What happens between your brief and the signed letter

1. Brief & proposal

   You outline product lines, regulators in view, period under review, and any hard dates. We reply within two business days with a fee range, estimated weeks, and a draft evidence list. A signed engagement letter and 30% deposit lock the window.

2. Evidence room

   Policies, settlement calendars, reconciling packs, sample extracts, and org charts land in a shared reading room. We schedule walkthroughs with the people who clear breaks and alerts — not only policy authors.

3. Fieldwork

   Walkthroughs, sample testing, and break analysis. Mid-engagement we share emerging themes so surprises on the findings call are rare. Material issues are raised as soon as they are corroborated.

4. Findings & letter

   A draft findings call precedes the final management letter and remediation map. You may provide factual corrections; we do not negotiate the severity of corroborated control failures.

Evidence we usually request

• Product and corridor inventory for the review period
• Settlement and reconciliation packs for selected months
• Exception and alert queues with aging
• Onboarding and lending policy versions in force during the period
• Organization chart for operations, compliance, and finance control owners

What we leave outside the room

We do not take production system admin rights, original customer identity documents, or unverified screenshots as sole evidence. When PII is required for KYC or lending samples, we work under a written protocol in a supervised setting.