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Trusted by Fintechs & Financial Institutions

Fractional CCO / BSA Officer

Get the compliance leadership your organization needs without the full-time overhead. Joshua Douglas steps in as your designated Chief Compliance Officer or BSA Officer, owning your program, managing regulatory relationships, and keeping your institution ahead of risk while you focus on growing the business.
Fractional Compliance Services

What a Fractional CCO / BSA Officer Actually Does For You

This isn't a consulting engagement where someone hands you a report and disappears. When Pillars steps in as your fractional CCO or BSA Officer, we take real ownership of your compliance program and everything that comes with it.

Program Ownership

We serve as your designated compliance executive, taking full ownership of your AML and BSA program. That means managing day-to-day operations, overseeing regulatory filings, and making sure nothing falls through the cracks.

Sponsor Bank Representation

We represent your organization directly with your sponsor bank, managing compliance expectations, responding to due diligence requests, and making sure that relationship stays strong and well-documented.

Regulatory Exam Readiness

We make sure you're never caught off guard. Before a regulatory exam or sponsor bank review ever lands on your calendar, we've already stress-tested your policies, tightened your controls, and made sure everything is exactly where it needs to be.

Policy & Procedure Management

From AML policies to BSA procedures and KYC/KYB frameworks, we build and maintain documentation that reflects your actual risk profile and holds up under regulatory and bank partner review.

Embedded Team Support

We become part of your team. Our fractional leaders work right alongside your people, providing day-to-day mentorship, handling escalations, and taking real ownership of program management from the inside out.

Cost-Effective Leadership

You get the depth and accountability of a senior compliance executive at a fraction of the cost of a full-time hire. It's the right level of expertise for where your organization is right now.

Designated Compliance Executive

A Real CCO. A Real BSA Officer. Without the Full-Time Price Tag.

Most fintechs and growing financial institutions need experienced compliance leadership long before they can justify a full-time executive hire. That's exactly the gap Pillars fills. Joshua Douglas steps in as your designated CCO or BSA Officer, taking real ownership of your program, your regulatory relationships, and your bank partner obligations. You get senior-level accountability and execution at a cost structure that actually makes sense for where your organization is today.

fractional-compliance-services
What's Included

Everything That Comes With Having a Real CCO on Your Team

When Pillars serves as your fractional CCO or BSA Officer, you're not getting a part-time advisor. You're getting a compliance executive who is fully invested in your program and accountable for its outcomes.

Full Program Ownership
We own your compliance program end to end. That means managing day-to-day operations, overseeing regulatory filings, and making sure nothing gets missed.
Sponsor Bank Representation
We show up for your sponsor bank so you don't have to figure it out alone. We manage the relationship, handle due diligence requests, and keep expectations aligned on both sides.
Policy & Procedure Development
We build and maintain AML, BSA, KYC/KYB, and fraud policies that actually reflect how your business operates and hold up when regulators come knocking.
Audit & Exam Readiness
We keep your program exam-ready at all times. No scrambling before a review, no surprises during one. Just a well-documented, well-run program that speaks for itself.

The CCO Your Organization Needs Right Now

Most organizations know they need strong compliance leadership. The challenge is finding the right person at the right cost at the right time. That's exactly what Pillars solves.

Whether you're a fintech onboarding your first sponsor bank, a payments company facing increased regulatory scrutiny, or a financial institution that needs to fill a compliance leadership gap quickly, Pillars FinCrime Advisory steps in and gets to work. Joshua Douglas brings more than 12 years of financial crime expertise to every engagement. He doesn't just review your program and send you a slide deck. He owns it. He sits alongside your team, makes real decisions, and builds something your organization can stand behind when it matters most.
12+ Years
Financial Crime Expertise
Flexible Engagements
Monthly, Project or Interim
Full Ownership
Real Execution Not Just Advice
Client Impact

Built for the Challenges Fintechs Actually Face

From first-time compliance builds to regulatory remediation and bank partner readiness — see how Pillars FinCrime Advisory helps organizations move forward with confidence, clarity, and programs that hold up under scrutiny.

Pillars helped us navigate a complex regulatory review with confidence. Their hands-on approach and deep understanding of fintech compliance made all the difference. Our program is now scalable and audit-ready.

JD

James Donovan

Chief Compliance Officer

The fractional CCO service provided exactly what we needed—senior-level expertise without the overhead. Joshua and his team integrated seamlessly with our operations and gave us the strategic guidance to grow safely.

SW

Sarah Wagner

Head of Risk

From transaction monitoring optimization to KYC redesign, Pillars delivered measurable improvements. Alert quality is up, operational friction is down, and we're better prepared for regulatory exams.

MT

Michael Thompson

VP, Compliance Operations

Pillars helped us navigate a complex regulatory review with confidence. Their hands-on approach and deep understanding of fintech compliance made all the difference. Our program is now scalable and audit-ready.

JD

James Donovan

Chief Compliance Officer

The fractional CCO service provided exactly what we needed—senior-level expertise without the overhead. Joshua and his team integrated seamlessly with our operations and gave us the strategic guidance to grow safely.

SW

Sarah Wagner

Head of Risk

From transaction monitoring optimization to KYC redesign, Pillars delivered measurable improvements. Alert quality is up, operational friction is down, and we're better prepared for regulatory exams.

MT

Michael Thompson

VP, Compliance Operations

Frequently Asked Questions

Who should consider hiring a Fractional CCO or BSA Officer?
If your organization needs experienced compliance leadership but isn't ready to bring on a full-time executive, a fractional CCO or BSA Officer is the right move. It's especially common for early-stage fintechs, companies onboarding a sponsor bank for the first time, and institutions that have recently lost a compliance leader and need qualified coverage quickly.
What's the difference between a Fractional CCO and a BSA Officer?
A Chief Compliance Officer oversees your entire compliance program at a strategic level, managing risk, regulatory relationships, and organizational accountability. A BSA Officer has a more specific mandate focused on Bank Secrecy Act compliance, including suspicious activity reporting, transaction monitoring, and FinCEN obligations. Depending on your needs, Pillars can serve in either or both capacities.
How does Joshua Douglas stay current with regulatory changes?
Staying current isn't optional in this space, it's the job. Joshua actively monitors FinCEN guidance, regulatory updates, and industry developments across the fintech and payments landscape. Every engagement benefits from that ongoing awareness, so your program is always aligned with where the regulatory environment is headed, not just where it's been.
Can a Fractional CCO represent us directly with regulators or examiners?
Yes. One of the core responsibilities of a fractional CCO is to serve as your designated compliance executive, which includes representing your organization in regulatory examinations, responding to examiner inquiries, and engaging directly with your sponsor bank on compliance matters. You have a real executive in that seat, not just a consultant in the background.

Who We Work With

Pillars FinCrime Advisory partners with a range of organizations across the financial services ecosystem — from early-stage startups to established institutions managing complex compliance demands.

Houston, Texas

Headquarters

United States

Remote & On-Site Engagements

Founded 2025

By Joshua Douglas

Fintechs

Payments Companies

Sponsor Banks

Financial Institutions

Why Pillars
The Pillars Difference
Operator-Led Expertise
Founded by a compliance executive with 12+ years in financial crime, our advice comes from real program ownership. Not theory. Not guesswork.
Practical & Scalable
We take a data-driven approach that grows with your business. The goal is always the same: strong regulatory confidence without slowing you down.
True Partnership
We don't just hand over a report and walk away. We embed into your team, take ownership of outcomes, and stay accountable to the work we do together.
Ready to Strengthen Your Financial Crime Program?
Let's discuss your compliance needs today
Reach out to Joshua Douglas and the Pillars team at 281-825-1603 or pillarsfincrimeadvisory@gmail.com . Whether you're launching a new product, preparing for regulatory review, or scaling your compliance program—we're here to help.
Headquarters: Houston, Texas (Serving clients nationwide)
Contact Us Today