Your bank is going to ask. Can you answer?
A 30-day assessment that maps the questions your sponsor bank will put to you, tests whether you can answer each one today, and sequences the fixes by what they see first.
When to run this
A review, renewal, or annual diligence cycle is inside 90 days
You received a findings letter or a question list longer than last year's
You are onboarding a new sponsor bank or processor
Your volume, geography, or product mix changed since the program was written
Someone asked you a question about your own program and you had to go find out
If two or more of these are true, you are already inside the window where this matters.
Why programs fail diligence
Most fintechs do not fail because the policy is wrong. They fail because the policy describes a company that no longer exists.
Policy and operations diverged.
The written procedure reflects how things worked two products ago.
Decisions are not systematic.
Approvals happen, but the logic lives with a person rather than in the platform, so it cannot be shown to be consistent.
The record is incomplete.
You can describe what you would do. You cannot produce what you did, twelve months back, on demand.
Reporting is assembled, not generated.
Board and partner reporting takes weeks of manual work, which means it is always slightly out of date and never fully verifiable.
Monitoring rules are not governed.
Engineering can change a threshold without compliance review, and nothing records that it happened.
What you get
Diligence Question Register
The specific questions your counterparty is likely to ask, drawn from what banks and processors are actually using this year, mapped to your model. Each question is scored against whether you can answer it today, and with what.
Evidence Gap Report
For every question you cannot answer: what is missing. A system, a control, a record, or a person. Named precisely enough to be actionable.
Remediation Roadmap
Sequenced by what your counterparty sees first, not by what is easiest to fix. With realistic durations and the dependencies between items made explicit.
Bank-Facing Response Pack
Draft language and supporting exhibits for the questions you can already answer well, so the review opens from strength rather than from apology.
Executive Briefing
A working session with your leadership team, and with your board where that is useful. Not a slide deck sent over email.
How it runs
Week 1: Access and mapping.
We review your platform architecture, workflows, policies, and the last two review cycles. We talk to the people who actually run the program, not only the people who own it.
Week 2: Testing.
We work the question register against your live systems and records. Where you say a control exists, we look at what it produces.
Week 3: Gap and sequence.
We write the Evidence Gap Report and build the roadmap.
Week 4: Delivery.
Documents delivered, executive briefing held, and a scoped conversation about what you want us to fix, if anything.
Price
Sponsor-Bank Diligence Readiness. 30 days. From $25,000.
Fixed scope, fixed duration, quoted before we start.
What happens next
Some clients take the roadmap and execute it internally. That is a legitimate outcome and we scope for it.
Remediation and Build.
We close the gaps: workflows, monitoring logic, decision records, reporting infrastructure. 60 to 120 days depending on what the assessment found.
Operate.
Fractional CCO or BSA Officer coverage, alert review, investigations, filings, and reporting run by our team while your leadership retains oversight and accountability.
You will know what you can defend.
You will know what you cannot, and the order to fix it in. When the questions arrive, the answers already exist.
We do not guarantee bank access, licensing outcomes, regulatory decisions, or timelines.
Schedule a readiness call