https://www.finextra.com/ The Latest Financial IT Security Headlines Copyright 2023 Finextra Research Ltd en-GB contact@finextra.com (Finextra Contact) https://www.finextra.com https://www.finextra.com/finextra-images/site/finextra.png https://www.finextra.com/newsarticle/42834/north-korean-hackers-preparing-to-cash-out-40-million-in-stolen-bitcoin?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/newsarticle/42834/north-korean-hackers-preparing-to-cash-out-40-million-in-stolen-bitcoin?utm_medium=rssfinextra&utm_source=finextrafeed Wed, 23 Aug 2023 12:00:00 GMT North Korean cybercriminals are expected to dump $40 million in stolen bitcoin on the market over the coming days. https://www.finextra.com/newsarticle/42831/former-bank-employee-jailed-over-130000-fraud?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/newsarticle/42831/former-bank-employee-jailed-over-130000-fraud?utm_medium=rssfinextra&utm_source=finextrafeed Wed, 23 Aug 2023 11:06:00 GMT A former bank employee and his acccomplice have been sentenced to a combined total of five years and seven months in prison after stealing £130,000 from customer accounts. https://www.finextra.com/newsarticle/42806/minister-orders-review-after-bank-of-ireland-it-glitch?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/newsarticle/42806/minister-orders-review-after-bank-of-ireland-it-glitch?utm_medium=rssfinextra&utm_source=finextrafeed Thu, 17 Aug 2023 10:38:00 GMT Ireland's minister for finance has called for an investigation into the robustness of banking technology infrastructure after a technical glitch with Bank of Ireland's (BoI) mobile banking app enabled customers to seemingly withdraw free money. https://www.finextra.com/newsarticle/42804/visa-faces-doj-probe-into-tokenisation-technology-pricing?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/newsarticle/42804/visa-faces-doj-probe-into-tokenisation-technology-pricing?utm_medium=rssfinextra&utm_source=finextrafeed Wed, 16 Aug 2023 18:15:00 GMT The US Department of Justice is investigating Visa's policies for charging retailer more for not using its proprietary tokenisation technology, according to Bloomberg. https://www.finextra.com/newsarticle/42801/payments-watchdog-suggests-415000-ceiling-for-app-fraud-reimbursement-claims?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/newsarticle/42801/payments-watchdog-suggests-415000-ceiling-for-app-fraud-reimbursement-claims?utm_medium=rssfinextra&utm_source=finextrafeed Wed, 16 Aug 2023 12:03:00 GMT The UK's Payment Systems Regulator plans to set a £415,000 maximum reimbursement level for victims of authorised push payments (APP) fraud. https://www.finextra.com/newsarticle/42769/anz-to-implement-mule-account-detection-tech?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/newsarticle/42769/anz-to-implement-mule-account-detection-tech?utm_medium=rssfinextra&utm_source=finextrafeed Fri, 11 Aug 2023 00:01:00 GMT ANZ is investing in a new security capability designed to detect mule accounts being used to receive funds from scam victims and other criminal activities. https://www.finextra.com/newsarticle/42766/barclays-says-tech-companies-should-be-liable-for-scams-on-their-platforms?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/newsarticle/42766/barclays-says-tech-companies-should-be-liable-for-scams-on-their-platforms?utm_medium=rssfinextra&utm_source=finextrafeed Thu, 10 Aug 2023 10:49:00 GMT Barclays is calling on tech companies to reimburse scam victims as part of four major recommendations to tackle the nation’s fraud epidemic. https://www.finextra.com/newsarticle/42760/spherex-raises-82m-for-smart-contract-security-tech?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/newsarticle/42760/spherex-raises-82m-for-smart-contract-security-tech?utm_medium=rssfinextra&utm_source=finextrafeed Thu, 10 Aug 2023 00:01:00 GMT Founded by the former CISO of Bank Leumi, Israeli web3 security company SphereX has raised $8.2 million in seed funding for its technology designed to prevent crypto hacks. https://www.finextra.com/newsarticle/42753/visa-uk-introduces-new-measures-to-protect-smes-from-friendly-fraud?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/newsarticle/42753/visa-uk-introduces-new-measures-to-protect-smes-from-friendly-fraud?utm_medium=rssfinextra&utm_source=finextrafeed Wed, 09 Aug 2023 09:16:00 GMT Visa UK has introduced a raft of new measures to protect small businesses from soaring rates of 'friendly fraud', in which cardholders dispute a legitimate purchase with their card issuer. https://www.finextra.com/newsarticle/42749/more-banks-pay-multi-million-dollar-penalties-over-whatsapp-use?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/newsarticle/42749/more-banks-pay-multi-million-dollar-penalties-over-whatsapp-use?utm_medium=rssfinextra&utm_source=finextrafeed Tue, 08 Aug 2023 14:07:00 GMT Wells Fargo and BNP Paribas are among the latest banks to be hit with multi-million dollar penalties by US regulators over employee use of unofficial communication tools like WhatsApp and iMessage. https://www.finextra.com/newsarticle/42740/mastercard-enables-cvc-less-payments-for-tokenised-cards-in-india?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/newsarticle/42740/mastercard-enables-cvc-less-payments-for-tokenised-cards-in-india?utm_medium=rssfinextra&utm_source=finextrafeed Mon, 07 Aug 2023 00:01:00 GMT Mastercard has introduced Cardholder Verification Code-less online payments for debit and credit cardholders in India who have tokenised their cards on merchant platforms. https://www.finextra.com/newsarticle/42690/how-instant-payments-will-impact-financial-crime-mitigation?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/newsarticle/42690/how-instant-payments-will-impact-financial-crime-mitigation?utm_medium=rssfinextra&utm_source=finextrafeed Wed, 26 Jul 2023 08:00:00 GMT Speaking at the Temenos Community Forum at Vienna earlier this year, Finextra interviewed Adam Gable, product director of financial crime, treasury, and risk at Temenos, and Hani Hagras, chief science officer at Temenos to discuss how instant payments has been a catalyst to accelerate speed and innovation in financial crime mitigation. https://www.finextra.com/pressarticle/97865/clear-junction-gets-iso-27001-certified?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/pressarticle/97865/clear-junction-gets-iso-27001-certified?utm_medium=rssfinextra&utm_source=finextrafeed Tue, 29 Aug 2023 16:24:00 GMT Clear Junction, the global cross-border payments solution leader, has today announced it has been granted ISO 27001 certification, the highest global standard that corporates can achieve for information security. https://www.finextra.com/pressarticle/97863/marqeta-appoints-heather-gantt-evans-ciso?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/pressarticle/97863/marqeta-appoints-heather-gantt-evans-ciso?utm_medium=rssfinextra&utm_source=finextrafeed Tue, 29 Aug 2023 15:00:00 GMT Marqeta (NASDAQ: MQ), the global modern card issuing platform, today announced the appointment of Heather Gantt-Evans as its Chief Information Security Officer (CISO). Gantt-Evans is a previous security and risk management leader at SailPoint, The Home Depot and Ernst & Young, and will be responsible for overseeing Marqeta’s global corporate and product security strategies. https://www.finextra.com/pressarticle/97804/thales-ports-hsm-technology-to-the-cloud?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/pressarticle/97804/thales-ports-hsm-technology-to-the-cloud?utm_medium=rssfinextra&utm_source=finextrafeed Tue, 22 Aug 2023 09:49:00 GMT Today Thales announces the launch of Thales payShield Cloud HSM, a subscription-based digital payments security service built on its market-leading payShield 10K Payment Hardware Security Module (HSM) technology to help customers accelerate the adoption of cloud-based payments infrastructure. https://www.finextra.com/pressarticle/97800/dock-partners-feedzai-to-bring-fraud-prevention-tools-to-latam-businesses?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/pressarticle/97800/dock-partners-feedzai-to-bring-fraud-prevention-tools-to-latam-businesses?utm_medium=rssfinextra&utm_source=finextrafeed Mon, 21 Aug 2023 20:02:00 GMT Dock, a B2B leader in payments and banking technology in Latin America, announced a partnership with Feedzai, a global leader in fraud and money laundering prevention, to provide new options for security solutions to Dock customers and expand access to this cutting-edge technology in Latin America to companies of all sizes. https://www.finextra.com/pressarticle/97780/riskified-reports-mastercard-partnership?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/pressarticle/97780/riskified-reports-mastercard-partnership?utm_medium=rssfinextra&utm_source=finextrafeed Thu, 17 Aug 2023 15:34:00 GMT Riskified (NYSE:RSKD), a leader in ecommerce fraud and risk intelligence, today announced an enhanced partnership with global payments leader Mastercard, that will improve the ability of businesses across the globe to grow online revenues and profit while mitigating the risk of fraud and chargebacks. https://www.finextra.com/pressarticle/97758/bluefin-names-tom-savage-as-chief-sales-officer?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/pressarticle/97758/bluefin-names-tom-savage-as-chief-sales-officer?utm_medium=rssfinextra&utm_source=finextrafeed Tue, 15 Aug 2023 15:22:00 GMT Bluefin, the recognized integrated payments leader in PCI-validated encryption and tokenization technologies that protect payments and sensitive data, today announced the addition of Tom Savage as the company’s new Chief Sales Officer. https://www.finextra.com/pressarticle/97725/pulse-extends-debit-fraud-protection-deal-with-fico?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/pressarticle/97725/pulse-extends-debit-fraud-protection-deal-with-fico?utm_medium=rssfinextra&utm_source=finextrafeed Wed, 09 Aug 2023 16:48:00 GMT PULSE, a Discover Financial Services (NYSE: DFS) company and operator of the PULSE debit network, has agreed to an extension of its partnership with global analytics software provider FICO (NYSE: FICO). https://www.finextra.com/pressarticle/97634/felix-pago-selects-seon-for-fraud-protection?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/pressarticle/97634/felix-pago-selects-seon-for-fraud-protection?utm_medium=rssfinextra&utm_source=finextrafeed Wed, 02 Aug 2023 09:11:00 GMT SEON has partnered with digital remittance leader, Felix Pago, to improve trust in the world of cross-border payments. https://www.finextra.com/pressarticle/97618/paypoint-adds-payer-name-verification-service?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/pressarticle/97618/paypoint-adds-payer-name-verification-service?utm_medium=rssfinextra&utm_source=finextrafeed Tue, 01 Aug 2023 10:28:00 GMT Digital payments expert, PayPoint, has launched Confirmation of Payer or Payer Name Verification service to its suite of open banking solutions. https://www.finextra.com/pressarticle/97586/trustmi-launches-to-tackle-b2b-payment-fraud?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/pressarticle/97586/trustmi-launches-to-tackle-b2b-payment-fraud?utm_medium=rssfinextra&utm_source=finextrafeed Thu, 27 Jul 2023 10:30:00 GMT Trustmi announced its official launch as a pioneering leader in business payments security. https://www.finextra.com/pressarticle/97583/sec-adopts-rules-on-cybersecurity-risk-management-and-incident-disclosure?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/pressarticle/97583/sec-adopts-rules-on-cybersecurity-risk-management-and-incident-disclosure?utm_medium=rssfinextra&utm_source=finextrafeed Thu, 27 Jul 2023 10:22:00 GMT The Securities and Exchange Commission today adopted rules requiring registrants to disclose material cybersecurity incidents they experience and to disclose on an annual basis material information regarding their cybersecurity risk management, strategy, and governance. https://www.finextra.com/pressarticle/97524/netguardians-wins-contract-at-bank-al-etihad?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/pressarticle/97524/netguardians-wins-contract-at-bank-al-etihad?utm_medium=rssfinextra&utm_source=finextrafeed Tue, 25 Jul 2023 09:05:00 GMT NetGuardians is to deploy its AI-enabled payment fraud prevention solution at Jordan-based bank, Bank al Etihad as the two institutions continue to counteract financial crime. https://www.finextra.com/videoarticle/2964/pushing-fraud-controls-to-the-next-level?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/videoarticle/2964/pushing-fraud-controls-to-the-next-level?utm_medium=rssfinextra&utm_source=finextrafeed Mon, 10 Jul 2023 15:14:00 GMT Isabel Schmidt, Co-Head of Global Payments Products, BNY Mellon, joins us at EBAday 2023 to discuss real-time payments and the ways to improve fraud controls with data validation services and cross-industry collaboration. https://www.finextra.com/videoarticle/2960/implementing-ebas-pan-european-fraud-taxonomy-first-findings-from-early-movers?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/videoarticle/2960/implementing-ebas-pan-european-fraud-taxonomy-first-findings-from-early-movers?utm_medium=rssfinextra&utm_source=finextrafeed Tue, 04 Jul 2023 11:46:00 GMT Thomas Egner, Secretary General, Euro Banking Association, and Annick Moes, Head of Industry Issues and Cooperation Initiatives, Euro Banking Association, discuss at EBAday 2023 the practical impact of the EBA's pan-European taxonomies addressing KYC and fraud combatting. They share feedback from first movers, which have implemented the EBA Fraud Taxonomy for fraud analytics and customer education, and comment on the taxonomy’s increasing relevance in the context of evolving payments regulation at EU level. https://www.finextra.com/videoarticle/2927/preparing-for-instant-payment-regulation-across-europe?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/videoarticle/2927/preparing-for-instant-payment-regulation-across-europe?utm_medium=rssfinextra&utm_source=finextrafeed Wed, 21 Jun 2023 13:58:00 GMT Erwin Kulk, Head of Service Development and Management, EBA CLEARING, speaks at EBAday 2023 in Madrid about the impact of instant payment regulation on EBA CLEARING's payment systems, how fraud patterns and anomaly detection can support users with upcoming regulatory requirements, and how to overcome some of the industry's greatest challenges today. https://www.finextra.com/videoarticle/2912/unveiling-the-impact-of-instant-payments-on-financial-crime-mitigation?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/videoarticle/2912/unveiling-the-impact-of-instant-payments-on-financial-crime-mitigation?utm_medium=rssfinextra&utm_source=finextrafeed Fri, 09 Jun 2023 11:14:00 GMT Speaking at TCF 2023, Adam Gable, Product Director Financial Crime, Treasury & Risk, Temenos, and Hani Hagras, Chief Science Officer, Temenos, discuss what the spread of instant payments means for financial crime mitigation and how AI and automation can help prevent fraud and maintain compliance. https://www.finextra.com/videoarticle/2911/in-focus-monitoring-for-market-abuse-across-related-instruments?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/videoarticle/2911/in-focus-monitoring-for-market-abuse-across-related-instruments?utm_medium=rssfinextra&utm_source=finextrafeed Fri, 09 Jun 2023 10:01:00 GMT Ian Hawkins, Head of Product Management, Nasdaq, discusses key trends in the surveillance space, including recent prosecutions, single instrument manipulation and the challenges found with monitoring across related securities. https://www.finextra.com/videoarticle/2904/trends-shaping-the-state-of-financial-crime-2023?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/videoarticle/2904/trends-shaping-the-state-of-financial-crime-2023?utm_medium=rssfinextra&utm_source=finextrafeed Wed, 24 May 2023 16:43:00 GMT Iain Armstrong, Practice Lead, Regulatory Affairs, ComplyAdvantage, and Alia Mahmud, Practice Lead, Regulatory Affairs, ComplyAdvantage, discuss the key findings in their recent research report on the state of Financial Crime in 2023, offering insights into what financial institutions need to consider regarding reputational risk and exploring the practices that are navigating compliance process challenges. https://www.finextra.com/videoarticle/2901/the-future-of-resilient-cbdc-systems--cross-border-architecture?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/videoarticle/2901/the-future-of-resilient-cbdc-systems--cross-border-architecture?utm_medium=rssfinextra&utm_source=finextrafeed Tue, 23 May 2023 13:11:00 GMT Beju Shah, Head of Nordic Centre, BIS Innovation Hub, Bank for International Settlements, speaks at NextGen Nordics 2023, about the Hub's latest projects that are looking into creating resilient CBDC systems, building a new architecture for cross-border retail CBDCs, and using data to combat money laundering across firms and boarders. https://www.finextra.com/videoarticle/2896/the-innovation-pushing-digital-identity-forward-part-2?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/videoarticle/2896/the-innovation-pushing-digital-identity-forward-part-2?utm_medium=rssfinextra&utm_source=finextrafeed Thu, 04 May 2023 13:30:00 GMT Stephen Curran, Chair of the Board Of Trustees Sovrin Foundation, Identity Consultant, speaks with Andrew Smith, RTGS.global, in FinextraTV’s Tech Uncovered Series. Continuing their discussion, they examine innovations driving digital identity including blockchain, offline verification of identity, anonCreds, privacy-protecting technology, linked secrets, and zero knowledge proofs. https://www.finextra.com/videoarticle/2895/the-innovation-pushing-digital-identity-forward-part-1?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/videoarticle/2895/the-innovation-pushing-digital-identity-forward-part-1?utm_medium=rssfinextra&utm_source=finextrafeed Thu, 04 May 2023 13:24:00 GMT Stephen Curran, Chair of the Board Of Trustees Sovrin Foundation, Identity Consultant, speaks with Andrew Smith, RTGS.global, in FinextraTV’s Tech Uncovered Series, discussing digital identity, covering the topics of self-sovereign identity (SSI) and Sovrin, verifiable credentials (VCs), the use of blockchain for identity, scalability of blockchain-based identity, and resilience. https://www.finextra.com/videoarticle/2885/the-emerging-technologies-reshaping-financial-services?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/videoarticle/2885/the-emerging-technologies-reshaping-financial-services?utm_medium=rssfinextra&utm_source=finextrafeed Fri, 21 Apr 2023 10:15:00 GMT Sophia Bantanidis, Future of Finance, Citi, speaks at Innovate Finance Global Summit 2023 about developing the potential for tokenization via blockchain, what successful adoption looks like, and when mass adoption can be expected. https://www.finextra.com/videoarticle/2869/improving-security-and-cx-without-compromise?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/videoarticle/2869/improving-security-and-cx-without-compromise?utm_medium=rssfinextra&utm_source=finextrafeed Wed, 12 Apr 2023 11:26:00 GMT Speaking to FinextraTV, Constantin Mareș, EMBA, Chief Digital Officer, OTP Bank Romania, and Seshika Fernando, VP for Banking and Financial Services, WSO2, discuss how to navigate the tension between delivering a good customer experience and meeting the evolving challenges of securing customer data and improving security. https://www.finextra.com/videoarticle/2866/why-is-3ds-adoption-important-for-merchants?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/videoarticle/2866/why-is-3ds-adoption-important-for-merchants?utm_medium=rssfinextra&utm_source=finextrafeed Tue, 04 Apr 2023 11:52:00 GMT Speaking at Merchant Payments Ecosystem 2023, Ivan Vukelikj, Senior Product Manager Secure Digital Payments, Netcetera, discusses how the adoption of 3DS will contribute to the improvement of digital payment services. https://www.finextra.com/videoarticle/2862/the-emergence-of-risk-orchestration-technology?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/videoarticle/2862/the-emergence-of-risk-orchestration-technology?utm_medium=rssfinextra&utm_source=finextrafeed Wed, 29 Mar 2023 17:07:00 GMT Speaking at Trust:Live 2023, LexisNexis® Risk Solutions Market Planning Director, Chris Foye, discusses how risk orchestration technology is transforming the way in which organisations evaluate and build digital trust with their customers. https://www.finextra.com/featurearticle/2763/network-analytics-how-to-uncover-financial-crime-risk?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/featurearticle/2763/network-analytics-how-to-uncover-financial-crime-risk?utm_medium=rssfinextra&utm_source=finextrafeed Fri, 04 Aug 2023 09:21:00 GMT Watch this webinar on the importance of network analytics with financial crime and compliance organisations, and best practices for deploying this technology. https://www.finextra.com/featurearticle/2761/ai-regulation-and-innovation-is-a-risk-based-approach-the-best-option-for-payments?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/featurearticle/2761/ai-regulation-and-innovation-is-a-risk-based-approach-the-best-option-for-payments?utm_medium=rssfinextra&utm_source=finextrafeed Mon, 31 Jul 2023 13:57:00 GMT Attend this webinar, in association with Napier, to discover how AI can be responsibly implemented by payments firms to help combat financial crime. https://www.finextra.com/featurearticle/2730/fraud-prevention-with-machine-learning-stream-processing-and-real-time-data-management?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/featurearticle/2730/fraud-prevention-with-machine-learning-stream-processing-and-real-time-data-management?utm_medium=rssfinextra&utm_source=finextrafeed Fri, 26 May 2023 11:42:00 GMT Watch this webinar on how management of real-time data can be used to combat fraudsters’ sophisticated attack vectors in a time-effective manner. https://www.finextra.com/featurearticle/2728/generative-ai-managing-unreliability-in-financial-services?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/featurearticle/2728/generative-ai-managing-unreliability-in-financial-services?utm_medium=rssfinextra&utm_source=finextrafeed Tue, 16 May 2023 10:59:00 GMT What are the key challenges for financial institutions aiming to deploy AI tools in customer facing positions? How can institutions reduce risks associated to AI unreliability? https://www.finextra.com/featurearticle/2718/cloud-native-how-can-banks-achieve-efficiency?utm_medium=rssfinextra&utm_source=finextrafeed https://www.finextra.com/featurearticle/2718/cloud-native-how-can-banks-achieve-efficiency?utm_medium=rssfinextra&utm_source=finextrafeed Wed, 12 Apr 2023 12:06:00 GMT Watch this webinar, in association with Mambu and Microsoft Research, to learn how financial organisations can define efficiency to strive to leverage the benefits of cloud-based, digital solutions. https://www.finextra.com/banners/banner.aspx?opt=ad&baid=7253 https://www.finextra.com/banners/banner.aspx?opt=ad&baid=7253 Tue, 01 Aug 2023 00:00:00 GMT [Upcoming Webinar] SCT Inst: Creating Innovation through Compliance