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Compliance and operations support for US fintechs and MSBs
Hilix helps US money transmitters, MSBs and fintechs build BSA/AML programmes, meet FinCEN and OFAC requirements and prepare for state examinations and sponsor bank reviews.
Key authorities
FinCEN
OFAC
State regulators
CFPB
Overview
Operating a fintech in the United States
US fintechs face a layered regime: federal Bank Secrecy Act requirements enforced by FinCEN, OFAC sanctions obligations, state money transmitter licensing and examinations and, for many fintechs, sponsor bank programme requirements.
Our team supports US businesses with written AML programmes, risk assessments, monitoring and SAR support, OFAC screening, independent testing and state licensing preparation, so you can expand across states with confidence.
Regulators
Who supervises fintechs in the United States
Key obligations
What we help you meet
We translate these requirements into day-to-day controls, evidence and reporting.
- Written BSA/AML compliance programme
- FinCEN MSB registration and renewal
- Suspicious activity reports and currency transaction reports
- OFAC sanctions screening and blocking
- Independent testing of the AML programme
- State money transmitter licensing and examinations
- Remittance transfer consumer protection requirements
- Sponsor bank due diligence and oversight
Recommended services
Popular services for fintechs in the United States
AML/CFT Compliance Outsourcing
A complete anti-money laundering and counter-terrorist financing programme, designed and operated for your business model.
Compliance Audits & Independent AML Reviews
Independent file testing and control reviews that show exactly where you stand and what to fix first.
Suspicious Activity Reporting (SAR/STR)
Internal referral, investigation and SAR/STR drafting processes that give your MLRO clear, well-evidenced reports.
Sanctions & PEP Screening
Customer and payment screening against OFAC, OFSI, EU and UN lists with fast, well-documented alert handling.
Fintech Licensing Support (EMI, PI, MSB)
Application preparation for EMI, payment institution and MSB licences and registrations across the UK, EU, US and Canada.
Banking & Partner Due Diligence Support
Questionnaires, evidence packs and review preparation that help you win and keep banking and payout partners.
FAQ
United States: common questions
Can you perform BSA independent testing?
Yes. Our independent reviewers test your AML programme against BSA requirements.
Do you support state licensing?
We prepare compliance and operational documentation for state applications, often alongside specialist counsel.
Can you help with sponsor bank requirements?
Yes. We align your programme and reporting with sponsor bank expectations.