Fintech & Financial Services
SSA builds compliance frameworks around the way a regulated business actually operates.
We prepare and review the policies, governance records, reporting processes, customer controls and third-party arrangements that support the applicable licence, and we help management translate regulatory requirements into responsibilities that can be demonstrated to the regulator, auditor or board. Where an issue has already arisen, we also manage the legal and documentary response and the remediation work that follows.
How SSA Supports the Mandate
Our role is to turn the proposed business or transaction into the applications, documents, structures and operating arrangements required to move it forward.
The precise workstream is tailored to the product, licence category, ownership structure and stage of the business. Where a mandate also requires cross-border, technology, transactional or continuing compliance support, those elements are integrated into the engagement.
We develop risk-based AML/CFT/CPF frameworks covering customer risk classification, CDD and EDD, sanctions and screening, transaction monitoring, suspicious transaction reporting, record keeping and escalation. The controls are mapped to the entity's products, customers, delivery channels and transaction flows.
SSA reviews the conditions and continuing obligations attached to the relevant regulated status and builds the policies and procedures needed to support them. This can include KYC, complaints, safeguarding, outsourcing, cybersecurity, risk management, collections, customer protection and product-specific compliance.
We help establish reporting calendars, responsibility matrices, board and committee oversight, management escalation and the records supporting regulatory returns. Governance arrangements are reviewed so that compliance ownership is clear and material regulatory decisions are appropriately documented.
We draft and review responses to observations, clarification requests, notices and information demands, coordinate the supporting record and ensure that the response is consistent with the entity's actual regulatory position. We also support readiness for inspections, audits and regulator meetings.
We advise on regulated outsourcing to technology providers, cloud infrastructure, KYC vendors, payment processors, collection agencies and other service providers. Contracts, oversight, data, security, audit rights, responsibility allocation and any approval or notification requirement are considered as part of the compliance framework.
Where a gap is identified, we assess its scope, prepare the corrective-action plan and align the documentary and operational remediation. We also review new products, changes to pricing, customer journeys, ownership, management, technology or transaction flows before implementation to identify required approvals, notifications or policy changes.
Our Approach
We identify the regulatory perimeter, approvals and sequencing before the application or transaction is built.
We prepare and coordinate the applications, business and corporate materials, policies, contracts and supporting submissions required for the mandate.
We support regulatory observations, implementation, launch and subsequent changes so the legal structure remains aligned with the operating business.
Your Team
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