Fintech & Payment Processors

AML, BSA & Financial Crime Compliance for the Payments Industry

Friling Law advises fintech companies, payment processors, payment service providers, payment facilitators, marketplaces, and other businesses involved in domestic and international payment flows.

The regulatory analysis often depends not merely on how a company describes itself but on how funds actually move through the platform and which entity controls, receives, holds, transmits, or settles customer funds.

Our services include:

• Fintech AML compliance
• Payment processor and PSP compliance
• Payment facilitator compliance
• Merchant due diligence
• KYC and KYB procedures
• Beneficial ownership verification
• High-risk merchant programs
• Transaction monitoring
• Suspicious activity procedures
• Cross-border payment compliance
• OFAC and sanctions screening
• Banking-partner compliance
• Money transmission analysis
• Regulatory investigations and remediation

We can also conduct pre-launch regulatory reviews of new payment products and business models.

AML & Financial Crime

Anti-Money Laundering, Financial Crime Compliance, Investigations & Enforcement

Friling Law advises U.S. and international businesses, financial institutions, fintech companies, payment providers, money services businesses, digital asset companies, investors, and individuals on U.S. anti-money laundering and financial crime laws.

Our practice combines AML/BSA compliance, FinCEN regulatory matters, KYC and beneficial ownership due diligence, financial investigations, cross-border payments, banking compliance, and OFAC sanctions. We assist clients in developing preventive compliance frameworks, responding to financial institutions and regulators, investigating potentially problematic transactions, remediating compliance deficiencies, and defending against regulatory and enforcement actions.

For international clients, we place particular emphasis on matters involving cross-border financial flows, U.S. dollar transactions, correspondent banking, high-risk jurisdictions, complex ownership structures, and the intersection between AML and U.S. economic sanctions.