Industry Guide · Fintech & Payments
One SEC/OFAC misstep can end the company. We surface it before it does.
Fintech startups, payment platforms, lenders, and any team moving money on behalf of customers.
Overview
Fintech buyers demand SOC 2. Regulators demand OFAC and counterparty diligence. Scarlet Comply and Scarlet Intel cover both — one platform, one bill.
Top risks in this industry
- SOC 2 blockers stalling enterprise deals
- OFAC-listed counterparties in transaction flow
- PCI-DSS 4.0 requirements for card-handling flows
- State money-transmitter licensing gaps
Frameworks typically required
How Scarlet Risk helps
Counterparty screening
Vendor and counterparty risk scoring against sanctions and adverse-media signals.
SOC 2 evidence engine
The controls fintech enterprise buyers ask for, mapped and monitored.
PCI-DSS 4.0 readiness
Scope reduction, SAQ prep, and QSA-ready evidence for card-handling flows.
Composite scenarios
Series-A payments platform, enterprise deal blocked on SOC 2
Shipped Type 1 in 10 weeks. Deal closed 3 weeks later.
Fintech startup, OFAC exposure surfaced
Vendor screening flagged 2 sanctioned counterparties before onboarding. Regulatory disaster averted.
Frequently asked
SOC 2 or PCI first?
If you handle cardholder data — PCI is non-negotiable. If your buyers are enterprises — SOC 2 unblocks revenue. Most fintechs pursue both in parallel.
Does Scarlet Risk replace a specialized AML vendor?
For SMB-scale operations, it covers the governance and diligence layer. For high-volume transaction monitoring you'll want a specialized vendor alongside Scarlet Risk.
Ready to shortcut this?
Book a live demo tuned to fintech & payments or run the ROI numbers.