Forward deployed compliance officer
You need a compliance department. We'll be it.
A compliance department, delivered as a practitioner plus the platform. The officer has ten or more years of compliance leadership, puts their name on your program and stands behind the judgment. The platform does the heavy work underneath, so you're not paying for a team of five to get one person's decisions.
Your problem
The obligations arrived before the compliance hire did
- You're a fintech or a money transmitter, and your sponsor bank, your state regulator or your first examiner wants to know who runs compliance. Right now the answer is you.
- A senior compliance officer is a hard hire, and one person alone can't write the policies, run the monitoring and prepare for the exam.
- A consulting firm will write you a program, then leave. Nobody's there when the first alert, the first audit request or the first regulator letter lands.
- You don't know which parts of the program matter most, so it's hard to tell whether you're spending in the right place.
What you get
A compliance department, not a report
- A named officer with ten or more years of compliance leadership, who owns your program and signs off on the calls that need a person's judgment.
- The platform behind them. Compliance Command Center, our AI-powered platform, maps the rules that apply to you, tests your controls and keeps the evidence, so the officer's time goes to decisions.
- A written program: policies, procedures and a risk assessment that describe what your business actually does.
- Someone to answer the hard questions from your sponsor bank, your auditors and your examiners, with the records to back the answers.
- Board and management reporting in plain English, so you always know where the program stands and what's open.
How we do it
Embedded with you, backed by the platform
- We start from what you do, where you operate and who your customers are, and build the list of rules that apply to you from that.
- The officer works inside your company: in your channels, in your meetings, and in front of your partners when they ask who's accountable.
- The platform does the volume: mapping obligations, checking controls against your records and keeping every piece of evidence in one place.
- Judgment stays with a person. Decisions like whether to file a suspicious activity report are made by the officer, and every one is recorded with its reasoning.
- We don't test a program we run. When your independent test is due, it comes from someone with no role in running your program.
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.
Pricing
One price for the department
You buy the department: the officer and the platform together, as one engagement. It's sized to your business and the regimes you're under.
Priced at scoping. How pricing works
The published method
How this is normally done
The regulator's and the standard-setter's own method for this work, explained in plain English and cited to the source. We have nothing to hide about how we do it: check our process against it.
- Field GuideThe BSA/AML Program Pillars, ExplainedThe five pillars in plain language: internal controls, a designated officer, training, independent testing, and customer due diligence. How each one shows up in an exam.
- CMSCompliance Management System (CMS): The CFPB FrameworkWhat a CMS is under the CFPB framework: board and management oversight plus a compliance program of policies, training, monitoring and audit, and consumer complaint response. How examiners assess it and how to build one.
- Money TransmitterMoney Transmitter Compliance: A Practitioner's GuideWho needs a license, the state-by-state reality, the federal MSB layer, the BSA/AML obligations that come with it, and how to stay examiner-ready.
What happens next
Three steps from here.
- 01
A call with our founder
Tell us what your company does, who's asking about compliance and what's due. We'll tell you plainly whether we're the right fit.
- 02
A written scope
The regimes in scope, what the officer owns, what you'll receive and the price, in writing before you commit.
- 03
Your officer starts
Your officer joins your team, the platform maps what applies to you, and you get a first read of where the program stands.