Stay compliant, reduce risk, and confidently manage every stage of your payments program. Beacon's audit practice delivers customized audits and reviews across consumer and B2B payment programs — covering deposit and lending regulations, operational risk, BSA/AML/OFAC, and partner oversight controls. We work directly with program managers to meet sponsor bank requirements, and contract directly with sponsor banks for annual audits.

Confidently oversee your fintech partnerships from onboarding to exit. Our Corporate Governance practice helps sponsor banks validate the oversight structures, policies, and reporting frameworks needed to manage third-party relationships. Reviews cover Board and Committee governance, Compliance Management Systems, risk assessment, ongoing monitoring, and due diligence — scoped to a single program manager or your full fintech portfolio.

Catch fraud and credit risk before it becomes a loss. Beacon's Merchant Acquiring practice serves ISOs and acquiring banks alike, providing independent assurance that merchant relationships meet policy, contractual, and network standards. Reviews cover the full merchant lifecycle — onboarding, monitoring, due diligence, ISO reporting, and termination — plus governance controls. Engagements are tailored to your portfolio's size and risk profile.

Close the loop on remediation with independent validation that stands up to scrutiny. Beacon's validation services provide independent assurance that corrective actions and remediation adequately address matters requiring attention — through both test of design and test of operating effectiveness. Whether it's audit reports, regulatory exams, or sponsor bank reviews, our services are offered ad-hoc or ongoing, tailored to your needs.

Present confidently in your next examination and reduce risk in the meantime. Beacon's Compliance Consulting practice offers hands-on regulatory support across deposit, lending, and general compliance for banks and payment programs. Services include fractional Compliance Officer support, policy review, UDAAP/UDAP monitoring, dispute testing, remediation management, training, regulatory representation, and third-party oversight — ad-hoc or ongoing, tailored to your needs.

A required lookback review is never good news — for you, your accounts, your customers, or your bottom line. Beacon executes lookbacks with a risk-based approach to identify required restitution in alignment with regulator and bank expectations. We've conducted targeted and enterprise-wide lookbacks across program manager portfolios at sponsor banks. When a lookback lands on your desk, Beacon lights the path back to safe harbor.