Protecht for fintechs

Scale confidently. Stay compliant.

Fintechs in the U.S. face a complex web of state and federal oversight. Whether you're navigating CFPB supervision, managing multiple money transmitter licenses, or preparing for scrutiny of your bank partnerships, Protecht helps fintechs build the risk and compliance foundation they need to grow with credibility and control.

Build a connected risk and compliance system that scales with you

Move beyond spreadsheets and manual tracking with a platform that supports your growth and licensing footprint.

Centralize risk registers for operational, technology, conduct, privacy, and reputational risk
Track ownership, mitigation, reviews, and assessments in a single source of truth
Align with frameworks like COSO, NIST, and ISO 27001 to meet partner, investor and regulator expectations
Scale your risk and compliance processes alongside rapid product and geographic expansion

Prove compliance with federal and state-level obligations

Give regulators, sponsors, and investors confidence that your house is in order.

Maintain an integrated register of obligations covering BSA/AML, UDAAP, data privacy, lending laws, and CFPB rules
Link laws and regulations to internal controls, training and policies for automated evidence
Track attestations, complaints, breach reports and issue resolution in one system
Generate audit-ready reports for CFPB exams, state licensing renewals, and bank partner oversight

Manage third-party and partner bank risk with full visibility

Stay in control of the fintech ecosystem you rely on to operate and scale.

Maintain a central third-party register with risk ratings, onboarding workflows and review schedules
Document contracts, SLAs and contingency plans for partner banks, processors and cloud vendors
Link vendor-related risks, controls, incidents and reviews to assess overall exposure
Align with OCC and FDIC expectations for third-party oversight, even if applied via partner bank requirements

Keep pace with a fast-changing regulatory landscape

Adapt quickly without overloading your compliance team.

Track developments from CFPB, FinCEN, SEC, state regulators and Congress in a live obligations register
Map regulatory changes to internal policies, controls and workflows
Monitor frameworks for crypto, open banking, and AI to stay ahead of new rules
Give executives and boards real-time oversight through dashboards and risk metrics

Trusted by well known organisations

Flexible risk management. Designed by risk experts.

Analytics & dashboards

Configurable platform

User experience

Implementation and support

Your insights. Made for action.

Get a full picture of your business’s risk profile – so you can make better strategic decisions faster. Protecht’s platform delivers interconnected, structured data through dashboards and reports that can be easily categorized and documented. So you can spot trends and identify areas that need the most action. And bring important stakeholders along the journey too.

A platform of possibilities.

Our system can be configured to your business’s unique needs without any coding. With features like a dynamic form builder, the capability to automate notifications and email alerts based on your unique needs and customizable risk assessment scales, it has the flexibility you need for a risk solution that’s all your own.

Designed for teams. Delivered to take you further.

Risk management isn’t the responsibility of one person. Protecht’s clean, easy-to-use solutions help you engage and empower more of your team – so that risk ownership reaches more of your organization. That means less time chasing teammates on the day-to-day tasks. And more time focusing on strategic work that makes the biggest difference

Get the expertise. Experience success.

No two organizations are the same – and that includes how they manage risk. For over twenty years we’ve been partnering with clients across all kinds of industries to implement ERM solutions that adapt to their needs and set them up for success. Our team can quickly implement a way forward that works for you – and then keep you at the forefront of any key changes to the risk landscape.

Case study

How WorldRemit uses Protecht to manage risk across 130 countries

Specialising in digital P2P money transfers, WorldRemit is a fast-growing remittance firm. Over the last twelve years, the business has grown to serve 5.7 million customers, using 70 different currencies, across 130 countries worldwide. When WorldRemit set out to find the ultimate ERM system, there would be no compromise.

Thought leadership on risk for fintechs.

Watch our latest thought leadership webinars and read our latest blogs, eBooks and white papers on risk management topics for fintechs.

White paper

Enterprise risk management for fintechs.

Read now

Thought leadership webinar

Governing AI risk: Tools, frameworks and real-world implementation with Protecht.

Thu Aug 28 | Register now

Blog

Top 5 Risk Management Challenges for FinTechs

Read now

Frequently asked questions about governance, risk and compliance (GRC) for fintechs

US fintechs must comply with a mix of federal and state-level laws. Common requirements include BSA/AML programs (via FinCEN), consumer protection standards (from the CFPB and state regulators), privacy and data laws (like California’s CPRA), and often multiple state licenses for money transmission or lending. Depending on business model, fintechs may also face SEC, CFTC or banking oversight.

Bank regulators (OCC, FDIC, Fed) have issued warnings about “rent-a-bank” arrangements and now expect banks to exercise meaningful oversight of fintech partners. While the fintech may not be directly regulated by prudential authorities, its activities will be scrutinized through its bank sponsors. Protecht helps fintechs document and evidence controls that satisfy partner expectations.

Fintechs operating as money services businesses (MSBs), such as those handling payments or virtual assets, must register with FinCEN and comply with AML program obligations. This includes customer identification, transaction monitoring and suspicious activity reporting. Protecht allows you to link these obligations to controls, track investigations and maintain audit trails.

Fintechs operating nationally must navigate a patchwork of state rules, including licensing for lending or money transmission, state usury caps, and privacy laws. Protecht helps manage this complexity by consolidating obligations and automating workflows, so compliance doesn’t rely on manual monitoring or static documents.

Protecht supports readiness by structuring controls around CFPB standards like UDAAP, complaint handling, and outcome monitoring. If you fall within CFPB’s supervisory scope (e.g. large lenders or payments providers), our platform helps you demonstrate that your compliance program is working and auditable.

es. Protecht allows you to track and document model governance (for AI), regulatory alignment (for crypto), and data protection (for open banking). You can maintain evidence of risk assessments, customer protections, and third-party oversight in a way that meets evolving expectations from regulators and partners alike.

Operational resilience is increasingly expected from fintechs, even if not formally mandated. Protecht helps you document incident response plans, test recovery strategies, and manage vendor concentration risks. All of these are critical for sustaining trust and partnerships in a competitive market.

Scale confidently. Stay compliant.

Build a connected risk and compliance system that scales with you

Prove compliance with federal and state-level obligations

Manage third-party and partner bank risk with full visibility

Keep pace with a fast-changing regulatory landscape

Trusted by well known organisations