Services
Every service area is open to banks and financial intermediaries as well as to digital asset firms. The methods are the same, the supervisory logic differs. That translation is our craft.
Effective governance shows in responsibilities, information flows and escalation paths that work in everyday operations. We design and implement governance structures for regulated and growing organisations: organisational regulations, authority matrices, internal control systems, the three lines of defence model, and committee reporting that prepares decisions rather than delaying them.
On request we take on board responsibility: board mandates in Switzerland as well as governing body and internal functions in Liechtenstein, including the substance requirements under MiCAR. We take on board responsibility where it comes with real information, escalation and intervention rights. That protects the company and its owners as much as the mandate.
We build enterprise risk management frameworks and develop existing ones further: risk strategy and risk appetite statement, risk identification and risk taxonomy, risk register including ICT and cyber risks, key risk indicators, and management and board reporting. This includes business continuity management, the integration with the internal control system, and the link to capital planning and stress testing (ICAAP, Pillar II).
We support banks in advancing systems and methods, in third-party risk management and in closing supervisory findings, including robust remediation reporting towards audit firm and regulator. For digital asset firms we translate the same discipline into the requirements of MiCAR, DORA and the Liechtenstein DDA.
We design and implement AML/KYC architectures: policies and directives, business and client risk assessments, onboarding processes with KYC, CDD and EDD, PEP and sanctions screening, transaction monitoring with a clear alert and escalation logic, and suspicious activity reporting processes. For digital asset business models this extends to Travel Rule, wallet screening and the calibration of blockchain analytics tools. We work hands-on with Scorechain, 21Analytics, Sumsub, ComplyAdvantage and Chainalysis.
We currently exercise the MLRO function as external Money Laundering Reporting Officer for a licensed market maker under FMA supervision. That practice flows into every mandate.
It starts with the regulatory translation of the business model: which licence is needed, in which jurisdiction, with what substance? We develop the licensing strategy for Switzerland (SRO/VQF affiliation, FinTech licence), for Liechtenstein (MiCAR) and for Austria, prepare the application documents, test business plans for supervisory robustness and run the communication with the authority through to approval.
This includes company formation and the structuring of holding and participation structures. Tax and legal specialist questions are handled in coordination with specialised law firms from our ecosystem.
The quality of a compliance architecture is increasingly decided in the tools: KYC and KYB checks, identity verification, KYT and transaction monitoring, Travel Rule, on-chain risk analysis, PEP and sanctions screening. We know the leading providers from operational use, select vendor-independently based on business model and licence conditions, open the direct line to the right providers, and support evaluation, negotiation and implementation.
Selection is followed by calibration: we translate AML policy and risk appetite into rules, thresholds and alert logic, check the configuration against licence conditions and supervisory expectations, anchor audit trail and evidence standards, and recalibrate as products, risks and regulation evolve. For blockchain analytics, Aragon eXeed is Scorechain’s implementation partner for the DACH region; we also have hands-on experience with 21Analytics, Sumsub, ComplyAdvantage and Chainalysis.
Some topics cannot be solved alongside daily business. We take responsibility for complex projects with a regulatory or risk dimension: from structuring through decision papers for executive management and the board to delivery across functions and divisions. This includes managing the relevant stakeholders: regulator, audit firm, investors, banks and internal committees.
In transition phases we secure leadership continuity: on an interim basis as CRO, CCO, MLRO or in comparable functions, with a clear mandate and a defined handover. We support advisory and audit firms as a sub-contractor with senior capacity, particularly in the digital asset space: technically robust, boardroom-ready and under their engagement lead.
30 minutes, free of charge, by phone or video. You receive a concrete first assessment; afterwards both sides decide whether working together makes sense.
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