Risk, Compliance & Regulation
New payment services only succeed when regulators trust them.
We help payment providers, wallets and fintechs build AML and fraud frameworks, prepare licence applications and engage central banks with confidence.
Where new services get stuck
AML/CFT and fraud frameworks, licensing preparation and central bank engagement for new payment, wallet and fintech services.
Licence applications are delayed by incomplete documentation.
AML controls raise too many false alerts or miss real risk.
Fraud grows faster than controls as volumes scale.
How we help
We help payment providers, wallets and fintechs build AML and fraud frameworks, prepare licence applications and engage central banks with confidence.
AML/CFT framework
Policies, risk assessments, transaction monitoring and customer due diligence.
Fraud risk management
Fraud strategy, rules, monitoring and case management.
Licensing preparation
Business plans, policies and documentation for payment and wallet licences.
Regulator engagement
Preparing for and supporting dialogue with central banks and regulators.
Risk governance
Risk appetite, controls and reporting for boards and management.
What you receive
Deliverables are tailored to the scope of each engagement.
- Gap assessment
- AML/CFT and fraud frameworks
- Licence application pack
- Policies and procedures
- Regulator engagement plan
Our approach
Every engagement follows a clear path, scoped to what the client needs. Some clients bring us in for a single phase; others ask us to stay through launch.
- 01Diagnose
- 02Design
- 03Mobilise
- 04Launch & scale
Frequently asked questions
What does a payment licence application usually require?
Typically a business plan, governance structure, capital and financial projections, risk and compliance policies, technology and security details, and information on owners and management. Requirements vary by country.
How can AI help AML and fraud teams?
Machine-learning models can detect suspicious patterns more accurately and cut false positives, provided they are well governed and explainable.
What is a risk-based approach to AML?
It means applying stronger controls where risk is higher and simpler controls where it is lower, based on a documented risk assessment.
Do you work with central banks?
Yes. Our founders have engaged directly with central banks on new payment and wallet services.
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Tell us what you are working on and we will come back with a view on how we can help.
info@mercanera.com