Fractional CCO.
The full mandate. None of the headcount.
Board & Regulator-Facing.
Quarterly board reporting, audit committee presentations, regulator meetings, examiner walkthroughs. We are the named compliance officer of record where the role permits.
Program Ownership.
End-to-end ownership of the compliance program: policies, procedures, controls, training, risk assessment, monitoring, and testing — all kept current and regulator-ready.
Operational Oversight.
Day-to-day oversight of BSA / AML, sanctions, KYC, fraud, and consumer compliance functions — whether run by your team, our team, or a combination.
Strategic Partner.
Product launches, new markets, M&A, BaaS partnerships, charter changes — the CCO is at the table when the business is making decisions, not after.
When fractional makes sense. And when it doesn't.
Built for firms that need senior, not full-time.
- Community banks and credit unions under $5B AUM
- Fintechs and BaaS sponsors pre- or post-charter
- Crypto exchanges, VASPs, and digital asset firms scaling into licensed markets
- Firms between full-time CCOs and needing continuity
- Founders preparing for examination, audit, or fundraise
- Boards that want senior compliance presence without a full P&L hire
When you'd be better served elsewhere.
- Tier-1 banks with multi-hundred-person compliance teams
- Firms needing 60+ hours a week of CCO presence
- Engagements that require an in-house officer for a specific licence (we'll tell you)
- Situations where the existing CCO is performing well and the issue is elsewhere
Three cadences. One named partner.
| Tier | Cadence | Description | |
|---|---|---|---|
| Embedded | 3–4 days / week | Full operational CCO presence. Named compliance officer of record. Day-to-day decision-making, regulator-facing, board-reporting. The closest equivalent to a full-time hire. | Discuss → |
| Resident | 1–2 days / week | Sustained senior oversight. Program ownership, monthly board reporting, periodic regulator engagement. Suits firms with in-house compliance staff who need senior leadership above them. | Discuss → |
| Advisor | Retainer · As-needed | Strategic advisory. Quarterly board cadence, ad-hoc regulatory escalation, examination support, M&A and product launch input. Best for firms with capable CCOs who want senior backup. | Discuss → |
What fractional looks like in the field.
Fractional CCO · Embedded Cadence · DFPI & NCUA Coordination
Senior compliance leadership. Without the full-time price tag.
A 30-minute call with a partner. We'll walk through your situation and tell you — honestly — which cadence fits, or whether fractional is the wrong move entirely.