Compliance operators,
not just consultants
We've held the titles that sign the filings. Our team includes former BSA Officers, compliance directors, and in-house counsel who've built and run compliance programs at fintechs, banks, and high-risk platforms.
Leadership Team
Kevin Carter
Global Risk, Compliance & Legal Executive
A licensed attorney (New York, New Jersey) and solicitor (England and Wales) with 15 years of experience in financial services compliance. Kevin has built and led compliance programs for fintechs and financial institutions across five continents, including Citi, UnionPay International, and high-growth startups.
His expertise spans BSA/AML, OFAC sanctions, payments compliance, and cross-border regulatory matters. Kevin has served as the first compliance executive for multiple organizations entering new markets, establishing programs that withstand regulatory scrutiny.
UNC Chapel Hill
Jamie Homme
Compliance Officer
With 20 years of compliance expertise, Jamie has built advanced risk and compliance programs that establish trust and enable scalable growth—critical for attracting and retaining investment in high-risk verticals.
Her career highlights include nearly a decade as Vice President in Citi's Financial Intelligence Unit, driving significant AML initiatives at one of the world's largest banks, followed by compliance leadership roles at multiple fintech companies.
University of North Florida
Kevin and Jamie worked together at Citi and have collaborated on compliance programs at multiple fintech startups.
Why We Started Bright Sea
After years inside fintech compliance departments, we saw the same pattern: platforms struggling to find compliance partners who actually understood high-risk industries. Traditional consultants offered templates and frameworks. What these companies needed was operational execution.
Sponsor banks were tightening oversight. Regulators were asking harder questions. And the compliance vendors in the market were either too expensive, too generic, or simply unwilling to work with certain verticals.
Bright Sea was built to fill that gap. We provide the compliance leadership and operational capacity that high-risk platforms need—delivered by people who've actually done the work, not just advised on it.
What Sets Us Apart
Operator Experience
We've held BSA Officer titles, signed SARs, and faced examiners. We know what compliance leadership actually requires because we've done it.
High-Risk Expertise
We specialize in the industries others avoid. Creator platforms, crypto, gaming, cannabis—we understand the regulatory nuances.
Regulator Readiness
Every program we build is designed for examination. Documentation examiners recognize. Controls that withstand scrutiny.
Partnership Mindset
We're not just vendors—we're extensions of your team. Your success with regulators and sponsor banks is our success.
Our Core Competencies
Ready to work with operators who get it?
Let's discuss how Bright Sea can support your compliance program—whether you need full outsourcing, fractional leadership, or help with a specific challenge.