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In today’s fast-moving finance environment, compliance isn’t just about staying within the rules, it’s about earning trust. At Finmo, we’ve made compliance a core part of our platform architecture and company mindset. Why? Because global businesses need more than speed and scalability, they need certainty.
Whether you’re moving money across borders, managing liquidity in multiple currencies, or onboarding subsidiaries in new markets, Finmo ensures you do it safely, seamlessly, and in line with local regulations.
Here’s how.
Compliance by Design, Not by Reaction
Most platforms treat compliance as an afterthought. We’ve taken a different approach, embedding compliance into every stage of our product lifecycle.
From the moment a new feature is scoped, to the time it reaches our customers, our compliance team partners closely with engineering, product, and operations to ensure everything is aligned with global regulatory standards. This allows us to:
Anticipate and manage compliance risk at scale;
Accelerate go-to-market faster, with fewer retroactive fixes
Deliver a safer, seamless and more pleasant experience for our customers
By having a compliance-first design into all aspects of our company, we create solutions that are secure, adaptable, and built to navigate real-world complexity with confidence.
At Finmo, compliance isn’t a constraint. It’s a catalyst for better products and trusted growth.
Trusted Around the World
Finmo is licensed and regulated across some of the world’s most respected financial jurisdictions, demonstrating our commitment to global standards, regulatory integrity, and operational resilience:
🇸🇬 Singapore – Major Payment Institution License from MAS
🇦🇺 Australia – Financial Services License and AUSTRAC registration
🇳🇿 New Zealand – Registered Financial Services Provider
🇺🇸 United States – Registered MSB with FinCEN
🇨🇦 Canada – Registered MSB with FINTRAC
🇬🇧 United Kingdom – EMI (Electronic Money Institution) license from FCA
When you work with Finmo, you’re backed by a partner that meets the highest standards of regulatory oversight and operational resilience - so that you can scale your business globally with confidence.
A Smarter Onboarding Experience
Onboarding shouldn’t feel like paperwork. Rather, it should feel like progress. That’s why we’ve reengineered the KYB process from the ground up to be faster, smarter, and globally compliant.
By integrating with trusted global data providers, we extract verified company and shareholder information from over 200 registries worldwide, eliminating unnecessary friction without compromising on rigour. This results in:
Fewer manual uploads;
Faster ID verification;
Streamlined workflows purpose-built for finance and ops teams;
Our new onboarding flow cuts the process from 11 steps to just 4, all while meeting the highest standards of global regulatory compliance.
At Finmo, onboarding isn’t a hurdle, it’s a launchpad where global companies can commence their journey.
Intelligent Transaction Monitoring That Works Behind the Scenes
We take your data and your reputation seriously. That’s why we have secured globally recognised certifications that validates our commitment to the highest standards of security and data protection, such as:
Detects fraud and suspicious activity through a powerful blend of automated rules and AI-driven insights;
Fully configurable across transaction, entity, and platform levels to cater for ongoing risk ratings and operational needs;
Human + AI review loop enables smart escalation and visual analysis of potential high-risk behavior;
To further strengthen our defenses, we’ve launched real-time account verification, starting with Australia’s AP+ Confirmation of Payee (CoP). This ensures mismatched or suspicious beneficiary details are flagged before funds are sent, stopping fraud before it happens.
And we’re not stopping there. A global rollout is underway, bringing the same level of intelligent protection to more markets through our trusted partners.
At Finmo, fraud prevention isn’t reactive. It’s proactive, predictive, and built to keep pace with your ambition.
Security and Privacy, Built In
Onboarding shouldn’t feel like paperwork. Rather, it should feel like progress. That’s why we’ve reengineered the KYB process from the ground up to be faster, smarter, and globally compliant.
By integrating with trusted global data providers, we extract verified company and shareholder information from over 200 registries worldwide, eliminating unnecessary friction without compromising on rigour. This results in:
ISO 27001 – the international gold standard for information security management systems (ISMS), providing a robust framework for identifying, managing, and reducing risks to information assets;
SOC 2 – a rigorous audit framework focused on operational security, availability, processing integrity, confidentiality, and privacy, designed to assess the effectiveness of internal controls in service organizations;
PCI DSS – a mandatory security standard for any entity that stores, processes, or transmits credit card data, ensuring the secure handling of cardholder information and protection against data breaches;
End-to-End Encryption – a security method that ensures data is fully encrypted from the point of origin to the destination, covering both transmission and storage (‘in transit’ and ‘at rest’), protecting it from unauthorized access;
GDPR and PDPA – comprehensive data protection laws in the EU and Singapore, respectively, that govern the responsible collection, processing, and safeguarding of personal data to ensure global compliance with privacy standards.
By achieving and maintaining these leading industry standards, Finmo not only safeguards your data and ensures regulatory compliance, but also empowers your business to stay confidently ahead in an ever-evolving digital and financial landscape across the world.
The Bottom Line
At Finmo, compliance isn’t just a requirement, it’s a strategic advantage. It is the foundation that powers our customers to scale faster, move money smarter, and expand globally with unwavering confidence.
Want to learn how Finmo can support your cross-border finance & treasury operations with best-in-class compliance and onboarding?
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