Fractional Compliance Officer & BSA/AML Officer Services
Regulators expect a qualified compliance officer accountable for your AML program. Our fractional compliance officers serve as your designated BSA/AML officer or interim CCO, overseeing your program, SAR decisions, OFAC screening, staff training, and regulator exams, without the cost of a full-time hire.
Regulators expect a named, qualified officer. Not a placeholder.
Examiners look at who owns your compliance program and whether they're qualified. We give you experienced leadership that reports to management and your board, at a fraction of the cost of a full-time executive.
Designated Officer
BSA/AML officer or interim CCO
Embedded Oversight
Monitoring, SARs, sanctions and training
Exam-Ready Support
Regulator communications and remediation
Who we work with
Newly Formed MSBs & FinTechs
Standing up a compliance program for the first time.
Licensed Money Transmitters
Managing compliance obligations across one or many states.
Growing & Crypto Businesses
Scaling fast, entering new states or facing heightened scrutiny.
How it works
Program Assessment
We review your AML policies, CIP, CDD, sanctions screening and risk assessment to set a baseline.
Appointment & Governance
We serve as or support your designated officer and set clear board reporting lines.
Ongoing Oversight
We oversee monitoring, SAR and CTR decisions, sanctions screening, training and policy updates.
Exam & Strategic Support
We prepare you for exams, manage remediation and advise on expansion into new states and products.
Frequently Asked Questions
What is a fractional compliance officer?
A senior compliance professional who oversees your compliance program on a flexible basis instead of as a full-time hire. They can serve as your designated BSA/AML compliance officer.
Can a fractional officer be my designated BSA/AML officer?
Yes, where appropriate. Regulators expect the designated officer to be qualified, have adequate authority and resources, and be accountable for the program. A fractional officer can meet those expectations.
When should I bring in a fractional compliance officer?
Common triggers include launching operations, rapid growth, expanding into new states, preparing for an exam, or responding to audit findings.
Put experienced compliance leadership in place
Book a free consultation and find the right level of compliance oversight for your business.