------------------------------------- Welcome to the 36th episode of Bitrefill's To The Moon Podcast. To The Moon is Bitrefill's new weekly podcast to discuss Bitcoin, altcoins, adoption, news & current events, and all things crypto. Join host Lawrence Ray, along with Jerry Okai, and Ricardo Martinez, for a light-hearted and humorous weekly discussion about the latest developments in the crypto economy. ----------------------------------------------- Bitrefill is the largest crypto store since 2014!

Today we discuss the ongoing global crackdown and regulatory capture of crypto. We discuss why we will see a growing trend of AOPP and regulatory compliance software. Also discussed is the compliance of Monero to existing AML/KYC and why it will be evermore valuable. Enjoy!

Today we discuss the ongoing global crackdown and regulatory capture of crypto. We discuss why we will see a growing trend of AOPP and regulatory compliance software. Also discussed is the compliance of Monero to existing AML/KYC and why it will be evermore valuable. Enjoy!

*本集節目由「CRIF中華徵信所企業股份有限公司」贊助播出* 「沒關係就有關係，有關係就沒關係」，這句話代表著「金融業」AML 和 KYC 的精髓，今天的節目就要帶您了解，AML 和 KYC究竟是什麼？到底為什麼這麼重要？而「金融科技」又是如何讓 AML 和 KYC 更有效率的？所以今天這集，我們邀請到： ．CRIF 中華徵信所企業股份有限公司 郭曉薇 (Alice) 總經理 ．優利佳金融科技股份有限公司 張華平 (HP) 總經理 兩位來賓和我們一起聊聊如何運用CrediTech徵信科技降低企業之間交易的風險，從 AML 和 KYC的議題，了解整個金融業動輒得咎的痛點，讓「金融科技」的應用發展，開啟更全面的想像。 邀請大家到 FinTech Taipei官網，掌握各項FinTech Taipei重點活動， 也歡迎您持續收聽 FinTech Taipei Podcast 金融科技之聲。 Powered by Firstory Hosting

In this interview, coordinated with LA Blockchain Week, we feature Liliana Reasor of SupraFin, an app that uses propriety risk-management models to determine the best crypto portfolio for you, based on your risk appetite. One of the most common mistakes among those dipping their toe into #crypto is unnecessarily concentrating investments into a singular project, like #Doge, #Shib, #Litecoin, #Ethereum, or, even, #Bitcoin.There are so many different and compelling uses cases being attempted in a million different ways by these vastly different projects that it's in your best interest to have an crypto asset allocation model that sprinkles capital across projects that are promises which means:✅ A visible, prominent, and experienced team who regularly do speeches and speak with authority on the space and their project's chosen use cases.✅. Legal entities that support the project in jurisdictions that permit all such activities being explored and executed or, if they're going Western world facing, exhaustive AML/KYC measures to vet investors as accredited investors, coupled with having relationships with top--ideally white shoe--law firms that have opinion letters on all of their activities✅ Blockchain volume or TVL that is demonstrative of the quality of the project lead team, clearly demonstrating that wallet activity is legitimate and sustainable.✅ Daily Github commits, social media posts, and support response time under 24 hours.If you're in LA on December 7th, SupraFin is having a Crypto & Wine event, which are always informative and a lot of fun.https://lnkd.in/gFe-9VBn#crypto #portfolio #diversify

Intro.(1:22) - Start of interview.(1:51) - Jeff's "origin story". He grew up in Dayton, Ohio. He went to Carnegie Mellon University for undergrad "to study engineering and play football." He graduated with electrical and computer engineering degrees, and took off to Silicon Valley. He first worked in the semiconductor industry with Altera. He later got into financial services, first with Gehrson Lehrman Group, then with SecondMarket (early player in the secondary markets for private shares, later acquired by Nasdaq) and Owler (crowdsourcing data on private companies). He joined Nasdaq in 2014 to help launch the Nasdaq Private Market. In 2016 he got promoted to run the listings team for Nasdaq in the west coast.(4:39) - Jeff's take on Nasdaq's role and vision: "In the last 5-6 years our approach has been to create a lifecycle approach to supporting our corporate clients: 1) Nasdaq Entrepreneurial Center (early stage), 2) Nasdaq Private Market (as companies scale and need to provide liquidity to their shareholders), 3) Listings Business (for companies going public), 4) Once companies are public, we offer a number of products and services to empower their IR, corporate governance and ESG disclosure practices." Beyond this work with corporate clients, Nasdaq also operates exchanges in the US and EU, it has an investment intelligence business (indexes, sell market data) and it's a technology provider to capital markets (including market surveillance technology, AML/KYC solutions, and others).(7:38) - Jeff's take on growth of IPOs during the pandemic (~250 operating companies have gone public in Nasdaq this year) and SPACs (there have been 495 IPOs in 2021 raising ~$138bn). "As a private company you've never had more options and better access to capital and liquidity." Private companies can raise: 1) Late stage venture capital rounds ("there seems to be $100m rounds everyday"), 2) IPOs, 3) SPACs and 4) Direct listings.(10:13) - His take on the impact of government actions on the economy (and how they impact markets). The acceleration of digital transformation during COVID-19.(12:39) - His take on the Nasdaq Private Market (facilitated ~$36 billion in transaction volume for ~500+ private companies) and why they decided to spin-off NPM as s stand-alone company, receiving investments from a group of banks including Citigroup, Goldman Sachs, Morgan Stanley, and SVB Financial Group.(16:05) - The "stay private or go public" decision per Jeff: "It all boils down to the company's goals and objectives in different phases of its lifecycle." Companies go public for a variety of reasons, but some of the primary ones are: 1) to raise capital, 2) to provide liquidity, 3) brand enhancement (prestige) of being a  public company, and 4) to leverage its equity as an acquisition currency.(18:53) - His take on regulatory pressures on private markets (particularly from the SEC, as explained by Commissioner Lee's speech on "Going Dark" and problematic aspects of private markets).(23:24) - On the rise of retail investing and "meme stocks". Zero commissions took down the cost of trading, it made trading more accessible to people. The advent and impact of social media (from social message boards to Reddit). The dissemination of information has changed the nature of trading. The SEC report on equity and options market structure conditions (October 2021).(26:08) - On growth of ESG. "It all starts with the generational shift that is going on, from Baby Boomers to Millennials." "The new generation thinks beyond the bottom line." "People and investors are focusing on non-financial metrics for public companies (more and better disclosures)."(29:52) - History and nature of Nasdaq's Boardroom Diversity Rule (approved by the SEC on August 6, 2021). Standard disclosure matrix and minimum diversity standards (gender and minorities) with long phaseout periods. "We received 200+ comment letters to the rule, 80% was positive. From the 20% that was negative comments, 10% said that we shouldn't implement the rule, and the other 10% said we didn't go far enough."(34:10) - His take on crypto and blockchain technology. "We were thrilled to welcome Coinbase to Nasdaq via their direct listing." "It's really an interesting and dynamic time for the crypto markets." "It's still early innings in terms of the regulatory framework (from SEC and CFTC)." (36:16) - His favorite books:How to Win Friends and Influence People by Dale Carnegie (1936)Genius Makers by Cade Metz (2021)(37:05) - His mentor Bruce Aust (retired Vice Chairman of Nasdaq)(38:29) - On Nasdaq's approach to technology in the boardroom: their board portal Nasdaq Boardvantage, critical for security. The Nasdaq Center for Board Excellence "offers the latest governance insights and actionable intelligence for board members and executives (board evaluations and questionnaires". The topic of ESG is very relevant for boards, and they have an advisory team that consults with boards on ESG, Nasdaq OneReport (to simplify the process of ESG data capture, engagement, oversight, and disclosure).(40:05) - An unusual or absurd habit that he loves: From the book Extreme Ownership (Jocko Willing and Leif Babin): "The first thing I do in the morning is to make my bed." This way everyday you start by accomplishing something.Jeff Thomas is a Senior Vice President of Nasdaq's Corporate Services business unit. Based in San Francisco, Jeff oversees Nasdaq's new Listings and Capital Markets businesses. He also oversees business development and relationship management for Nasdaq's listed companies and Investor Relations Solutions' clients in the Western United States. Previously, he served as President of Liquidity Solutions at Nasdaq Private Market, where he worked closely with private companies to help them provide shareholder liquidity prior to an IPO. If you like this show, please consider subscribing, leaving a review or sharing this podcast on social media. __ You can follow Evan on social media at:Twitter @evanepsteinLinkedIn https://www.linkedin.com/in/epsteinevan/ Substack https://evanepstein.substack.com/Music/Soundtrack (found via Free Music Archive): Seeing The Future by Dexter Britain is licensed under a Attribution-Noncommercial-Share Alike 3.0 United States License

In part 1, Vlad Costea host of the BTCTKVR podcast, joins us, and describes how he first learned about Bitcoin, and how it took several attempts to fully understand its significance. He also discusses his enthusiasm for Taproot and why he is just so bullish on Bitcoin for the future. Vlad also discusses mining, Marathon's recent AML/KYC only block, China's recent crackdown, and mining at home as a way to keep Bitcoin decentralized. He also discusses the tendency for many Bitcoiners to use custodial services, and the impact this might have on user sovereignty. Follow Vlad on social media: Twitter: https://twitter.com/TheVladCostea Facebook: https://facebook.com/bitcointakeover Instagram: @vlad.btctkvr Twitch: https://www.twitch.tv/bitcointakeover Website: https://bitcoin-takeover.com/ Welcome to the 18th episode of Bitrefill's To The Moon Podcast. To The Moon is Bitrefill's new weekly podcast to discuss Bitcoin, altcoins, adoption, news & current events, and all things crypto. Join host Lawrence Ray, along with Jerry Okai, and Ricardo Martinez, for a light-hearted and humorous weekly discussion about the latest developments in the crypto economy. Join our Sphinx.Chat Tribe: https://tribes.sphinx.chat/t/bitrefillstothemoonpodcast Follow To The Moon Podcast on Twitter: https://twitter.com/ToTheMoonPod Follow Bitrefill on Twitter: https://twitter.com/bitrefill Browse Bitrefill's catalog of gift cards and mobile refills: https://www.bitrefill.com/ Sign up for a Bitrefill account: https://www.bitrefill.com/signup

In this segment Adam discusses the regulatory burdens of AML/KYC on businesses in the industry and the vulnerability towards customer privacy this data collection enables. He also discusses the clipper chip, a proposal to provide back-doored encryption to citizens. Lastly, Adam discusses the privacy vs. convenience trade-offs in using privacy tools, vs. more popular alternatives whichprovide no privacy. He also gives his opinion on why privacy tools are not as popular as non-private alternatives. Don't miss it! Part 1: https://www.youtube.com/watch?v=svn2uBamBXY&t=6s Part 2: https://www.youtube.com/watch?v=XFhMwsEkheE Part 3: https://www.youtube.com/watch?v=dsE2_yYihXQ Download Wasabi Wallet: https://wasabiwallet.io/#download Follow Adam on Social Media: https://twitter.com/nopara73 Download Wasabi Wallet: https://wasabiwallet.io/#download Follow Adam on Social Media: https://twitter.com/nopara73 Welcome to the 14th episode of Bitrefill's To The Moon Podcast. To The Moon is Bitrefill's new weekly podcast to discuss Bitcoin, altcoins, adoption, news & current events, and all things crypto. Join host Lawrence Ray, along with Jerry Okai, and Ricardo Martinez, for a light-hearted and humorous weekly discussion about the latest developments in the crypto economy. Join our Sphinx.Chat Tribe: https://tribes.sphinx.chat/t/bitrefillstothemoonpodcast Follow To The Moon Podcast on Twitter: https://twitter.com/ToTheMoonPod Follow Bitrefill on Twitter: https://twitter.com/bitrefill Browse Bitrefill's catalog of gift cards and mobile refills: https://www.bitrefill.com/ Sign up for a Bitrefill account: https://www.bitrefill.com/signup Download the Bitrefill app: iOS - https://apps.apple.com/us/app/bitrefill/id1378102623 Android - https://play.google.com/store/apps/detail…pp&hl=en_US&gl=US To the Moon on Anchor FM: https://anchor.fm/bitrefill Where the Moon Shines Bright by Kara Square (c) copyright 2020 Licensed under a Creative Commons Attribution (3.0) license. http://dig.ccmixter.org/files/mindmapthat/62227 Ft: Mr_Yesterday, Stefan Kartenberg

Jamil catches up with Malcolm Wright for this interesting and topical conversation. Malcolm Wright is Chief Compliance Officer at 100x Group. He was previously Chief Compliance Officer for Diginex in Hong Kong, and prior to that Revolut in London. In his earlier career, Malcolm held senior several leadership roles within Thomson Reuters' (now Refinitiv) anti-financial crime business, including overseeing the delivery of World-Check One, a leading risk intelligence platform to mitigate financial crime and sanctions risk. He also sat on the leadership team that brought the world's first KYC Managed Service to market. Malcolm speaks internationally on a variety of topics in particular the FATF Recommendations for Virtual Asset Service Providers (VASPs). He also sits on international committees including chairing the Advisory Council and AML Working Group at Global Digital Finance (www.gdf.io), an industry-led initiative in setting codes of conduct and best practices for the virtual asset industry . In this respect, Malcolm has led industry and regulator conversations regarding FATF Recommendations for VASPs as well as developing an industry AML Code of Conduct. Most recently, Malcolm co-founded and co-led the Joint Working Group for interVASP Messaging Standards (intervasp.org) that developed the widely-adopted IVMS101 message data standard for FATF 'travel rule' compliance. Malcolm is an Associate Fellow of the Royal United Services Institute's Centre for Financial Crime Studies in London (rusi.org). Jamil Hasan is a Generation X Author and experienced data intelligence technology builder with two decades of experience leading data-based teams at Fortune 100 companies, including AIG, Prudential Financial, and Ingersoll Rand. Jamil believes that skill and experience, not just age, is the most important factor required to build and lead corporate organizations. His unique story, as someone on the ground floor of the 2008 financial crisis and his role to help repay the $180 billion AIG bailout, enabled him to come face-to-face with many of the societal ills facing Generation X today and their causes. As the result of his experience, Jamil has developed a path forward for his fellow Gen Xers to restore his generation's financial standing in society today and to rebuild the American Dream for Generation X.

Evgeny Likhoded, CEO, ClausematchRemote working in financial services has exacerbated governance issues over the past year. At the same time, regulators, notably the US Department of Justice (DoJ), are focusing more on conduct as opposed to fines for AML/KYC lapses. Robin Amlot of IBS Intelligence discusses compliance issues and solutions with Evgeny Likhoded of Clausematch.

Polly joined Nivo in 2019 from Bureau van Dijk, a Moody’s Analytics Company, where she consulted large corporates and financial services organizations on how to modernize and implement risk (AML/KYC/credit) assessment software. In less than five years, she was promoted from a Business Development Executive role to Account Director, where she managed global FTSE 250 clients. She was listed in Tech Nation’s ’10 inspiring women powering tech in the North West’ and is a regular panelist at fin-tech events in Manchester.

"It's been number one on the ask list for a long time." That's Tim McCourt, global head of equity products for CME Group. Speaking about the reception of the more than hundred-and-seventy-year-old exchange's latest product -- futures based on ETH, the native cryptocurrency of the Ethereum network -- McCourt characterized the response as "overwhelming." "People have been really excited ... I think for a long time customers have really been demanding ether futures. They're really excited about the bitcoin futures and the success they've had," he said on the most recent episode of The Scoop. CME Group saw 388 contracts traded on the first full day of trading for the product, which was announced at the end of last year. That's about 19,000 ETH, or $33 million. The launch of ether futures followed the launch of bitcoin options at the end of 2019 and its bitcoin futures product in 2017.  At last check, open interest in CME's bitcoin futures product stood above $2 billion.  McCourt said that unlike products trading on other venues, CME's crypto products trade on a venue to which professional market participants are already connected. The firm's crypto products "widgets through the machine” in the same way as its thousands of other contracts, he said. "Your brokers are familiar. Your clearing members are familiar. So you don't have some of those barriers to enter that you have on the spot side." In this episode of The Scoop, McCourt unpacks the growth of CME's crypto products, the development of the overall crypto trading ecosystem, and what might come next for his company's crypto offerings. Episode 7 of Season 3 of The Scoop was recorded remotely with The Block’s Frank Chaparro and Tim McCourt of CME Group. Listen below, and subscribe to The Scoop on Apple, Spotify, Google Play, Stitcher or wherever you listen to podcasts. Email feedback and revision requests to podcast@theblockcrypto.com. This episode of The Scoop is brought to you by our sponsors Blockset and Kraken. Blockset With Blockset, companies gain access to tools such as: 1. A highly scalable API that supports Bitcoin, Ethereum, Ripple, and other top chains 2. AML/KYC data expediting time to market by complying with legal requirements 3. Leading custody solutions using modern multi-party compute (MPC) technology  Kraken Whether you're an experienced crypto trader or just starting out, Kraken has the tools to help you achieve financial freedom. With 50+ cryptocurrencies to choose from, industry-leading security and a wide variety of features to suit any investing strategy, Kraken puts the power in your hands to buy, sell and trade digital assets. Visit Kraken.com to get started today.

After bitcoin's price fell from its highs above $40,000 this past weekend, investors were left arguing about whether that drop to almost $30,000 was an inevitable market correction or a sign of something more sinister. Indeed, liquidations across futures venues soared to more than $3 billion as crypto exchange Coinbase reported persistent technical issues. But Galaxy Digital's Mike Novogratz isn't particularly worried.  "I am positive this is not November 2017," he said on this week's episode of The Scoop. "Listen, the market got way, way overbought. It was overbought by every statistic, every metric you can look." In spite of a fallen price, Novogratz said the real thesis of the past few months was adoption. More people have heard the bitcoin story, according to Novogratz, and a price correction won't meaningfully undercut that progress. There are still institutions waiting to buy, he said. "The bitcoin-as-a-hard-asset story remains intact," Novogratz added. "This is a wash-out, a position wash-out. I don't think it will be long-term damaging. $30,000 should hold."  He went on to highlight institutional firms that "haven't filled their coffers yet that continue to want to buy." "Insurance companies, asset managers, big institutions haven't bought bitcoin yet and they want to," said Novogratz. During this week's episode, Novogratz explains how he and Galaxy Digital are navigating the market correction, as well as:  Why this price drop won't scare off institutional investors The impact of the macro background and fiscal spending under a Joe Biden-led administration The businesses he's most excited about, particularly in the decentralized finance space How he's viewing Bakkt and Coinbase's plans to go public His advice for new market entrants. This episode of The Scoop is brought to you by Blockset. With Blockset, companies gain access to tools such as: 1. A highly scalable API that supports Bitcoin, Ethereum, Ripple, and other top chains 2. AML/KYC data expediting time to market by complying with legal requirements 3. Leading custody solutions using modern multi-party compute (MPC) technology  Learn more and start building today. 

Decentralized Finance, DeFi as it’s called in the crypto community, has gained so much popularity during this year. The market size went from just under U$1bn to over $11bn, which is still small compared to the colossal size of the traditional finance markets, but it’s becoming a force to be reckoned with. In this episode Edmund Lowell, CEO of KYC-Chain, talked to us about all the nuts and bolts of the DeFi industry and how AML/KYC is an essential part of keeping this industry together if and when another crash comes along.Here’s what you can expect from this episode;What is decentralized financeHow do many of the DeFi platforms workWhat are the existential threats to this industryHow does AML/KYC play a key role in the DeFi space legitimizedHow self-sovereignty through protecting our digital identity is important in this digital worldIs monetization of digital identity the right incentive modelSubscribe to the weekly/monthly newsletter here Guest: Edmund Lowell (LinkedIn: )Host: Takatoshi Shibayama (LinkedIn | Twitter)Music: ShowNing (Website)You can go here to find more about projects that Edmund is involved in;KYC-Chain | Self Key | Key Fi

Robin de Jongh, Managing Director Detecting Financial Crime bij ABN AMRO.  Robin groeide op in Zoetermeer. Na bedrijfseconomie te hebben gestudeerd aan de Erasmus Universiteit in Rotterdam, startte Robin zijn carrière in 1996 bij ABN AMRO.  Later studeerde hij ook nog naast zijn werk Accountancy en werd daarmee Register Accountant wat hij vandaag de dag nog steeds is.  Vanaf 2012 vervulde hij diverse management functies, zoals directeur risico management van de Hypotheken Groep, directeur Processes & Control Retail en is hij sinds 2019 managing director Detecting Financial Crime, waar hij indirect en direct leiding geeft aan 2.700 mensen.  Interessant om specifiek te benoemen vond ik ook zijn eerdere functie van ‘programma manager Know Your Customer (KYC) remediation, Panama Papers en Credit Risk management'.  Sinds 2018 is Robin daarnaast gastdocent Corporate Governance aan de Universiteit van Amsterdam.  Robin is jaar 48 oud, is getrouwd, heeft drie kinderen en woont in Almere.   *** Volg Leaders in Finance via Linkedin.  *** Vraag voor een gast? Stel hem! Meer informatie: luisteraarsvraag.  *** Op de hoogte blijven van Leaders in Finance? Abonneer je dan op de nieuwsbrief.  *** Zou je graag een bepaalde gast willen zien bij Leaders in Finance of ken je iemand die je wil voordragen? Laat het ons weten via gasten@leadersinfinance.nl  ***  Vragen, suggesties of feedback? Graag! Via email: info@leadersinfinance.nl  ***  Als je de Leaders in Finance podcast leuk vindt, zou je dan een review willen achterlaten bijvoorbeeld bij Apple Podcasts? Of ons willen volgen bij Spotify. Veel dank, want sommige mensen gaan alleen luisteren naar deze podcast als ze weten dat er genoeg anderen zijn die het leuk vinden!  ***  Leaders in Finance wordt mede mogelijk gemaakt door Interim Valley, FG Lawyers en Bizcuit. Meer informatie over onze sponsoren is te vinden op onze sponsorpagina.   

This week Jason Fishman speaks with Gordon Einstein, Founder of CryptoLaw Partners. Gordon walks us through how he was able to Test, Optimize, and Scale his businesses.   Gordon Einstein is a hybrid Crypto-Attorney, Technologist, and Enterprise Strategist. Gordon received his undergraduate degree in Politics in 1991 from Brandeis University in Boston and then received his JD in 1995 from the USC Gould School of Law in Los Angeles.  Initially Gordon's law practice centered on startup, venture capital, investment banking, regulatory compliance, intellectual property and general business law. In 2010 Gordon judged that the new field of cloud computing had potential. The group he formed brought to life his vision of the law firm technology platform of the future - AdaptiveSky. AdaptiveSky continues to operate successfully and is a nationally-recognized premier service provider, with its clients primarily located in New York and California. AdaptiveSky has also been awarded Worldox Systems Integrator status (the highest certification level available) by World Software. As an avid computer and programming hobbyist, in 2012 Gordon was intrigued by Bitcoin, cryptocurrencies, and the related technologies. By 2014, he was providing legal services to several individuals and companies operating in this space. And by 2016 the majority of Gordon’s law practice involved working with crypto, blockchain and FinTech startups and funds. This was formalized as CryptoLaw Partners in 2017. Gordon frequently speaks and educates both in the United States and abroad, quite often in Ukraine. Some common themes are issues and developments relating to cryptocurrency, the legal aspects of FinTech, structuring blockchain startups, and AML/KYC compliance. LinkedIn-https://www.linkedin.com/in/gordoneinstein/ Website- https://cryptolawpartners.com Twitter- @GordonEinstein     For more episodes and information, visit us at https://www.digitalnicheagency.com/media Apple Podcasts: https://podcasts.apple.com/us/podcast/test-optimize-scale/id1508379681 Spotify: https://open.spotify.com/show/4zS5V79xPwTsrYiyibaS2b Stitcher: https://www.stitcher.com/s?fid=524781&refid=stpr   Follow Digital Niche Agency on Socials for Up To Date Marketing Expertise and Insights Facebook: https://www.facebook.com/digitalnicheagency/ Linkedin: LinkedIn Login, Sign in Instagram: DNA - Digital Niche Agency (@digitalnicheagency) • Instagram photos and videos. Twitter: https://twitter.com/DNAgency_CA YouTube: https://www.youtube.com/channel/UCDlzUtbB5RMpzRmDu9wtfRQ/

All Fintechs in one country will have long since sorted identity/AML/KYC and so forth. But what happens when they need to scale in other countries or even go global? Like many things in Fintech this was a hard challenge only a few years back. However now it is made much easier by the likes of […]

In 2015, Alloy’s empath founders saw the need to speed up the payment rails to improve financial services onboarding. With funding assistance as a Techstars Barclays Accelerator grad, they developed an identity operating system that banks and FinTechs use to manage their AML/KYC operations and fraud detection.The key to founder resilience, as Laura explains, is to focus on “the little things that are going well and celebrate them” and to share those wins with your team. Listen for Laura’s story about starting with a robust solution to an industry-wide problem and, with the help of savvy advisors, an evolving product and a strong company culture, building it into a successful enterprise that investors want to be part of.Techstars personnel and/or guests who speak in this podcast express their own opinions, and not the opinion of either Techstars or any company discussed in this podcast. This podcast is for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities are for illustrative and/or informational purposes only and do not constitute an investment recommendation or offer to provide investment advisory services. Furthermore, this content is not directed at nor intended for use by any investor or prospective investor, and may not under any circumstances be relied upon when making a decision to invest in any fund managed by Techstars. Certain of Techstars funds own (or may own in the future) securities in some of the companies discussed in this podcast. See acast.com/privacy for privacy and opt-out information.

The Financial Services Group Of Livery Companies (FSG) Task Force supports the Sheriffs of the City of London in their express desire to strengthen and simplify Anti-Money Laundering (AML) within the UK. As part of the taskforce's series of webinars exploring AML, this webinar will be exploring AML Technology. The mandatory compliance requirements set out and enforced by the FCA and other regulators are stricter than ever, but some firms have managed to deliver the regulatory tick box through an un-cumbersome and perhaps even enjoyable experience that stands out in comparison to competitors' offerings. This webinar will provide key insights into what AML/KYC tech can do for financial services firms and will investigate how firms think about meeting compliance requirements by rethinking their systems and the data they capture from the experience layer. We welcome 3 experts from Mastercard, TruNarrative and Digital Identity Network to share their knowledge and experience and the results they have achieved. The speakers will offer their suggestions for how companies can utilise regulatory technology to cut costs, reduce errors and transform their compliance process. Speakers: Dan Johnson is vice president, Identity Products for Mastercard based in London. He is a key leader in Mastercard's initiative to create an effective, efficient and principled model of digital identity in an increasingly connected world. His team is helping to define how a person's identity, and the entities operating on their behalf, can be verified immediately, safely and securely, across multiple touchpoints in both the digital and physical worlds. Michael Harriss has been delivering eIDV, Compliance and Fraud prevention SaaS solutions for the last 15 years. He was a member of the original team pioneering eIDV at GB Group back in 2005 – designing the original JMLSG scoring scheme. He has worked on digital onboarding projects for HSBC, conducted M&A product due diligence for fraud and compliance software businesses. Most recently, in 2016 he became a co-founder of TruNarrative, an Onboarding and Financial Crime lifecycle management platform, working with Challenger banks, Payments and FX Money transfer businesses. Rob Kotlarz is co-founder and President of DIGITAL IDENTITY NET where he set-up from concept to angel investment, a UK platform to enable a low entry cost to participation in secure customer consent based digital identity exchange, for reducing friction fraud and improving digital customer experience. Graeme Gordon is a chartered accountant and prior to joining Praxity was Managing Director and Senior Tutor of Emile Woolf Group, the international training and development firm. He was also previously Group Finance Director of a technology company listed on the London Stock Exchange. Graeme has extensive international experience including in Europe, Russia, North America, the Far East, the Indian Sub-Continent and the Middle East. Before becoming a chartered accountant Graeme served as an officer in the Royal Navy. He is a member of the Council of the Institute of Chartered Accountants in England and Wales and formerly twice President of the Thames Valley Chartered Accountants. Interested in watching our webinars live, or taking part in the production of our research? Join our community at: https://bit.ly/3sXPpb5

Co-hosted by Alex Pillow, this episode is all about name screening. We're joined by AML & KYC experts Michael Harris and Chrisol Correia as they discuss the origins of the industry, compelling events which shaped the regulations and first hand accounts of what it was like working in the industry during the early 00's.

This week on the podcast, Simon Maughan, Liquidnet’s head of trading alpha, joins (3:00-35:30) to discuss the current landscape in the agency-broking space and the buy side’s need for strong analytics in today’s trading environment. Then Wei-Shen and Tony jump back on (35:30) to discuss a documentary that they both watched, and somehow they try to connect it to the world of AML/KYC. (Note: There's a bit of an awkward cut as Wei-Shen and Tony went longer than anticipated talking about a documentary, so we tacked that on at the end.) 3:00 Simon joins the podcast. 7:00 He first talks about the state of agency trading and cost-of-trade issues. 10:30 How have the needs of the buy side changed? 19:00 Over the past few years we’ve seen agency brokers use block trades to drum up business, employ nifty algos to attract clients, while incorporating transaction-cost analysis and other data points as value-adds. Is there a point where the road runs out on what an agency broker can offer? 23:00 He then explains the need to deliver the right information, at the exact point that it is needed, to the right person. 26:00 After the acquisitions of OTAS, Prattle, and RSRCHXchange, what were the greatest challenges in bringing those systems together?   30:00 The world of execution management and analytics is evolving; how can a firm like Liquidnet differentiate itself from the major execution and analytics providers? 33:00 To round things out, Simon talks about some of the lessons he’s learned during the pandemic.

Mark Gilmartin, Senior Tax Advisor, Efficient Frontiers International Limited chats with Sam Sheen about the connection between AML KYC and tax KYC in relation to legal entities and shares some interesting case studies illustrating the tactics used by different actors to conceal their identity for tax purposes while also laundering the proceeds of crime. 

Carlton Greene explains the evolution and current approaches of crypto-companies towards AML, KYC, and regulatory compliance. Carlton Greene is a partner in Crowell & Moring's Washington, D.C. office and a member of the firm's International Trade and White Collar & Regulatory Enforcement groups. He provides strategic advice to clients on U.S. economic sanctions, Bank Secrecy Act and anti-money laundering (AML) laws and regulations, export controls, and anti-corruption/anti-bribery laws and regulations. Carlton is the former chief counsel at FinCEN (the Financial Crimes Enforcement Network), the U.S. AML regulator responsible for administering the Bank Secrecy Act. Before joining FinCEN, Carlton previously served as the assistant director for transnational threats with the U.S. Department of the Treasury, Office of Foreign Assets Control (OFAC), where he directed targeting and investigations for more than 15 U.S. economic sanction programs, including those related to Iran and North Korea. Carlton also served as legal counsel to OFAC on counterterrorism sanctions. Previously, he was appointed by the United Nations Secretary-General to advise the UN Security Council on international sanctions against Al-Qaida and the Taliban and to lead member state visits to assess compliance. Carlton also previously served as a trial attorney at the U.S. Department of Justice, where his practice included representing OFAC on sanctions issues. Based on his years of experience with OFAC and FinCEN, Carlton offers valuable insights on the approaches of these agencies that will assist corporate clients to more effectively respond to government investigations, as well as update their corporate compliance programs in general. Website: https://www.crowell.com/professionals/Carlton-Greene

Location: Skype Date: Monday, 27th January Project: Coin Center Role: Peter Van Valkenburgh & Jerry Brito Welcome to the Beginner's Guide to Bitcoin. Bitcoin can be intimidating for beginners. The protocol is complicated, the community can be aggressive and unforgiving, silly mistakes can lose you money, and it is easy to succumb to altcoin marketing.  Bitcoin does though, offer you the opportunity to hold a new type of monetary asset, one which can't be seized by the government and is censorship resistance and It has the potential to change the way the world.  The goal of What Bitcoin Did has always been about making things simple; there are no stupid questions, and the show is here to help beginners navigate this new world. To kick off 2020, we are launching a special series to help beginners understand Bitcoin. We will be looking at the basics from breaking down the protocol to explaining the economics and discussing the potential societal shift.  Beginners Guide Part 8 - How is Bitcoin Legal with Peter Van Valkenburgh & Jerry Brito Bitcoin is still a relatively new technology. However, it is already a very real threat to government-issued fiat currencies and central banks. This has made regulating Bitcoin a tricky proposition for governments.  China took a hard-line approach to this new asset class and in 2013, banned Bitcoin transactions, and in 2017, the government banned exchanges and ICOs. In Bolivia, there is a unilateral ban on all cryptocurrencies. Other countries have taken a far more progressive view of Bitcoin, embracing it, though often with caution.  Most accepting has been Malta which has created the Malta Digital Innovation Authority; a government body brought in specifically for creating responsible crypto policy. While the regulatory landscape is complex and jurisdiction-specific, regulations tend to apply more aggressively to businesses in the space than users. These laws and regulations that Bitcoin businesses must comply with, however, still have an impact. For example; the majority of exchanges must follow AML/KYC rules which means when buying Bitcoin on an exchange you do give up your privacy.  In Part 8 of the Bitcoin Beginner's Guide and to help explain and navigate the regulatory landscape I talk to Peter Van Valkenburgh & Jerry Britto, the Director of Research & Executive Director at Coin Center a non-profit focused on the policy issues for Bitcoin. We discuss the Bitcoin regulatory landscape and the implications to the users.

Many within the cryptofinance industry have been patiently waiting for regulatory oversight to deliver the clarity required for institutional adoption. Recent updates by the Financial Action Task Force (FATF), which issues guidelines for 200 countries and territories, attempts to apply the same rules and regulations required of traditional finance to the world of virtual currencies. Yaya Fanusie's background as an intelligence analyst at the CIA, and research on the national security implications of cryptocurrencies, provide valuable insight into the necessity of regulation in the space to mitigate the risk of bad actors. Yaya discusses the history and evolution of “Know Your Customer” and where he believes the industry is heading as it faces policymakers who attempt to regulate such rapid technological change.Topics covered in this episode:Yaya’s background in the CIA and how he became interested in bitcoinBitcoin from a national security perspectiveHow terrorist organizations leverage cryptocurrencies for fundingThe evolution of AML/KYC and complicance regulation in the financial sectorThe cost of AML/KYC on business and societyTrying to regulate rapid technological changePrivacy in communication vs. Privacy in paymentsThe travel rule and how it affects cryptofinancial companiesCryptocurrencies over the next decadeEpisode links: Yaya Fanusie's websiteYaya Fanusie on TwitterFinCEN’s Regulations to Certain Business Models Involving Convertible Virtual CurrenciesFoundation for Defense of Democracies (FDD) PodcastStronger AML Enforcement Might Actually Save Crypto (FDD)Crypto Rogues (FDD)Anti-money laundering and counter terrorist financing (European Commission)Cryptocurrency AML StrategiesKYC in Stablecoins (Bits on Blocks)Rhythm of Wisdom PodcastSponsors: Pepo: Meet the people shaping the crypto movement - https://pepo.com/epicenterThis episode is hosted by Sebastien Couture & Brian Fabian Crain. Show notes and listening options: epicenter.tv/324

Location: SkypeDate: Monday, 27th January Project: Coin CenterRole: Peter Van Valkenburgh & Jerry BritoWelcome to the Beginner's Guide to Bitcoin.Bitcoin can be intimidating for beginners. The protocol is complicated, the community can be aggressive and unforgiving, silly mistakes can lose you money, and it is easy to succumb to altcoin marketing.Bitcoin does though, offer you the opportunity to hold a new type of monetary asset, one which can't be seized by the government and is censorship resistance and It has the potential to change the way the world.The goal of What Bitcoin Did has always been about making things simple; there are no stupid questions, and the show is here to help beginners navigate this new world. To kick off 2020, we are launching a special series to help beginners understand Bitcoin. We will be looking at the basics from breaking down the protocol to explaining the economics and discussing the potential societal shift.Beginners Guide Part 8 - How is Bitcoin Legal with Peter Van Valkenburgh & Jerry BritoBitcoin is still a relatively new technology. However, it is already a very real threat to government-issued fiat currencies and central banks. This has made regulating Bitcoin a tricky proposition for governments.China took a hard-line approach to this new asset class and in 2013, banned Bitcoin transactions, and in 2017, the government banned exchanges and ICOs. In Bolivia, there is a unilateral ban on all cryptocurrencies.Other countries have taken a far more progressive view of Bitcoin, embracing it, though often with caution.Most accepting has been Malta which has created the Malta Digital Innovation Authority; a government body brought in specifically for creating responsible crypto policy.While the regulatory landscape is complex and jurisdiction-specific, regulations tend to apply more aggressively to businesses in the space than users. These laws and regulations that Bitcoin businesses must comply with, however, still have an impact. For example; the majority of exchanges must follow AML/KYC rules which means when buying Bitcoin on an exchange you do give up your privacy.In Part 8 of the Bitcoin Beginner's Guide and to help explain and navigate the regulatory landscape I talk to Peter Van Valkenburgh & Jerry Britto, the Director of Research & Executive Director at Coin Center a non-profit focused on the policy issues for Bitcoin. We discuss the Bitcoin regulatory landscape and the implications to the users.-----If you enjoy The What Bitcoin Did Podcast you can help support the show my doing the following:Become a Patron and get access to shows early or help contributeMake a tip:Bitcoin: 3FiC6w7eb3dkcaNHMAnj39ANTAkv8Ufi2SQR Codes: Bitcoin | Ethereum | Litecoin | Monero | ZCash | RipplecoinIf you do send a tip then please email me so that I can say thank youSubscribe on iTunes | Spotify | Stitcher | SoundCloud | YouTube | Deezer | TuneIn | RSS FeedLeave a review on iTunesShare the show and episodes with your friends and familySubscribe to the newsletter on my websiteFollow me on Twitter Personal | Twitter Podcast | Instagram | Medium | YouTubeIf you are interested in sponsoring the show, you can read more about that here or please feel free to drop me an email to discuss options.

Josh Lawler is an equity partner at Zuber Lawler & Del Duca LLP. His focus is on finance, mergers & acquisitions, securities law, and technology transactions. Josh is interested in distributed ledger technology, understanding how client use cases fit in with applicable securities law, compliance and AML/KYC requirements for ICO and TGE transactions. His clients […] The post #8 Josh Lawler appeared first on Cryptographic Asset.

This episode of The Tatiana Show, Tatiana has a one on one conversation with Rhonda Eldridge, founder of the non-profit Harness All Possibilities. A native of the Bahamas, Rhonda had over 25 years experience working in financial institutions before the economic crash of 2008. Seeing the disruption the recession had caused in many people’s lives led her to start her non-profit, Harness All Possibilities. HAP’s mission has been to educate and assist professionals in adapting to business in the 21st century and developing new skills. In 2015, Rhonda discovered blockchain technology and began immersing herself in the field. She has been active in the crypto space for the past 4 years. Rhonda gives us some details of her recent projects in her native Bahamas around blockchain and cryptocurrency. She helped organize the 1st Bahamas Cryptocurrency and Blockchain Conference in the summer of 2018. This past August, she held a hackathon for the youth of The Bahamas. The children had access to online courses on blockchain and AI technologies before participating in a 3 day event building solutions with the technology they had been learning from the courses. She provides insight into the challenges and opportunities surrounding blockchain in the Caribbean.  About the Guests: Rhonda Eldridge is the Founder of Harness All Possibilities, Inc. (“HAP”). HAP is a non-profit corporation motivated to build a sense of connectedness between employers and employees undergoing a transformational shift with disruptive new technologies impacting the workplace. Rhonda is also a Strategy Consultant for Gecko Governance and has over 25 years of financial services experience at leading global firms including PricewaterhouseCoopers, ABN Amro (Fortis) and UBS. She previously held country and regional Managing Director positions at Fortis Prime Fund Solutions (ABN Amro) overseeing operations and business development roles, respectively. In her regional role in the Americas she was responsible for all client due diligence, AML/KYC, compliance, sales, relationship management and complex deals. Rhonda was a 9 year member of Young Presidents’ Organization and member of finance industry organizations such as AIMA, 100 Women in Finance, the CFA Institute, Help for Children/Hedge Funds Care and was part of several global re-engineering and thought leadership teams. Over the past 7 years she has worked with turnaround companies, asset manager, fintech and regtech startup firms. Rhonda holds a business degree from Queen’s University, Canada and is a Canadian qualified chartered accountant.   If you like this content, please send a tip with BTC to: 1Q2QHoNowg8D2QzWhBQU1YrraG771aCpgS More Info:   TatianaMoroz.com CryptoMediaHub.com https://bahamas.cryptochicks.ca/ https://www.harnessap.org/   Friends and Sponsors of the Show (confirm sponsors):   Vaultoro.gold/tatiana www.Celsius.network www.etoro.com Proof of Love   *You have been listening to the Tatiana Show.  This show may contain adult content, language, and humor and is intended for mature audiences.  If that’s not you, please stop listening. Nothing you hear on The Tatiana Show is intended as financial advice, legal advice, or really, anything other than entertainment.  Take everything you hear with a grain of salt. Oh, and if you’re hearing to us on an affiliate network, the ideas and views expressed on this show, are not necessarily of the those of the network you are listening on, or of any sponsors or any affiliate products you may hear about on the show

Over the past ten years, regulators across the US, Europe and APAC regions have issued $26 billion dollars in AML/KYC and sanctions-related fines. In the wake of the 2008 financial crisis and subsequent high-profile scandals, global regulators are increasingly putting banks’ AML and KYC procedures under the microscope. This is clearly reflected in the significant monetary penalties that have been imposed on financial organizations worldwide for anti-money laundering violations. Drawing on ten years of AML, KYC and sanctions fines data research, Fenergo has conducted an in-depth analysis of anti-financial crime penalties levied on banks worldwide due to non-compliance. In this podcast, you'll learn: The regulators that have issued the most for financial penalties; The emerging trend of AML fines – and where they are heading in the future; The international jurisdictions that have faced most scrutiny and the countries we expect to come under increasing scrutiny in the future; How the latest technologies can help in the fight against financial crime (and regulator penalties). Speakers: Conor Coughlan - Chief Marketing Officer, Fenergo Laura Glynn - Director of Global Regulatory Compliance, Fenergo Rachel Woolley - Global AML Manager, Fenergo To learn more about Fenergo's Client Lifecycle Management solutions check out our solutions page here.

Policymakers on both sides of the aisle have proposed new regimes for small-business beneficial ownership reporting. The aim of such legislation is to eliminate opportunities for money laundering and financial crime. However, the proposals before Congress would place heavy new compliance costs on millions of America’s small businesses while continuing to provide opportunities for bad actors to engage in illicit financial activities. Beneficial ownership reporting would add to an already onerous anti-money-laundering/know-your-customer (AML/ KYC) regulatory burden, cited by community banks as the single most costly financial regulation. Furthermore, international experience with beneficial ownership reporting requirements suggests that it will be difficult to make such requirements work in the United States.

Policymakers on both sides of the aisle have proposed new regimes for small-business beneficial ownership reporting. The aim of such legislation is to eliminate opportunities for money laundering and financial crime. However, the proposals before Congress would place heavy new compliance costs on millions of America’s small businesses while continuing to provide opportunities for bad actors to engage in illicit financial activities. Beneficial ownership reporting would add to an already onerous anti-money-laundering/know-your-customer (AML/ KYC) regulatory burden, cited by community banks as the single most costly financial regulation. Furthermore, international experience with beneficial ownership reporting requirements suggests that it will be difficult to make such requirements work in the United States. See acast.com/privacy for privacy and opt-out information.

MP3, Poll, Links, and More: http://ymb.tc/e239This is episode 239 of You, Me, and BTC – your liberty and Bitcoin podcast.Today's exciting guest is Jeff Klee, the CEO of CheapAir.com. CheapAir has been using Coinbase to accept Bitcoin for airfare for years now. (Kudos for that!) But recently, some changes over at Coinbase threw Jeff's company under the bus.And to make matters worse, BitPay also introduced changes earlier this year that left many merchants in the dark. They now force customers to use the controversial BIP70 protocol that only works with a few Bitcoin wallets.What the heck is going on here? Are these Bitcoin giants abusing their influence? What's the point of decentralized money if we still let a few big companies shove us around? Isn't Bitcoin better than this?Thankfully, Jeff is already working on solutions. In the near future, his company plans to accept more cryptocurrencies while relying on fewer third-party services. Likewise, countless other developers, wallets, merchants, and industry leaders are constantly working to improve Bitcoin privacy, decentralization, and usability.On tonight's show, you'll learn about all the drama and understand how Jeff and the rest are working hard to keep Bitcoin great. Check the list below for some of the specific stories we'll cover and catch the livestream tonight at 9PM Eastern!- A Letter to Our Bitcoin Customers- Coinbase Leaves CheapAir Hanging- BitPay, Payment Protocol (BIP-70), and Our Users' Bitcoin Payment Experience- Wallet Developers Express Security Concerns Over BitPay's Payment Protocol Policy- Bitpay QR codes are no longer valid. Important Notice.- Bitpay bip70 payment protocol has great a risk of AML/KYC surveillance, monitoring or worst blacklist.Your hosts this week are Daniel Brown, Tim Baker, and Zack Voell. Don't forget to visit http://ymb.tc/e239 so you can vote in this week's Bitcoin poll and share your thoughts in the comments!Every click helps. If this Bitcoin podcast was interesting, entertaining, obnoxious, or anything else, use the share buttons to let others know that it exists.Tips appreciated: 1Kiy8x4pwMS7RQuH7xDeVcfqeup7gUTqA

MP3, Poll, Links, and More: http://ymb.tc/e239This is episode 239 of You, Me, and BTC – your liberty and Bitcoin podcast.Today’s exciting guest is Jeff Klee, the CEO of CheapAir.com. CheapAir has been using Coinbase to accept Bitcoin for airfare for years now. (Kudos for that!) But recently, some changes over at Coinbase threw Jeff’s company under the bus.And to make matters worse, BitPay also introduced changes earlier this year that left many merchants in the dark. They now force customers to use the controversial BIP70 protocol that only works with a few Bitcoin wallets.What the heck is going on here? Are these Bitcoin giants abusing their influence? What’s the point of decentralized money if we still let a few big companies shove us around? Isn’t Bitcoin better than this?Thankfully, Jeff is already working on solutions. In the near future, his company plans to accept more cryptocurrencies while relying on fewer third-party services. Likewise, countless other developers, wallets, merchants, and industry leaders are constantly working to improve Bitcoin privacy, decentralization, and usability.On tonight’s show, you’ll learn about all the drama and understand how Jeff and the rest are working hard to keep Bitcoin great. Check the list below for some of the specific stories we’ll cover and catch the livestream tonight at 9PM Eastern!- A Letter to Our Bitcoin Customers- Coinbase Leaves CheapAir Hanging- BitPay, Payment Protocol (BIP-70), and Our Users’ Bitcoin Payment Experience- Wallet Developers Express Security Concerns Over BitPay’s Payment Protocol Policy- Bitpay QR codes are no longer valid. Important Notice.- Bitpay bip70 payment protocol has great a risk of AML/KYC surveillance, monitoring or worst blacklist.Your hosts this week are Daniel Brown, Tim Baker, and Zack Voell. Don’t forget to visit http://ymb.tc/e239 so you can vote in this week’s Bitcoin poll and share your thoughts in the comments!Every click helps. If this Bitcoin podcast was interesting, entertaining, obnoxious, or anything else, use the share buttons to let others know that it exists.Tips appreciated: 1Kiy8x4pwMS7RQuH7xDeVcfqeup7gUTqA

MP3, Poll, Links, and More: http://ymb.tc/e239This is episode 239 of You, Me, and BTC – your liberty and Bitcoin podcast.Today’s exciting guest is Jeff Klee, the CEO of CheapAir.com. CheapAir has been using Coinbase to accept Bitcoin for airfare for years now. (Kudos for that!) But recently, some changes over at Coinbase threw Jeff’s company under the bus.And to make matters worse, BitPay also introduced changes earlier this year that left many merchants in the dark. They now force customers to use the controversial BIP70 protocol that only works with a few Bitcoin wallets.What the heck is going on here? Are these Bitcoin giants abusing their influence? What’s the point of decentralized money if we still let a few big companies shove us around? Isn’t Bitcoin better than this?Thankfully, Jeff is already working on solutions. In the near future, his company plans to accept more cryptocurrencies while relying on fewer third-party services. Likewise, countless other developers, wallets, merchants, and industry leaders are constantly working to improve Bitcoin privacy, decentralization, and usability.On tonight’s show, you’ll learn about all the drama and understand how Jeff and the rest are working hard to keep Bitcoin great. Check the list below for some of the specific stories we’ll cover and catch the livestream tonight at 9PM Eastern!- A Letter to Our Bitcoin Customers- Coinbase Leaves CheapAir Hanging- BitPay, Payment Protocol (BIP-70), and Our Users’ Bitcoin Payment Experience- Wallet Developers Express Security Concerns Over BitPay’s Payment Protocol Policy- Bitpay QR codes are no longer valid. Important Notice.- Bitpay bip70 payment protocol has great a risk of AML/KYC surveillance, monitoring or worst blacklist.Your hosts this week are Daniel Brown, Tim Baker, and Zack Voell. Don’t forget to visit http://ymb.tc/e239 so you can vote in this week’s Bitcoin poll and share your thoughts in the comments!Every click helps. If this Bitcoin podcast was interesting, entertaining, obnoxious, or anything else, use the share buttons to let others know that it exists.Tips appreciated: 1Kiy8x4pwMS7RQuH7xDeVcfqeup7gUTqA

The idea for Bloomio came about while doing due diligence research for investors who were interested in particular coins and projects. Bloomio's founder gathered like-minded people, and came up with the idea for a venture capital fund that concentrates solely on seed-stage startups. Bloomio uses crowd-funded money to grow these startups until they reach the point where they can receive more traditional venture capital. Investments with Bloomio can be made for as little as $50 USD, which helps democratize the investment market. Bloomio also creates a token for each startup, which can be kept by investors or traded on a secondary market–because of this, Bloomio is fully compliant with AML/KYC regulations. Overall, Bloomio wants to work with startups that will create new industries, or increase scalability and transparency in currently existing industries. Though they have not had their official launch yet, they are already accepting interested startups. Max also discusses the future of regulation in the cryptocurrency space, the benefits that blockchain can bring. For more information, visit www.bloomio.com.

Founded in 2011, Paymium is one of the world's first Bitcoin startups and exchange. Coming from a background in the payment industry, Pierre made sure that the exchange was fully compliant with all AML/KYC regulations from the very first day. Their commitment to being compliant with all regulations, along with their focus on security, has convinced over 150,000 individuals to register and allows them to partner with large banks. By the Summer 2018, Paymium plans to add more cryptocurrencies to their exchange. Because they only want to allow sustainable currencies on their platform, they plan to add Ethereum, LiteCoin, Bitcoin Cash, and possible a few others. They also plan to allow users to trade fiat, beginning with the US Dollar, Japanese Yen, and Korean Won. Pierre also discusses the relative merits of cold storage, and how it is beneficial to the ecosystem, as well as what he sees as the major challenges for exchanges in the upcoming year. Paymium plans to be at the Bitcoin, Ethereum, and Blockchain Superconference in Dallas, Texas February 16-18, and has hinted about a surprise announcement for us! For more information, visit www.paymium.com.

Kochava is an advertising measurement and analytics platform that was created six years ago that helps advertising agencies get a better picture of where their best advertising ROIs are coming from, and has clients that include NBC, CBS, Disney, various gaming brands, and more. Over the next year, Kochava plans to launch XCHNG, an advertising platform and open-source market for the digital advertising ecosystem, built with a blockchain framework. Use of the blockchain will help solve the current problem of the splintered supply chain, which will increase efficiency and ROI for advertisers. A token sale will be starting shortly, with tokens being used to provide an incentive to for users to hold a stake in the platform, as well as to buy and sell advertising content. In order to keep in compliance with ever-changing regulations, the coin will be done as SAFT and will be fully AML/KYC complaint. The platform is set to go live at the end of 2018/beginning of 2019, but those who monetize ads can sign up for the On XCHNG Program, which will allow for their inventory to be integrated with the platform as early as June/July 2018. Kochava and XCHNG will be at the Bitcoin, Ethereum, and Blockchain Superconference in Dallas, Texas February 16-18. For more information, visit www.xchng.io.

Some of the biggest problems currently in the cryptocurrency ecosystem are that there is no easy way in or out of cryptocurrencies, and there are very few ways to spend cryptocurrencies all the time. TenX hopes to provide a solution to those problems with their mobile app and debit card, which allows users to spend their cryptocurrency easily around the world. Currently, TenX supports eight major cryptocurrencies, including Bitcoin, Ethereum, Dash, and more. TenX allows users to spend their crypto with no additional fees and alerts users when transactions are made. TenX also allows users to buy cryptocurrency directly through the app with either a credit card or a bank transfer. With the ultimate goal of increasing the ease of usability and satisfaction for their users, while still trying to maintain their cryptocurrency agnosticism, TenX plans to work on scaling and supporting infrastructure, and global AML/KYC regulations throughout the first quarter of 2018. Eventually, they hope to develop into a platform that offers their users access to all other types of decentralized services. For more information, visit www.tenx.tech.

ICOs, or Initial Coin Offerings, are a new and interesting way to raise money for a start-up or business-one of the reasons they are so interesting is because they have the potential to raise millions of dollars, but few consider investor protection, due diligence, and regulation compliance. Contrast this to banks, who spend 10% of their yearly gross revenue on AML compliance alone. The bottom line is that while regulatory compliance isn't easy or fun, it is also not optional. iComplyICO hopes to make that a bit easier for their clients by offering a customizable, automated compliance platform for ICOs. The iComplyICO platform is based on an open protocol that can handle both the initial issuance and secondary trading of tokens across multiple blockchains. There are two parts to the platform–first is a zero-knowledge proof that allows ICOs to see that purchasers have passed AML/KYC requirements, but don't show all of the purchaser's information. The second part is a secondary trading piece that can keep an ICO compliant by creating a geofence for where tokens can be resold. Also discussed is the future of AML/KYC compliance. iComplyICO is also accepting applications for companies looking to create AML-compliant ICOs. For more information, visit www.icomplyico.com.

Ambisafe Financial works with high-quality startups and established businesses that are looking to complete ICO sales, and helps to guide them through the entire ICO process from start to finish. They accomplish this with a wide range of services, including helping with technology and web pages, business strategy sessions, making introductions with legal counsel, marketing and Public Relations, and post-ICO product development. Ambisafe also has developed their own decentralized Ethereum-based token exchange called Orderbook.io where clients can sell their tokens. Orderbook.io, which is both a primary and secondary token exchange, is fully AML/KYC compliant, peer-to-peer, non-custodial, meaning that they have no access to client's accounts or private keys, and is fully auditable by individuals or regulators. Ambisafe is always looking for high-quality businesses and start-ups to work with–companies who have a vision and a demonstrable background of accomplishing goals and mileposts, an addressable market, and are interested in the long-term. Patrick also offers some great insights on the current state of the ICO markets. For more information, visit www.ambisafe-financial.com.

Trulioo is a global identity verification system that works through the marketplace of data. Using consumer data from 50 data partners, Trulioo is able to provide digital identity verifications for financial products to banks, financial institutions, exchanges, and other online market places. However, Trulioo doesn't own or store your data, much like Uber doesn't own cars or AirBNB doesn't own homes.They are fully AML/KYC compliant, and check verifications through multiple watchlists and checklists from banks, government agencies, exchanges, and even ICOs, in order to make sure that users are legitimate. Trulioo's goal is to be able to provide digital identity verification for all 7 billion people on the planet, particularly the underbanked and unbanked populations around the globe, and they are already off to a great start. Currently, they are able to provide digital ID verifications for 4.5 billion people in 60+ countries. For more information, visit www.trulioo.com.

Since it’s the week of Thanksgiving in the US and there’s little news to be found, this week on the podcast we’re going to do a “Best Of” episode from interviews we’ve conducted on the podcast over the last six months. (3:00) First we have Bryan Harkins, head of US equities and global FX at Cboe Global Markets, talking about the firm’s acquisition of Bats and how the exchange is attempting to launch a bitcoin futures contract. (6:50) Next, Oliver Harris, head of JPMorgan’s In-Residence Program, explains why the bank launched this fintech accelerator, and he gives two specific success stories to come out of the program. (17:45)Batting third, Marc Andrews, vice president of Watson Financial Services Solutions for IBM, explains how cognitive computing can help answer some of Mifid II’s regulatory challenges and then gives his thoughts on if an all-encompassing industry utility for AML/KYC is on the horizon. (23:30) Finally, Neal Pawar, chief technology officer at AQR, talks about the impact and growth of open-source projects in the capital markets and how his nearly $200 billion hedge fund is using these increasingly popular technologies to both improve its offering and to attract talent.

IdentityMind provides back-end software to 25 cryptocurrency exchanges that helps them meet various government standards for anti-money laundering (AML) and Know Your Customer (KYC) requirements. This reduces the risk of fraud and identity theft on exchanges, which is a huge concern–if an exchange is hacked, the hacker can get large amounts of money, anywhere in the world, and no one will know who you are. The IdentityMind software can share meta data with all of the exchanges that use it, so a successful customer onboarding on one exchange can be shared with all the rest. The key to reducing the risk to exchanges lies in customer onboarding, by creating a tiered classification of the risk that each customer poses, with different validation techniques for each tier. All of this is done on the back-end, so that customers of each exchange doesn't necessarily know that it is taking place. IdentityMind is also working on a software plug-in that can validate customers against AML/KYC regulations worldwide, depending on where they and the exchange are located.   For more information, visit www.identitymindglobal.com.

Coinme is the first fully licensed cryptocurrency ATM network in the United States, and is compliant with AML/KYC regulations. Users are able to withdraw up to $2500 per day, and each time they use an ATM, they will be rewarded with a digital 1% cash back in the form of UpToken, which will be purchased specifically for that purpose. UpToken will give its holders special privileges, including allowing them to vote on which cryptocurrencies to add to the ATMs, and where new ATMs should be located. There is also a current UpToken sale, with daily changing discounts for purchasers. Overall, both Neil and JR view this as a way to engage with those individuals who are not currently involved in the cryptospace. For more information, visit www.uptoken.com.

“The thing I want most from the ecosystem is transparency…I think we should have a level playing field across exchanges and good practices so that exchanges are not used for money laundering because that's certainly a cost for the system as a whole,” says Pierre Noizat, CEO of Paymium. Paymium was created in 2011 as one of the first exchanges in the cryptocurrency space, and the current platform has been running continuously since 2013.  But there are a couple of things that set the Paymium exchange apart from the rest: security and regulatory compliance. In fact, Paymium is the first exchange to maintain a long-term, successful banking relationship. But at what price, and do the pros outweigh the cons? Noizat is eager to discuss it all, so tune in to learn more. Noizat also discusses: * How the addition of too many cryptocurrencies (and too quickly) can be dangerous and compromise security. * Future plans to add more cryptocurrencies and fiat currencies to the platform while maintaining the same level of security and compliance. * The dangers and risks of margin trading, especially with BTC. * How cold wallets work, and how they confer a significant security benefit.

Currently, merchants have several issues with taking credit card payments, including high fees and a general lack of transparency. These problems can be solved with crypto tokens such as Bitcoin or Dash, but many users are confused by all the additional services and products needed to efficiently make payments using cryptocurrency–compliance and tax services, AML/KYC regulations, exchange and digital wallet access, and more. Alt36 has created a platform that includes all these additional services, ultimately allowing users to efficiently make payments using Dash cryptocurrency. Using Dash solves many of the problems of other cryptocurrencies, such as Bitcoin. It also has the ability to provide greater value to industries such as cannabis, who currently operate entirely in cash and have strict compliance regulations. Ultimately, Alt36 plans to help encourage the adoption of Dash, and make it the leading cryptocurrency. For more information, visit www.alt36.com.

This week, Anthony and James delve into regtech and also take a look at how employee privacy may be diminishing due to new cognitive technologies being used in surveillance. They next turn their attention to clearinghouses in London and how new EU rules could force them to relocate to the Eurozone. Finally, they talk about how Anthony was incredibly wrong in saying that a Floyd Mayweather-Conor McGregor fight would never happen. Regtech (2:00) The evolution of the regtech space. (3:15) What is cognitive computing? (4:20) How cognitive tools are infiltrating the surveillance space. (8:00) With the advent of cognitive tools, employee privacy could diminish. (16:00) An examination of the AML/KYC vendor landscape. Clearing (21:00) What has the European Commission done that’s caused such a fuss in regards to clearing? (23:45) Why is this such a big deal for Europe? (25:30) What is the impact first for banks and those who use clearinghouses—and second, for the clearinghouses? (27:15) What has the market reaction been? Bonus (29:00) A quick look at the upcoming Floyd Mayweather-Conor McGregor fight and how Anthony was very, very, very wrong in predicting that the fight would never get made.

This week, Marc Andrews—vice president of Watson Financial Services Solutions for IBM—sits down with Anthony and Dan to discuss how the company is using the famed Watson platform in the financial services space. 1:00 How to enter your company for this year’s Waters Rankings. 3:00 Marc talks about why IBM focused on regulatory compliance, first, for the financial sector. 4:45 The difference between artificial intelligence and augmented intelligence. 6:45 How IBM breaks down its regulatory services. 8:00 Mifid II uses cases for cognitive learning. 10:30 Is an industry utility for AML/KYC on the horizon? 13:30 Other potential benefits for cognitive learning in the trading lifecycle. 17:00 Cognitive technology’s ability to diagnose an issue based on different “symptoms”. 20:00 A preview of Watson’s AML/KYC solution, which will be rolled out later this year. 23:40 Will cognitive machines take over the regulatory process at banks?

Bitcoin, cryptocurrencies, and blockchain technologies do not live in a separate world where regulations and laws do not apply. These technologies are rapidly converging with complex regulations from different countries, including AML / KYC, local taxing authorities such as the IRS in the United States, the SEC, FinCen and more. A new breed of attorney is learning and developing expertise in Bitcoin, cryptocurrencies and blockchain technology. If you're thinking of starting and operating a related business and you want to know what laws may apply to you (ex: being considered a money transmitter), then this podcast is critical to listen to. Even if you buy and sell bitcoin locally, you may fall under state and or federal laws regarding money transmission. Listen, Subscribe, Review this podcast. Donate bitcoin to keep us going using our public key on future tech podcast dot com