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Services
Outsourced compliance and AML for fintechs that need to get it right every day
From the first onboarding check to the last audit finding, Hilix runs the daily compliance work regulated fintechs depend on. Our analysts and compliance leads have spent 8+ years inside UK, EU, US and Canadian payment businesses, so your controls are practical, evidenced and ready for scrutiny.
Compliance & AML
Compliance that protects your licence, your banking partners and your growth
Regulators, sponsor banks and payout partners judge a fintech on one question: can you prove your controls work? Most growing payment businesses can write a policy. Far fewer can show consistent onboarding decisions, cleared alert queues, documented investigations and a monitoring programme that catches its own gaps.
Hilix gives you a dedicated compliance function without the cost and delay of hiring a full in-house team. We design the framework, operate the daily queues, keep the evidence and report to your MLRO and board in plain language. You stay in control of risk appetite and final decisions. We make sure the work behind them is done properly, on time and on record.
Services
Our Compliance & AML services
KYC, KYB, screening, transaction monitoring, SARs, policies, audits and MLRO support run by experienced fintech compliance practitioners.
AML/CFT Compliance Outsourcing
A complete anti-money laundering and counter-terrorist financing programme, designed and operated for your business model.
KYC Verification Services
Fast, consistent customer identity checks and onboarding decisions, with every case fully evidenced.
KYB Verification (Know Your Business)
Business customer onboarding with company, ownership, UBO and director checks done thoroughly and documented clearly.
Customer Due Diligence (CDD)
Risk-based CDD standards covering identity, purpose, expected activity and ongoing review, applied consistently.
Enhanced Due Diligence (EDD)
Deep reviews of high-risk customers, PEPs and complex relationships, with source of wealth evidence and approval packs.
Sanctions & PEP Screening
Customer and payment screening against OFAC, OFSI, EU and UN lists with fast, well-documented alert handling.
Adverse Media Screening
Structured negative news searches with clear relevance assessments and risk conclusions for customers and businesses.
Transaction Monitoring Services
Rule design, daily alert investigation, threshold tuning and MI that keep your monitoring effective and your queues clear.
Fraud Prevention & Investigation
Fraud rules, behavioural indicators and case investigation that cut losses from account takeover, scams and mule activity.
Suspicious Activity Reporting (SAR/STR)
Internal referral, investigation and SAR/STR drafting processes that give your MLRO clear, well-evidenced reports.
Compliance Policies & Procedures
Business-specific AML, KYC, screening, monitoring and operational policies and SOPs written to be used, not shelved.
Business-Wide AML Risk Assessment
A business-wide financial crime risk assessment that links every inherent risk to real controls and residual risk.
Compliance Audits & Independent AML Reviews
Independent file testing and control reviews that show exactly where you stand and what to fix first.
Compliance Monitoring & Testing
A second-line monitoring plan with regular testing, QA sampling and issue tracking that catches gaps early.
MLRO & Compliance Officer Support
Experienced support for your MLRO or compliance officer: investigations, reporting, board MI and regulatory correspondence.
AML Compliance Training
Role-based AML, sanctions, fraud and conduct training with real fintech case studies and completion records.
Periodic Reviews & KYC Remediation
Risk-based KYC refresh cycles and large back-book remediation projects delivered on time and to a consistent standard.
Why Hilix
Why fintechs choose Hilix for Compliance & AML
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 & AML: frequently asked questions
Can Hilix act as our compliance department?
Yes. Many clients use us as their day-to-day compliance team for KYC, KYB, screening, monitoring and investigations, while a named MLRO or compliance officer in your business keeps formal accountability and final sign-off where regulation requires it.
Which regulations do you work to?
We work to the UK Money Laundering Regulations and FCA expectations, EU AML directives and the new AMLA framework, the US Bank Secrecy Act with FinCEN and OFAC requirements, Canada’s PCMLTFA with FINTRAC guidance, and FATF recommendations for other markets.
Do you need access to our systems?
Usually yes. We work inside your onboarding, screening and monitoring tools with role-based access you control, so decisions and audit trails stay in your environment.
How quickly can you start?
For queue-based work such as KYC reviews or alert handling, a typical onboarding takes one to three weeks depending on system access, training on your procedures and agreed SLAs.