Advisory
Programs built by someone who has carried the accountability.
Most compliance consulting is written by people who have never signed the program. QAML advisory comes from a serving public-company BSA/AML Compliance Officer who has built these functions from zero at startups and run them at half-a-trillion-dollar scale.
AML/BSA program buildout
From zero to examination-ready: enterprise risk assessment, the five-pillar program, policy suite, monitoring and screening architecture, and regulator-facing documentation. Built the way it was done at a venture-backed fintech moving billions — and hardened the way a public company requires.
Right For
Fintechs approaching money transmission, sponsor-bank partnerships, or their first regulatory registration.
Fractional compliance leadership
Senior AML/risk leadership on a fractional basis — program ownership, board and committee reporting, exam preparation, and team development — without the full-time executive cost before the stage justifies it.
Right For
Seed-to-Series-C companies that need accountable compliance leadership, not just a policy PDF.
Payments & fraud risk architecture
Design of the integrated risk stack: credit underwriting, B2B payment fraud controls, chargeback operations, and vendor selection across identity, device, and decisioning platforms — informed by having personally integrated a dozen such vendors into one decision fabric.
Right For
Payments companies and card programs where fraud loss, credit loss, and compliance share one P&L.
AI-in-AML enablement
Strategy and governance for bringing machine learning into a regulated compliance program: use-case selection, vendor evaluation, model risk management alignment, and the explainability discipline examiners will demand.
Right For
Institutions modernizing legacy monitoring — or fintechs building AI-native from the start.
Board & executive training
The training pillar, delivered at altitude: what directors and executives must actually understand about ML/TF risk, program accountability, and the questions to ask management — in language built for the boardroom, not the back office.
Right For
Boards of banks, credit unions, and fintechs meeting their oversight obligations with substance.
The Experience Behind the Advice
Public-company scale
Serving BSA/AML Compliance Officer accountable for US ML/TF compliance across approximately $450 billion in annual payroll, expense, and vendor payments.
Startup velocity
Built risk and compliance from the ground up at a Silicon Valley spend-management unicorn — AML program, credit underwriting, and fraud controls that saved customers $2M+ in attempted vendor fraud.
Banking depth
A $250 million cards P&L, a TD portfolio acquisition negotiated end to end, payment platform implementations, and credit policy that carried portfolios through recessions — across 27 years in banking.
Start a Conversation
Every engagement starts with a conversation, not a proposal.
Describe where your program stands and where it needs to be. If QAML is the right fit, you'll get a scoped engagement; if it isn't, you'll get a straight answer and a pointer to who can help.