Lending Portfolio Review
Assessment of underwriting files, collections hand-offs, and provisioning notes for consumer and SME digital lenders.
Open engagement detailsAudits for fintech · Taiwan
Anchor & Ledger ComplianceLedgers examined before the questions arrive.
We review settlement controls, loan files, and wallet alert handling for payments and lending teams who need findings they can act on—not a slide deck of abstractions.
Sample testing begins with the paper trail operations already keep.
Flagship engagement
Payments Control Audit
Our primary offer for acquiring and store-value operators: a 4–6 week review of settlement controls, merchant onboarding packs, and exception queues, delivered as a findings memorandum with severity ratings and remediation owners.
Work is grounded in Taiwan’s payments environment—walkthroughs in Tainan or Taipei, document review between settlement cut-offs, and language that compliance officers can take to a board or banking partner.
See scope & inclusions01
Scoping
Confirm product lines, partners, and the review period.
02
Sampling
Test onboarding, settlement, and refunds against stated thresholds.
03
Findings
Deliver the memorandum and name remediation owners in a closing session.
Related engagements
Other reviews we carry
Wallet AML Walkthrough
Facilitated walkthrough of customer due diligence, alert handling, and cash-out checks for stored-value and wallet operators.
Open engagement details
Investor Readiness Assessment
Compact pre-diligence pass over control narratives, reconciliation evidence, and open remediation items before a funding round.
Open engagement detailsFrom the field
What clients notice in the work
They caught that our refunds dual-control existed on paper but not on the Saturday shift. The finding was blunt, and we fixed the roster before our bank partner’s visit.
Read client storiesThe memorandum took longer than I hoped because we were slow with document access. Once files arrived, the sampling was meticulous and the severity ratings felt fair.
How we examine a control
We start with the journey money takes—onboarding, authorisation, settlement, exception—then ask staff to show the step, not recite the policy. Gaps between the two become findings.
Follow the methodJournal
Notes from recent audits for fintech teams
What settlement breaks reveal before month-end
How unmatched settlement items in fintech payment operations signal control weaknesses auditors look for before books close.
Continue readingMerchant onboarding files that hold up under review
A practical checklist for fintech compliance teams assembling merchant files that withstand audit sampling in Taiwan.
Continue reading