Applicable objects and regulatory landscape
GXT-HKProviding end-to-end compliance consulting for fintech companies，Covering everything from product design、Online approval to critical control points for ongoing operations。Common applicable objects include：
- Cross-border payment、Aggregated payment、Acquiring、wallet、Exchange and settlement platform
- virtual assets/Blockchain financial applications、hosting、OTC、Payment token scenario
- Digital Bank/virtual bankSurrounding ecology (account opening、KYC、Anti-fraud、transaction monitoring)
- RegTech/FinTech provider providing systems and technology services to financial institutions
We useregulatory requirements + Risk Based Approach (RBA) + auditable evidence chainas the core，Helping companies balance commercial growth with regulatory acceptability。Relevant capabilities can be linked to the following solutions：Cross-border business compliance、Payment system integration、risk assessment system。
Service scope (broken down by business stage)
Based on business model、Capital flow and data flow，Form a gap matrix and rectification roadmap (Quick Wins / Medium / Long-term）。
Sort out the boundaries of business activities、Fund reaching and matching role，Propose license combination、Timetable and Materials List，Avoid "wrong license plate/missing license plate"。
KYC/CDD/EDD、Sanctions and PEP Screening、Suspicious transaction monitoring、STR process、record keeping、Training and independent audit mechanism。
Indicator system、threshold logic、Model validation、False positive/false negative management、Rule change approval and backtesting，Create a chain of auditable evidence。
Data inventory、minimum necessary、access control、Encryption and log retention、Vendor Data Processing Agreement (DPA)，Support compliance audits。
aisle、acting、technology supplier、Due diligence framework for overseas partners、Contract terms and ongoing monitoring，Reduce collateral risks。
External publicity、Rate Disclosure、Risk warning、User Agreement and KFS Structured Review，Reduce misleading statements and complaint escalation。
Monthly Compliance Meeting、Sampling review、Event handling support、Regulatory inquiry/inspection accompaniment、Annual audit preparation and rectification review。
Methodology and deliverables (audit available)
Dismantling product features、Customer type、region、Channels and Funding Links，Establish an inherent risk profile and regulatory touchpoint list。
Checking system、process、system、log、Reports and meeting minutes，Form a matrix of "Requirements-Current Status-Gap-Responsible Person-Deadline"。
Design governance structure、three lines of defense、Key controls such as KYC/sanctions/transaction monitoring/reporting/record keeping and RACI。
Export AML manual、risk assessment、KYC standards、Suspicious transaction handling SOP、Training outline、Outsourcing and third-party due diligence templates。
Rule base and threshold settings、Sample backtest、False positive rate optimization、Model/rule change management and verification reporting。
Monthly KPI/KRI、Quality review、Internal audit cooperation、Supervision inquiry material package and rectification review。
Typical deliverables (can be organized according to regulatory inspection caliber)：
- Enterprise/product level risk assessment (including customer、region、product、channel、Delivery method and other dimensions)
- AML/CTF Policies and Procedures (KYC/CDD/EDD、Sanctions/PEP、STR、record keeping、training、independent audit)
- KYC Questionnaire and Evidence Checklist、Enterprise customer UBO identification and penetration rules
- Transaction monitoring rule base、Parameter specification、Backtesting and effectiveness evaluation report
- Third Party and Outsourcing Management System、Due diligence template、Contractual compliance clauses (including data processing and audit rights)
- Data Privacy and Cross-Border Transfer Compliance Package (Data Inventory、PIA/DPIA、Privacy Policy and Procedures) can be referred to：Data privacy policy development、Personal information protection
- Marketing Materials and Disclosure Review Opinion：Marketing material review
Cost and Budget Reference
金融科技合规没有可跨法域套用的单一费用表。应先按产品功能、client、capital flow、数据流和经营地完成业务活动映射，再判断是否涉及牌照、Register、exemption、监管沙盒或仅属于技术供应商服务。
预算通常分为：监管或政府收费（仅在具体牌照、登记或沙盒规则适用时）；main body、治理和关键人员成本；Compliance consulting、法律意见与制度文件；KYC、Sanctions Screening、Transaction monitoring、log、网络安全和数据治理系统；training、internal audit、External review、监管报告及持续整改。不能用某一种牌照的预算代替不同产品和法域的金融科技合规成本。
港信通服务费根据法域和产品数量、业务活动及牌照矩阵、现有制度和系统成熟度、数据与第三方链路、样本测试范围和交付深度评估。government fees、外部律师或审计师、系统订阅和第三方数据服务应分开列示，并以主管机构及供应商当期公布信息为准。
Further reading：美国MSB申请经验与边界、香港银行开户准备。
Evidence of Delivery for Fintech Compliance Consulting
Fintech compliance consulting should translate legal judgments into business processes、System rules、Responsible person、Testing and continuous monitoring，rather than just delivering a generic policy。
- Build product、nation、client、capital flow、Compliance matrix for data flows and licensing status。
- Put KYC、sanctions、Transaction monitoring、client funds、Complaints and supervision reports are implemented in systems and positions。
- pair model、rule、outsourcing、cloud service、Data cross-border and network security risk assessment。
- Create a list of questions、Responsibility for rectification、evidence、Closed-loop records of retesting and management approval。
Official verification：国际清算银行金融科技监管研究、金融稳定理事会金融创新资料、香港金管局金融科技监管与支持入口andFATF反洗钱建议。具体义务必须回到目标法域、业务活动和对应主管机构的现行规则。
Common high-risk scenarios and rectification suggestions
Rectify：Redo risk assessment and scorecard；Set up mandatory EDD and periodic review for high-risk customers；Improve UBO penetration and source of funds (SoF/SoW) evidence。
Rectify：Clarify the source of the list and update frequency；Hit handling SOP；Manual review and second-line approval；Keep screening logs and disposal records。
Rectify：Scenario-driven design rule base (by product/channel/country)；Regular backtesting and threshold calibration；Establish approval and verification reports for rule changes。
Rectify：Establish third-party hierarchical due diligence and continuous monitoring；Contract includes audit rights、Data usage boundaries、Subcontracting restrictions and incident reporting obligations。
Rectify：Data Inventory and the Minimum Necessary Principle；Cross-border transfer assessment and DPA；Privacy Policy and User Notice、Consent and withdrawal mechanism。
Rectify：Establish a marketing review process and footprint；Unified disclosure standards；Key terms (fees、Chargeback、freeze、Dispute handling) highlighted。
FAQ (frequently asked questions by enterprise customers)
Cover both。For 0 to 1 items，Let’s first define the regulatory path and activity boundaries.，Then export materials and systems and provide guidance on how to go online；For existing business，start with gap analysis，Prioritize rectification of transaction monitoring、High-risk links such as KYC/EDD and third-party management。
Not recommended。Supervision and banks pay more attention to “consistency with business” and “evidence chain”。We will base your product、client、region、Channel and system capability customization system，And give the landing operation and leaving traces method，Make sure it's executable、auditable。
The system is just a tool。The key lies in rule governance、threshold basis、Hit handling SOP、Review mechanism、Training and independent auditing，And linkage with business/customer service/risk control。We will complete the governance and evidence chain，And do backtesting and effectiveness evaluation。
Common blind spots include：Joint risks of partners and agents、The definition of the role of “who accesses funds/who matches” in the capital link、Differences in customer identity verification and record keeping in different jurisdictions、and data cross-border and outsourcing audit rights。
项目周期取决于法域、产品数量、现有缺口、所需制度与系统改造、证据可用性和第三方配合。应在完成差距诊断后确定里程碑、责任人和验收标准；牌照或沙盒审查时间由主管机构控制，不能用固定周数承诺。
