#SANCTION SCREENING

[fari2023]

Sanction Screening Software in Financial Institution

Sanction screening software is a crucial tool used by financial institutions, including banks, to identify and screen individuals and entities against various government and international watchlists, sanctions lists, and politically exposed persons (PEP) lists. The primary purpose of this software is to ensure compliance with global regulatory requirements and prevent financial institutions from inadvertently engaging in transactions with sanctioned individuals or entities.

Features and functions of sanction screening software typically include:

Watchlist Screening: The software cross-checks customer data, such as names, addresses, and other identifying information, against various watchlists provided by regulatory bodies.

Real-Time Monitoring: Sanction monitoring software often operates in real time, enabling immediate identification of any matches or potential matches with sanctioned individuals or entities during account opening, transactions, or any other customer interactions.

Automated Alerts and Workflow Integration:the software generates alerts for further investigation and appropriate action and  can promptly review and handle potential matches in accordance with the institution's internal policies.

Configurable Risk Assessment: The software allows for customizable risk assessment parameters, enabling institutions to prioritize and manage different levels of risk associated with potential matches more effectively.

Compliance Reporting: It facilitates the generation of comprehensive reports and audit trails for regulatory compliance purposes, demonstrating the institution's efforts to screen and monitor customer activities in accordance with international sanctions and anti-money laundering (AML) regulations.

Data Security and Privacy: Sanction screening software typically ensures robust data security and privacy measures to safeguard sensitive customer information and maintain confidentiality while conducting screening activities.

The Sanction Monitoring software solutions are designed to streamline the compliance process, reduce the risk of financial crime, and ensure that banks adhere to global regulatory requirements related to sanctions, anti-money laundering (AML), and counter-terrorist financing (CTF) measures. It is essential to consider the Best Sanction Screening softwares that is adaptable to regulatory requirements.For best screening software for your financial  business Ixsight’s Sanction Screening Software is the best solution. Detect, prevent and manage sanctions risk by screening customers and transactions in real time and make appropriately compliant risk decisions. By using our Sanctions Monitoring software – Run periodic watchlist checks. Screen with PEP, AML & Sanction lists and protect your organization.

to know us-https://ixsight.com/products/sanctions-check/

[effiyatech]

Regulation change for payment aggregators

AML laws for payment aggregators have changed!    2023 requirements by RBI for payment aggregators now make it mandatory to:  - Develop and timely update KYC  - Conduct thorough due diligence and risk assessment of the merchants they onboard  - Develop Customer Acceptance policies  Monitor large transactions and submit transaction-related data to regulatory authorities as per the prescribed timelines and formats.   Keep and make available all customer information held with them.  Adherence to other AML and #counter-terrorism financing measures    Non-compliance with the new #regulations may lead to heavy penalties. To avoid the fines, payment aggregators are forced to make significant changes to their operations.    But for many of them these changes bring risks and expenses.    Majority of #AML related solutions have long implementation time and require programming professionals to install and operate them. Large volume of false positive alerts also forces businesses to spend on the investigation teams.   This is where Effiya solution can help you comply with ease:  Quick implementation  User interface for full control that doesn’t require programming skills  AI engine to reduce false positives.   For a demo, do email us on info@effiya.com

[cream-and-tea]

heyyy don’t mean to bother you but did you know that um. You, now - the ones listening to my idling progress from back home in Glottage - you’re telling yourselves; Val cannot possibly be growing angry over something like this. How dare she? The hypocrite. How can this thing, this monster, this battle-saint, possibly find any kind of righteous anger in her twisted and repurposed heart for the lives of the fallen foe? How does our terrible Val think she can justify any kind of anger at the sight of the flattened and buried corpses of enemy civilians and enemy children, when we’ve already been listening to her murder police officers, soldiers and townsfolk single-handedly in turn? How can she be furious when we’ve heard her butcher her way through the little old ladies of the CLS in the hopeless effort to murder her own faraway mother? (Mockingly) See? You can be sacred and yet self-aware. Yes, I am culpable. I am dreadful. I have been responsible for great atrocities and I will commit a great many more before I’m done. And still - I am growing furious, as I walk through the devastation of this town. Because the wound of Sutler’s Weald is not like any wound I would make. It’s clumsy, it’s crude. It’s thoughtless. I begin to tell myself, as I walk - I wouldn’t have murdered them like this. I would have been kinder. I would have killed them quickly or gracefully, and there would have been beauty and strangeness in the manner of it. And even that’s all deception, even if I had been cruel and slow and lingering in the massacre of these innocent people, upon my whim - I would at least have looked them in the eyes, and I would have borne the weight of my cruelty. If they’d asked me to, I could have killed this town beautifully. And I’d have borne witness to the horror, and I’d have rejoiced in it - and it would have been considerably less vile and ugly than this. The ones back home, the ones who are listening in, I don’t think they know what they’ve done here. The line of connection between the victim and the victimiser, the sacrifice and the god - it’s long, and tangled, and indistinct. A god should not be able to avert her eyes. What a terrible thing it must be, to be monstrous and not even know it. And even if all of this is lies, even if I am just as bad and just as careless as the people back home who did this to Sutler’s Weald… …well, then, let me hate them, pure and simply, for being just as bad as me, because people - -people should be kinder than the gods that eat them. The town square is largely intact. A few burning cars, a single shrine and statue to some goddess of victory, her snapped-off arm raised in imagined triumph. I sit down upon the pavement in the ruined heart of the town, and I tell the dead people of Sutler’s Weald beautiful lies. I tell them that they survived, in their hundreds - miraculously and inexplicably, dodging the bombs. Not a single victim, not one death. An act of divine mercy. When that doesn’t work, I tell them that they were buried properly, according to whatever rites or customs they happen to cherish. When that doesn’t work, I try and turn them into my mother again, in the hopes of making the dead people hateful to me. When that doesn’t work, I tell them that I’m sorry. I tell them I wish they still had ears to become all the wondrous imaginings I had in store for them. I tell them… …that all things considered, they deserved a better avenging and foreign god, a better tormentor, a better oblivion, than the one that was forced upon them. (With cold fury) I tell them- I will find a way to give them something better.

[sigma360]

Sanctions & Watchlist Screening | Sigma360

Efficiently manage compliance with the best sanctions screening software. Get real-time sanctions screening, robust watchlist screening, and top-tier sanctions screening tools. Powerful watchlist screening software to protect your business and meet regulatory demands.

[namescan]

Sanctions and pep screening | NameScan

[itsmercypriscilla]

ClearTrade®: A Comprehensive Solution for Trade Finance

ClearTrade from Cleareye.ai is an innovative platform that automates trade finance operations using OCR, ML, and NLP technologies. This advanced solution improves accuracy and efficiency in trade document management.

Trade Finance Challenges Today

Trade finance is crucial for global trade but is plagued by challenges. Regulatory compliance, preventing trade-based money laundering (TBML), and detecting dual-use goods are major concerns. The need for reliable document examination software and sanctions screening tools adds further complexity to trade operations.

Significance and Impact of Challenges

These challenges have a significant impact on trade finance operations, leading to higher costs and inefficiencies. Non-compliance can result in severe penalties, while manual processes introduce errors and delays. Addressing these issues is essential for maintaining smooth and cost-effective operations.

ClearTrade Solutions

ClearTrade offers comprehensive solutions to these challenges:

Trade Finance Automation: Streamlines document processing, enhancing efficiency and reducing errors.

Trade Compliance Solutions: Ensures adherence to regulatory requirements, mitigating legal risks.

Document Examination Software: Facilitates accurate classification and extraction of trade documents.

Sanctions Screening Tools: Identifies and mitigates potential risks, ensuring secure transactions.

Trade Based Money Laundering Red Flag Automation: Detects and prevents TBML activities, safeguarding financial institutions.

Conclusion

ClearTrade® stands out as the optimal solution for trade finance operations, offering significant operational savings and ensuring regulatory compliance. To explore how ClearTrade can transform your trade finance operations, visit ClearTrade.

[eastnetsblogs]

Shielding Your Business from Financial Crime: The Power of Screening Against Sanctions Lists

Financial crimes are on the rise. Money launderers, terrorist financiers and other bad actors have developed increasingly sophisticated means of moving illicit funds through global financial systems. Businesses must take measures to safeguard themselves from being exploited by these criminals. But with millions of customers and transactions, how can you effectively screen them all? The answer lies in the scope of screening against the financial sanctions list.

What are Financial Sanctions Lists?

Financial sanctions lists thousands of individuals, organisations and even entire countries who have been sanctioned by regulatory bodies like the UN, OFAC or EU for various acts including terrorists, drug traffickers and human rights abusers as well as companies or banks which facilitate illegal activity. It's crucial that customer names and transaction details be cross-checked against these lists so as to avoid inadvertent dealings and avoid financial ruin.

Who Needs Screening Solutions?

All businesses dealing with payments - banks, FinTechs and money services providers alike - require sanction screening software. Even manufacturers and exporters dealing internationally require screening to ensure compliance. Failure to do so could lead to steep regulatory fines, lawsuits and irreparable reputation damage that cannot be amended.

What Are the Principles Behind Screening?

Screening solutions leverage databases of sanctioned entities from worldwide. Advanced algorithms quickly check customer and transaction data against these databases in order to detect matches - helping prevent illegal activity before it even happens.

What Are the Reasons for Automated Solutions Being Necessary?

Manual screening can be cumbersome and error-prone when faced with over 1.5 million entities constantly updating sanctions lists, making manual screening unfeasible and ineffective. Automated solutions offer real-time screening of millions of transactions in seconds for greater accuracy, allowing resources to focus more closely on high-risk cases rather than spending their time performing tedious manual reviews.

Final Words:

Criminals exploit loopholes in today's digitised economy in every way possible, but with the scope of screening against the financial sanctions list, you can stay one step ahead of them and protect both your business and community by not dealing with those involved in financial crime.

[zoya34]

Unlock Global Success with Zigram's Comprehensive World Compliance PEP List

Simplify due diligence, mitigate risks, and enhance your business's credibility. Explore the power of compliance made easy, embrace success worldwide with Zigram's World Compliance PEP List – your key to a secure and prosperous global journey.

[chetantrex]

[manishroyy]

Secure Your Business with Zigram's Global Sanctions Screening Solutions

In a globalized business landscape, compliance with international sanctions is non-negotiable. Zigram introduces state-of-the-art Global Sanctions Screening solutions crafted to meet the highest compliance standards, ensuring the integrity and security of your business.

Key Features:

Comprehensive Sanctions Database:

Zigram's Global Sanctions Screening accesses an extensive and regularly updated sanctions database, providing you with comprehensive coverage for effective compliance screening.

Real-Time Screening:

Stay one step ahead with real-time screening capabilities, allowing you to detect and address potential compliance risks promptly, maintaining the highest standards of global business integrity.

[sw5w]

Oh, No! No!

STAR WARS EPISODE I: The Phantom Menace 01:00:02

[amlpartners]

Aml Monitoring Program - Aml Partners

What are the 4 components of AML program?

AML compliance software refers to technology solutions designed to help organizations comply with Anti-Money Laundering (AML) regulations and prevent financial crimes such as money laundering and terrorist financing. These software systems use various tools and functionalities to automate processes, monitor transactions, and flag suspicious activities within financial institutions.

Key features of AML compliance software may include:

Customer Due Diligence (CDD): Collecting and verifying customer information to assess the risk associated with each client.

Transaction Monitoring: Tracking and analyzing transactions in real-time to detect unusual or suspicious behavior.

Watchlist Screening: Checking customers against global watchlists to identify individuals or entities involved in illegal activities.

Reporting and Documentation: Generating reports and maintaining records to comply with regulatory requirements.

Risk Assessment: Evaluating and assigning risk levels to customers or transactions based on various parameters.

Automated Alerts: Notifying compliance officers of potential risks or suspicious activities for further investigation.

Integration Capabilities: Connecting with other systems or databases for seamless data sharing and analysis.

AML compliance software is crucial for financial institutions to meet regulatory obligations and mitigate the risks associated with financial crimes. These tools help streamline compliance processes, reduce manual errors, and enhance the overall effectiveness of AML efforts.

[leashybebes]

8x15 coda redux

after that, there's this. this is rough as hell, gang, and i don't know if i'll ever polish it up. i mostly wrote this on my phone in between pulling up weeds in the garden.

Evan cries on him for several minutes. His whole body shakes with it, and the sound of it tattoos itself indelibly on Tommy's eardrums, overwriting every other horror that's ever jolted him awake from a nightmare before. And then something happens that Tommy's only ever seen happen before in warzones and in the mirror, when he's had a white-knuckled grip on a hand basin, and an even tighter grip on the remnants of who he is as a person.

Evan pushes away from him, sits up, scrubs his hands over his face. His shoulders straighten, his back stiffens, his jaw tightens. He clears his throat and a different person looks at him out of Evan's eyes, made dull by the low light and the things that have happened. They've never knowingly worked a sanctioned scene together before, but he thinks this is what Evan must look like when he takes charge in the field.

In a croaky but remarkably steady voice he says, "I need you to go."

"Evan - " Tommy tries to protest and Evan holds out a hand.

"I need you to go check on Ravi and the others. Ravi first. Then Karen. If I'm not out in ten minutes, I need you to call Eddie."

"I - "

"Tommy." Evan's voice is flat, worryingly steady for a man who was so thoroughly falling apart a couple of breaths ago. "I'm telling you what I need from you. Do it, please."

Tommy does as he's told. 

He finds Ravi and Karen together, isn't sure what he says past Evan sent me. He borrows Karen's phone, his own having been confiscated somewhere along the way, and he counts down the minutes carefully while he keeps one eye on Ravi.

Once ten minutes have elapsed with no sign of Evan or Athena, he scrolls through Karen's contacts until he finds Eddie's number. He doesn't bother to calculate the time difference to El Paso. This isn't a 'wait until a civilized hour' kind of call, and he hates that he's the one making it. Not for himself, but for Eddie, for Evan. He doesn't think he's what either of them need right now.

There isn't enough time for it to be awkward between Eddie answering a call from Karen's number and hearing Tommy's voice.

"Fuck," Eddie says. "Who?"

"Bobby," Tommy tells him.

"Shit. How - how bad?"

"Eddie…"

"You're - you're kidding."

It's a reflex, Tommy knows that. Eddie doesn't think that poorly of him, whatever else he might think.

"I'm really sorry."

Eddie's voice is tinny when it comes next, like Tommy's abruptly been put on speaker. "I'm finding a flight. Everyone else?"

"Physically, yeah. They'll be fine. I think Karen's going to start laying out FBI agents if we don't get to a hospital soon."

"FB - Man, what the fuck happened?"

Tommy gives him as much of an overview as he can, then stops abruptly. There's activity at the main doors.

"Eddie, I gotta go. I'll get Evan to call you from the hospital."

"Okay. I'll be there late evening."

"I'll let them know."

Tommy sees - jesus christ - the body bag, Athena swept away in a huddle of uniformed figures and then catches sight of Evan. He's ramrod straight, phone in his hand, pointing at the screen as he goes toe to toe with someone Tommy's willing to bet has the authority to ruin all their lives. Well. Relatively speaking.

"One button, Major," he hears Evan say as he gets close enough. "You can throw me in whatever black hole you want after, but unless my people are released into medical care right now, one button is all it takes to send all this to the best, meanest investigative journalist on this coast."

"Firefighter - "

"Look at me," Evan says, quiet. "Look at my face and tell me I'm bluffing."

Under any other circumstances, it would be wildly attractive.

The Major turns, already radioing orders, and Evan's left alone for a second. The rigidity in every bone of Evan's body doesn't ease even a little, and Tommy walks up to him with the strange sense that Evan's not there, not in the ways that matter. Not that he's insubstantial, but in that he's too solid to be really real.

"What do you need me to do?" Tommy asks.

Evan, hands on his hips, looking over Tommy's shoulder, eyes moving like he's doing a headcount, so solid he might as well be carved of marble, says, "Come to the hospital."

Tommy goes to the hospital. 

Time passes in the strange expanding and contracting way it does after a loss. Tommy fetches coffees, hands out a vending machine's worth of snacks, keeps himself on the periphery. Once it's confirmed that Hen and Chimney are pulling through okay, once Evan is occupied with Athena's kids, he slips away to the bathroom, locks himself in a cubicle and sobs for five minutes. He can't believe - he can't believe - 

When he gets back to the waiting room, Evan's gaze zeroes in on him immediately, but it's a minute before he crosses the room to Tommy and looks at him intently.

"Where'd you go?" he asks, and for a second, the hardness in his voice makes Tommy think he's mad. But it's not that. It's concern. Concern for Tommy, right now, of all times.

"Bathroom," Tommy manages. "What do you - "

What do you need, what can I do, please please please just tell me how to help you.

Evan reaches out and squeezes his shoulder.

"It's okay," he says. "I know he meant a lot to you too. You should sit down."

"Evan."

"Sit down," Evan says again. "Drink some water. Eat some terrible vending machine snacks. I need to go check on Athena."

Tommy does as he's told.

It takes a long time, but finally, Evan's ready to leave the hospital. Not before he's sent Ravi off with Maddie's house keys to get stuff for Jee Yun and take it to the Lees' place, not before he's had a long phone conversation with Hen's mom, not before he's organized rides for everyone else in their rag-tag group who wound up at the hospital, not before he's worn himself to the bone. But eventually.

"I'll drive you home," Tommy says.

Evan nods, eyes on his phone screen. "Eddie's going to take an Uber from the airport. I can't get hold of Bobby's brother, but I'll keep trying while you drive."

"Okay," Tommy agrees. He doesn't know this guy. He doesn't know this version of Evan - he knew there was steel at the core of him, but he doesn't know this version where everything else has been stripped away.

When they get to Evan's house, he still hasn't managed to get Bobby's brother on the phone, but he's left a calm, even-toned message asking him to call. 

The house is almost unrecognizable from the last time Tommy was here - fully unpacked, fully Evan's in a way that feels startlingly strange. Evan unlocks the door and heads straight for the linen closet, starts putting covers on spare duvets and pillows. Tommy trails after him, helps him make up the bed in the spare room, feeling like he's on the other end of a string tied to the pin in a hand grenade.

"Evan," he says, when the room is done.

"I need to - " Evan starts.

"I think you need to sit down," Tommy interjects.

"No," Evan says, not mad or even loud, but unquestionable. "No, I don't need that."

Tommy feels like he's being turned inside out, like all the things Evan must be feeling are being transferred over to him for want of anywhere else to go.

"Evan," he says again, like it's the only word he knows.

"No. B-Bobby said they would need me. And they do. So I don't need to sit down. I need to - I need - "

"Did he say anything else?" Tommy asks.

It's a risk, but not a huge one, he thinks. In the unlikely event it's a no, Tommy gets an unexpected addition to the list of authority figures he wants to fistfight in an afterlife he doesn't think exists. 

Evan blinks at him for a moment, then looks away. 

"I'm going to do some batch cooking for Athena and the kids. You can help, or you can go to the store, or you can just go."

"Evan - "

"What, Tommy?" The snap in Evan's voice sounds like it hurts. "What do you want me to say? This isn't about me."

And that's just - that's just the wrongest thing Tommy's ever heard.

"Of course it's about you."

"No - " Evan says, pulling out his phone again and scrolling like a message from Bobby's brother will have appeared, despite the fact that he's cranked the ringtone up, and the house is a silent as - well.

"It's about you too. Evan, just stop. What else did Bobby say?"

He's prepared for that's none of your business, he's prepared to be shoved aside, he's prepared even for Evan to throw a punch, although that seems vanishingly unlikely. Whatever else Evan is right now, whatever emotions are running the show, he's Evan.

He's not prepared for the way Evan's face crumples, for the way the phone drops from fingers that seem to have gone nerveless. They were already close enough that when Evan pitches forward, it's directly into Tommy's waiting arms.

"He said - he said - he said he loved me," Evan says, and, well. Tommy feels like that probably went without saying for a lot of years, and he can't imagine how it must have felt to have it said right there, like that. Evan's not crying, but he is shaking, like everything is catching up to him all at once.

"He did," Tommy says. "Of course he did."

"No - Tommy - he said I'd be okay. But I'm not - I'm not - I'm not okay."

"Of course you're not."

"But they need me."

Tommy takes a breath, feels like he's inhaling broken glass. "They're not here. You can be not okay with me."

Evan shakes his head against Tommy's shoulder, tries to pull away. Tommy doesn't let him.

"E-Eddie'll be here soon."

"Yeah," Tommy says. "So let's be not okay until then."

Evan takes a shuddering breath in. Lets out a single sob that shakes his whole body. Weeps.

[ilovemilestellersmoustache]

Letters I Couldn’t Send

Bob Reynolds x Thunderbolts!reader

Summary: Bob's been feeling lonely in between missions especially when Y/n isn’t there to occupy his mind, so he decides to try therapy. There it's suggested he writes his feelings out. But what happens when the letters get out to her?

WC:4.3K

A/N: Well his definitely couldn’t of had a much more satisfying ending but in outta ideas guys please send me suggestions

⸻

It started with the silence.

Not the battlefield kind, Bob could handle that. That noise had a rhythm, a reason. The thunder of explosions, the sharp crack of gunfire, the barking of orders over comms, it all had a place. It meant something. Chaos with a cause.

But the silence in between missions?

That was different. That was the kind that lingered like smoke, curling around his ribs, felt like a question he didn’t know how to answer.

The team had shipped out again. Another international crisis. Another mess the Thunderbolts had been sent to clean up. This time it was Seoul, some subterranean weapons lab under the city that had to be neutralized before things got out of control. A high-risk, high-stakes mission.

Bob hadn’t been cleared to go.

He never fought the orders. Not anymore. There were a few missions within the year he was able to go, but not after what happened the last time he’d pushed it. He knew better. When the possibility of unleashing the Void even whispered into the room, the protocols snapped into place like a cage around him.

Stand by.

Stay ready.

Do not deploy unless sanctioned.

Those words, cold and clinical, had carved themselves into the soft tissue of his brain. And so he stayed behind. As always.

And now… now it was just him, alone in the tower. The rest of the team was who knows where, halfway across the world, running through smoke and fire. Maybe Ava was phasing through walls. Maybe Yelena was laughing in that sharp, unbothered way as she cracked someone’s ribs. Maybe Bucky was gritting his teeth through another close call. He could almost see it all. Feel it.

Meanwhile, he sat in a worn-out hoodie on the rec room couch, staring at the flickering screen of a movie he didn’t remember choosing. The credits had rolled five minutes ago, but he hadn’t moved. Didn’t blink. Just sat there in that electric stillness, his coffee long gone cold in his hand, the cup sweating against his palm.

That silence was the worst kind. The absence. The hollowness.

On good days, Y/N was there to fill it. Her laugh, her voice, her presence, it was like light through a cracked door. Just enough to remind him that the darkness wasn’t total. That he wasn’t always a ticking time bomb. That sometimes, someone saw him as more than the Void’s vessel. That someone could love him anyway.

But she was on the Seoul mission, too.

And without her…

It was like something had been scooped out of him and never put back. The walls felt closer. The silence had teeth now, and it bit every time he looked.

He didn’t blame the team. Of course he didn’t. It wasn’t their fault he couldn’t be trusted, not really. The risk was real. He knew it. They followed orders. They didn’t write them. Still, knowing that didn’t stop the isolation from curling around him like smoke, quiet, creeping, inescapable.

He tried to distract himself. He worked out until his muscles screamed, then showered in water too hot to be comfortable. He tried reading but couldn’t focus past the same three sentences. The TV offered its flashing noise, but none of it landed. Everything felt… detached. Like he was watching the world through glass.

Three days.

Seventy two hours of radio silence, punctuated by brief check-ins from mission control.

No voices he wanted to hear.

No knock on his door.

No trace of her.

On the third night, long after the bunker had gone still and the movie had long since ended, Bob sat there with the remote loosely clutched in his fingers and the cold coffee in his other hand, staring at the black screen that reflected only a faint, distorted version of himself.

He looked haunted.

He felt haunted.

And not by ghosts, exactly. Not even by the Void, though that shadow was always somewhere at the edge of his vision. No, this was something worse. Something smaller, but deeper.

The ache of being forgotten.

The ache of still being here, when the world kept turning without him.

His throat worked around a dry swallow. He hated how dramatic he sounded, even inside his own head. He was alive. Safe. Fed. Sheltered.

But he was also invisible.

And for the first time in a long time, Bob Reynolds thought, not about the darkness, not about the power sleeping beneath his skin but about something gentler. Something simpler.

Maybe I should talk to someone.

Not about the Void. That would come with too many complications.

Not even about the past stories or the weight of being left behind.

Just… about being alone.

About what it did to him.

About feeling like a ghost in his own skin.

And maybe, just maybe, if he said it out loud…

It wouldn’t feel so permanent.

⸻

The therapist’s name was Dr. Madani.

Mid-forties, calm eyes, no nonsense. She wore neutral colors and practical shoes, and her voice had the kind of steadiness that made you believe she wouldn’t flinch even if the walls started to bleed. That first session, Bob had waited for the telltale sign, disbelief, discomfort, judgment when he told her exactly why he was there.

That he was part of the New Avengers?That he had powers that could level cities if he lost focus? That sometimes, he wasn’t allowed to leave the country, not because he’d done something wrong, but because if he got too emotional, reality itself might tear open like wet paper.

She didn’t blink. Didn’t ask him to repeat it. Just nodded once and scribbled something calmly into her notebook.

That was a good sign.

Better than good. It was rare.

So he kept coming back.

Once a week. Tuesday mornings. Early, before the rest of the compound stirred too much. He liked it that way, quiet halls, empty coffee pots, sunlight just beginning to filter through reinforced windows. He sat on the same couch every time, hands braced on his knees, sometimes talking, sometimes not. Dr. Madani never pushed. She asked questions like she was handing him a flashlight, not leading him anywhere he didn’t want to go.

And slowly, very slowly, the words started to come. About the silence. About the guilt of being spared from missions he wanted to join. About feeling like his existence was always something to be managed, measured, mitigated. Not lived.

He didn’t tell anyone at first.

Not because it was a secret.

It just felt… personal. Sacred, even. Like something he needed to protect. A small part of himself that hadn’t yet been cracked open by the Void.

But eventually, people noticed.

It started in little ways. He was a bit more grounded. A bit less like he might disintegrate if someone looked at him too long. A bit more… here.

Yelena was the first to say anything.

She poked him in the arm one afternoon after training and gave him a once over, lips pursed. “Therapy?” she asked, like it was a codeword.

Bob blinked. “Uh… yeah.”

“Good.” she said with a sharp nod. “Maybe now you won’t look like you’ve seen a ghost every morning.”

Then she grinned, wide and wolfish, and wandered off before he could respond.

John, never one for subtlety, clapped him on the back so hard Bob nearly dropped his water bottle. “You’re seeing someone?” he asked, then immediately corrected himself. “Like a therapist someone?”

“Yeah.”

“Figured, couldn’t be a woman.”

Bucky in the background expression shifted into something more sober. “Good man. Wish I’d started sooner. Might’ve saved myself a couple bad years.”

Bob wasn’t sure how to respond, so he just nodded. They didn’t have to say it all out loud. Not every wound needed to be unpacked in public.

Alexei found out next. Over breakfast. The Russian looked up from a plate piled with bacon and muttered, “Ah, Westerners. Always with the talking.” in that deep, sardonic tone of his.

But it came with a rare approving nod. One of those subtle things Alexei did when he didn’t want to make a big deal out of being proud of someone.

Ava didn’t say much. She never did.

But one evening in the corridor, she passed him on the way to her room, paused, and met his eyes. No smile. Just a shared, quiet understanding. A nod of solidarity from one ghost to another.

And then there was you.

You found out by accident, really caught the tail end of a conversation between Bob and Dr. Madani over the phone as he tried to reschedule a session after dinner ran long. You didn’t press. Didn’t joke, didn’t pry.

Just waited until the next time the two of you were alone, in the stillness of his quarters where the air always smelled faintly like cedar and coffee, and said, gently.

“I heard… you’ve been talking to someone.”

Bob stiffened, a little embarrassed. He opened his mouth to downplay it, but you stepped in before he could.

“I’m proud of you.” you said.

Simple. Quiet. Honest.

And that-

That undid something in him.

Like a thread pulled loose from a tightly woven net, a quiet unraveling that wasn’t painful, just… necessary. The tension in his chest gave way to something warmer. Softer. Real.

He looked at you, really looked, and saw the sincerity in your eyes. No pity. No worry.

Just love. Just you.

His voice caught in his throat, but he didn’t need to speak.

You knew.

You always knew.

And in that moment, for the first time in months, Bob Reynolds felt less like a walking disaster waiting to happen… and more like a man becoming whole.

⸻

Session 9

Topic: You.

He hadn’t walked in planning to talk about you.

That morning had been like the others, gray sky, stale coffee, muscles sore from a workout he barely remembered doing.

Bob had come in wanting to talk about anything else.

But somewhere between describing the chaos in his life and feeling alone and how he’d locked himself in the tower for twenty hours afterward just to feel again, you slipped in.

You always did. Eventually.

“She’s different.” he said quietly, almost without thinking. “Y/N, I mean.”

Dr. Madani didn’t flinch. She never did. Just tilted her head the way she always did when something important passed between the lines.

“How so?”

Bob stared at the ceiling for a long moment, fingers laced together in his lap. “She doesn’t look at me like I’m going to break.”

“Who does?”

“Everyone.” he said. And it wasn’t bitter. It wasn’t even angry. It was just true.

Dr. Madani nodded slowly, absorbing that.

“But she doesn’t.” he continued. “She doesn’t tiptoe around me. Doesn’t treat me like glass. When she talks to me, it’s like…” He paused, struggling for the right shape of the thought. “It’s like I’m me. Not Sen- Not a broken man. Not whatever nightmare people think I could become.”

“You trust her.”

That landed like a stone dropped into still water.

He nodded. “Completely.”

Dr. Madani leaned forward, just slightly. Her tone softened, but there was steel beneath it. “Do you have feelings for her?”

He hesitated.

Not out of denial, but out of reverence. As if the truth might shatter something sacred.

Then he breathed out and said, “Yeah. I think I love her.”

The words changed the air in the room. Denser. Heavier. Not oppressive, but real. Like the truth had settled onto the couch next to him, folding its hands neatly in its lap.

He didn’t look at her when he said it. He looked at the floor, where his boots had tracked a bit of mud in from the rain. It felt safer, somehow, than meeting anyone’s eyes while admitting that.

Dr. Madani’s voice cut gently through the silence. “So why haven’t you told her?”

Bob stared, long and slow.

“I don’t know how to explain it.” he said. “She sees the real me. The part I don’t show anyone. And I think if I try to have more… if I try to touch that kind of happiness…” He swallowed hard. “I’ll ruin it. I’ll ruin her.”

“You’re afraid.”

He didn’t argue. Just stared at his hands, watching how they trembled ever so slightly.

“Yeah.”

For a long moment, there was only the soft ticking of the office clock.

Then Dr. Madani leaned forward slightly, resting her elbows on her knees. “Try this.” she said. “Write it down. Letters. Say what you want to say to her but don’t give them to her. Not yet. Keep them for yourself. Get the words out of your head.”

He looked up, brow furrowed.

“Even if you never show her?” he asked.

“Even then.” she replied. “Letting love exist on the page is still better than letting fear keep it caged.”

He didn’t say anything, but the thought rooted in his chest, somewhere between his heartbeat and the Void.

That night, when the tower was quiet again and everyone was asleep, he sat at his desk under the soft buzz of the overhead lamp, a pen between his fingers and an untouched notebook in front of him.

For a while, he just stared.

Then, finally, he wrote:

Y/N,

You don’t know this but when I hear your voice, the noise in my head quiets. The shadows settle. The Void gets smaller. I think that means something.

I think you saved me before I even knew I needed saving.

He stopped there.

Closed the notebook.

And for the first time in a long time, Bob went to bed feeling like something in him had been released.

⸻

Letter One

Not Sent.

Y/N,

You asked me once casually, like it was nothing, what the Void feels like.

I gave you the easy answer. Told you it was a black hole. And that’s true. It is. It’s gravity and hunger and noise. It’s this constant ache just under my skin, like I’m being pulled in two directions toward destruction, and away from myself.

But I didn’t tell you the rest. Not really.

The Void isn’t just darkness. It’s absence. Of peace. Of quiet. Of being seen. It’s like standing in the middle of a screaming crowd where every voice is my own, shouting all the worst things I’ve ever believed about myself.

And then there’s you.

When you talk to me even just in passing, about dumb things like who drank the last cup of coffee or how Ava pretends not to like that dumb soap opera you got her into the noise changes. It doesn’t vanish, not completely. But it dulls. It backs off, like it knows it doesn’t belong in the room when you’re in it.

You make the world quieter, Y/N.

You make me quieter.

And I think that’s what love is.

Not fireworks. Not grand declarations. Just… a quieting. A calming. Someone who makes all the chaos feel like it has somewhere to go.

You do that for me.

And maybe I’ll never say this out loud, not the way I should but I need somewhere to put the truth.

So here it is.

I think I’m in love with you.

⸻

He wrote after therapy.

After the sessions where he’d dig through the wreckage of his mind and come back with shards too sharp to hold. After days when Dr. Madani asked gentle, pointed questions that left him raw and humming with things he didn’t know how to say out loud.

He wrote after bad dreams, when the Void swallowed cities behind his eyelids, when he woke up choking on screams that never left his throat. He wrote because it was the only way to drain the darkness out before it rooted deeper.

And sometimes, he wrote after the softest moments. The ones that shouldn’t have meant anything.

Like watching you twirl a pen between your fingers during a mission briefing, utterly focused and unaware.

Like the way your brow furrowed when you were reading intel too fast.

Like the time your laugh, real, unguarded, echoed off the walls of the living room at 1 a.m. because Yelena told a joke so bad it looped back to being good.

Those moments lodged themselves in him like stars against an obsidian sky. They glowed when everything else went dark.

He wrote because he couldn’t tell you.

He wrote because he wanted to.

Because his hands could say what his mouth never would.

The letters piled up.

Neatly folded, tucked into the back of a weather-worn notebook no one ever touched.

No signature. No dates. Just page after page of aching clarity.

He didn’t need to claim them. They were all his.

All you.

Sometimes they were two sentences.

Sometimes five pages.

Sometimes just a line that repeated over and over again until the ink smudged:

Please don’t ever leave.

They weren’t meant for the light.

Weren’t meant to be found.

They were a quiet kind of survival. A confession without consequence.

But even as they sat hidden in the dark, they were something real.

Like the way he looked at you when he thought you weren’t watching.

Like the way he never said goodbye, only “Be safe.”

Like the silence that always followed after you left a room.

⸻

Then they were gone.

It only took one careless moment.

Late one night after training, the team had drifted into the bunker kitchen like ghosts, sweaty, half-laughing, bruised from sparring but wired from adrenaline. Yelena, still in her tank top and boots, ducked into the storage lockers for her secret stash of Russian chocolate.

Bob’s locker was just below hers. She nudged it with her foot, just to balance herself, and something shifted.

A low thud. Then a soft, papery sound like wings.

A field manual slipped out and landed on the concrete floor, its spine cracked from age and use.

“Oops.” she muttered, bending to grab it.

But when she reached down, her fingers brushed not one, but several loose pages, creased and tucked between the manual’s back cover and its binding. They scattered like leaves. Maybe a dozen. Maybe more.

She picked one up without thinking. Eyes skimmed.

Then stopped.

The words weren’t tactical notes. Not mission logs.

They were intimate.

You asked me once what the Void feels like…

Her stomach dropped.

Another page.

When you laugh or look at me like I’m just Bob, it’s like the noise goes quiet…

Her breath caught. She looked over her shoulder, eyes wide, then back at the paper in her hand like it had burned her.

This wasn’t a journal.

These were letters.

To Y/N.

Without waiting, she grabbed a few more pages, reading faster now, pieces of the same heartbreak pulled out of hiding:

Sometimes I don’t know if I want you to know how deep this goes. If you knew… you’d leave. Or worse, you’d stay, and it would break you.

I would never forgive myself for making you carry this weight, too.

I think you make me want to be something more than just a weapon.

Yelena stood frozen, heart pounding.

Footsteps padded in from the hallway. John, towel slung over his shoulder, drinking water from a bottle. “You find your chocolate or what?”

She didn’t answer. Just looked at him, eyes dark and unreadable.

Then she held up the pages like evidence.

“Guys…” she said, voice steady but soft. “You need to see this.”

Within minutes, the small living room was quiet. Too quiet.

John sat with one knee bouncing anxiously, flipping a page with careful fingers.

Ava stood against the wall, arms crossed, reading one of the shorter ones three times over and saying nothing.

Alexei muttered something under his breath in Russian that no one asked him to translate.

But it was Y/N’s arrival that shifted the air.

You walked in fresh from a shower, towel around your shoulders, hair still damp, laughing at something on your phone.

Then you stopped.

They were all looking at you.

And on the table in front of them, you saw the unmistakable handwriting you’d seen on Bob’s grocery lists, his mission notes, the corner of your birthday card this year.

And your name.

Over.

And over.

And over again.

The letters weren’t signed.

They didn’t need to be.

⸻

The team sat around the table. Quiet.

The kind of quiet that wasn’t natural for them. No joking, no casual bickering. Just the kind that settled in like fog before something heavy fell.

Yelena had spread the letters out like puzzle pieces, some wrinkled, some barely touched. All fragile in their own way.

“This is about Y/N.” she said, voice low but certain. “All of it.”

Ava, slow and careful, picked one up. Her eyes scanned it with that clinical precision she used when reading threat assessments. Only this time, her features softened.

“It’s him.” she said. “It’s Bob.”

John leaned back, frowning. He tapped a page with the back of his knuckle. “No shit sherlock.”

The second your eyes fell on the handwriting, tight, slightly slanted, every ‘t’ crossed with a deliberate flick you knew.

Because you’d seen it scribbled across mission logs, smudged onto napkins from midnight meals. Because once, during a stakeout in Argentina, you’d fallen asleep beside him and woke to find your name written in the corner of his notebook over and over like he was trying to memorize it.

Because only Bob would write something like:

You make the monsters quiet.

And suddenly it felt like the ground beneath you shifted. Not in a way that knocked you over. But in that slow, undeniable way earthquakes start, quiet and deep and unstoppable.

You stepped forward, hand hovering over the letters like they were sacred. Your eyes flitted across half-finished thoughts, tear-stained lines, pages where he’d scratched something out only to rewrite it again a few lines down.

I watch you brush your hair behind your ear, and it’s like watching sunlight bend.

If I were braver, I’d tell you. But I think if I did, something inside me might unravel for good.

You are the only silence I’ve ever trusted.

The breath caught in your throat.

You didn’t cry. Not yet.

But your fingers curled slightly, like you were gripping onto air to stay steady.

Yelena watched you carefully, saying nothing for once.

No one spoke. No one moved.

The room belonged to you now. You, and the weight of what he’d kept hidden.

All those nights Bob had stayed behind while the rest of you flew into chaos. All the long silences. The soft, watchful way he looked at you when he thought you wouldn’t notice. The way his voice always softened when he said your name.

It was never nothing.

And now, it was everything.

⸻

You found him on the roof.

Of course you did.

It was the only place he ever went when the bunker walls started closing in, when the weight of what he was, what he carried, got too heavy to breathe through. Up there, the night sky was endless and forgiving, and no one asked him to be a hero or a ghost. Just a man.

The wind tugged at your sleeves as you stepped beside him, silent at first.

He was sitting near the ledge, knees pulled up, hands clasped tightly between them like a boy waiting for punishment or a prayer to be answered.

You stood there for a long moment before you spoke.

“I found the letters.” you said softly.

His head jerked slightly. “What? I mean- what letters, I-“

But the panic in his voice was already giving him away.

He flinched, shoulders curling inward. “They weren’t supposed to get out, you weren’t supposed to see that-“

“I know.”

Silence again. The wind whistled low between the buildings below, a distant car horn echoing like it belonged in another life. He still didn’t look at you. His jaw tightened, and you could see the twitch in the muscle near his temple, an old tic from when he was trying not to fall apart.

“I was scared.” he said eventually, voice raw. “Not of you. Of what I’d do to something good.”

He swallowed hard. “You’re good.”

You sat next to him. Not touching, yet. Just close enough that the heat from your shoulder brushed his.

“So are you.” you said.

He let out a broken laugh. Shaky. Bitter.

“That’s not true.”

“It is to me.”

And that’s when he looked at you. Really looked.

Not the sidelong glances in mission briefings. Not the half-second stares when he thought you were asleep on the couch. This was different.

This was Bob, stripped bare.

And what you saw was everything, the fear he’d never quite shaken, the hope he’d buried under layers of self-control, and the longing so sharp it cleaved straight through the air between you.

“I’m not perfect.” he whispered. Like it was a confession. A warning. A truth he thought might send you running.

“Neither am I.” you replied gently. “But I still choose you.”

He blinked, and his whole body seemed to tilt toward you, like he didn’t quite believe the weight of what you’d just said. Like he didn’t dare.

“But the Void-”

“Isn’t all of you,” you cut in.

“But it could be-”

“And if it ever is.” you said, voice steady now, “I’ll be there. I’m not afraid of the dark, Bob. I just don’t want you to live in it alone.”

The breath he let out was half a sob.

He turned away, just slightly, as if giving himself a second to pull the world back into place but he didn’t move far. And when you reached out and slid your fingers over his, he let you.

Just like that.

A quiet surrender.

A beginning.

You sat there together until the sky turned navy and the stars blinked on, one by one. No grand declaration. Just being. And a passionate overdue kiss that’s been waiting to happen

Because love, real love isn’t always loud.

Sometimes, it’s just two people on a rooftop, holding hands in the dark.

⸻

Letter Twenty-One. Sent.

Y/N,

You told me once that I wasn’t alone. I didn’t believe you then. But I do now. Because you saw me when I didn’t want to be seen, and you stayed.

I love you. In every version of me. Even the ones I haven’t met yet.

Always,

Bob

⸻

[namescan]

Anti money laundering solutions | NameScan

[mostlysignssomeportents]

Apple faces criminal sanctions for defying App Store antitrust order

I'm on a 20+ city book tour for my new novel PICKS AND SHOVELS. Catch me at NEW ZEALAND'S UNITY BOOKS in AUCKLAND TODAY (May 2), and in WELLINGTON TOMORROW (May 3). More tour dates (Pittsburgh, PDX, London, Manchester) here.

Epic, makers of the wildly popular Fortnite video-game, have waged a one-company war against the "app tax" – the 15-30% rake that the mobile duopoly of Apple/Google take out of every penny we spend inside of apps.

Epic's own digital practices are hardly spotless: just this year, the company was caught cheating players – many of them children – with deceptive practices and had to refund over $72m:

https://www.ftc.gov/enforcement/refunds/fortnite-refunds

But in this fight, Epic is on the side of the angels. The 30% that Apple/Google sucks out of the mobile economy is a brutal tax, and not just on app makers. Patreon performers recently raised a stink when the company announced that it would be clawing back 30% of the money pledged by their supporters – that 30% surcharge is passed straight through to Apple/Google:

https://www.theverge.com/2024/8/12/24218629/patreon-membership-ios-30-percent-apple-tax

From independent news outlets to crafters selling their work out of small storefronts, all the way up to massive entertainment services like Disney Plus and Fortnite, the mobile cartel takes 30% out of every dollar, a racket they maintain with onerous rules that ban apps from using their own payment processors, or even from encouraging users to click a link that brings them to a web-based payment screen.

30% is a gigantic markup on payment processing. It's ten times the going rate for payments in the USA, already one of the most expensive places in the world to transfer money from one party to another. In the EU, payment processing typically runs 1%…or less.

But crafters, Patreon podcasters and small-town newspapers are in no position to fight Google and Apple. Instead, we get Epic, a multi-billion-dollar company that's gone to the mattresses to fight these multi-trillion-dollar companies. Personally, I dote on billionaire-on-trillionaire violence.

Epic was wildly successful. It mopped up the floor with Google, securing an especially punitive award from a judge who was furious that Google had destroyed evidence:

https://pluralistic.net/2023/12/12/im-feeling-lucky/#hugger-mugger

Epic also won against Apple, though not as thoroughly as it had with Google, because Apple had the commonsense not to get up to the kind of shenanigans that make federal judges very, very mad. In the Google case, the court found that Google had acted as a monopolist and ordered it to open up the payment system in Google Play, a direct blow to the Android app tax.

In the Apple case, the judge did not find that Google had acted as a monopolist, but did rule that the App Store's payment processing racket violated the law, and ordered Apple to end its own app tax:

https://techcrunch.com/2025/04/30/epic-games-just-scored-a-major-win-against-apple/

That's where things get gnarly. Apple is addicted to corrupt sources of income – like the tens of billions it illegally receives every year in bribes from Google make it the default search:

https://apnews.com/article/google-antitrust-search-engine-verdict-apple-319a61f20fb11510097845a30abaefd8

And it really, really loves the app tax. When the EU ordered Apple to allow third-party app stores (as a way of killing the app tax), the company cooked up a malicious compliance plan that was comically corrupt:

https://pluralistic.net/2024/02/06/spoil-the-bunch/#dma

So, the mere fact that a federal judge had ordered Apple to open up its app store to competing payment processors was not going convince Apple to actually do it. Instead, Apple cooked up a set of rules for third-party payment processing that would make it more costly to use someone else's payments, piling up a mountain of junk fees and using scare screens and other deceptive warnings to discourage users from making payments through a rival system:

https://www.thebignewsletter.com/p/judge-rules-apple-executive-lied

That's the kind of thing that is apt to make a federal judge angry – and, as noted, angry federal judges can make life very hard for tech monopolists, a lesson Google learned when it destroyed key evidence in its Epic case. But Apple didn't just flout the court order – they lied about it to cover it up, and Judge Yvonne Gonzalez Rogers is furious. She held that Alex Roman, Apple's Vice-President of Finance, "outright lied under oath," and she has raised the possibility of criminal contempt penalties for Apple:

https://regmedia.co.uk/2025/05/01/pacer_epic_vs_apple_injunction_judgement.pdf

The judge further wrote:

This is an injunction, not a negotiation. There are no do-overs once a party willfully disregards a court order. Time is of the essence. The Court will not tolerate further delays. As previously ordered, Apple will not impede competition. The Court enjoins Apple from implementing its new anticompetitive acts to avoid compliance with the Injunction. Effective immediately Apple will no longer impede developers’ ability to communicate with users nor will they levy or impose a new commission on off-app purchases

In other words, any junk fees, any impediments to opening up third party payments, will be switfly and harshly dealt with. As of right now developers can start to build third-party payments into their apps and Apple cannot block them. It's the end of the app tax, a source of about $100b/year for Apple:

https://www.theregister.com/2025/05/01/apple_epic_lies_possible_crime/

The world is on fire and everything is terrible, but we are also living through the most consequential season in the history of the war on corporate tech power. Google has been convicted three times of being a monopolist and is almost certainly going to have to sell off Chrome, most of its ad-tech stack, and possibly Android. Meta just put up a pathetic showing in an equally serious antitrust case that could see it forced to sell off Instagram and Whatsapp:

https://pluralistic.net/2025/04/11/it-is-better-to-buy/#than-to-compete

Countries around the world have passed big, sweeping, muscular antitrust laws specifically aimed at smashing corporate tech power, like the EU's Digital Markets Act and Digital Services Act:

https://www.eff.org/pages/adoption-dsadma-notre-analyse

Most importantly, all of this is happening from the bottom up. There is no dark money campaign to fuck up the tech companies. The politicians and enforcers who are taking on Big Tech are being shoved from behind by billions of everyday people who are furious and refuse to take it any longer:

https://pluralistic.net/2025/04/10/solidarity-forever-2/#oligarchism

I am deeply grateful for the public servants who have championed this cause, but I also know that these people are the effect of our movement, not the cause. When Kier Starmer fires Britain's brilliant and effective top competition enforcer and replaces him with the former head of Amazon UK, that does nothing to tamp down the political outrage that Britons feel towards America's tech giants:

https://pluralistic.net/2025/01/22/autocrats-of-trade/#dingo-babysitter

All over the world, countries that passed IP laws to protect US tech interests in exchange for tariff-free access to US markets are grappling with the end of free trade with America. This represents a generational opportunity to pass laws that enable local technologists to jailbreak US tech exports and liberate their people from the extractive practices of Big Tech forever:

https://archive.is/CiBIz

There is nothing harder to stop than an idea whose time has come to pass.

If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2025/05/01/its-not-the-crime/#its-the-coverup

Image: Alex Popovkin, Bahia, Brazil from Brazil (modified) https://commons.wikimedia.org/wiki/File:Annelid_worm,_Atlantic_forest,_northern_littoral_of_Bahia,_Brazil_%2816107326533%29.jpg

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