Your FinTech Startup Deserves Enterprise‑Grade Compliance Without the Enterprise Price Tag
Regulatory compliance built by a practitioner who has led risk programs at USAA, JP Morgan Chase, Citigroup, Deutsche Bank, and MUFG — now available to Series A & B startups on a fractional basis.
Amani Babwiriza
Lead Compliance & Risk Advisor
Enforcement Risk
The SEC collected $8.2B in financial remedies in FY2024. TD Bank was fined $3B for AML failures. Regulators pursue startups and major institutions alike.
Unsustainable Costs
A full-time CCO runs $150K–$250K/year. A compliance team costs $800K–$1M. That’s 15% of a typical Series A raise on non-revenue headcount.
Investor Expectations
89% of financial institutions view strong compliance as critical when evaluating partners. Series B investors require documented risk frameworks before writing checks.
Compliance Program Design & Build-Out
BSA/AML framework design, KYC procedures, SAR protocols, and compliance policies aligned to FinCEN, SEC, and CFPB. Based on programs built at MUFG and USAA.
$10K–$20K/mo retainerRisk & Control Self-Assessment (RCSA)
Recurring RCSA execution, residual risk disposition, and risk framework alignment. Direct from current USAA leadership role overseeing RCSA and control testing.
$8K–$15K/mo ongoingInternal Control Testing & Audit Readiness
Annual control test plans, QA reviews, issue remediation, and regulatory exam prep. Built from programs led at MUFG and audit response at USAA.
$10K–$20K/mo | $25K–$50K projectRegulatory Change Management
Monitoring federal/state regulatory changes, developing action plans and response strategies. Proven at Deutsche Bank (FR-Y/FFIEC) and USAA enterprise level.
$8K–$15K/mo retainerData Risk Governance & Privacy
Enterprise data governance frameworks, data quality management, GLBA/CCPA/CPRA compliance. Currently leading Enterprise Data Governance Risk at USAA.
$10K–$18K/mo retainerInvestor Due Diligence Readiness
Compliance documentation for Series A/B due diligence: policy manuals, risk registers, control inventories, and regulatory evidence packages.
$15K–$35K project-basedTier-1 Institutional Pedigree
Hands-on compliance and risk leadership at six of America’s largest financial institutions. First-line-of-defense experience, not outsourced advisory.
Three Lines of Defense
Experience partnering across 1st, 2nd, and 3rd lines of defense — from control owners to internal audit to regulators. Your startup gets the full governance model.
RegTech Platform Proficiency
Hands-on with AxiomSL, MetricStream, TurboRisk, OFSAA, SAP, Bloomberg, SQL, Informatica IDQ, and advanced Excel. Controls designed and implemented in real systems.
Startup-Aligned Economics
Save 60–80% versus full-time compliance hires. Flexible retainer, hourly, and project-based pricing designed for FinTech runway management.
Amani Babwiriza
MBA, Financial Management12+ Years Building Compliance Programs at America’s Largest Banks
Amani currently serves as Lead Business Risk & Controls Advisor for Enterprise Data Governance Risk at USAA, overseeing control design and testing, leading RCSA execution, monitoring regulatory changes, and reporting critical findings to senior executive leadership.
His career includes JP Morgan Chase (financial controls, P&L reporting), Citigroup (fixed income product control, data privacy risk), Deutsche Bank (FR-Y/FFIEC regulatory reporting automation via AxiomSL), and MUFG (control testing program design and implementation).
He holds an MBA in Financial Management from Canisius College and a BBA in Accounting & Finance from Monroe College.
Schedule a free 30-minute compliance assessment. We’ll review your regulatory requirements, identify gaps, and outline exactly how fractional compliance leadership can protect your business.
Schedule a Consultation →