Operational Controls Audit for Fintech Firms
A structured review of how payment, lending, or remittance operations enforce dual control, exception handling, and reconciliation from intake to settlement.
Who this engagement serves
Payment institutions, digital lenders, remittance desks, and wealth platforms that need an independent reading of whether day-to-day controls match the policies written for supervisors, investors, and correspondent banks.
Outcome you receive
A written audit opinion on control design and operating effectiveness, a prioritised findings register, and a closing briefing for your compliance lead and operations head. Findings reference concrete samples — transaction batches, approval trails, and exception tickets — not abstract maturity scores.
What is included
- Scoping workshop covering product lines, settlement paths, and outsourced processors
- Walkthroughs of customer onboarding, fund movement, and reconciliation desks
- Sample testing of dual-control approvals, maker-checker logs, and override justifications
- Review of exception queues, aged items, and management sign-off cadence
- Mapping of control gaps to your policy set and relevant Taiwan supervisory expectations
- Draft report, management response window, and final board pack summary
What is excluded
Remediation project management, software selection, and forensic investigation of suspected fraud sit outside this engagement. Separate scopes can be quoted if needed after the audit closes.
How we work
Our lead auditor and a field associate conduct interviews in Mandarin or English, observe control points where staff allow, and request evidence packs through a secure file exchange. You assign a single engagement coordinator who gathers samples and schedules desk visits.
Timeline and preparation
Most mid-size operators finish in six weeks: one week of scoping, three weeks of fieldwork, and two weeks of reporting. Before kickoff, prepare organisational charts for operations and compliance, current policy manuals, a list of third-party processors, and access to reconciliation workbooks for the agreed sample period.
Location
Fieldwork centres on your Taiwan offices, with optional visits to Miaoli-adjacent operations when back-office teams sit outside Taipei. Remote sampling supplements on-site days when processors sit overseas.
Pricing basis
Fees are quote-based. Starting reference for a single-product payment firm is NT$280,000; multi-product lenders and groups with several processors are scoped higher after the discovery call.
Next step
Request an engagement brief with your product mix and target reporting date. We reply within two business days with availability and a draft scope outline.