What problems can compliance audit services solve?
Compliance auditIt’s not about “writing a system”，Rather, it is guided by regulatory expectations and auditable evidence.，for businesssystem、process、personnel、system、Sample transactions and record retentionTake a look through，Answer three core questions：
- Is it compliant?：and applicable laws and regulations、Regulatory guidance、Are industry practices and cooperative bank/platform requirements consistent?。
- Is it valid?：Whether the control measures can identify and reduce risks (including false positives/negatives) in real business、execution deviation)。
- Is it provable?：Whether there is a complete chain of evidence (leaving traces)、Approval、log、sampling、Training and rectification closed loop)。
Hong Kong Xintong provides B2B customers withPre-audit/annual audit/special audit/rectification review，support：License application and renewal、Regulatory inspection preparation、Bank account opening and ongoing due diligence、Investment and Financing Due Diligence、and compliance checks before major product launches。
Audit scope (can be customized according to industry/license)
Board and executive responsibilities、Compliance officer authority、independence、Regular meetings and reporting mechanism、KPIs and Accountability。
Customer stratification、Beneficial owner identification、KYC trigger rules、Data validity period、Review cycle and upgrade path。
List source and update frequency、matching logic、Manual review process、False hit processing and audit traces。
scene coverage、threshold governance、Alarm handling SLA、SAR/STR judgment criteria、Conclusion consistency and review。
Customer profile、transaction history、Decision-making and approval、System log、Training sign-in、Sampling manuscripts and rectification evidence。
Data inventory and classification、Authorization and least privilege、Supplier visits、Cross-border transmission assessment and security measures。
Business essence and capital path、CRS/FATCA information consistency、Related tax and reporting risk tips。
Channel/Agent/Technology Supplier Due Diligence、Contract terms、SLA、Re-outsourcing restrictions、Continuous monitoring and exit mechanism。
If the client is involved in cross-border tax or information exchange requirements，Can link with special teams to carry out supporting assessment and unified materials caliber：
Methodology and evidence standards (for supervision and bank due diligence)
Hong Kong Xintong adopts "Regulations/Guidelines Benchmarking + Control effectiveness testing + Sample inspection + System verification"Method，Ensure conclusions are reviewable、Rectification can be implemented。
- Benchmark matrix：Regulations will apply、Regulatory Circulars/Guidelines、License conditions、Partner bank/card organization requirements mapped to control points and evidence list。
- Control design review：Do systems and processes cover risks?、Is the separation of duties clear?、Is there a blank control。
- Control running tests：Extract customer/transaction samples，Verify KYC、risk rating、Alarm handling、Are upgrades and approval traces truly implemented?。
- System verification：Check permissions、log、List update、Model parameters、Alarm queue、Work order closed loop and report consistency。
- penetration interview：to business、operations、Compliance、Risk control、Technology for conducting interviews，Identifying “paper compliance” and execution deviations。
List of deliverables (can be used directly for inspection/account opening/due diligence)
scope、method、sample、Discover、risk rating、Remediation priorities and management summary。
According to 0-30 days/30-90 days/90 days + phased delivery，Make it clear who is responsible、Dependencies and Milestones。
System/flow chart/form、System screenshots and logs、sample manuscript、Training and assessment records、meeting minutes。
scene list、Threshold adjustment logic、False positive governance、Review Sampling and Model Change Management。
Conduct sub-sampling and evidence verification on rectification items，Issue review conclusions and residual risk reminders。
Unified questionnaire caliber、Material catalog、Key Control Description and Verifiable Attachment Index。
If you need to systematically improve your risk control and KYC capabilities，Can be connected to Hong Kong ICT tools and system solutions：
Project process and cycle (from pre-review to rectification closed loop)
Clarify the business model、Applicable regulatory/licensing/banking requirements、Audit boundaries and sample size；Develop information list and timetable。
review system、process、form、Reporting and Outsourcing Contracts；Interview Compliance/Operations/Business/Technology，Identify critical control points。
to customer files、risk rating、Alarm handling、Judgment of suspicious transactions、List screening records, etc. for sampling；Verify system logs and permissions。
Output the gap list according to risk level and rectification priority；Provide executable system/process/system/training improvement suggestions。
Deliver audit report、Roadmap and Evidence Package Directory；Interpret key risks and align management with action plans。
Assist in implementation and rectification、Update documents and traces；Review key rectification items and form closed-loop evidence，Support regulatory/bank review。
Cost reference (taking Hong Kong MSO compliance pre-audit/audit as an example)
Compliance audit fees typically consist ofbusiness complexity、sample size、System maturity、Do you need a bilingual report in Chinese and English?、And whether it includes rectification counseling/reviewDecide。The following are common "Hong Kong MSO (Money Service Operator)" related projectsReference cost matrix(currency：HKD）。The actual quotation shall be subject to the Statement of Scope (SoW)。
<table>
<thead>
<tr>
<th>Cost module (HK MSO Reference Matrix)</th>
<th>Contains content</th>
<th>Reference fee (HKD)</th>
<th>Remark</th>
</tr>
</thead>
<tbody>
<tr>
<td>Gov：Application fee</td>
<td>Government license application fee</td>
<td>3,310</td>
<td>pay per view</td>
</tr>
<tr>
<td>Gov：Fit & Proper</td>
<td>Suitable candidate review fee</td>
<td>860 / people</td>
<td>By number of key personnel</td>
</tr>
<tr>
<td>Base：Company registration and maintenance</td>
<td>Company Registration/Secretary/Basic Maintenance (Interval)</td>
<td>8,000–15,000</td>
<td>Different structure and service scope</td>
</tr>
<tr>
<td>Base：office</td>
<td>Office address and operating costs (years)</td>
<td>20,000–80,000 / Year</td>
<td>Depends on location and size</td>
</tr>
<tr>
<td>Agency：MSO services</td>
<td>Apply for counseling、Material integration、Benchmarking and communication (interval)</td>
<td>60,000–150,000</td>
<td>The higher the complexity, the closer it is to the upper limit</td>
</tr>
<tr>
<td>Agency：AML file system</td>
<td>AML/CTF Policy、KYC process、risk assessment、Training and Recording Templates (Interval)</td>
<td>20,000–80,000</td>
<td>Can be packaged with audit/pre-qualification</td>
</tr>
<tr>
<td><strong>Total：standard interval</strong></td>
<td><strong>Common overall investment (reference)</strong></td>
<td><strong>150,000–400,000</strong></td>
<td>For the common range of the market；Does not include additional costs for special circumstances</td>
</tr>
</tbody>
</table>
Frequently Asked Questions (FAQ)
Auditing is based on “independent verification and evidence”：Not only depends on whether the system exists，More verification whether it is actually executed、Whether to leave traces、Can the risk be reduced?；Consulting/system writing is more focused on program design and implementation guidance.。Hong Kong Xintong can be combined on demand：Audit positioning issues first，Provide rectification and re-examination。
Can。Audits evaluate existing processes and evidence，And clarify the minimum feasible solution of "manual control + trace template"；At the same time, a systematic improvement route is provided (such as transaction monitoring、KYC and risk rating tool docking)。
Sample selection follows the minimum necessary principle，Support desensitization/coding and read-only access；Use on-site verification or controlled screen sharing for sensitive fields。If necessary, you can sign an NDA and agree on a data retention and destruction mechanism.。
Can。We will prepare a material index and evidence package based on common questionnaires from banks/partners，Facilitate the other party to quickly verify key controls。For relevant account opening capabilities, please refer to：https://www.gxt-hk.com/hong-kong-banking-virtual-bank-license/
support。Customers can be classified、Beneficial owner information、Account and transaction information collection standards，Verify consistency with CRS/FATCA and cross-border tax compliance requirements，and assist in improving the evidence chain。
If you are involved in multi-jurisdictional licenses or plan to go overseas，Reference cases and experience content：2026The US MSB license just applied for，Experience sharing
