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Advisory & Audit Services for FinTech Companies

Built for fast-moving teams in a regulated world. We help FinTechs align with banking expectations and build trust that lasts.

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The Partner FinTechs Trust to Navigate Financial Regulation

FinTechs are changing the way money moves, but as banking partners face growing regulatory pressure, compliance expectations are shifting fast. Whether you’re launching, scaling, or already embedded in the financial system, you need a partner who speaks both languages: tech and regulation.

Saltmarsh has deep roots in both. Our team includes former bankers, seasoned compliance professionals, and technology specialists who understand how FinTechs operate—and how banks and regulators expect them to operate. We help FinTechs prepare for audits, strengthen internal controls, and build compliance programs that support long-term growth.

Why FinTechs Choose Saltmarsh

Fast-moving FinTechs need more than a checkbox compliance firm. You need a partner who understands the realities of working with banks, regulators, and complex technology.

Many on our team come from banking, so we know what your partners are looking for—and how to help you meet those expectations without slowing down your growth. Plus, with in-house IT and cybersecurity experts, we support even the most advanced business models, from embedded finance to BaaS platforms.

You’ll get practical guidance, not generic advice. Our team bridges the gap between regulatory requirements and real-world operations so you can focus on building, not deciphering compliance language.

 

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Explore More Services:

Banks
Credit Unions
Fintechs
Regulatory Compliance
Internal Audit
FDICIA 363 Consulting & Readiness
Credit Quality Reviews
ACH Reviews & Risk Assessments
BSA, AML, OFAC, and CFT
Fair Lending & UDAAP Risk Reviews
CRA Services 
Asset Liability Management Review
Information Systems & Cybersecurity Audits
Trust Operations & Fiduciary Responsibilities
Advisory, Training, and Coaching
 

 

How We Help FinTech Companies

Every FinTech is different, but many face the same core challenge: proving that their systems, partners, and controls are up to par. We help companies prepare for banking relationships, respond to audit requests, and navigate the expectations that come with rapid growth. Here are just a few of the areas we support:

Regulatory Compliance

Prepare for current or future oversight with gap assessments, policy reviews, and compliance program development.

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Internal Audit

Independent reviews of key risk areas to support banking relationships and demonstrate sound governance.

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ACH Reviews & Risk Assessments

Fulfill required annual audits and risk reviews under NACHA guidelines, whether as a third-party sender or embedded payments platform.

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BSA/AML/OFAC/CFT

Assess anti-money laundering practices, controls, and program structure to stay aligned with federal expectations.

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Fair Lending & UDAAP Risk Reviews

Identify exposure areas and ensure lending and servicing practices meet regulatory and partner standards.

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Information Systems & Cybersecurity Audits

Evaluate controls, infrastructure, and processes, including IT audits, vulnerability assessments, and social engineering testing.

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Third-Party Risk Management Reviews

Strengthen oversight of your vendors and partners and show the rigor required to be embedded in a bank’s compliance stack.

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FDICIA 363 Consulting & Readiness

For FinTechs approaching key audit thresholds, we help evaluate controls and prepare for more complex reporting.

Not sure what you need? Many FinTechs come to us because a bank asked for a specific audit or review. Others engage us proactively to build out a compliance program ahead of growth. We can help in either case—and tailor our approach to your business model.

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People and Practices. The team is well trained, knowledgeable, experienced, accessible, and demonstraates good communication skills. Fieldwork, deliverables and presentations are first class. Our team at the bank always has good dialogue with Saltmarsh, and we learn something with each engagement.
Piedmont Federal Savings Bank NC

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Get the Most Recent Updates at a Glance

Recent & Upcoming Regulatory Compliance Changes – Quarterly Update

This document includes concise summaries of the most material developments over the past quarter. It’s ideal for those who need a quick, focused view of what’s changed since the last report.

What’s inside:

  • Key updates from CFPB, OCC, FDIC, FRB, and HUD
  • Effective dates and impact levels
  • Hyperlinked citations to original rules
  • Summaries of rescinded, vacated, or delayed provisions

Download Now

Built for the Way You Work

We know how FinTechs operate: lean, fast, and focused on building. You’re not structured like a bank, and you shouldn’t be treated like one. But your partners are banks, and that means you’re held to their standards.

Saltmarsh understands both sides of the relationship. We help you navigate it successfully by:

  • Translating regulatory requirements into practical action
  • Communicating clearly with bank partners
  • Avoiding the delays, confusion, and friction that come from mismatched expectations

Our role is part advisor, part translator, and part firewall. Whether you need a quick audit, a full-scope review, or ongoing advisory support, we’re here to help you move forward with confidence.

Let’s Talk

Whether you're responding to a bank request, planning for growth, or building your compliance program from scratch, we can help. Reach out to our FinTech team today to start a conversation.

 

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