AML Controls Assessment
Focused examination of customer due diligence, screening, and suspicious activity escalation for remittance and wallet operators.
Open engagement detailClearwater Risk Review
Audits that read how money actually moves
We examine control design and day-to-day practice for Taiwanese fintech operators—so boards, partner banks, and supervisors receive a written risk opinion grounded in sample-tested evidence, not brochure language.
Evidence walkthroughs before findings are drafted
Flagship engagement
Fintech Risk Audit
A four-to-eight-week review for licensed and pre-licence operators who need an independent memorandum covering onboarding, monitoring, settlements, and exception handling.
- Document request list aligned to partner due diligence
- Sample testing across customer files and alert dispositions
- Prioritised remediation roadmap with named owners
Related work
Focused reviews beside the full audit
When a bank questionnaire or board calendar does not allow a full engagement, narrower assessments still deliver sample-tested findings.
Payment Rail Review
Independent look at settlement cut-offs, reconciliation breaks, and partner liability clauses for card and account-to-account products.
Open engagement detail
Board Readiness Briefing
Half-day facilitated session translating audit findings into board-level questions, residual risk statements, and decision papers.
Open engagement detailHow engagements begin
A scoping call, then a written proposal—never a surprise invoice
We confirm licence type, product rails, evidence readiness, and whether on-site days in Taiwan are required. You receive a fixed-fee proposal before any fieldwork starts. Browse the engagement guide for the typical calendar.
From recent clients
What the memorandum actually changed
Fintech Risk Audit
“They spent two full days walking our remittance exception queue before writing a word. The memorandum named the three cut-off failures that had been quietly creating reconciliation breaks—not a generic checklist of missing policies.”
AML Controls Assessment
“The AML assessment was tighter than I expected on timing, though we had to scramble for historical alert exports. The gap register gave our bank relationship manager something concrete to discuss instead of another vague assurance letter.”
Board Readiness Briefing
“Our board finally understood residual risk in settlement partner clauses after the half-day briefing. I would have liked more time on the appendix tables, but the decision paper itself was clear enough to approve the remediation budget that afternoon.”
Field Notes
Guides from recent audits for fintech desks
What partner banks actually open first in a fintech evidence pack
A practical order of documents that shortens questionnaire rounds when Taiwanese payment firms seek settlement sponsorship.
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Sampling transaction monitoring alerts without drowning in volume
How audit teams pick alert samples that reveal control quality rather than chasing every false positive in the queue.
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