Independent Audits
Objective third-party reviews of BSA/AML compliance programs, including policies, controls, transaction monitoring, risk factors, and board-ready reporting with prioritized remediation recommendations.
Fraxtional delivers independent BSA/AML audit services for fintech, banking, crypto, and embedded finance teams that need objective findings, examiner-ready documentation, and practical remediation guidance. From policy reviews to transaction monitoring effectiveness, our director-led audits help strengthen controls, satisfy sponsor bank expectations, and prepare leadership for regulatory, investor, or board scrutiny.
Independent audit, advisory, and remediation support for regulated financial services and high-risk business models.
Objective third-party reviews of BSA/AML compliance programs, including policies, controls, transaction monitoring, risk factors, and board-ready reporting with prioritized remediation recommendations.
Executive-led AML consulting for firms needing program design, due diligence acceleration, sponsor bank readiness, sanctions alignment, and support under U.S., UK, EU, and Canadian requirements.
Comprehensive risk assessments across compliance, product, people, vendors, operations, and infrastructure, with clear findings prepared for audits, bank evaluations, regulatory inquiries, and board reviews.
Practical BSA/AML policies and procedures tailored to real operations, with role-based responsibilities, version tracking, audit-ready formatting, and flexible structures for future updates.
Compliance program oversight for sponsor banks and fintech partners, covering BSA/AML program management, third-party risk, policy development, UDAAP, Reg E, and ongoing audit readiness.
Specialized BSA/AML frameworks for exchanges, wallet providers, DeFi platforms, NFT marketplaces, and VASPs, including OFAC screening, Travel Rule, FinCEN, and KYC/KYB guidance.
We define the audit scope around your regulatory obligations, business model, customer risk, products, jurisdictions, and stakeholder needs, including sponsor bank, investor, board, or examination expectations.
Fintech, banking, crypto, and embedded finance teams rely on Fraxtional for audit-ready compliance leadership.
Fraxtional combines independent audit discipline with practical compliance leadership.
Every engagement receives direct oversight from experienced compliance Directors, not junior-only delivery teams.
Support spans U.S., Canada, UK, and EU requirements for complex operating models.
Deep expertise across fintech, banking, crypto, embedded finance, and high-risk program structures.
Findings are prioritized, actionable, and prepared for boards, banks, investors, and examiners.
Embedded compliance leadership for regulated financial firms.
Fraxtional was built to give fintech, crypto, banking, and embedded finance companies access to senior compliance leadership without the cost or rigidity of a full-time executive hire. The team provides fractional CCO, CRO, BSA Officer, CAMLO, and MLRO support through flexible advisory, subscription, and embedded engagement models. With experience across BSA/AML, sanctions, UDAAP, Reg E, privacy, cyber risk, sponsor bank readiness, and cross-border operations, Fraxtional helps firms build compliance programs that are credible, scalable, and audit-ready. Its director-led model ensures clients receive experienced oversight, clear prioritization, and practical guidance that supports long-term regulatory confidence.
A BSA audit is an independent review of an organization’s Bank Secrecy Act and anti-money laundering compliance program. It evaluates whether policies, controls, governance, training, customer due diligence, sanctions screening, suspicious activity processes, and transaction monitoring are designed and operating effectively. The audit typically results in documented findings, risk ratings, and remediation recommendations for leadership, regulators, or banking partners.
Talk with Fraxtional about audit scope, readiness, and remediation priorities.
Recognized as a Leader in Compliance.
Senior oversight on every client engagement.
Coverage across U.S., Canada, UK, and EU.
Share your program needs, audit timeline, and stakeholder requirements. Fraxtional will help define the right scope and next steps.
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To help us assist you faster, please include the reason for your message so the relevant team can reach out as soon as possible.