Services

We design, implement and enhance strategic CMS frameworks that guide how compliance operates across the organization.

A CMS defines governance, policies, procedures, controls, testing, training, complaint management, partner oversight, reporting and escalation. Our CMS designs are progressive, risk forward, operationally realistic and built to support scale.

We also manage ongoing CMS deliverables including policy governance cycles, annual effectiveness assessments, Board and committee reporting, oversight documentation and program enhancements required by regulators and bank partners.

We build modern and risk based AML programs that reflect how lending, payments and digital financial ecosystems operate. Our work includes AML and BSA risk assessments, CDD and EDD workflows, sanctions governance, transaction monitoring rule design, suspicious activity processes and independent audits.

We support all required AML deliverables including annual risk assessments, program effectiveness reviews, sanctions testing, rule tuning, training and exam preparation. Our approach ensures continuous readiness for regulators and sponsor banks.

We conduct comprehensive regulatory, financial crime and operational risk assessments across the enterprise. This includes AML and BSA assessments, enterprise wide and product level assessments, UDAAP reviews, fair lending analyses, Red Flags reports, model governance scoring and partner risk assessments.

Each assessment results in actionable remediation plans and satisfies annual requirements for regulators, auditors and bank partners.

We have decades of experience in model compliance across underwriting, fraud, AML, credit, marketing and operational decisioning. We support the full model lifecycle including documentation, validation, fairness and bias testing, drift monitoring, governance committee structures, change management and annual validations.

We also design regulatory aligned oversight frameworks for AI, machine learning and agentic systems, helping organizations adopt advanced technologies responsibly, transparently and at scale.

We embed compliance into systems, data flows and product architecture. This includes data governance frameworks, lineage and quality controls, reporting enhancements, automated control design, engineering requirements and the integration of RegTech or custom tools. Our work reduces manual effort, strengthens accuracy and creates durable controls that scale with the business.

We help organizations evaluate, select and implement AML, CMS, onboarding, governance and automated monitoring systems. Services include vendor assessments, RFP support, platform configuration, workflow automation, engineering integration, validation support and the design of proprietary compliance tooling. Each implementation is structured to enhance compliance effectiveness and support long term operational growth.

We manage the full lifecycle of state, federal and international licensing. Our work includes preparing MTL and lending applications, business plans, organizational charts, compliance narratives, policies, AML and CMS documentation, financial statements, regulator responses and ongoing renewal or reporting obligations.

We prepare fintechs and financial institutions to build, maintain and grow sponsor bank relationships. Services include shared control frameworks, risk assessments, reporting packages, marketing and product review workflows, documentation standards, operational control mapping, testing, model documentation and continuous oversight deliverables.

We also support sponsor banks in evaluating, onboarding and supervising fintech partners through scalable, exam ready oversight frameworks.

We guide organizations through regulatory exams, independent audits and bank partner reviews with clarity and structure. Services include mock exams, evidence preparation, response drafting, meeting preparation, remediation planning and liaison support with auditors, regulators and bank partners.

We also support annual CMS and BSA audits, contributing to documentation, testing and evidence gathering.

We lead corrective action programs resulting from exam findings, enforcement actions, bank partner feedback or internal reviews. This includes transaction and file lookbacks, governance remediation, monitoring and testing rebuilds, program redesign and durable reporting packages. Our work restores confidence and ensures sustainable long term compliance.

We integrate compliance into the product lifecycle and customer journey. This includes reviewing marketing content, websites, UX flows, operational changes, sales materials, scripts, terms and disclosures. We establish structured change management practices that ensure regulatory alignment while supporting product growth and customer experience.

We provide hands-on leadership as Fractional CCO, BSA/AML Officer or service as your out-sourced Compliance Function/Department. This includes all aspects of managing your AML/CMS programs from development, mentoring teams, preparing Board materials, guiding executives through growth and licensing, managing annual deliverables, supporting audits and exams and strengthening overall operational readiness.