Director-Level Fractional BSA Leadership for High-Risk Environments
When transaction volumes spike, audits accelerate, or your BSA Officer steps away, your AML program can't pause. Fraxtional deploys a Director-level fractional BSA leader who steps into your environment immediately.
Trusted by Industry Leaders
Partnering with top fintechs, banks, and crypto firms to navigate compliance and drive innovation.
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Features
How Fraxtional Delivers Expert Fractional BSA Compliance
Immediate Ownership of AML/BSA Obligations
Fraxtional places a senior BSA/AML executive directly into your team, someone who doesn't need onboarding time or hand-holding.
- Own daily monitoring, SAR/STR workflows, and case governance
- Respond to regulator or sponsor bank inquiries with accuracy and confidence
- Stabilize existing backlogs without interrupting business operations
Regulatory-Grade Program Oversight
Your fractional BSA leader provides the strategic direction regulators and banks expect from a mature AML program.
- Conduct BSA risk assessments aligned to partner-bank requirements
- Evaluate the effectiveness of KYC/KYB and sanctions procedures
- Design or recalibrate AML systems, policies, playbooks, and QA controls
Flexible, Transition-Ready AML Leadership
FinTechs and crypto firms often experience rapid compliance cycles; Fraxtional adapts to all of them.
- Provide fractional, part-time, or multi-month BSA leadership based on your scale
- Support long-term advisory for AML strategy or new product evaluations
- Ensure complete knowledge transfer with case summaries and risk memos
Your BSA obligations continue regardless of internal transition. Fraxtional ensures nothing slips.
- Maintain uninterrupted SAR filings, CTR management, monitoring reviews, and sanctions checks
- Prevent operational gaps that raise red flags with regulators or sponsor banks
- Keep your program audit-ready while you restructure or scale
Fractional BSA leaders identify and mitigate risks before they turn into findings.
- Close gaps that often lead to consent orders, MRA findings, or sponsor bank pauses
- Build defensible documentation for every decision, escalation, and risk assessment
- Strengthen overall AML governance to instill confidence in internal and external stakeholders
Flexible, Transition-Ready AML Leadership
FinTechs and crypto firms often experience rapid compliance cycles; Fraxtional adapts to all of them.
- Provide fractional, part-time, or multi-month BSA leadership based on your scale
- Support long-term advisory for AML strategy or new product evaluations
- Ensure complete knowledge transfer with case summaries and risk memos
The Benefits of Working with Fraxtional
Partnering with top fintechs, banks, and crypto firms to navigate compliance and drive innovation.
Your BSA obligations continue regardless of internal transition. Fraxtional ensures nothing slips.
- Maintain uninterrupted SAR filings, CTR management, monitoring reviews, and sanctions checks
- Prevent operational gaps that raise red flags with regulators or sponsor banks
- Keep your program audit-ready while you restructure or scale
Fractional BSA leaders identify and mitigate risks before they turn into findings.
- Close gaps that often lead to consent orders, MRA findings, or sponsor bank pauses
- Build defensible documentation for every decision, escalation, and risk assessment
- Strengthen overall AML governance to instill confidence in internal and external stakeholders
Banks expect maturity, consistency, and leadership, especially from fintech and crypto partners.
- Demonstrate proactive BSA oversight during high-scrutiny periods
- Maintain trust with partner banks through reliable reporting and transparent communication
- Reduce the chances of partner bank escalations, onboarding delays, and enhanced monitoring
Fraxtional ensures your entire AML ecosystem is structured, defensible, and presentation-ready.
- Comprehensive documentation for audits, partner-bank reviews, regulatory exams, and internal committees
- Clearly defined workflows for SAR escalation, sanctions review, and transaction monitoring
- Optional team walkthroughs to train your analysts and investigators on improved processes
You get the same senior talent that large banks rely on without the need for full-time hiring.
- Leadership from professionals who have managed AML programs at fintechs and regulated financial institutions
- Guidance informed by both startup agility and bank-grade governance
- Confidence that your AML program meets U.S. and international BSA/AML expectations
Enhance your BSA function for Audit-Ready Operations
Whether you're facing sponsor bank scrutiny or leadership transitions, Fraxtional provides you with immediate AML stability, seamless oversight, and uninterrupted operational continuity. Stay always audit-ready and in compliance.
testimonials
Client Success Stories
“After looking around at various options, including the hiring of a full-time BSA Officer, we were convinced that having a fractional resource provided us the most flexibility, but also the most expertise at the best price. Fraxtional met that need for us, delivering a Director that supported us in discussions with a new sponsor bank and other key stakeholders in our business. Would definitely recommend!”
– CEO, Series B FinTech
“I was referred to Fraxtional by another Founder at Y Combinator. Everything I was told about their flexibility and desire to grow with us turned out to be true! From the very beginning, Ryan and his team understood our needs and understood our budget. With that, they provided us a sustainable path forward to meet our compliance obligations.”
– Co-Founder, Seed Stage FinTech
“I never anticipated hiring a fractional Chief Compliance Officer over a full-time executive, but that changed when I understood the flexibility it provide my company. Leveraging Fraxtional's deep experience on a daily basis has only reinforced that decision.”
– CEO, Crypto Firm
Faqs