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Track record

Case studies

A sample of the engagements we've delivered across compliance, licensing, brokering, technical advisory, product and partnerships. Client names are withheld under NDA, but the situations are representative of the work we do every month.

Compliance

AML documentation refresh ahead of a regulator visit

A licensed EMI's AML policy and transaction monitoring procedures had drifted from actual operations. We rebuilt both to match how the business really worked, closing a gap flagged ahead of a scheduled supervisory review.

Switzerland

SRO affiliation vs. FINMA licence decision

A payments start-up had been advised by a third party that it needed a Swiss banking licence. We reassessed the model, confirmed SRO affiliation was the correct route, and supported the affiliation application — saving months of unnecessary licensing work.

Licensing

EMI licence, UK to Lithuania pivot

A payments start-up had begun a UK EMI application before deciding Brexit-era passporting made an EU base essential. We re-scoped the application for Lithuania, reusing existing governance and safeguarding documentation.

Brokering

Structured acquisition of a licensed PI

Introduced a fintech founder to a licensed Payment Institution open to acquisition, then supported due diligence and the regulatory change-of-control application through to approval.

Technical

KYC vendor RFP and platform migration

Ran a structured RFP across four KYC/AML vendors for a scaling EMI, scored against onboarding volume and false-positive tolerance, and supported the migration from the incumbent provider.

Partnerships

SaaS platform to acquirer integration

Helped a SaaS payments platform integrate with a new acquirer through a partnership agreement — from partner shortlist through to signed terms and technical scoping.

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