Built for industries where the stakes are highest and the compliance vendors are fewest.
We specialize in regulated verticals that require deep operational knowledge. Not generic frameworks adapted after the fact.
Sponsor-Bank Fintech Programs
BaaS platforms, embedded finance, and neobanks operating under sponsor-bank oversight. We build the compliance infrastructure and operational evidence that banks evaluate. We've done it across multiple sponsor-bank relationships.
Most failures start when the compliance program describes one process and the platform executes another. Nobody notices until the bank does.
Creator Economy & Adult Platforms
Fan platforms, creator tools, and content monetization platforms that process real payments in categories most compliance vendors won't touch. We've built and operated compliance programs in this space firsthand.
Risk here is driven less by content and more by inconsistent controls, processor expectations, and chargeback patterns that trigger bank scrutiny.
Cross-Border Payments
Remittance, FX services, and B2B payout platforms with multi-jurisdictional compliance obligations. Kevin has built cross-border compliance programs across five continents. This is core to how Bright Sea was founded.
The gap that kills most cross-border programs: transaction monitoring rules that work domestically but miss corridor-specific risk patterns entirely.
Crypto & Digital Assets
Exchanges, OTC desks, and stablecoin operations navigating FinCEN, state licensing, and evolving federal requirements. We understand the compliance architecture these businesses need and design programs accordingly.
Most failures come from the gap between blockchain monitoring outputs and defensible reporting. The data exists but can't be explained to an examiner.
Gaming
iGaming, fantasy sports, and skill-game platforms with state-by-state regulatory requirements and payment processing complexity. We design compliance programs that account for both the licensing maze and the operational reality.
The licensing maze creates compliance fragmentation. Different rules per state, and most platforms discover the gaps only when a regulator finds them first.
Cannabis & CBD
Payment processing and banking for cannabis-adjacent businesses navigating the gap between state legalization and federal enforcement. We build compliance infrastructure that satisfies banking partners in an environment where most vendors won't engage.
Banking partners require enhanced monitoring and reporting that goes well beyond standard BSA requirements. They can pull the relationship with little notice.
We serve the verticals others won't.
We operate in industries where regulatory scrutiny is highest, sponsor-bank tolerance is lowest, and the compliance vendors who claim to serve everyone quietly decline the engagement.
Start With an AuditDon't see your industry?
If you operate in a regulated vertical and need compliance infrastructure that actually works, let's talk.
Or email directly: kevin@brightseaadvisors.com