Solutions

Regulatory Solutions Designed for Real Operational Impact

At CORISMA, we deliver regulatory solutions deeply integrated with the operational reality of your business — with clarity, focus, and measurable impact.

Our expertise spans the full spectrum of AML/BSA, sanctions, CFT/CFP/FCP, Anti-Bribery & Corruption (ABC), ethics, and data-privacy requirements for institutions operating in complex and evolving financial markets.

We transform regulatory expectations into efficient structures, compliant processes, and operationally viable solutions that strengthen governance, reduce risk, and support strategic growth.

We support our clients by "maturity" from the Seed Phase (a startup at its infancy), through the Growth Phase (after launch) and during the Maturity Phase (when the financial institution is an established company)

SOLUTIONS

Risk Assessment & Enterprise Risk Management (ERM)

We design and implement risk assessments that are both regulatory-sound and practically usable.

Our programs include:

✓ AML/BSA enterprise-wide risk assessments
‍✓ Product, service, geography, and customer-risk scoring
✓ Sanctions risk evaluation
✓ Transaction and operational risk mapping
✓ Fintech/model risk assessment
✓ VASP/Crypto specific risk frameworks
✓ Regulatory change risk management
✓ Full Enterprise Risk Management (ERM) systems

Our methodology aligns with FATF, COSO/ERM, and Wolfsberg principles.
Outputs include heat maps, risk matrices, control effectiveness scoring, and prioritized remediation

Bank Charters and Money Transmitter Licensing (MTL) Applications

We guide institutions through the full regulatory-licensing lifecycle in the U.S. and abroad.

Services include:

✓ Bank charter preparation and advisory
✓ MTL and MSB registrations (state and federal)
✓ VASP/Crypto registration/compliance
✓ Payment institution licensing
✓ Brazil (BACEN, CVM) + LATAM licensing support
✓ Submission of compliance builds, business plans, risk disclosures
✓ Regulator interviews and examination preparation
✓ Ongoing maintenance and reporting obligations

Our experience includes direct engagements with U.S. state regulators, FinCEN, FIUs, payment regulators, and correspondent banks.

Training Programs for Teams, Executives, and Boards

CORISMA delivers customized training tailored to personnel roles, business models, and regulatory expectations.

Programs include:

✓ AML/BSA training (annual or bespoke)
✓ Sanctions & OFAC training
✓ Financial crime typologies
✓ Fraud, CFT/CFP/FCP, ABC & ethics
✓ VASP/Crypto compliance
✓ Licensing & governance expectations
✓ Model-risks related to AI, automation, and payment flows
✓ Board and executive leadership briefings

Training can be in-person, virtual, hybrid, or fully customized, and aligned with internal policies and regulatory gaps identified during assessments.

Internal Controls, Policies & Procedures (P&P) — Creation, Organization, and Implementation

CORISMA develops, organizes, and implements complete regulatory frameworks tailored to your operational reality.

This includes:

✓ AML/BSA master policies
✓ CDD/KYC/KYB procedures
✓ Sanctions screening and escalation protocols
✓ Transaction monitoring rules
✓ Enhanced Due Diligence (EDD) workflows
✓ Fraud prevention and onboarding controls
✓ Anti-Corruption compliance
✓ Data privacy & data governance
✓ Record retention and reporting frameworks

We create a centralized, coherent, and auditable library that supports both regulatory expectations and day-to-day efficiency.

All documents reflect best practices from peer institutions, global standards, and actual operational constraints.

Compliance Oversight & In-House Operational Support

For financial institutions that require additional expertise or operational stability, we provide:

✓ Temporary or fractional Chief Compliance Officer (CCO) roles (Not available for Brazil)
✓ Interim AML Reporting Officer support
✓ Compliance analysts and onboarding specialists
✓ AML transaction monitoring analysts
✓ QA/QC operational teams
✓ Escalation support and case investigations
✓ Post-licensing operational build-out

This model replicates the stability of a full internal team while leveraging external senior expertise — a unique CORISMA differentiator.

Regulatory-Examination Remediation & Transaction Lookbacks

When institutions undergo regulatory examination, consent orders, or supervisory actions, CORISMA provides end-to-end remediation.

This includes:

✓ Transaction lookbacks (AML, fraud, sanctions, crypto flows)
✓ Corrective action plan (CAP) development
✓ Independent validation of remediated controls
✓ MRIA/MRBA remediation
✓ OFAC sanctions remediations
✓ Model adjustments and system tuning
✓ Documentation for regulators
✓ Board-reporting for oversight governance

We ensure institutions return to full compliance efficiently and credibly.

Independent Reviews, Assessments, and Audits

We conduct comprehensive independent reviews aligned with U.S. and global regulatory expectations, including FinCEN, Federal Reserve, OCC, FDIC, SEC, OFAC, FCA, AUSTRAC, and Brazilian BACEN/CVM frameworks.

Our assessments evaluate:

✓ AML/BSA program effectiveness
✓ Sanctions governance and screening
✓ Transaction monitoring frameworks
✓ Customer Due Diligence (CDD/KYC/KYB) procedures
✓ Suspicious Activity Reporting (SAR/STR) processes
✓ Recordkeeping and internal-control structures
✓ VASP/Crypto compliance models
✓ Payment-processor and MSB operations

We deliver a clear, risk-based roadmap with prioritized recommendations, benchmarking against US and international standards such as Wolfsberg Group, FATF, and COSO.

Corporate Governance, Ethics & Board Advisory

We strengthen governance frameworks through:

✓ Board governance frameworks
✓ Ethics & conduct programs
✓ Executive decision-making review
✓ Committee structures (Audit, Risk, Compliance)
✓ Board evaluation & performance programs
✓ Governance policies and escalation paths
✓ Culture and conduct assessments
✓ Tone-from-the-top alignment

Our approach is grounded in practical Board-level experience, ensuring solutions that work both strategically and operationally.

Subject Matter Experts for Litigation & Expert Witness Services (Not available for Brazil)

CORISMA provides high-level technical expertise for legal teams, litigations, disputes, investigations, and regulatory actions.

We support by:

✓ Drafting expert reports
✓ Serving as expert witnesses in U.S. and international matters
✓ Advising law firms on AML, sanctions, governance, and operational issues
✓ Supporting strategy for enforcement actions
✓ Conducting operational and control-gap analysis for legal proceedings

Our SME opinions are grounded in international standards and deep operational experience.

Let’s talk

Whether you need support with compliance, licensing, risk, governance, financial crime, or operational structure, our team is ready to assist.

Contact us

Brickell 21 Financial Center
1200 Brickell Avenue, Suite 310
Miami FL 33131