Even absent a crystal ball to peer into, it seems safe to say that any changes the financial sector sees in the year ahead won't include a walk-back of anti-money laundering requirements.
Uncertainty emerged to be a theme in 2016 as early as January, when dozens of countries rolled back longstanding economic sanctions targeting Iran as part of the multinational Joint Comprehensive Plan of Action.
The year has hardly begun and already some of its biggest challenges for compliance departments seem evident: contending with expected rules on customer due diligence, evolving sanctions obligations and the U.S. Justice Department's emphasis on individual liability.
Despite the dress that changes colors depending on your eyes and the record-breaking sales of one recent example of nostalgic moviemaking, 2015 is more likely to be remembered by the financial sector for the tragic terrorist attacks that bookended it.