Fintech & Nonbanks.
Guardial is the fintech compliance program for companies that have grown past spreadsheets but can’t yet justify an enterprise GRC suite. Setup is self-serve, and our team is there to get you to the finish line. So you get sponsor-bank-ready reporting early, and you’re exam-ready before your next review.
- Weeks
- FROM KICKOFF TO YOUR FIRST AGENT LIVE
- Exam-ready
- ISSUES HOME, RCSA, AND COMPLAINT TRACKING BEFORE YOUR NEXT EXAM
- Right-sized
- ENTERPRISE-GRADE PROGRAM WITHOUT ENTERPRISE PRICING
The regulators
on your shoulder.
Every Guardial workflow, control library, and report template is pre-loaded for the agencies and rules fintechs and nonbanks actually face. No “what’s UDAAP” tutorial included.
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CFPB
UDAAP · COMPLAINTS · BILLING ACCURACY · CONSUMER-PRODUCT OVERSIGHT
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State Banking
MONEY-TRANSMITTER LICENSES · 49 STATES · RENEWALS
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Sponsor Banks
QUARTERLY REPORTING · AUDIT RIGHTS · OVERSIGHT MEMOS
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FinCEN
BSA / AML · OFAC · MONITORING
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FTC
PRIVACY · DATA PRACTICES · CONSUMER PROTECTION
The work that
actually keeps you up.
Five problems specific to fintechs and nonbanks, drawn from interviews with our customers and design partners. Each one maps to a Guardial workflow.
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Examiner-ready in ninety days.
Your sponsor bank just told you the OCC is asking about your compliance program. You have a Notion doc and a Google Sheet. So Guardial gets you to a working Issues Home, RCSA, and complaint tracking in under three months.
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Vendor sprawl.
Plaid, Stripe, Twilio, Persona, Sardine, Alloy, Anthropic, Snowflake. Guardial inventories what you actually have and scores it against expert-built DDQs. Then the Vendor Renewal agent flags contracts renewing within 90 days.
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Policy reviews that never end.
Your policies live in a shared drive and nobody remembers what changed since the last exam. The Policy Review agent drafts the first pass and tracks approvals, so review cycles stop living in email.
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Complaint clusters
before they hit the press.Complaint Triage classifies and routes incoming consumer complaints in seconds. Patterns surface before they become a CFPB Consumer Complaint Database story.
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Proving you cover what they expect.
It’s one thing to have a program, another to know it lines up with what the CFPB and your sponsor bank expect. Guardial’s regulatory playbooks give you a coverage score, a list of gaps, and a PDF report. As a result, you walk into a review knowing exactly where you stand.
Three modules, first.
We don't sell all five modules to fintech & nonbanks on day one. These three matter most. Add the rest as you grow.
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Compliance Management
Complaint management, regulatory playbooks, state license and exam management, and regulatory updates: every regulator workflow under one parent.
Explore module -
Third-Party Risk
ManagementVendor lifecycle, expert-built DDQs, contract management, and ongoing monitoring for financial services.
Explore module -
Enterprise Risk
ManagementRisk assessments, RCSAs, the risk register, KRIs, controls, and issue management: one workspace for the operational risk program.
Explore module
The agents that
earn their keep.
These are the Guardial agents fintechs and nonbanks use every day. Drafts only, so your team approves before anything leaves the system.
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Complaint Triage
Classifies incoming consumer complaints by product, regulator, and urgency. Routes to the right queue with an SLA suggestion.
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Vendor Renewal Agent
Flags vendor contracts renewing within 90 days and drafts a renewal review, so nothing auto-renews on you.
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Policy Review
Drafts the first pass on policy updates and tracks approvals, so review cycles stop living in email.
Self-serve to start. Guided to the finish.
What the first few months look like for a typical fintech or nonbank customer. You can set most of it up yourself, and our team is there to get you to examiner-ready.
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Wk 1–2
Kickoff & data wiring.
You connect your data sources, complaint inbox, and vendor list. We are on hand to help wire up anything tricky.
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Wk 3–6
First module live.
Compliance goes live: complaints, policy review, and regulatory playbooks, with the first agent drafts available. Your team reviews and approves each one before it takes effect.
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Wk 7–9
Second + third module.
Third-Party Risk and Enterprise Risk go live. The Vendor Renewal agent begins flagging renewals, and the RCSA workspace opens with FS-tailored templates.
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Wk 10–12
First examiner-ready
report.Full Issues Home active; first sponsor-bank-ready package generated. Most customers are running quarterly reports by the end of the quarter.
If this looks like
you, we should talk.
We’ve spent more time with fintechs and nonbanks than any other ICP. Your stack is in our muscle memory, and your regulators come pre-loaded in our control library.
Our sponsor bank asked about our compliance program in March. By June we had an Issues Home, a real complaint queue, and a vendor inventory, and the Vendor Renewal agent had already flagged two contracts before they auto-renewed.
Stand up your program in the time it takes to read this page.
Sign up, answer a short company profile, and the agents will have your first risk register built before your next meeting. Or book a 30-minute conversation with our team if you'd rather walk through it together.
Self-serve in 15 minutes · human review at every step