Shubham Khandelwal

Articles

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  October 14, 2026 · 27 min read

  Bank of America's $1.2B FinCEN Penalty: What Happened, Where It Failed, How to Avoid It

  A clause-by-clause reading of FinCEN Consent Order 2026-03: the monitoring design, the customer due diligence decisions and the correspondent banking gaps behind more than $5 billion in unreported suspicious activity.

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  August 27, 2026 · 10 min read

  IFSCA KRA integration: the September 1 deadline, and what GIFT IFSC entities should build now

  IFSCA's KRA integration circular is still unnotified with days to go before September 1. What GIFT IFSC regulated entities must build for KYC Registration Agency integration.

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  August 2, 2026 · 9 min read

  Two kinds of orchestration

  The compliance stack is splitting in half. One layer orchestrates your process. The other orchestrates your vendors. You need both — and almost nobody sells the second one.

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  July 27, 2026 · 16 min read

  Zero Trust stops at the login screen

  Enterprise security spent a decade dismantling the perimeter. Customer identity never got the memo — and generative AI has removed the option of waiting.

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  July 22, 2026 · 14 min read

  Data residency is eating global KYC

  Why per-region enforcement is becoming table stakes — and how to architect a control-plane / data-plane split that satisfies AMLR, DPDP, MAS, PDPL and PIPL at once.

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  July 21, 2026 · 11 min read

  The World's Most Respected Financial Regulators (2026)

  The ten regulators other supervisors copy — and a full comparison across equities, banking, derivatives, funds, insurance, payments, and crypto.

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  July 20, 2026 · 3 min read

  Press brief: Omnified selected for GIFT IFIH's residential program, cohort begins August 03

  Omnified — the vendor-neutral KYC and AML orchestration platform for regulated entities — has been selected for the GIFT International Fintech Innovation Hub (IFIH) residential program. The cohort begins on August 03.

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  July 11, 2026 · 11 min read

  KYC and AML at IFSCA: onboarding investors from everywhere, under one rulebook

  IFSCA-regulated entities in GIFT City routinely onboard investors from a dozen jurisdictions in a single fund close. Here's a field-tested breakdown of where the KYC/AML pressure actually sits — and how it maps to the IFSCA AML/CFT & KYC Guidelines.

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  July 2, 2026 · 7 min read

  One API, every jurisdiction: how vendor-neutral KYC orchestration actually works

  Global KYC is where product roadmaps go to die. Here's how a single orchestration layer with per-jurisdiction rulebooks turns 3–6 months of vendor integration into a single API call.