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Behind the Regulations: WTR Articles & Commentary
Fresh thinking, expert analysis & practical insight into the regulations
This section features original articles that explore the evolving landscape of wire transfer regulation, from technical obligations and enforcement trends to policy debates and future reforms. Written with clarity and insight, these pieces are designed to challenge assumptions, unpack complexity, and offer practical perspectives across compliance, risk, and payments.
Whether you're looking for strategic commentary or operational insight, these articles provide thought-provoking content grounded in real-world relevance.
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Who Owns the Travel Rule in DeFi?
Decentralised finance (DeFi) was built to remove intermediaries. The Travel Rule was built to hold intermediaries to account. That tension now sits at the centre of global supervision. The FATF expects originator and beneficiary information to accompany transfers involving virtual assets and for an accountable party to exist wherever a financial service is provided. Its updated guidance is explicit that so-called DeFi arrangements are not outside scope if there are natural or
Elizabeth Travis
3 hours ago5 min read
Breaking the Silo: Why Wire Transfer Regulations Must Anchor Financial Crime Strategy
Wire transfer regulations (WTR) have long operated in the shadows of the anti-money laundering (AML) regime. Introduced to provide greater transparency in cross-border fund transfers, their role is often treated as a narrowly defined technical requirement. Financial institutions tend to approach WTR compliance as an exercise in completing payment data fields, rather than recognising its potential as a strategic line of defence against complex financial crime. This is a grave
Elizabeth Travis
Dec 1, 20256 min read
Payment Processors: The Unseen Gatekeepers of Global Transfers
The integrity of the UK’s financial system increasingly depends on entities that few consumers have ever heard of. Payment processors, which form the technical backbone of electronic transactions, now sit at the intersection of financial innovation and regulatory accountability. Their systems enable billions of transfers every day, yet their role in anti-money laundering (AML) compliance has remained largely unexamined outside specialist circles. That is changing. The Financi
Elizabeth Travis
Nov 10, 20256 min read
Wire Transfer Regulations & Islamic Banking: Navigating the Crossroads of Compliance & Faith
Wire Transfer Regulations (WTRs) are pivotal in the global effort to combat money laundering, terrorist financing, and the illicit...
Elizabeth Travis
Oct 27, 20256 min read
Why Banks Think Wire Transfer Regulation is Less Important & Why They’re Wrong
In the labyrinthine world of financial regulation, institutions face an ever-expanding array of compliance requirements. From market...
Elizabeth Travis
Oct 20, 20255 min read
Barclays Fines Signal a Deeper Challenge for UK Wire Transfer Regulation Compliance
The £39.3 million fine imposed on Barclays this month (its second FCA sanction in as many weeks) has dominated headlines, reinforcing...
Elizabeth Travis
Jul 23, 20254 min read
Wire Transfer Regulation & the AML Gap: Why Digital Wallets & Online Marketplaces Must Face Crypto-Level Scrutiny
UK AML laws cover crypto, but not digital wallets or marketplaces. Criminals know this. It's time to close the gap.
Elizabeth Travis
Apr 7, 20254 min read
The Cash Comeback: How & Why Criminals Are Reverting to Old-School Money Laundering
Criminals are shifting to cash-based laundering as AML rules tighten on digital transactions. Discover key risks & regulatory responses.
Elizabeth Travis
Mar 14, 20257 min read
How Money Laundering & Terrorist Financing Regulations Are Shaking Up the UK Cryptocurrency Industry
The world of cryptocurrency is constantly evolving, and the recent introduction of the UK Money Laundering & Terrorist Financing...
Elizabeth Travis
Feb 28, 20255 min read
Mastering SEPA Wire Transfer Regulations Compliance: Navigating the Travel Rule
The Single Euro Payments Area (SEPA) has revolutionised cross-border payments within Europe, making them as seamless as domestic...
Elizabeth Travis
Feb 14, 20254 min read
Navigating the Compliance Maze: How Crypto Businesses Can Master the Travel Rule Under MLR 2019
The rise of cryptocurrencies and blockchain technology has revolutionised financial services, offering decentralised and efficient ways...
Elizabeth Travis
Feb 7, 20254 min read
The Growing Risk of Money Laundering Through Credit Cards: Should They Be Subject to Wire Transfer Regulations?
Money laundering is a serious threat to the global financial system. As criminals grow more sophisticated, they continually refine their...
Elizabeth Travis
Jan 31, 20255 min read
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