Fintech compliance
Auditors sample. Regulators judge.- A bank partner's due-diligence packet just arrived and it's forty pages of questions nobody owns.
- The license application asks about technology risk governance, and our 'board minutes' are a Notion doc.
- We tokenized cards through a processor but nobody can say which SAQ we are.
- Every enterprise deal re-litigates our security because we have nothing signed to hand them.
Frameworks in play: SOC 2 · ISO 27001 · PCI DSS · GDPR · MAS TRM
Fintech compliance has a property generic advice misses: the audience changes as you grow, and each audience reads different evidence. Partners read reports. Card networks read attestations. Regulators read governance — minutes, decisions, tested recovery, an outsourcing register — and they read it with judgment, not checklists.
The stack, by trigger
The fintech compliance stack maps it fully: SOC 2 when partners ask, ISO 27001 when geography demands, PCI scoped architecturally before card data flows, and MAS TRM readiness before the application — never after.
Why the platform-only model underserves fintech
Self-serve compliance tools evidence controls. Regulators probe the layer above controls: who decided the risk appetite, who challenged the RTO, whether the board understands what it signed. That layer is people — which is why our fintech engagements pair the platform with vCISO operators who have sat in those examinations.
PCI DSS Compliance
PCI DSS compliance services: scoping, segmentation, SAQ guidance or full RoC preparation, and continuous control monitoring for payment-handling companies.
SOC 2 Compliance Services
Hands-on SOC 2 compliance services: gap assessment, control implementation, evidence collection, and audit support — platform included, experts driving.
vCISO Services
Virtual CISO services for startups and scaleups: security strategy, compliance roadmap, enterprise deal support, and board reporting — without the $300K hire.
What makes fintech compliance different from generic SaaS?
The counterparties. SaaS answers to customers' security teams; fintech additionally answers to bank partners' third-party risk programs and — post-license — to regulators with judgment and revocation power. The evidence bar rises accordingly, especially for governance and resilience.
Can you help before we have a license?
That's the ideal moment. Regulators assess technology-risk readiness during licensing, and governance evidence accrues — it can't be backdated. We build the commercial layer (SOC 2/ISO) and the regulatory layer (TRM-mapped governance) as one program.
Have you actually operated under a financial regulator?
Yes — our founding team built and secured payment infrastructure at NIUM through its scaling to a $2B valuation under MAS supervision. The fintech playbook here is the productized version of that decade.