Fintech & financial platforms.

Fintechs sit inside a regulatory architecture they often did not design: a sponsor bank that holds the charter, a state-by-state money-transmitter licensing burden, a CFPB or state AG with consumer-protection authority, and a set of third-party vendors that look more like critical infrastructure than vendors. The control environment was usually built fast, and the team that built it has now turned over twice.

Our practice for fintech and financial platforms is built around two recurring scenarios. The first is sponsor-bank readiness — making sure the institution can survive the sponsor's annual diligence with the AML/BSA, fair-lending, complaints, and operations posture the sponsor is responsible for. The second is institutional readiness for the next stage — whether that's a Series D with a strategic acquirer in the diligence room, a charter application, or an S-1.

Sponsor banks ended several large fintech relationships in the past 36 months. The pattern was the same: the sponsor's diligence found gaps the fintech did not know it had. We help institutions not be the next one.

• AML & sanctions — Sponsor-grade BSA programs, TM tuning for fintech-rail typologies, sanctions screening at scale.
• IT audit — Vendor risk, cloud configuration, identity, and data-residency for platforms operating at speed.
• Model validation — AI/ML underwriting, fraud detection, and customer-facing models — validated for fairness and drift.
• IPO readiness — For fintechs preparing for the next stage — a control environment that survives diligence.

• Community Banks
• Regional Banks
• Credit Unions
• Non-Bank Lenders & Specialty Finance