Your FinTech Doesn't Need a
$250K Compliance Hire.
It Needs a Fractional One.
Enterprise-grade compliance and risk leadership for Series A & B FinTech startups — at a fraction of the cost. Built on 12+ years of hands-on experience at USAA, JP Morgan, Citigroup, and Deutsche Bank.
Why FinTech Startups Get Compliance Wrong
64% of financial organizations under $5B in revenue lack a Chief Compliance Officer. 80% of FinTech companies underinvest in compliance. The SEC collected $8.2 billion in financial remedies in FY2024 alone.
Regulatory Exposure
Without proper BSA/AML programs, KYC procedures, and internal controls, your startup faces enforcement actions, fines, and loss of banking partnerships — regardless of company size.
Prohibitive Costs
A full-time CCO costs $150K–$250K/year. Add a compliance team and you're at $800K–$1M annually. For a Series A startup, that can consume 15% of your runway on non-revenue positions.
Investor Due Diligence
89% of financial institutions view strong compliance as critical when selecting FinTech partners. Series B investors expect documented risk frameworks, control inventories, and audit readiness.
Fractional Compliance Services for FinTech
Every service maps directly to practitioner experience across six major financial institutions — not theory, but proven institutional practice applied to your startup.
Compliance Program Design & Build-Out
BSA/AML framework design, KYC procedures, SAR protocols, and compliance policies aligned to FinCEN, SEC, and CFPB requirements. Based on programs designed at MUFG and USAA.
$10K–$20K/mo retainerRisk & Control Self-Assessment (RCSA)
Recurring RCSA execution ensuring all residual risks are vetted within enterprise risk frameworks. Directly from current USAA leadership overseeing RCSA and control testing.
$8K–$15K/mo ongoingInternal Control Testing & Audit Readiness
Annual control test plans, quality assurance reviews, and regulatory exam preparation. Built from control testing programs led at MUFG and audit response management at USAA.
$10K–$20K/mo | $25K–$50K projectRegulatory Change Management
Monitoring regulatory changes, developing action plans and response strategies. Proven at Deutsche Bank (FR-Y/FFIEC reporting) and USAA (enterprise regulatory monitoring).
$8K–$15K/mo retainerData Risk Governance & Privacy
Enterprise data governance frameworks, data quality management, and GLBA/CCPA/CPRA compliance. Currently leading Enterprise Data Governance Risk at USAA.
$10K–$18K/mo retainerInvestor Due Diligence Readiness
Compliance documentation packages for Series A/B due diligence: policy manuals, risk registers, control inventories, and regulatory compliance evidence.
$15K–$35K project-basedWhy ComplianceNationwide
Not a consultant who read the regulations. A practitioner who's built and tested the controls at the institutions that wrote the playbook.
Tier-1 Institutional Pedigree
Hands-on compliance and risk leadership at USAA, JP Morgan Chase, Citigroup, Deutsche Bank, and MUFG. Not outsourced theory — direct, first-line-of-defense experience.
Three Lines of Defense Expertise
Experience partnering across 1st, 2nd, and 3rd lines of defense — from control owners to internal audit to regulators. Your startup gets the full institutional governance model.
RegTech Platform Proficiency
Hands-on with AxiomSL, MetricStream, TurboRisk, OFSAA, SAP, Bloomberg, and advanced SQL data analysis. We don't just design controls — we implement them in your systems.
Startup-Friendly Engagement Models
Flexible retainer, hourly, and project-based pricing designed for FinTech runway economics. Save 60–80% versus a full-time compliance team while getting enterprise-level expertise.
12+ Years Building Compliance Programs at America's Largest Financial Institutions
Amani Babwiriza is the lead compliance and risk advisory professional at ComplianceNationwide. He currently serves as Lead Business Risk & Controls Advisor for Enterprise Data Governance Risk at USAA, where he oversees team-level control design and testing, leads recurring RCSA execution, monitors regulatory changes, and reports critical findings to senior executive leadership.
His career spans JP Morgan Chase, Citigroup, Deutsche Bank, and MUFG — covering capital markets control, regulatory reporting automation (FFIEC, FR-Y, CCAR), data privacy risk governance, and enterprise risk framework enhancement.
He holds an MBA in Financial Management from Canisius College and a BBA in Accounting & Finance from Monroe College.
Get Enterprise-Grade Compliance Without the Enterprise Price Tag
Schedule a free consultation to discuss your FinTech's compliance needs, regulatory requirements, and how fractional leadership can protect your runway and accelerate your growth.