For fintech and BaaS programs
Your sponsor bank wants evidence. Give it the whole population.
A compliance team of one to twenty people, a sponsor bank running third-party oversight on you, and an examiner behind the bank. The work you owe them is familiar. We do it on every record.
What the bank asks for
Since the 2023 interagency guidance on third-party relationships, sponsor banks have to show examiners how they oversee each fintech partner. That oversight lands on you as requests: your risk assessment, your latest independent test, your control testing, your marketing review log, your screening records.
Each request is a document you already owe. The question is whether it holds up when the bank's own examiner reads it.
The work, by the request it answers
- Your annual independent test
BSA/AML independent testing
Every record tested, work papers, findings cited and priced, and a signed report.
- Evidence your controls work
Automated control testing
Every account and transaction tested on the schedule you set.
- Your marketing review log
Marketing compliance review
Each piece reviewed against the consumer protection rules that apply to it.
- Your screening records
Sanctions screening
Lists from the issuing authorities, and the evidence behind each match decision.
- Your change management record
Regulatory change management
Only the changes that touch your requirements, mapped to what they affect.
- Your SOC 2 or PCI DSS request
SOC 2 and PCI readiness
Evidence collected once and reused across frameworks.
What the testing runs against
A regulatory inventory built from your facts
Before anything is tested, the engine builds the regulatory regulatory inventory for your company: every requirement that applies to you, cited to the rule, with the facts behind each one labelled by how we know them.
The inventory is delivered with the engagement, and it's the list your examiner can walk through line by line.
How the work is done
The audit you already buy, performed by an engine.
- Every record testedControls are tested against the full population of accounts and transactions, not a sample of twenty-five.
- Every requirement citedEach requirement the work runs against is cited to the rule it comes from, with the facts behind it labelled.
- Findings pricedFindings arrive priced in dollars, so remediation is ordered by what each gap is worth.
- A signed reportThe report is signed, and any reader can check that nothing in it changed after signing.
Talk to a practitioner
Book a 15-minute chat with our founder.
A real conversation with a senior compliance leader, to see if there's a fit. Not a sales call, not a demo, no pressure.