Three Services.One Goal: Make You Institutional-Ready.
Banking access, compliance architecture, and regulatory documentation — the three disciplines that determine whether your institution operates with confidence or caution. We provide expert advisory across all three.
3
Core advisory disciplines
87%
Pre-approval success rate
2–12 wks
Typical engagement duration
EEA + UK
Primary jurisdictions
Three disciplines.
All in practice.
Specialist advisory built for regulated financial institutions that cannot afford to treat compliance as a checkbox.
Bank Account Opening & Institutional Banking Access
Navigate the complex relationship between regulated fintechs and institutional banking partners.
Compliance & Regulatory Advisory
End-to-end advisory on regulatory posture, AML frameworks, and jurisdiction-specific obligations.
Legal Opinions & Regulatory Documentation
Structured documentation prepared to the standard regulators and banking partners actually require.
What This Solves
Being de-risked, repeatedly rejected, or told your compliance documentation is insufficient — without a clear explanation of what needs to change.
What This Solves
Uncertainty about what your actual regulatory obligations are, costly surprises during examinations, and compliance programmes that satisfy a template but not a regulator.
What This Solves
Documentation that passes internal review but fails at the banking partner or regulator stage — typically because it was not written for the reader it needs to satisfy.
What's Included
- Correspondent and EMI banking introductions
- Pre-application compliance documentation review
- Banking partner matching to your licence type
- Ongoing relationship management post-onboarding
- Escalation support for queries and RFIs
What's Included
- MiCA, PSD2, GDPR, and AML gap analysis
- Compliance programme design and build
- Regulatory change monitoring and alerts
- DORA and EMD2 readiness assessment
- Board-level compliance reporting frameworks
What's Included
- Legal opinion preparation and review
- AML/CFT policy and procedure documentation
- Regulatory submission support and filing
- DPIA and data governance documentation
- Counterparty-facing compliance packs
Who This Is For
VASPs, CASPs, EMIs, PSPs, and cross-border payment companies seeking their first or replacement institutional banking relationship.
Who This Is For
Regulated fintechs preparing for MiCA transition, PSPs subject to revised PSD2 obligations, and EMIs operating across multiple EEA jurisdictions.
Who This Is For
Institutions requiring documentation for banking applications, regulator submissions, licence variations, or counterparty due diligence requests.
Bank Account Opening & Institutional Banking Access
Navigate the complex relationship between regulated fintechs and institutional banking partners.
What This Solves
Being de-risked, repeatedly rejected, or told your compliance documentation is insufficient — without a clear explanation of what needs to change.
What's Included
- Correspondent and EMI banking introductions
- Pre-application compliance documentation review
- Banking partner matching to your licence type
- Ongoing relationship management post-onboarding
- Escalation support for queries and RFIs
Who This Is For
VASPs, CASPs, EMIs, PSPs, and cross-border payment companies seeking their first or replacement institutional banking relationship.
Compliance & Regulatory Advisory
End-to-end advisory on regulatory posture, AML frameworks, and jurisdiction-specific obligations.
What This Solves
Uncertainty about what your actual regulatory obligations are, costly surprises during examinations, and compliance programmes that satisfy a template but not a regulator.
What's Included
- MiCA, PSD2, GDPR, and AML gap analysis
- Compliance programme design and build
- Regulatory change monitoring and alerts
- DORA and EMD2 readiness assessment
- Board-level compliance reporting frameworks
Who This Is For
Regulated fintechs preparing for MiCA transition, PSPs subject to revised PSD2 obligations, and EMIs operating across multiple EEA jurisdictions.
Legal Opinions & Regulatory Documentation
Structured documentation prepared to the standard regulators and banking partners actually require.
What This Solves
Documentation that passes internal review but fails at the banking partner or regulator stage — typically because it was not written for the reader it needs to satisfy.
What's Included
- Legal opinion preparation and review
- AML/CFT policy and procedure documentation
- Regulatory submission support and filing
- DPIA and data governance documentation
- Counterparty-facing compliance packs
Who This Is For
Institutions requiring documentation for banking applications, regulator submissions, licence variations, or counterparty due diligence requests.
Service deep-dives.
The problem each service addresses, how we approach it, and what you can expect at each stage.
Problem Statement
The de-risking problem is structural, not administrative.
Institutional banks have systematically reduced exposure to fintech clients over the past decade — not because of isolated bad actors, but because compliance cost-to-revenue ratios make the relationship economically unattractive without the right framework in place. Most fintech applications are rejected at the compliance review stage, often before a relationship manager even sees them. The documentation submitted is frequently generic, misaligned to the specific bank's risk appetite, or simply not written for the audience reviewing it.
Solution Overview
Relationship architecture, not referral.
We work with pre-qualified banking partners who understand regulated fintech risk. Our introductions come with a compliance presentation layer tailored to each bank's specific requirements — so your application arrives pre-contextualised. We stay with the file through the full onboarding process, responding to RFIs, updating documentation, and managing the relationship until the account is operational.
Engagement Workflow
Initial Assessment
Week 1–2Review of your existing documentation, licence type, jurisdiction, and business model against known banking partner requirements.
Documentation Gap Analysis
Week 2–3Identification of gaps between your current compliance documentation and what institutional banking partners require.
Documentation Remediation
Week 3–6Build or update AML/CFT policies, KYB packs, and compliance summaries to the standard required for banking applications.
Banking Partner Matching
Week 4–5Identify and shortlist the most suitable banking partners based on your risk profile, licence type, and jurisdiction.
Managed Introduction
Week 5–8Formal introduction to shortlisted banking partners with a prepared compliance presentation. We manage the initial dialogue.
Onboarding Support
Week 8–12Ongoing management of RFIs, compliance queries, and documentation requests until the account is confirmed operational.
Common Questions
Which service do you need?
A straightforward decision framework based on the most common situations we encounter.
You have been rejected by a bank without a clear explanation.
Rejections are typically caused by documentation deficiencies or mismatch with the bank's risk appetite. We identify the cause and prepare a corrected application.
You are preparing for MiCA authorisation or transition.
MiCA introduces substantive new obligations for CASPs and VASPs. A gap analysis against your current posture is the correct starting point.
A regulator has issued an information request or raised concerns.
Regulatory information requests require formally structured, accurate responses. Documentation prepared to the required standard reduces escalation risk.
You have banking access but uncertainty about your compliance obligations.
Proactive compliance is substantially cheaper than reactive remediation. A gap analysis establishes your actual obligations before a review identifies them.
A banking partner or institutional counterparty has requested compliance documentation.
Counterparty compliance requests require documentation prepared for the specific reviewing audience — typically a banking compliance or AML team.
You are launching in a new EEA jurisdiction.
New jurisdiction entries require both a jurisdiction-specific compliance build and introductions to banking partners operating in that market.
Unsure which service applies to your situation? Book a complimentary initial assessment and we will advise on the correct engagement scope.
Start your engagement
Two ways to begin.
Choose the engagement that fits your current position. Both are without obligation.
Get Your Bankability Score
A structured assessment of how institutional banking partners will evaluate your compliance documentation, licence type, and risk profile. No commitment. Honest output.
- Compliance documentation review
- Banking partner compatibility analysis
- Prioritised remediation recommendations
Talk to Our Team
A direct conversation with a senior compliance advisor to discuss your regulatory situation, ask specific questions, and determine whether an engagement is appropriate for your institution.
- Confidential initial consultation
- Scope and timeline discussion
- Engagement structure options
All initial engagements are treated with strict confidentiality. finconduit does not share client information with third parties without express consent. We respond to all enquiries within one business day.