Strategic MSB Banking Services

Fraxtional supports MSBs with sponsor bank relationship preparation, BaaS compliance oversight, AML advisory, policy and procedure development, risk assessments, money transmitter licensing support, and fractional compliance leadership. The work can address documentation, controls, governance, onboarding expectations, audit readiness, and communication with banks or regulators. Services are structured around the organization’s operating model, risk profile, and current compliance resources.

Yes. Fraxtional helps prepare MSBs for sponsor bank discussions by assessing the business model, considering product type and risk appetite, reviewing compliance posture, preparing pitch materials, and identifying potential red flags. The team also helps organize compliance documentation and clarify onboarding expectations so the business can present a more coherent and review-ready program to prospective banking partners.

BaaS compliance support can include BSA/AML program management, third-party risk oversight, policy and procedure development, UDAAP and Reg E considerations, responsibility mapping, and ongoing audit readiness. Fraxtional supports both sponsor banks managing fintech program risk and fintech businesses working to satisfy bank onboarding and oversight requirements within a Banking as a Service arrangement.

Fraxtional provides AML advisory and leadership support for money transmitters, including program design, due diligence, sanctions compliance, transaction monitoring considerations, governance, and regulatory alignment. The team can provide access to compliance executives through advisory, subscription, or embedded models. Support may be tailored to businesses operating under United Kingdom, United States, Canadian, or European Union frameworks.

Yes. Fraxtional develops practical policies and procedures aligned with business operations, compliance obligations, and role-based responsibilities. Documents are designed to avoid unnecessary over-documentation while addressing important gaps, with clear formatting and version tracking. The resulting materials can support internal implementation, sponsor bank reviews, audits, board discussions, and future program updates.

Fraxtional supports money transmitter licensing through pre-filing strategy, application preparation, state filing prioritization, documentation collection, filing management, and ongoing license compliance. The service is designed for businesses such as fintech and crypto companies that need licensing guidance aligned with their operating models and risk profiles. Renewal tracking, reporting schedules, and audit readiness can also be addressed.

Yes. Fraxtional offers fractional and interim leadership for roles such as CCO, BSA Officer, CAMLO, CRO, and MLRO. Engagements can range from focused advisory support to embedded leadership, allowing an MSB to access experienced oversight while maintaining flexibility. The model can integrate with an existing team and support a future transition to in-house leadership when appropriate.

Yes. Fraxtional lists service coverage across the United Kingdom, United States, Canada, and European Union. Its risk, AML, licensing, and leadership services can consider cross-border operations and the regulatory frameworks relevant to the business. The appropriate scope depends on the organization’s products, jurisdictions, counterparties, and existing compliance framework.