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Protect Financial Data. Pass Bank Audits. Scale Partnerships.
SOC 2 and PCI DSS certification in 90 days. Meet regulatory requirements, win bank partnerships, and protect your customers' money.
Why FinTech Companies Need Compliance Now
Banks won't partner with you without SOC 2. Payment processors require PCI DSS. State regulators are mandating security audits. Your customers trust you with their money—regulators want proof you deserve that trust.
One breach can end a FinTech company. Customer trust is everything. Regulators are watching. Competitors are getting certified.
SOC 2 + PCI DSS in 90 Days
We get FinTech companies dual-certified—SOC 2 for bank partnerships and PCI DSS for payment processing. Full-service implementation including encryption, access controls, monitoring, and incident response.
Pass your next bank audit. Launch your next integration. Scale your partnerships.
Why Attackers Target Financial Technology
You're handling money. That makes you a high-value target for sophisticated attackers.
Account Takeover (ATO)
Attackers steal credentials through phishing, credential stuffing, or SIM swapping, then drain accounts. ATO is the #1 fraud type in FinTech.
API Exploitation
Your product is API-first. Attackers probe for broken authentication, injection vulnerabilities, and excessive data exposure to steal funds or data.
Synthetic Identity Fraud
Criminals create fake identities using real and fabricated data to open accounts, build credit, and disappear with funds. AI makes this easier than ever.
Business Email Compromise
Attackers impersonate executives or partners to redirect wire transfers. Financial services firms lose an average of $125K per BEC attack.
Ransomware & Extortion
Attackers encrypt systems and threaten to leak financial data unless paid. FinTech companies are high-value targets because they'll pay to protect customer trust.
Third-Party Vendor Breaches
Your banking partners, payment processors, and cloud providers handle sensitive data. Their breach becomes your breach. You're responsible for vendor security.
When FinTech Companies Get It Wrong
These aren't hypotheticals. Real FinTech companies. Real consequences.
Bank Partnership Terminated
Neobank failed bank's annual security audit due to inadequate access controls and missing audit logs. Partner bank terminated relationship, forcing migration of 50K customers.
Impact: Lost banking partner, 6-month service disruption
PCI DSS Failure
QSA audit revealed cardholder data stored in plaintext logs. Visa and Mastercard suspended processing privileges until remediation complete.
Impact: 90-day processing suspension, $2M revenue loss
AWS Misconfiguration Breach
S3 bucket with customer data left public. Attackers downloaded 2.3M records. Company learned about breach from Have I Been Pwned.
Impact: $1.5M fine + consent order
Hot Wallet Compromise
Attackers exploited API vulnerability to drain hot wallet. Insufficient monitoring delayed detection by 18 hours.
Impact: $8M stolen, class action lawsuit
Acquisition Due Diligence Failure
Acquirer's security audit found no SOC 2, weak encryption, and undocumented third-party access. Deal restructured with $15M escrow holdback.
Impact: 25% valuation reduction, 6-month delay
Insider Fraud
Employee with excessive access privileges diverted $3M in customer funds over 18 months. Discovered during external audit, not internal controls.
Impact: $3M fraud loss, customer notification, SEC inquiry
The FinTech Compliance Landscape
Financial services is the most heavily regulated industry. Here's what you're facing.
SOC 2
Required by bank partners, enterprise customers, and institutional investors
PCI DSS
Required for any company storing, processing, or transmitting cardholder data
NYDFS 23 NYCRR 500
Cybersecurity requirements for financial services in New York
GLBA
Gramm-Leach-Bliley Act safeguards for consumer financial information
SOC 2
Security requirements vary by state for money transmission licenses
Bank Partner Requirements
Each banking partner has unique security and audit requirements
Challenges Generic Consultants Don't Understand
Financial services has unique regulatory, operational, and technical requirements.
Multi-Layered Compliance
- • SOC 2 for enterprise customers and investors
- • PCI DSS for payment processing
- • State-specific regulations (NYDFS, California, Texas)
- • Bank partner security requirements
- • GLBA Safeguards Rule obligations
- • International requirements (PSD2, FCA) for expansion
Bank Partnership Requirements
- • Annual security questionnaires from each partner
- • On-site audits with 30-day notice
- • Real-time transaction monitoring requirements
- • Incident notification within hours, not days
- • Business continuity testing with documentation
- • Vendor management programs for your vendors faster than fixes
Technical Complexity
- • Real-time transaction processing at scaleation requirements
- • Multi-cloud architecture with strict data residency
- • API security for banking integrations
- • Encryption key management complexity
- • PCI scoping across containerized environments
- • Fraud detection systems generating alerts at scale
Speed vs. Security Tension
- • Instant account opening vs. KYC requirements
- • Frictionless UX vs. strong authenticationby default
- • Rapid deployment vs. change management
- • Competitive features vs. security review
- • Engineering velocity vs. compliance controls
- • Growth targets vs. fraud prevention
Your Compliance Journey
Start with an assessment to scope accurately, get certified in 90 days, then maintain with ongoing services.
Start with a Gap Analysis
Understand exactly what you need for SOC 2, PCI DSS, and bank partner requirements. We credit the assessment fee toward certification if you proceed within 90 days.
Learn About Assessments →Ready to Get Audit-Ready?
Book a free 30-minute consultation. We'll assess where you are and map your fastest path to certified.