Timothy M.

I help FinTech, payments and cryptocurrency companies build, assess and strengthen practical AML/CFT, KYC/KYB, sanctions, transaction-monitoring and regulatory compliance programmes. With 10+ years of experience across financial services, cross-border payments, digital assets and regulated technology businesses, I have worked as a Head of Compliance, MLRO, Product Compliance Manager, financial-crime specialist and risk adviser. My work goes beyond writing policies. I translate regulatory requirements into controls, governance structures, operating procedures and implementation plans that can withstand scrutiny from regulators, banking partners, auditors, investors and enterprise customers. SELECTED EXPERIENCE AND IMPACT • Led governance and compliance workstreams supporting successful regulatory licensing for payments and financial-services businesses. • Built and scaled risk and compliance functions from the ground up for multiple FinTech and technology startups. • Reduced financial-crime risk exposure and compliance errors by up to 50% through stronger risk assessments, onboarding controls, monitoring and investigation workflows. • Designed AML/CFT, KYC/KYB, sanctions, enhanced due diligence and transaction-monitoring frameworks for FinTech, payments and cryptocurrency products. • Embedded compliance requirements into onboarding, payments, digital-asset and account-management processes with product, engineering, operations, legal and executive teams. • Prepared businesses for regulatory reviews, bank and payment-partner due diligence, independent audits and enterprise assessments. • Conducted cryptocurrency investigations and developed wallet-screening and blockchain transaction-monitoring processes using leading analytics tools. HOW I CAN HELP AML and financial-crime compliance: • AML/CFT programme design, review and remediation • KYC, KYB and customer due diligence frameworks • Customer and business risk-rating methodologies • Enhanced due diligence and high-risk customer procedures • Sanctions, PEP and adverse-media screening controls • Transaction-monitoring frameworks and rule reviews • Suspicious-activity escalation and investigation procedures • Financial-crime risk assessments • AML, KYC, sanctions and fraud policies and procedures FinTech, payments and crypto compliance: • Regulatory licensing and market-entry readiness • Cross-border payments compliance • Crypto wallet screening and blockchain investigations • Product compliance and regulatory risk assessments • Banking-partner and payment-provider due diligence • Regulatory obligation mapping across jurisdictions • Compliance requirements for new products and customer journeys Compliance assurance and advisory: • Compliance audits and gap assessments • Audit-finding remediation plans • Control design and effectiveness reviews • Governance and compliance reporting • Board and employee training • Fractional Head of Compliance and MLRO support I also support data privacy, DPIAs, third-party risk and enterprise risk where these form part of a wider financial-services or product-compliance programme. TYPICAL CLIENT ENGAGEMENTS Clients usually engage me to: • Build a compliance programme before launching a regulated product • Prepare for a licence application or regulatory assessment • Address weaknesses identified by a regulator, auditor or bank • Improve KYC/KYB, EDD or customer-risk scoring • Review transaction-monitoring rules and investigation workflows • Develop or update compliance policies and procedures • Assess the regulatory risks of a new FinTech or crypto product • Establish a compliance function without immediately hiring a full internal team • Prepare documentation requested by a bank, investor, regulator or payment provider • Expand into a new market and identify the resulting compliance obligations WHAT YOU WILL RECEIVE Depending on the engagement, deliverables may include: • Regulatory and financial-crime risk assessments • Compliance gap-analysis reports • AML/CFT and KYC/KYB frameworks • Policies, procedures and control documentation • Risk-rating methodologies • Control matrices and responsibility maps • Transaction-monitoring requirements • Remediation and implementation roadmaps • Governance and management reporting templates • Training materials and implementation support Every engagement is tailored to your business model, products, jurisdictions, customers, transaction flows and risk profile. I do not provide generic policy packs without first understanding how the business operates. You can expect clear communication, practical recommendations, agreed timelines and regular progress updates. Sensitive business, customer and regulatory information is handled confidentially. To discuss a project, send me a brief description of your business, jurisdictions, compliance challenge, deadline and required deliverables. I will recommend a clear scope, delivery approach and next steps.