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ZH AML & Financial Crime Lawyer
U.S. anti-money laundering obligations depend on the business’s activities and regulatory status. A fintech or payments company can start by checking whether its activities make it a money services business (MSB) and whether FinCEN registration applies. An MSB’s risk-based AML program must include internal controls, a designated compliance person, training, and independent review.
FinCEN MSB classification · FinCEN registration · MSB AML program rule
Sector services and AML guides
Fintech and payment processors · Cryptocurrency and digital assets · Common AML compliance failures · MSB compliance guide
AML & BSA Compliance
Legal support for developing and reviewing AML/BSA programs, risk assessments, transaction monitoring, reporting procedures and remediation of compliance gaps.
FinCEN Compliance & Enforcement
Legal advice on FinCEN compliance, reporting obligations, regulatory inquiries, investigations and enforcement matters, including corrective action planning.
KYC, CDD & Beneficial Ownership
Legal guidance on KYC, customer due diligence, beneficial ownership checks and source-of-funds reviews, including responses to bank documentation requests.
AML Investigations & Enforcement Defense
Representation in AML investigations and enforcement matters, including internal reviews, subpoena responses, transaction analysis and regulatory defense.
MSBs & Money Transmitters
Legal counsel for MSBs and money transmitters on FinCEN registration, state licensing requirements, AML programs and regulatory analysis of business models.
Fintech & Payment Processors
Compliance advice for fintechs and payment processors on AML, KYC/KYB, merchant due diligence, payment flows and requirements imposed by banking partners.
Cryptocurrency & Digital Assets
Legal support for digital asset businesses on AML programs, FinCEN requirements, KYC/KYB, wallet and counterparty risk, sanctions screening and investigations.
Cross-Border Payments & AML
Legal guidance on cross-border payment structures, correspondent banking, source-of-funds documentation and payment holds involving AML or sanctions reviews.
Bank Account Freezes & AML Holds
Legal help with bank account freezes and AML holds, including KYC reviews, source-of-funds documents and preparation of responses to bank compliance requests.