You are right, regulators are more active than ever.
Basically you need to put a traceable business trail. Can be done with online processors. Check this video it will explain better.
For most banks you will 100% need to be in a phone enviroment (android or iphone). VMs are not the best way to go, as these are easly detected. Some are better than other but all of them lack bluetooth and Wifi that help to set the geo position of yourself. A simple proxy wont help at all... If...
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