FinTech Advisory and Advisors

A fintech advisor provides specialized guidance to financial technology businesses on issues such as regulatory compliance, risk management, sponsor bank relationships, governance, and operational readiness. Depending on the business, an advisor may help develop policies, assess controls, prepare for audits or examinations, support licensing, or provide fractional leadership through roles such as CCO, CRO, BSA Officer, CAMLO, or MLRO.

Fraxtional advises FinTech companies, banks, crypto firms, money transmitters, embedded finance companies, startups, scaling businesses, and private equity firms. Support can be tailored to companies at different stages, including seed stage, Series A, and Series B businesses. The team also supports global fintech companies and organizations operating across the United Kingdom, United States, Canada, and European Union.

A fintech advisor can help prepare the materials and compliance foundation banks expect during relationship discussions. Fraxtional supports bank matching based on product type, risk appetite, and compliance posture, while helping prepare compliance stacks, pitch materials, red-flag responses, and onboarding documentation. The service can also provide fractional leadership for named CCO or BSA Officer responsibilities.

Fintech compliance advisory may include risk assessments, policy and procedure development, AML program support, regulatory examination readiness, governance, licensing guidance, and ongoing control improvement. Fraxtional’s services address areas including BSA/AML, UDAAP, Reg E, privacy, cyber risk, sanctions, and third-party oversight. The specific scope is shaped around the company’s operating model, regulatory obligations, and growth plans.

Yes. Fraxtional provides fractional and interim leadership through roles including Chief Compliance Officer, Chief Risk Officer, BSA Officer, CAMLO, and MLRO. Engagements may be advisory, subscription-based, or fully embedded. This model gives businesses access to experienced leadership that can work with internal teams, represent the organization to banks or regulators, and support a future transition to in-house leadership.

Yes. Fraxtional supports audit and examination readiness by reviewing policies, controls, implementation, documentation, and risk areas. Independent audit services can evaluate BSA/AML programs, transaction monitoring effectiveness, gaps, and risk factors, while examination readiness support helps organize records, strengthen controls, and prepare teams to respond to regulatory inquiries with clear, compliance-ready documentation.

Fraxtional provides compliance support for crypto exchanges, wallet providers, DeFi platforms, NFT marketplaces, and other digital asset businesses. Services include BSA/AML frameworks, OFAC sanctions screening, Travel Rule compliance, FinCEN registration guidance, KYC/KYB program design, money transmitter licensing support, sponsor bank preparation, and audit readiness under applicable U.S. and international requirements.

Fraxtional offers flexible engagement models, including short-term advisory, subscription, fractional, interim, and embedded leadership support. The structure can be aligned with a company’s current resources, compliance priorities, and growth stage. Advisory may focus on a defined project such as risk assessment or policy development, or provide ongoing oversight through a named compliance or risk leadership role.