Your Compliance Partner,Not Just Your Platform
Compliance leadership and managed operations for high-risk platforms, fintechs under regulatory pressure, and international companies entering the US. Built for sponsor-bank and regulator scrutiny.
Led by experienced BSA/AML officers, compliance leaders, and in-house counsel
Three Problems. One Partner.
High-Risk Platforms Seeking Banking
You've been told you're "too risky" for traditional processors. Adult content, creator economy, cannabis, gaming: you're legal, but banks won't touch you. We build the compliance infrastructure that risk teams can review and test.
Get Compliance SupportFintechs Under Regulatory Pressure
Your sponsor bank is asking hard questions. Sponsor-bank oversight is escalating. You launched fast and compliance was "good enough." Now they want real controls, real documentation, and a real compliance officer.
Request AssessmentForeign Fintechs Entering the US
The US licensing maze is blocking your expansion. State-by-state licensing, BSA/AML requirements, sponsor bank relationships: US market entry is complex. We've guided international fintechs through multi-state licensing.
Request AssessmentExam-ready programs. Documentation examiners recognize.
Experienced BSA/AML officers. Compliance leaders. We've held the titles that sign the filings.
We Execute. You Govern.
Here's exactly where the line is drawn. Outsourcing compliance operations doesn't mean losing control. We handle the daily work (monitoring, investigating, filing, testing) while your leadership maintains strategic oversight and regulatory accountability.
Note: Outsourcing compliance operations does not transfer regulatory accountability. Client leadership retains ultimate responsibility for program effectiveness and regulatory obligations.
Bright Sea Executes
- Daily alert review & investigation
- SAR drafting & filing
- Policy & procedure maintenance
- Board reporting
You Govern
- Strategic oversight
- Regulatory accountability
- Final decision authority
We Serve the Verticals Others Won't
Most compliance vendors run from high-risk. We run toward it. These industries aren't inherently riskier. They just require more rigorous compliance execution.
Creator Economy
Crypto & Digital Assets
Gaming
CBD & Cannabis
Cross-Border Payments
Emerging Fintech
Powered by Purpose-Built Technology
We're not just consultants with spreadsheets. Our compliance program is supported by purpose-built technology, but the decisions are made by experienced professionals.
Governance-First Monitoring
Governance-controlled rules. Daily alert review by analysts. Documented investigations. Foundational thresholds cannot be bypassed.
Entity-Centric Investigations
Complete customer view. Transaction patterns. Device fingerprints. Risk scoring. All linked to a single entity record for SAR-ready documentation.
Auditor-Ready Exports
Monthly board reports. Real-time metrics. Examination-ready exports. Every decision logged. Every change documented. Full transparency.
Engagement Models
Flexible structures designed around how you actually need compliance support.
Full Compliance Outsourcing
For fintechs under sponsor bank pressure or high-risk platforms needing bankable compliance. Full outsourced compliance department with designated BSA Officer.
Scoped monthly retainer
Co-Sourced Support
For organizations with existing compliance leadership who need surge capacity. Keep your CCO, add our operational capacity.
Custom monthly retainer
US Market Entry & Licensing
For foreign fintechs and new market entrants. Navigate state-by-state licensing and build your BSA/AML program.
Custom project scope
Ready to talk?
We'd welcome a conversation about how we might support your compliance program or your fintech portfolio.
Schedule a ConsultationOr email us directly: compliance@brightseaadvisors.com