As financial crime becomes increasingly borderless, the regulatory world is following suit. In 2025, Know Your Customer (KYC) regulations are no longer evolving in isolation. From the UK and EU to Singapore and the UAE, there is a growing convergence in compliance expectations, regulatory standards, and enforcement approaches.
This shift towards harmonisation is redefining the global compliance landscape—presenting both risks and opportunities for financial institutions. KYC Portal CLM, a CDD and AML platform, recently delved into how global KYC regulations are changing in 2025.
Historically, firms have struggled with fragmented KYC requirements that differed by jurisdiction—creating inefficiencies, redundancies, and risk blind spots. This fragmentation is now giving way to a more unified global framework, accelerated by several international developments. Among the key drivers are FATF mutual evaluations, which are influencing policy alignment across jurisdictions, and the EU’s sweeping AML Package, which has introduced pan-European KYC standards under the new Anti-Money Laundering Authority (AMLA), it said.
Other developments include growing international momentum for beneficial ownership transparency and the emergence of centralised registries. Initiatives such as the Egmont Group and IOSCO-led information-sharing agreements are further reinforcing this regulatory alignment. The result: a compliance environment that is more standardised in principle but still complex in practice.
While local nuances persist, core elements of KYC frameworks are aligning globally. These include verification of ultimate beneficial owners (UBOs), implementation of risk-based onboarding models, and an understanding that KYC is an ongoing obligation rather than a one-time check.
Platforms like KYC Portal CLM are stepping in to help financial institutions manage this evolving landscape. Designed for flexibility and scalability, KYC Portal CLM enables firms to comply with global standards while customising workflows to meet local rules.
The platform also supports dynamic risk-based automation, reflecting both FATF principles and specific regulatory guidance. Its modular architecture facilitates document collection tailored to international compliance standards, and tracks expirations to avoid lapses.
Real-time monitoring features ensure continuous compliance by automatically triggering reviews in response to events like sanctions updates or adverse media reports.
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