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Services · 03

Compliance Programs

Design, document, implement, and maintain risk-based compliance programs tailored to your business activities and regulatory obligations.

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On this page

  1. AML and SanctionsRisk-based AML/CTF and sanctions program design, including risk assessments, customer due diligence, screening, monitoring, escalation, and reporting processes as applicable.
  2. Compliance Policies and DocumentationPolicies, procedures, governance materials, and control documentation designed around your operations and the expectations of regulators and banking partners.
  3. Compliance TrainingRole-based training that helps leadership, compliance staff, and operations teams understand applicable requirements and their responsibilities.
  4. Fractional Compliance DepartmentPractical ongoing support, through Compliance360™, for teams that need experienced compliance resources without a full-time internal department. Accountability for the program stays with your management and board.
01

AML and Sanctions

Risk-based AML/CTF and sanctions program design, including risk assessments, customer due diligence, screening, monitoring, escalation, and reporting processes as applicable.

  1. Bank Secrecy Act program requirements where they apply, and OFAC sanctions compliance, which applies to all U.S. persons
  2. Program design and business-wide risk assessment
  3. KYC, KYB, and customer due diligence
  4. Transaction monitoring and case management
  5. Suspicious activity and currency transaction reporting
  6. Sanctions policy, screening, and alert handling
  7. Gap assessments and fixes for exam and bank findings
02

Compliance Policies and Documentation

Policies, procedures, governance materials, and control documentation designed around your operations and the expectations of regulators and banking partners.

  1. Business plan and flow-of-funds narrative
  2. AML and sanctions program, with risk assessment
  3. Information security, business continuity, and privacy policies
  4. Consumer complaint and error-resolution procedures
  5. Lending, servicing, and collections policies
  6. Vendor management and agent oversight policies
  7. Annual reviews, and updates for new products and states
03

Compliance Training

Role-based training that helps leadership, compliance staff, and operations teams understand applicable requirements and their responsibilities.

  1. Training plan for the license application
  2. Initial training for the compliance officer, management, and board
  3. Annual AML and sanctions training
  4. Role-based and new-hire training
  5. Attendance records, tests, and materials kept on file for examinations and bank reviews
04

Fractional Compliance Department

Practical ongoing support, through Compliance360™, for teams that need experienced compliance resources without a full-time internal department. Accountability for the program stays with your management and board.

  1. Support for your compliance officer; a fractional CCO or BSA Officer appointment only where expressly scoped, after suitability and conflict checks
  2. License renewals, quarterly and annual reports, and regulatory filings
  3. Policy updates and training
  4. Transaction-monitoring oversight
  5. Board reporting and vendor oversight
  6. State exam preparation and support

Who it's for

Applicants preparing to launch, licensed fintechs strengthening controls, and businesses responding to sponsor-bank or supervisory requirements.

Need your program independently tested? We do not independently test a program we built or run. See independent reviews →

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Let's discuss your regulatory needs.

Tell us about your business, product, or licensing challenge. We'll review your inquiry and discuss the appropriate next steps.

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