Running a fintech or crypto company means navigating an increasingly complex web of financial regulations. From Money Transmitter Licenses (MTLs) to anti-money laundering (AML) obligations, staying compliant isn’t optional; it’s the foundation of trust with banks, regulators, and investors.
At Ridgeway Financial Services, we provide Outsourced Compliance Officer (BSA/AML) Services that give startups and established companies access to experienced compliance leadership, without the cost of hiring a full-time head of compliance.
What Is an Outsourced Compliance Officer?
An outsourced or fractional compliance officer is a senior-level professional who oversees your company’s BSA/AML program, monitors compliance risks, and ensures ongoing regulatory readiness.
Instead of maintaining an internal compliance department, your company can partner with RFS to fulfill this critical role. We act as your designated Compliance Officer, responsible for:
- Designing and maintaining AML and KYC policies
- Monitoring transactions for suspicious activity
- Managing FinCEN registration and Money Services Business (MSB) renewals
- Filing Suspicious Activity Reports (SARs) and Currency Transaction Reports (CTRs)
- Preparing for state regulatory exams or audits
- Conducting annual independent AML reviews
Whether you’re applying for a money transmitter license, operating a crypto exchange, or launching a new payments platform, our team ensures your compliance program meets every federal and state requirement.
Why Fintech and Crypto Companies Need AML Compliance Leadership
- Regulatory complexity: Every U.S. state has its own MTL rules, and most fintech or digital-asset businesses fall under those laws. Each license requires proof of a robust AML program.
- Banking access: Most banks and payment processors require a designated compliance officer and a working AML policy before approving any partnership or account.
- Investor confidence: Venture investors, custodians, and institutional partners expect a mature compliance framework before funding or onboarding your platform.
By outsourcing compliance leadership to Ridgeway Financial Services, you gain instant access to the same level of oversight regulators expect from full-scale institutions, delivered flexibly and affordably.
What Our Outsourced Compliance Officer Services Include
We tailor every engagement to fit your company’s size, structure, and regulatory exposure. Our standard services include:
- BSA/AML Policy Development: Custom policies aligned with FinCEN and state MTL laws.
- Risk Assessment & Internal Controls: Identify and mitigate risks tied to money transmission, payments, or virtual assets.
- Transaction Monitoring Framework: Setup of practical processes and alerts for high-risk activity.
- Ongoing Reporting & Filings: SARs, CTRs, FinCEN renewals, and NMLS call reports.
- Independent AML Reviews: Annual audits that meet state and federal requirements.
- Training & Advisory: Staff training, board reporting, and regulator communications.
Our professionals are CPAs and compliance specialists who understand both finance and regulation, giving you integrated oversight that aligns with your financial controls, not separate from them.
Who We Serve
Ridgeway’s Outsourced Compliance Officer service is ideal for:
- Fintech startups preparing for MTL applications or banking relationships
- Crypto exchanges, wallet providers, and stablecoin issuers
- Payment processors, neobanks, and lending platforms
- Established MSBs seeking independent AML reviews or staff augmentation
- International firms entering the U.S. market and needing compliance setup
Whether you’re launching or scaling, we help ensure your company operates safely, legally, and efficiently across multiple jurisdictions.
Benefits of Partnering With Ridgeway Financial Services
- Save on overhead: Get executive-level compliance leadership at a fraction of full-time cost.
- Stay audit-ready: Maintain proper documentation, reporting, and AML testing year-round.
- Accelerate licensing: Meet MTL and MSB readiness requirements faster with expert guidance.
- Strengthen financial integrity: Integrate compliance with CFO-level financial strategy.
Our goal is simple: to protect your business, your customers, and your reputation while freeing you to focus on innovation and growth.
Get Started With Outsourced Compliance Officer Support
If your company handles payments, digital assets, or customer funds, you’re operating in a regulated space. Partnering with a seasoned compliance team is no longer optional; it’s essential.
Ridgeway Financial Services provides scalable, on-demand compliance leadership for fintech, payments, and crypto companies nationwide.
Contact us today to learn how our Outsourced Compliance Officer (BSA/AML) Services can help you stay compliant, secure banking partnerships, and build long-term trust with regulators and investors.
Reviewed by YR, CPA
Senior Financial Advisor