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I will audit your fintech aml program for baas sponsor bank approval
msb specialist
Need a professional AML/KYC compliance program for your MSB, crypto exchange, fintech startup, payment company, or VASP?
I will prepare customized compliance documentation designed to help your busine...
About this Gig
Pass Your Sponsor Bank Due Diligence and Launch Your Fintech Faster.
In 2026, regulators like the OCC and FinCEN are aggressively penalizing sponsor banks for the compliance failures of their fintech partners. Because of this shared liability, traditional banks now require fintechs and neobanks to prove they have an institutional-grade, independent Compliance Management System (CMS) before they will grant access to banking APIs, card issuing, or fiat accounts.
You cannot simply rely on the bank's compliance team. If your internal Bank Secrecy Act (BSA) and AML controls are weak, your BaaS application will be instantly rejected.
I provide Audit-Ready BaaS Due Diligence Reviews to find and fix the gaps in your compliance framework before the bank's risk committee sees them.
What I Evaluate & Remediate:
- First-Line Monitoring Readiness: Ensuring you have independent transaction monitoring and continuous customer risk assessment protocols in place.
- CIP & UBO Verification: Auditing your onboarding flows for strict KYC, KYB, and Ultimate Beneficial Ownership compliance.
- Sanctions & Adverse Media: Reviewing your continuous screening workflows for OFAC compliance and PEP identification.
Type of Business:
C-corp
•
S-corp
Service type:
State business registration
Target country:
Worldwide
•
United Kingdom
•
United States
Business formation & registration Gigs are not screened
Fiverr does not pre-screen freelancers offering services in Business Formation & Registration. We advise thoroughly reviewing freelancer profiles, asking questions, and confirming their qualifications to ensure they meet your requirements. Freelancers marked as “Pro” have completed a vetting process for added confidence. Learn more here.
Other Business Formation & Registration Services I Offer
FAQ
Why do I need my own AML program if the sponsor bank already has one?
Regulators mandate that banks exercise strict oversight over their fintech partners. You carry direct compliance obligations and must demonstrate active participation in first-line transaction monitoring, customer due diligence, and ongoing risk assessments. The bank's program does not substitute fo
What is the most common reason a sponsor bank rejects a fintech application?
The most common failure points are fragmented control environments and over-reliance on the bank to handle core compliance functions like sanctions screening or suspicious activity escalation. I help you document exactly who is responsible for each compliance action to eliminate ambiguity.
Do you help with state licensing requirements?
This gig focuses specifically on federal BSA/AML compliance and sponsor bank due diligence. However, a strong Compliance Management System (CMS) is the foundational requirement for state-level Money Transmitter License (MTL) applications as well.
Can you review our third-party compliance software setup?
Yes. I will review how you utilize third-party verification and monitoring tools to ensure they integrate seamlessly and provide the audit trails and documentation that a sponsor bank will demand during their exams.
