At Fintech360, compliance isn’t just about ticking boxes – it’s about building systems that anticipate risk before it surfaces.
During a proactive, system-wide compliance review, our team spotted a hidden structural vulnerability in our client’s operations. The finding prevented what could have been a multimillion-euro setback and turned it into a defining success story.
That’s what we call resilience by design.
About the client
A rapidly expanding online brokerage with a growing European presence and multiple regional payment integrations. The company had successfully entered several new markets but faced challenges in maintaining consistent AML oversight across its expanding payment network.
Project overview
Project type: Compliance infrastructure redesign
Implementation period: Q1-Q3 2025
Region: Europe
Services provided: Compliance audit, data integration, and reporting automation
Objectives
As the client scaled its operations, the brokerage partnered with multiple Payment Service Providers (PSPs) to process local transactions efficiently. However, this growth created an invisible risk: fragmented data that hindered unified AML monitoring.
Fintech360’s goals were to:
- Identify and resolve compliance vulnerabilities.
- Consolidate transactional data from all PSPs into one ecosystem.
- Automate AML/CTF monitoring and reporting.
- Future-proof compliance for ongoing expansion.
The challenge
Operating with several PSPs across jurisdictions brought flexibility – but also complexity. Each PSP managed a separate flow of payment data, resulting in isolated records and no single view of client transactions.
This fragmentation created three critical problems:
- Limited visibility: Suspicious transfers could go undetected across different PSPs.
- Reporting gaps: Regulatory submissions required manual data compilation, risking inconsistencies.
- Heightened exposure: The brokerage faced potential multi-million-euro penalties if an audit revealed incomplete AML tracking.
Fintech360’s actions
To address these challenges, Fintech360 implemented a series of strategic solutions across technology, data management, and regulatory operations.
Step 1. Comprehensive data consolidation
Fintech360 established a centralized data pipeline that securely aggregated transaction data from all PSPs into one warehouse. This allowed for a unified, real-time view of every client transaction across regions.
Step 2. Advanced risk monitoring
Using behavioral analytics and pattern recognition tools, the system began detecting suspicious transaction sequences – including structured “layering” patterns that might otherwise go unnoticed.
Step 3. Automated AML reporting
We introduced automated, audit-ready reporting modules, enabling instant generation of AML and CTF reports that met jurisdiction-specific standards. This removed manual reconciliation and reduced human error.
Results
Within three months, the brokerage achieved complete transparency across its payment network.
- 100% visibility into multi-PSP transaction flows.
- Zero compliance breaches following the rebuild.
- 70% reduction in manual reporting time.
- Improved regulator confidence, confirmed in a follow-up compliance review.
The company not only avoided a potential seven-figure fine but also transformed compliance into a strategic advantage – strengthening client trust and enabling faster market expansion.
Key takeaways
- Proactive, not reactive: Early compliance audits prevent long-term exposure.
- Unified data = unified control: Visibility across all PSPs is essential for reliable AML monitoring.
- Automation empowers oversight: Efficient, consistent reporting builds both speed and credibility.
What’s next
Building on this success, Fintech360 continues to refine the client’s compliance infrastructure with new integrations, predictive analytics, and cross-jurisdictional reporting modules – ensuring they remain audit-ready and growth-focused in every new market they enter.
