Compliance consulting and policy frameworks for banks and fintechs.
Key Compliance Group writes policy sets around how your institution operates, fills compliance leadership roles part-time, and offers the same library as program kits for teams that prefer to do the work themselves.
Or start with the free Sponsor Bank Readiness Checklist.
Tailored Policy Set
Your policies, written for your program
The Policy Framework rebuilt around your products, people, systems, and decisions, with a written record of every choice and each open item.
From $6,500
Fixed fee, license included. Delivery in 15 business days from a completed questionnaire.
CRCM
Certified Regulatory Compliance Manager, American Bankers Association
CAMS
Certified Anti-Money Laundering Specialist, ACAMS
15+ years
Wells Fargo, American Express, Merrick Bank, First Electronic Bank
Since 2020
Advisory and audit engagements for eight fintechs and two banks
How we can help
Tailored policy frameworks
Your policy set written for your institution from the KCG Policy Library, at a fixed fee.
Fractional CCO and BSA Officer
Part-time compliance leadership while you hire, or for as long as the program needs it.
Compliance consulting
Program builds, risk assessments, compliance testing, and exam preparation.
Program kits
For teams that prefer to do the work themselves. Editable Word and Excel files in a Fintech or Bank edition. Pay once per institution, with no membership, no seat limits, and 12 months of updates. If you later want a kit written for your institution, its price is credited toward a Tailored Policy Set signed within 90 days.
Policy Framework
The core policies sponsor banks and examiners ask for first, including CMS, BSA/AML and sanctions, third-party risk, UDAAP, complaints, and the rest of the governance set.
$1,195
Bank-Ready Program Kit
Flagship kit
The complete library for your edition, with every policy, procedure, form, and tool (93 files in the Fintech edition, 95 in the Bank edition), the requirements and controls maps, and a one-hour implementation call.
$2,995
Documentation and Tools Kit
The BSA/AML procedures plus 14 core workbooks, logs, and report templates for risk assessments, third-party due diligence, testing, issues, complaints, training, regulatory change, and board reporting.
$695
Module kits cover lending, deposits and payments, consumer protection and privacy, fraud, operational risk and AI, exams and board reporting, sponsor bank reviews, partner oversight, and the proposed AML/CFT rules. Find your kit · For community banks and credit unions
Resources
Articles, straight answers, and four free resources from Key Compliance Group.
Articles
Plain-language analysis of what regulators are doing and what it means for your program.
Compliance FAQ
Short answers on BSA/AML, CIP and KYC, SARs, complaints, sponsor bank expectations, and more.
Free tools and checklists
Free
The regulatory applicability matrix, the complaint log, the Sponsor Bank Readiness Checklist, and the Fintech Partner Due Diligence Checklist.
Tools
From $149
Individual workbooks, logs, and report templates, for teams doing the work themselves.
Recent articles
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The Stablecoin Rule Is Final. Your Bank’s Position Isn’t.
The OCC’s GENIUS Act rule takes effect January 18, 2027, and leaves the hard calls, including the BSA ones, to each bank’s judgment.
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The AML/CFT Program Rule, Current vs. Proposed: A Side-by-Side
No final rule yet. Here’s what the proposals would change in each part of a BSA program, and what’s worth doing before they’re final.
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Your Alert Thresholds Need Evidence, Not Stakeholder Judgment
FinCEN’s $1.2 billion Bank of America order shows the evidence examiners will expect behind every monitoring threshold, at banks of any size.
Mike Smith, CRCM, CAMS
Mike has spent more than 15 years in bank and fintech compliance, at Wells Fargo, American Express, Merrick Bank, and First Electronic Bank, and has advised fintechs and their sponsor banks as an independent consultant since 2020. His work covers both sides of the bank and fintech relationship. He builds BSA/AML and compliance management programs, stands up sponsor bank oversight, and gets programs ready for exams. He reviews every kit and tool in the library.