Lending book review
Sample testing of underwriting files, collections paths, and provision logic for consumer and SME fintech lenders.
Tech Security Flow
Audits written for the way fintech actually settles, lends, and reports.
We examine payment flows, credit books, and control rooms for operators preparing board packs, investor diligence, or FSC-facing readiness work across Taiwan.
Flagship engagement
Payment controls audit
A structured review of how your institution authorizes, settles, and reconciles payment volume — from merchant onboarding files through end-of-day breaks. Built for payment institutions, remittance houses, and digital wallet operators who need a clear findings letter, not a generic checklist.
Typical span: three to five weeks on-site and remote. Deliverable: management letter, control matrix, and a prioritized remediation map tied to your product lines.
Read the full scope
Related reviews
Other engagements we take on
Each review is scoped to a concrete book of business — lending portfolios, KYC sample testing, or pre-license readiness — rather than a one-size menu.
Regulatory readiness assessment
Gap analysis against FSC expectations for payment or electronic payment institutions preparing filings or inspections.
KYC sampling engagement
Targeted walkthroughs of onboarding files, ongoing monitoring alerts, and escalation trails for high-risk corridors.
“They caught a settlement cut-off mismatch between our wallet ledger and the bank nostro that our month-end pack had papered over for two quarters.”— Mei-Ling Chen, Head of Operations, island remittance firm
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Brief intake
You describe product lines, regulators in view, and the period under review. We reply with a scoped fee range within two business days.
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Evidence room
We request policies, sample transaction extracts, reconciling packs, and access to the people who clear exceptions.
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Fieldwork & findings
Walkthroughs, sample testing, and a draft findings call before the final management letter leaves our desk.
Field Notes
Recent writing on fintech audits
Where settlement cut-offs quietly diverge
Three places remittance ledgers and bank nostros fall out of step — and how auditors sample them.
Sampling consumer lending files without drowning
A practical way to size KYC, income, and collections samples for a mid-size book.
Preparing for an FSC walkthrough
What control owners should rehearse before inspectors sit down with your payment institution.