Compliance Policies and Procedures Services for Fintechs
We help fintechs create, update, and manage compliance policies that reflect real regulatory expectations. Whether you're building from scratch or adjusting to new products and markets, we focus on practical procedures that align with how your business actually runs.
What Are Compliance Policies and Procedures?
Compliance policies are the written rules that define how your fintech follows laws and regulations. They cover everything from onboarding customers to supervising staff, detecting suspicious activity, and handling marketing materials.
If you're operating as a broker-dealer, RIA, MSB, or lender, regulators like FINRA, the SEC, or state agencies require these policies as part of your compliance program. They want to see how your day-to-day operations actually work, and how you’re managing risk.
Regulators often ask for your policies first in an audit or exam
They serve as the internal playbook for your team and vendors
Policies must align with your regulatory obligations and licensing terms
Outdated or missing procedures can lead to findings or penalties
A solid set of policies helps you scale compliance without starting from scratch each time
What Regulators Look For in Your Policies
Compliance policies aren’t just a checkbox. Agencies like FINRA, the SEC, FinCEN, and state regulators actively review your written procedures during exams. They want to see how your firm supervises risk, assigns responsibilities, and operates in real life—not just what’s on paper.
Common Mistakes in Fintech Policies
Copying generic procedures that ignore your product or regulatory vertical
Saying you’ll do something in the policy but not actually doing it
Outlining processes in theory that aren’t followed in practice
Failing to review or update policies after major changes in business activity
Overlooking key areas like cybersecurity, marketing, or AML in newer business models
Assigning compliance tasks without naming who's responsible
You don’t train staff on what the policies say
Examples of Policy Gaps in Fintech
We’ve outlined examples of where fintechs could run into problems because their compliance policies can’t keep up with their business. In each case, a clearer, more tailored approach could make a big difference.
Scenario 1
A payments platform rolled out a faster onboarding process but didn’t update its customer identification policy.
Key verification steps were skipped, and the firm couldn’t explain the change to regulators during a state audit.
At InnReg, we’d review the new onboarding flow and update the CIP policy to match. We’d also put in a simple approval step so policy changes stay aligned with product changes.
Scenario 2
A broker-dealer’s WSPs said supervisors reviewed trading activity daily. In practice, it was happening monthly, with no documentation.
FINRA cited the firm for failure to supervise during an exam.
At InnReg, we’d revise the procedures to reflect the actual cadence, build a simple review log, and assign the task to a registered principal so it’s trackable and exam-ready.
Scenario 3
A lending platform used a third-party vendor for collections but didn’t include oversight or compliance responsibilities in their policies.
The vendor’s actions led to borrower complaints and triggered a CFPB inquiry.
At InnReg, we’d add clear procedures for vendor selection, training, and monitoring. Then, we’d document how compliance stays involved, even when work is outsourced.
Scenario 4
A crypto MSB expanded into new international markets but kept using its original AML policy from launch.
The program failed to address new risks like sanctions exposure and peer-to-peer transfers.
At InnReg, we’d revise the AML policy with updated risk-based procedures for cross-border activity and train the team on how to flag and handle new scenarios.
Our Approach to Building Fintech Policies
You’re building fast. We help you keep compliance policies just as agile—structured where they need to be, flexible where they can be, and built to evolve with your team.
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Frequently Asked Questions
Contact Us
Ready to chat about your compliance needs with a team of fintech regulation experts?
You’re applying for a new license and need policies for the application
You’re launching a new product or feature that changes your risk profile
A regulator or partner asked for written procedures you don’t have
Your last exam found issues tied to missing or outdated policies
