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Trusted by Fintechs & Financial Institutions

Fractional Services

Senior-level financial crime compliance expertise — without the overhead of a full-time hire. Pillars FinCrime Advisory provides flexible, fractional compliance leadership tailored to the needs of fintechs, payments companies, and growing financial institutions navigating regulatory demands and bank partner expectations.
Fractional Compliance Services

Compliance Leadership, On Your Terms

Our fractional services give you access to seasoned financial crime expertise exactly when and how you need it — from day-to-day program management to strategic advisory and regulatory preparation.

Fractional CCO / BSA Officer

Get experienced Chief Compliance Officer or BSA Officer leadership without the full-time cost. We step in as your compliance executive, owning program oversight, regulatory filings, and bank partner relationships.

Flexible Engagement Models

Whether you need ongoing monthly support, project-based advisory, or interim coverage during a transition, our fractional model adapts to your timeline, budget, and compliance maturity.

Regulatory & Bank Partner 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.

Program Build & Enhancement

From launching a compliance program from scratch to remediating gaps in an existing one, we bring the structure, documentation, and operational know-how to move your program forward.

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 Expertise

Access senior compliance talent at a fraction of the cost of a full-time hire. Ideal for early-stage fintechs, high-growth companies, and organizations managing compliance budgets carefully.

Senior-Level Compliance Leadership

The Expertise of a Full-Time CCO — Without the Full-Time Cost

Pillars FinCrime Advisory's fractional services give fintechs and financial institutions access to battle-tested compliance leadership exactly when they need it. Whether you're building a program from the ground up, navigating a regulatory review, or managing a complex bank partner relationship, our fractional CCO and BSA Officer services deliver the strategic oversight and hands-on execution your organization demands — at a cost structure that makes sense for where you are today.

fractional-compliance-services
What's Included

What Our Fractional Services Cover

Our fractional engagements are tailored to your organization's specific needs — from day-to-day compliance operations to strategic program leadership and regulatory preparation.

Program Ownership
Serving as your designated CCO or BSA Officer, owning compliance program management, regulatory filings, and internal escalations.
Bank Partner Liaison
Representing your organization in sponsor bank relationships, managing compliance expectations and ongoing due diligence requirements.
Policy & Procedure Development
Building and maintaining AML, BSA, KYC/KYB, and fraud policies that reflect your risk profile and meet regulatory standards.
Audit & Exam Readiness
Preparing your program for regulatory exams, internal audits, and bank partner reviews — so you're never caught off guard.

Compliance Leadership That Moves With Your Business

Our fractional model is built for organizations that need real compliance expertise — not a checkbox solution. We bring the depth of a seasoned compliance executive with the flexibility your business actually needs.

Whether you're a fintech navigating your first bank partner relationship, a payments company scaling through regulatory scrutiny, or an established institution filling a compliance leadership gap — Pillars FinCrime Advisory provides the right level of expertise at the right time. Our fractional leaders don't just advise from the sidelines. We embed into your operations, own the program, and work alongside your team to build something that actually holds up under pressure.
12+ Years
Financial Crime Expertise
Flexible Engagements
Monthly, Project, or Interim
Full Ownership
Not Just Advisory — Execution
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

What types of organizations benefit most from fractional compliance services?
Fractional services are ideal for early-stage fintechs, high-growth payments companies, and financial institutions that need experienced compliance leadership but aren't ready or able to justify a full-time executive hire. They're also a strong fit for organizations going through transitions — such as launching a new product, onboarding a sponsor bank, or remediating a compliance gap.
How is a fractional CCO different from a compliance consultant?
A fractional CCO takes actual ownership of your compliance program — not just advises on it. They serve as your designated compliance executive, managing day-to-day operations, owning regulatory filings, representing your organization with bank partners, and being accountable for program outcomes. A consultant typically delivers a report or recommendation and steps away.
How quickly can Pillars get started with a fractional engagement?
We move quickly. After an initial discovery call to understand your current program, regulatory environment, and immediate priorities, we can typically begin an engagement within a matter of days. For urgent needs — such as an upcoming bank partner review or regulatory deadline — we prioritize accordingly.
Can fractional services scale up or down as our needs change?
Absolutely. That's one of the core advantages of the fractional model. As your organization grows, faces new regulatory demands, or goes through periods of lower compliance activity, we adjust the scope and hours of engagement to match. You're never locked into a fixed structure that doesn't fit where your business is today.

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