🏦
Community Banks & Credit Unions
Card portfolio reviews, BaaS partnership diligence and AML program refreshes — calibrated to small-bank reality.
Industries
Sectors we know in detail — and the ones we politely decline.
We focus on industries where independent payments and compliance advice creates outsized leverage. We turn down work outside that circle.
📈
Lending Platforms
Origination workflow, KYC orchestration, loan servicing reconciliation and consumer disclosure compliance.
🛒
E-commerce Operators
Auth rate optimization, processor RFPs, dispute operations and cross-border tax handling for DTC brands.
🛍️
Marketplaces & Platforms
Payment facilitation vs. money-transmitter analysis, split-payouts, KYB onboarding and 1099-K reporting.
📊
SaaS & Subscription
Recurring billing reliability, dunning strategy, revenue recognition handoffs and chargeback prevention playbooks.
🚀
Fintech Startups
Sponsor bank selection, BaaS partner diligence, regulatory positioning and Series-A readiness diligence.
🩺
Healthcare Finance
HSA/FSA card programs, patient payment plans, HIPAA-aware vendor selection and remittance reconciliation.
🌱
Non-profits & Foundations
Donor payment programs, ACH origination compliance, grant disbursement workflows and treasury policy.
What we don't do
An honest list of sectors we'll refer elsewhere.
- Cryptocurrency exchanges and DeFi protocols (specialist firms do this better than we would).
- Cannabis-related merchant services (regulated by an evolving patchwork we don't track full-time).
- Adult-content payment programs.
- High-risk merchant categories outside the lanes we already operate in.
- Anything where we'd have to learn on your dime to feel competent.
Selected client outcomes from the last twelve months.
+18.4%
Card auth-rate lift
DTC e-commerce client. Reissued BIN routing rules; renegotiated processor terms.
−42%
Fraud loss reduction
Lending platform. Re-tuned KYC rules and added device-graph signal to underwriting.
$2.1M
Annual interchange savings
Marketplace. Migrated to Level 2/3 data and corrected B2B BIN routing.
0 findings
Regulator examination
Community bank. Built AML transaction-monitoring tuning library; passed clean.
11 weeks
Processor migration
SaaS subscription business. Migrated 240k active payment methods with zero failed renewals.
3.2×
Year-one ROI
Healthcare finance client. Treasury workflow redesign cut reconciliation FTE need by half.