AML Compliance
Build, refine, and scale AML programs aligned with the U.S. Bank Secrecy Act, OFAC sanctions expectations, sponsor bank reviews, and transaction monitoring needs for growing fintech operations.
Navigate US fintech regulation with director-led compliance support built for payments, crypto, BaaS, and embedded finance teams. Fraxtional helps companies address BSA/AML, OFAC, Reg E, state licensing, sponsor bank expectations, and investor diligence with practical guidance that fits fast-moving product roadmaps and evolving regulatory scrutiny across the United States.
Flexible regulatory, compliance, risk, and leadership support for US fintech, banking, crypto, and embedded finance companies.
Build, refine, and scale AML programs aligned with the U.S. Bank Secrecy Act, OFAC sanctions expectations, sponsor bank reviews, and transaction monitoring needs for growing fintech operations.
Support Banking as a Service partnerships with program oversight, third-party risk controls, UDAAP and Reg E readiness, policy development, and examiner-focused documentation for banks and fintech partners.
Plan and manage state-by-state money transmitter licensing with pre-filing strategy, application preparation, documentation collection, filing coordination, renewal tracking, reporting schedules, and post-filing compliance support.
Develop digital asset compliance programs covering BSA/AML, OFAC screening, Travel Rule obligations, FinCEN registration guidance, KYC/KYB design, and audit readiness for crypto and VASP models.
Evaluate compliance, product, people, vendor, infrastructure, privacy, cyber, and regulatory risk with prioritized findings, practical remediation guidance, and board-ready documentation for audits or investor reviews.
Prepare compliance stacks, pitch materials, policies, procedures, and leadership coverage to help fintechs meet sponsor bank onboarding expectations and resolve red flags before diligence begins.
Fraxtional starts by understanding your product, customer flow, transaction activity, jurisdictions, bank relationships, and growth plans. For US fintechs, this includes identifying where BSA/AML, OFAC, Reg E, UDAAP, and state licensing obligations may apply.
Fraxtional supports fintech, banking, crypto, and embedded finance teams through critical regulatory milestones.
Fraxtional combines senior compliance leadership with flexible support for regulated financial technology teams.
Every client receives direct oversight from experienced Directors, not junior-only consulting delivery.
Guidance covers BSA/AML, OFAC, Reg E, UDAAP, privacy, cyber risk, and state licensing.
Choose advisory, subscription, interim, or embedded fractional leadership without full-time executive commitment.
Fraxtional understands sponsor bank diligence, investor reviews, and examiner expectations across US fintech programs.
Senior compliance leaders for fintech, banking, and crypto.
Fraxtional was built around a practical need in regulated fintech: access to experienced compliance leadership without the cost or commitment of a full-time executive hire. The team supports companies operating in the United States, United Kingdom, Canada, and European Union, with specialized knowledge across fintech, banking, crypto, payments, embedded finance, and higher-risk models. For US clients, Fraxtional brings familiarity with BSA/AML, OFAC, UDAAP, Reg E, privacy, cyber risk, sponsor bank diligence, and money transmitter licensing requirements. Its director-led model gives founders, operators, investors, and financial institutions daily access to senior judgment, scalable support, and compliance programs that can grow alongside product complexity and regulatory scrutiny.
A fintech consultant helps financial technology companies understand regulatory obligations, design compliant operating models, prepare documentation, and reduce execution risk. Fraxtional’s consultants support areas such as AML, sanctions, licensing, sponsor bank readiness, risk assessments, policies, audits, and fractional leadership. The work often bridges product, operations, legal, compliance, banking partners, investors, and regulators.
Talk with Fraxtional about your product, risks, and next steps.
Recognized as a leader in compliance.
Senior oversight on every client engagement.
Support across US, UK, Canada, and EU.
Share your fintech model, regulatory challenge, or upcoming diligence milestone, and Fraxtional will help identify the right consulting or fractional leadership path.
To help us assist you faster, please include the reason for your message so the relevant team can reach out as soon as possible.
To help us assist you faster, please include the reason for your message so the relevant team can reach out as soon as possible.