Compliance your sponsor bank will actually sign off on.
RADD builds, assesses, and runs the compliance programs fintechs and sponsor banks need to launch — and stay live. Discovery to build-out to ongoing support, from a U.S.-based team with 250+ years of combined regulatory experience.
Your sponsor bank can pull the plug faster than you can fix the gaps.
Fintech compliance lives and dies by the sponsor bank’s confidence. When their oversight team asks for a control you haven’t documented, “we’ll build it” buys you weeks — not months.
And the pressure is only getting heavier. Sponsor banks are tightening diligence on their fintech partners, examiners are scrutinizing bank-fintech programs harder than ever, and a single unaddressed finding can stall a launch or end a partnership.
For a growing fintech, that’s not a compliance problem. It’s an existential one.
You need a compliance partner who speaks both languages — fintech and examiner.
RADD works both sides of the sponsor-bank relationship, so we know exactly what the bank’s oversight team needs to see and how to give it to them.
Our team brings 250+ years of combined regulatory compliance experience, is entirely U.S.-based, and holds the certifications — CAMS, CRCM, CIA, CISA — that make a program credible to a sponsor bank and an examiner alike.
We don’t just tell you what’s missing. We build it, document it, and help you keep it running.
A three-phase path from gap to green light.
Phase 1
Discovery & assessment
We map your operations and compliance program against your sponsor bank’s requirements and produce a clear gap analysis — no guesswork about where you stand.
Phase 2
Build-out
We build the compliance program to the sponsor bank’s requirements: policies, controls, BSA/AML coverage, vendor and transaction monitoring — documented and defensible.
Phase 3
Ongoing support
We stay on as your compliance bench, keeping the program current as you scale, add partners, and face exams.
Compliance support across the whole fintech relationship.
For fintechs
- Discovery and assessment with full gap analysis (Phase 1)
- Compliance program build-out to sponsor-bank requirements (Phase 2)
- Ongoing compliance support and monitoring (Phase 3)
- Most popular package: Discovery & Assessment of Operations + Compliance Program Build-Out
Consumer compliance examination
- Examination requirements review
- Exam preparation and facilitation
- CRA review assistance
For sponsor banks
- Fintech partner program assessment
- Compliance framework development for the fintech program
- Exam preparation support
What it looks like when compliance stops being the bottleneck.
A documented program your sponsor bank signs off on. Diligence answered before it’s asked. Exams you walk into prepared instead of scrambling. And a compliance partner who scales with you, so the next partnership or product doesn’t start the fire drill all over again.
Compliance stops being the thing that slows the business down and becomes the thing that lets it grow.
Frequently asked questions
Fintechs entering or operating under a sponsor-bank partnership, and the sponsor banks overseeing those fintech programs.
Discovery and Assessment of Operations paired with Compliance Program Build-Out — the fastest path from “where do we stand” to a program the sponsor bank will accept.
Yes — examination requirements review, preparation and facilitation, and CRA review assistance are all part of what we do.
Yes. Our team is entirely U.S.-based with 250+ years of combined experience and holds CAMS, CRCM, CIA, and CISA credentials.
Let’s talk about your fintech compliance program.
Book a call. We’ll map where your program stands against your sponsor bank’s requirements, where the risk is, and the fastest path to a program that holds up. If RADD isn’t the right fit, we’ll say so.