United Kingdom
Every guide is written from the legislation and the regulators’ own guidance, with each source linked and a review date on the page. They state the obligation, including the parts that are inconvenient, and they are not product material.
UK Sanctions and OFSI Obligations for the Lloyd’s Market. Who counts as a relevant firm, when the reporting duty is triggered, what OFSI can impose, and why detection speed is worth money.
Adverse Media Obligations Under FCA Expectations. There is no rule requiring adverse media screening by name. Where the obligation actually comes from, and what FG25/3 expects of a firm relying on a commercial database.
United States
OFAC Sanctions Obligations for Insurers Writing US Risk. How a firm with no US office becomes exposed, why liability is strict, the 50 Percent Rule, and the points in the policy lifecycle at which OFAC expects screening.
FinCEN and Bank Secrecy Act Obligations for Banks and MSBs. The programme requirements, the reporting duties, and the August 2026 beneficial ownership change together with the distinction most commentary is getting wrong.
European Union
EU Sanctions and AML Obligations for Carriers Writing EU Risk. Which directive 6AMLD refers to, what the 2024 package changes and when, and why the EU ownership and control test catches entities that pass a US test cleanly.
Delegated authority
Bordereaux Sanctions Screening Under Delegated Authority. Why a bordereau cannot on its own satisfy the requirement to screen prior to underwriting, where accountability sits when a coverholder holds the pen, and the six points in the lifecycle where screening is required.
Related reading: how we clear alerts and the Compliance Clearing Service.