Hsinchu · Taiwan

Ledgers, float, and filings — examined with care.

Ivory Reed Audit Partners delivers independent audits for fintech operators who need a clear opinion on safeguarding, credit portfolios, and year-end accounts — not a product pitch.

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Finance team reviewing payment settlement documents
Fieldwork for a payment-institution year-end, Taiwan

Payment institution audit as the core engagement

Our flagship work examines e-money and payment-institution ledgers, settlement reconciliations, and safeguarding of client funds for Taiwan-licensed operators preparing regulatory filings or investor diligence.

What you receive

A signed audit opinion, a management letter naming concrete control gaps, and a closing briefing with finance and compliance leads. Scope covers payment revenue, float balances, merchant payables, and related-party disclosures.

Engagements typically run 6–10 weeks from kickoff. On-site walkthroughs in Hsinchu or Taipei are preferred for float and cash procedures; overseas group finance teams can join remote pack reviews.

Full engagement scope How fieldwork unfolds
Reconciliation worksheets beside a banking seal stamp
Safeguarding reconciliation pack prepared for sampling

Related assurance work

Alongside year-end audits we assess lending portfolios, AML control design, and sell-side diligence packs when capital events or licence renewals require extra scrutiny.

Signed lending agreements and a calculator

Engagement

Lending Portfolio Review

Credit-focused audit procedures for digital lenders: loan staging, expected credit loss models, and collateral documentation completeness.

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Compliance officer reviewing printed risk reports

Engagement

AML Control Assessment

Independent assessment of customer due diligence files, transaction monitoring alerts, and board reporting for fintech compliance officers.

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Team reviewing financial diligence binders

Engagement

Investor Due Diligence Support

Buy-side or sell-side financial diligence packs for fintech acquisitions: quality of earnings, revenue cut-off, and contingent liability mapping.

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From recent client work

Evidence from payment, lending, and compliance engagements — including the friction that usually accompanies a careful review.

Payment Institution Audit

“They spent two full days on our safeguarding pack before touching the P&L. Our float bridge still had three aged suspense lines we had to clear, and the management letter named them without drama.”

Grace Lin, CFO, regional wallet operator

Lending Portfolio Review

“The lending portfolio review caught a staging rule that cured loans too quickly after a single payment. Fixing it delayed our board pack by a week, which was inconvenient but preferable to restating later.”

Kenji Nakamura, Head of Credit, digital consumer lender
More client stories

Field notes for finance and compliance leads

Practical notes on safeguarding packs, ECL preparation, and board evidence that hold up under audit sampling.

Bank statements and reconciliation worksheets

2026-05-12

Safeguarding Reconciliations That Survive Review

How payment institutions in Taiwan can structure daily float reconciliations so auditors can trace every client balance to a bank statement line.

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Analyst examining loan performance charts on paper

2026-04-03

What Lenders Should Prepare Before ECL Testing

A practical checklist for digital lenders facing expected credit loss model testing during an annual audit cycle.

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Boardroom table with notebooks and printed agendas

2026-02-18

Board Minutes Auditors Actually Need

Which board and committee minutes matter for a fintech audit — and which packs simply add noise to the request list.

Read the note