How it work
A defined process. No guesswork. No surprises.
Every engagement begins with a regulatory gap assessment and ends with a licensed, BSA/ AML-compliant, sponsor bank-ready financial company. You will always know what phase you are in, what is being filed, and what comes next.
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Regulatory Gap Assessment
We evaluate your current licensing position, BSA/AML programme status, transaction flows, product structure, and target markets against the regulatory requirements for your operating jurisdictions.
This prevents the most expensive mistake in fintech compliance: building the wrong licensing structure for the wrong stage, then having to rebuild it at Series B.
Outcome: A complete regulatory gap analysis with a prioritised remediation roadmap.
Licensing Strategy and Sequencing
MTL sequencing is not arbitrary. Your Tier III approvals build the NMLS track record that supportsTier I applications. Your Tier I approvals open the sponsor bank conversations your product needs.Your sponsor bank relationships determine your FBO structuring options.
We map the full sequence before filing anything — so every approval accelerates the nextmilestone rather than creating a bottleneck.
Outcome: A state-by-state MTL sequencing plan with filing timelines, surety bond schedule, andsponsor bank alignment milestones.
BSA/AML Programme Build
We build the full BSA/AML programme — CDD and EDD procedures, beneficial ownershipworkflows, transaction monitoring thresholds, SAR filing protocols, OFAC screening controls, andindependent testing frameworks.
Every element is built to the standard FinCEN examiners and sponsor bank BSA officers applyduring review — not to a generic template.
Outcome: A fully documented, examination-ready BSA/AML programme aligned to your specificbusiness model and risk profile.
Sponsor Bank Readiness
Before your first sponsor bank conversation begins, we prepare the full institutional due diligencepackage — BSA/AML programme documentation, KYC/KYB workflow summaries, FBO structuringanalysis, flow of funds mapping, and risk narrative.
Most fintechs approach sponsor bank conversations without this preparation and get declined. Weprepare the package first.
Outcome: An institutional-grade due diligence package that positions you for Tier 1 and Tier 2sponsor bank relationships from the first conversation.
Launch, Expansion, and Lifecycle Management
Post-approval, the compliance calendar begins — annual MTL renewals across all operatingstates, BSA/AML independent testing cycles, examiner correspondence, and change notificationsfor material business changes.
We manage the full lifecycle so nothing lapses and no examination catches you unprepared.
Outcome: A maintained, current licensing stack that scales as your transaction volume andgeographic footprint grows.
What to Expect
You always know what phase you are in, what is being filed, and what the next milestone is.
Every NMLS filing, BSA/AML programme document, and due diligence package is yours. You are never dependent on us for institutional memory.
We handle examiner correspondence directly. When a state regulator has a question, we answer it.
Licensing sequencing is designed with sponsor bank due diligence in mind from the first assessment. Never a separate workstream.
Annual renewals, examination preparation, and next-stage architecture designed when your business needs it.
One call. A clear view of your regulatory position.
A 45-minute session mapping your current licensing position, BSA/AML programme status, and sponsor bank readiness against your target market requirements and product roadmap. No pitch. If the scope doesn't align, we will tell you directly.
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