Cybersecurity Compliance Services for Fintechs
Cybersecurity compliance is not just about technology. It’s about meeting regulatory standards while protecting your customers and business. InnReg supports fintechs by building, reviewing, and managing cybersecurity programs that reflect how your company operates and what the rules require.
What Is Cybersecurity Compliance in Fintech?
Cybersecurity compliance means following the rules that apply to how your fintech protects data, systems, and customer information. It’s not just about firewalls or encryption, but also about meeting regulatory expectations through written policies, security controls, and ongoing oversight.
Whether you're a broker-dealer, RIA, lender, money transmitter, or crypto platform, regulators like the SEC, FINRA, NYDFS, and the FTC want to know how you’re identifying and managing cybersecurity risks. They expect documented programs that fit your risk profile and operations.
Regulators often ask for your cybersecurity policies during exams, audits, or licensing reviews
You may be legally required to maintain a written information security program, depending on your business model and licenses
Cyber incidents can trigger regulatory reporting requirements, especially if customer data is exposed
A strong cybersecurity program helps define who is responsible for what and how key risks are managed
Third-party vendors, cloud platforms, and APIs add complexity that regulators expect you to monitor and control
Having clear, documented controls in place can reduce findings and speed up your response in exams or investigations
What Regulators Expect From Your Cybersecurity Program
Regulators don’t just want to know that you take cybersecurity seriously. They want to see how your program works in practice. Across different fintech models, agencies like the SEC, FINRA, NYDFS, and the FTC expect documented, risk-based programs that fit your operations, not generic checklists.
Common Cybersecurity Compliance Mistakes in Fintech
Using generic security policies that don’t reflect your actual systems or risks
Launching new features or integrations without updating your risk assessments
Not assigning clear internal ownership of cybersecurity tasks
Only doing a one-time setup and skipping regular program review
Failing to monitor or review third-party vendor security practices
Leaving admin accounts active after employee departures
Not having an incident response plan
Examples of Cybersecurity Compliance Gaps in Fintech
Here are examples of how missing or outdated cybersecurity practices can turn into regulatory or operational risks for fintechs.
Scenario 1
The Issue: An RIA used a third-party CRM, but its security settings weren’t reviewed or configured.
What Happened: Client data was exposed via shared links. The SEC cited the firm under Reg S-P for failure to safeguard customer information.
How We’d Approach It: At InnReg, we’d review vendor settings, align permissions with actual workflows, and update documentation to reflect those controls.
Scenario 2
The Issue: A mobile payments startup used a legacy policy from its launch phase.
What Happened: During an exam, state regulators found the policy didn’t cover new app features or third-party tools.
How We’d Approach It: At InnReg, we would update the cybersecurity policy to reflect the current product setup, risks, and regulatory scope, and train the team accordingly.
Scenario 3
The Issue: A broker-dealer had an outdated user deactivation process.
What Happened: A former employee retained access to internal tools, which FINRA flagged as a control failure.
How We’d Approach It: At InnReg, we’d build a termination checklist tied to HR offboarding and set up periodic access audits.
Scenario 4
How InnReg Supports Cybersecurity Compliance for Fintechs
InnReg helps fintech teams build cybersecurity compliance programs that match their tools, risks, and regulatory obligations. Our approach is hands-on, flexible, and built around how fast-moving companies operate.
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Frequently Asked Questions
When to Bring in Help With Cybersecurity Compliance
These are common signs that your cybersecurity compliance may need extra support. If any of these sound familiar, we can help:
You’re applying for a license that asks for written cybersecurity policies
A regulator or partner requested a copy of your incident response plan
Your team uses third-party vendors, but no one owns vendor oversight
You’ve made product changes that haven’t been reflected in your policies
You’re not sure who’s responsible for access reviews or training
