Bank-Ready Fintechs Get Their Sponsor Bank Deal Done Here.
Serving seed to Series B fintechs, sponsor banks, and embedded finance providers navigating OCC, FDIC, CFPB, and FinCEN requirements. Built by a former Federal Reserve Bank Examiner who has sat on both sides of the examination table.
Book a 20-Minute Discovery Call Download the 2026 Sponsor Bank DD ChecklistEngagements
Regulatory Health Check
A 10-day compliance gap assessment that tells you exactly where you stand before the bank's BSA officer asks first. Written findings and a prioritized remediation roadmap.
Bank Partnership Readiness
Everything the bank's BSA officer will ask for, assembled and organized. Complete BSA/AML, UDAAP, vendor management, and incident response documentation in four weeks.
Fractional CCO
Senior compliance leadership embedded in your team. Ongoing program maintenance, bank partner relationship management, and direct BSA officer availability without a full-time hire.
Additional Advisory Areas
BaaS Compliance
Program manager and embedded finance compliance frameworks calibrated to OCC, FDIC, and Federal Reserve third-party risk guidance. Enforcement context from Blue Ridge, Evolve, Sutton, and Cross River.
Insights and Briefings
Practitioner notes on bank examination expectations, SR letters, BaaS enforcement actions, and the fintech compliance items sponsor banks actually flag in due diligence.
Digital Products
Model Risk Management Readiness Checklist
62-item practitioner assessment across 7 control domains. Every item includes an Examiner Lens written from direct examination experience explaining how regulators interpret the absence of each control, and three Sample Evidence artifacts that close the gap. Includes an auto-scoring Excel spreadsheet and an interactive HTML scorer that works in any browser.
Who I Work With
Fintech founders, seed to Series B. You are in a sponsor bank conversation and the bank's BSA officer just sent a 47-item due diligence request. You have three weeks, no CCO, and your last compliance policy was written by a lawyer who has never seen a bank examination. I assemble the package and walk you through the mock audit so you show up prepared, not reactive.
Sponsor banks and community banks. You are launching a fintech partnership program, or auditing an existing one, and need to know if your third-party risk management holds up under OCC and FDIC examination standards. I conduct a structured assessment against current regulatory expectations and deliver a written findings report with a remediation roadmap.
BaaS and embedded finance providers. You are managing multiple bank relationships simultaneously, OCC and FDIC scrutiny on BaaS is intensifying, and your compliance program was built for one bank, not four. I provide fractional CCO oversight to keep the program current, defensible, and bank-exam-ready across every relationship.
Common Questions
What does a fintech compliance advisor actually deliver?
A complete BSA/AML and consumer protection compliance program that a sponsor bank's BSA officer will accept. Policies, procedures, risk assessments, vendor management framework, and the documentation trail that proves the program is operational, not theoretical.
How is this different from a law firm or Big 4 compliance assessment?
Law firms know the regulatory framework. Big 4 produces findings reports. Neither delivers a functioning compliance program organized the way a sponsor bank actually reviews it. I built that program inside a fintech and reviewed it as a Federal Reserve Bank examiner.
Do you take on equity, retainer, or fixed-fee engagements?
Fixed-fee for Regulatory Health Checks and Bank Partner DD Packages. Monthly retainer for Fractional CCO engagements. No equity arrangements at this stage of the practice.
Will you sign an NDA before the discovery call?
Yes. Send your mutual NDA in advance and I will execute it before the call. The 20-minute discovery call is itself confidential.
Can a Health Check credit toward a larger engagement?
Yes. The $7,500 Regulatory Health Check fee credits in full toward the first month of a Fractional Compliance Retainer.
Ready to Get Started?
Schedule a 30-minute call to discuss your compliance priorities.
Book a Discovery CallNot legal advice. Clients requiring legal counsel are referred to qualified fintech attorneys.