Your CCO, without
the full-time overhead
Expert compliance leadership, policy delivery, and audit support — at a fraction of the cost.
In-house vs. outsourced:
What’s the real cost of getting compliance wrong?
We’ve helped fintechs pass compliance reviews with sponsor banks like Piermont, Lead Bank, and Blue Ridge.
CGCRS Fractional CCO
$3,000
Per/Mo
Benefits List
- $3,000/month flat rate
Predictable, founder-friendly pricing - Ramp time: 3–5 days
onboarding starts immediately - Sponsor bank–approved policies
not just templates - Full AML/BSA policy library included
no extra fees - Updated continuously by experts
stays current with regulatory shifts - Led by senior CCOs (20+ years experience)
not outsourced juniors - No internal lift required
we write, update, and deliver everything - Audit-ready from day one
matches what sponsor banks expect - Cancel anytime
no long-term commitment - Proven success
used by 35+ fintechs and counting - Confidence for banks, investors, and regulators
closes the “compliance gap” faster - No recruiting, HR, or benefits overhead
- Built from scratch
yes built from scratch - Risk of failure
CGCRS: Low (bank-approved)
In-House CCO
$15K–$20K
Per/Mo
Limitations
- $15K–$20K/month salary
plus equity, benefits, and tax overhead - 3–5 week ramp time
even if hire is “ready” - Policies often built from scratch
inconsistent quality - No external validation
may not match sponsor bank expectations - Limited bench strength
knowledge gaps if CCO leaves - Extra staff often required
writers, analysts, or contractors - Hard to scale
one person can’t manage growth complexity - High opportunity cost
slows product and fundraising focus - 6–12 month hire commitment
hard to pivot or replace - Compliance quality varies
depends on the specific hire - No systemized audit prep
harder to meet deadlines - Risk of single point of failure
especially in a BaaS environment - Built from scratch
unvalidated, often incomplete - Risk of failure
In-House: High (depends on single hire)
“Our sponsor bank signed off on every
policy CGCRS delivered — no redlines, no revisions.”
policy CGCRS delivered — no redlines, no revisions.”
- Named CGCRS CCO with deep fintech experience
- Monthly compliance roadmap and advisory updates
- Email-based access for day-to-day questions
- One live call per month (Zoom or equivalent)
- Policy drafting and regulatory updates
- Audit and exam preparation support
- Risk committee or investor support as needed
- Clear scope: strategic guidance, not system implementation
- Cancel anytime with 30-day notice
- Must complete a Full Audit before engagemen
Terms
$3,000–$9,000/month depending on company size
Month-to-month agreement with 30-day notice
Pause or cancel anytime (re-entry requires a new Full Audit)
CGCRS
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Ready to Future-Proof Your Compliance?
