60 to 70% of your customer book is due for periodic review at any given time. KYC staffing fell 14% globally in a single year. The analysts you still have are burning out on a queue that never shrinks. And regulators have already moved past periodic review as the standard. Enforcement actions in 2024 and 2025 specifically penalized banks for relying on outdated customer profiles and failing to implement event-driven monitoring. Perpetual compliance is where enforcement is heading. Most KYC operations are not there yet. Two-thirds of institutions are still in the embryonic stage. Not a single firm in a recent industry survey self-identified as having mostly implemented it.

The gap is not a technology gap. It is an operating model gap. Perpetual compliance touches every function: the CCO justifying budget to a CFO who wants SG&A to grow slower than revenue, the Head of KYC Ops redesigning workflows without stopping the production line, the CDO fixing a data foundation that is not ready for event-driven triggers, the Head of Operations Technology connecting continuous monitoring to infrastructure built for batch processing, and the Head of Client Onboarding watching 70% of institutions lose clients to slow processes while compliance asks for more diligence, not less.

This roundtable puts all of those perspectives in one room to surface the real barriers, trade-offs, and implementation realities from people who are in the middle of this transition or trying to start it.