Payment Operations Review
Hands-on examination of settlement cycles, reconciliation breaks, merchant onboarding checks, and exception handling inside payment institutions and acquiring desks.
Engagement detailChiayi · Taiwan
Working-paper audits for payment firms, wallets, and lenders
Slate Finch Advisory examines the controls fintech boards actually rely on — customer files, settlement breaks, safeguarding claims — and returns findings supervisors can follow.
The audit most teams postpone until a letter arrives
When a payment institution or e-money issuer prepares for supervisory questions, the gap is rarely a missing slogan. It is whether onboarding overrides, reconciliation ageing, and client-money narratives survive sample testing.
Flagship engagement
Regulatory Compliance Audit
Four to six weeks of scoped testing across policies, customer files, complaint registers, and disclosure packs — closing with a ranked findings memorandum and a remediation sequence your board can approve.
Read the full engagement scope- Licensed and pre-licensed fintech teams
- Sample testing with documented method
- Draft workshop before the final letter
- Optional on-site days from our Chiayi base
Related examinations
Adjacent reviews that sit beside a full compliance audit when settlement noise or capital narratives need their own lens.
Safeguarding & Capital Assessment
Independent assessment of client-money segregation narratives, float reconciliations, and capital adequacy stories presented to directors and supervisors.
Engagement detail
Pre-Licensing Readiness Review
Gap analysis for fintech teams assembling licence applications, focusing on policy completeness, governance minutes, and evidence supervisors commonly request.
Engagement detail
How an engagement moves
Scope confirmation, evidence intake, independent sampling, calibration with management, then a final memorandum. No product demos — just the sequence auditors and compliance leads already recognise.
See the engagement pathFrom recent client letters
Specific controls, mild friction, and outcomes tied to the audits we actually deliver.
Their compliance audit named the exact onboarding override that kept failing our internal checks. The draft workshop felt long, though—we had underestimated how many files they would reopen.
The payment operations review traced our aged nostro breaks to a merchant vertical we had waved through too quickly. Finance finally had a sequence that matched how settlement actually closes.
For pre-licensing, they refused to polish policies we were not using. The readiness scorecard was blunt, which is what our counsel needed before filing.
Field notes
Practical writing on sampling, safeguarding packs, and licence workshops.
Sampling customer files without theatre
How we size AML file samples for payment firms so findings stay defensible when a supervisor asks how the sample was chosen.
What boards miss in safeguarding packs
Three recurring gaps we see when e-money boards review client-money narratives before they reach a supervisor’s desk.
Preparing for a licence gap workshop
A practical checklist for founders who want a pre-licensing readiness session to produce usable outputs, not another slide deck.