Six foundational compliance documents — customized to your business model, jurisdictions, and risk profile — drafted by a former Chief Compliance Officer. Not a generic template. Not a law firm invoice.
Every document is customized against a structured intake covering your products, customer types, transaction flows, jurisdictions, and third-party vendors. Delivered in editable Word format with a revision log and reviewer-ready formatting.
Product, geography, customer, and channel risk scored against a defensible methodology. The document examiners ask for first.
The master compliance program document. Governance, roles, escalation, SAR workflow, training, independent testing. The anchor of your entire suite.
Customer identification, beneficial ownership, sanctions and PEP screening, EDD triggers. Tailored for retail, institutional, or mixed models.
Typology-based rules, thresholds, alert disposition, and escalation. Built to map against the monitoring stack you actually use.
Third-party due diligence, tiering, ongoing monitoring, termination. What bank partners and examiners check after the BSA program.
Account takeover, first-party fraud, synthetic identity, and a recordkeeping policy that maps to §1010.410 and state retention rules.
The right tier depends on whether you're preparing for an internal milestone, a bank partner onboarding, or a regulator-facing deadline. There's no upsell pressure — the Template tier is a real product, not a trap.
40 structured questions covering products, customers, jurisdictions, transaction flows, and your existing compliance stack.
Policies drafted against your intake, not pulled from a template library. Every document reflects your actual business.
Final quality pass and assembly. Delivery as a versioned, editable Word package with revision log and change summary.
Optional quarterly updates as FinCEN, OFAC, and state regulations change. Your program stays current without you tracking it.
No, and it's not trying to be. Complyable gives you a defensible, examiner-ready policy foundation at a fraction of the cost of a law firm engagement. For sign-off on novel products, enforcement response, or litigation, you still need outside counsel. The Reviewed Suite includes a cover memo describing the scope of senior review, not a legal opinion or formal attestation.
The core suite supports money transmitters, crypto exchanges and custodians, BaaS-stacked fintechs, neobanks, payments companies, and sports betting / iGaming operators. If your model sits outside those, the scoping call determines fit before you buy.
Meaningfully. The 40-question intake drives product-specific, jurisdiction-aware drafting — KYC flows for a retail crypto exchange look very different from those for an institutional prime broker, and the output reflects that. You'll still want internal review before adoption, but the policies shouldn't read as generic.
The Template Pack and Guided Suite include 12 months of template updates. A quarterly maintenance subscription is available separately for ongoing monitoring of FinCEN, OFAC, state MTL, and major bank partner expectations.
Yes. Mutual NDAs are signed before any intake for the Guided Suite and Reviewed + Attested tiers. All engagements are handled under D Spack Consulting LLC.
Three tiers, clear scope, practitioner-built. Pick the one that matches your deadline.