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Compliance & AML
Compliance audits that tell you the truth before a regulator does
Our reviewers test your files, controls and governance against regulatory requirements and your own procedures, then deliver rated findings and a practical remediation plan.
At a glance
Scoping and planning
File testing
Control effectiveness
Governance review
Supporting fintechs in the UK, EU, US and Canada
Overview
An honest view of your compliance health
Many regulations and banking partners expect an independent review of your AML programme. More importantly, a good audit is the cheapest way to find weaknesses while you still have time to fix them on your own terms.
Hilix reviewers are independent from the teams being tested. We sample onboarding, screening, monitoring and SAR files, test governance and training records, interview staff and compare what happens to what is written. Findings are rated, evidenced and paired with realistic remediation actions.
What’s included
Everything included in Compliance Audits & Independent AML Reviews
Who this is for
- MSBs and remittance firms requiring an independent AML test
- EMIs and payment institutions preparing for regulatory visits
- Fintechs asked by a bank partner for an independent review
- Boards wanting assurance on their compliance function
What you receive
- Audit plan and testing methodology
- Rated findings report and executive summary
- Sample testing workpapers
- Remediation plan with owners and dates
- Follow-up validation report
How we work
How we take over or build your compliance function
Diagnose
We review your policies, risk assessment, case files, queues and systems to see what works, what is missing and what is exposed.
Design
We agree scope, service levels, escalation rules and the decisions that stay with your MLRO, then document them.
Operate
Our analysts work inside your tools, clear queues to agreed SLAs and record every decision with evidence.
Report and improve
Weekly and monthly MI, quality checks and trend analysis feed continuous improvement and board reporting.
FAQ
Compliance Audits & Independent AML Reviews: common questions
Is the review independent if you also provide services?
Where we operate part of your compliance function, we keep audit work with separate reviewers and disclose the relationship so the review remains objective. Some regulators require a fully separate firm, and we will tell you if that applies.
Does this satisfy the US independent testing requirement?
Our review can be scoped to meet Bank Secrecy Act independent testing expectations for MSBs. Confirm any state-specific requirements with us during scoping.
How long does an audit take?
Most fintech AML audits take two to six weeks depending on size, scope and sample sizes.
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All Compliance & AML services
KYC, KYB, screening, transaction monitoring, SARs, policies, audits and MLRO support run by experienced fintech compliance practitioners.