Managed fintech operations cover the work that starts after go-live and never stops: onboarding reviews, alerts, reconciliations, partner reports and customer questions. We run that work for you under your licensed partner's policies, with documented procedures, so your own team can spend its time on the product and the business.
What we do and what stays with the licence holder
The line between operations and regulated decisions is drawn before we start. We collect and check KYC documents, review monitoring alerts, prepare case files, reconcile accounts and answer customers. Your licensed partner, or the compliance officer you appoint, approves higher-risk customers, decides on reports to authorities and signs off on policy changes. Every handoff between the two sides is logged, so an auditor can follow a decision from alert to outcome.
KYC operations outsourcing and AML monitoring
KYC operations outsourcing works when the procedure is written precisely enough that two analysts would reach the same result. We turn your partner's policy into step-by-step procedures, train the team on them and measure consistency. For AML transaction monitoring, we review alerts in a set order of priority, attach the evidence a compliance officer needs, and keep the queue within the service levels you agree with your partner.
AI agents handle routine steps such as reading documents, drafting case summaries and flagging missing information. Trained analysts check their work and make every operational call. This is how we keep operations lean without lowering the standard of review.
Payment reconciliation and fintech back office outsourcing
Reconciliation is where small products often fall behind. We match your ledger daily against partner accounts, card settlement files and payment rail reports, investigate breaks and record the cause of each one. The same team handles back office tasks such as refunds, chargebacks within the partner's dispute process, partner reporting and month-end packs for your finance team.
Starting managed operations
Most clients move to managed operations straight after a launch we built, which means the procedures and tooling are ready on day one. We also take over operations for products built elsewhere. In that case, the first step is a short review of your current processes, partner agreements and tooling, followed by a written plan for the handover. If you need leadership as well as operations, the Fractional fintech team can sit alongside this service.