How we work
The rhythm of an audit engagement
Fintech audits succeed when both sides know when samples arrive, who answers float questions, and how findings move into the management letter. This page maps that sequence for our flagship payment institution work and related reviews.
01 · Scoping
Licence, products, and calendar
We confirm your licence type, payment corridors or lending products, year-end date, and whether prior-year working papers exist. The engagement letter states scope, fees, and independence constraints.
02 · Request list
Documents before boots on the ground
You receive a structured request: trial balance, safeguarding packs, loan tapes or merchant reports, board minutes on capital and provisioning, and access instructions for the general ledger export.
03 · Fieldwork
Samples, walkthroughs, reconciliations
On-site or hybrid fieldwork tests float bridges, settlement completeness, and control design. Mid-month dates are sampled alongside month-end so daily processes — not only closing rituals — are examined.
04 · Findings
Draft letter and management responses
Issues are discussed while fieldwork is open. You respond in writing; we record residual risk and any timeline impact on the opinion date.
05 · Opinion
Signing and filing notes
The partner signs the opinion after quality review. We provide concise notes your team can attach to regulatory or investor filing packs.
What we need from you
- A single finance or compliance contact for document traffic
- Locked extracts that match the trial balance date
- Access to safeguarding bank portals or PDF statements
- Board packs covering related parties and provisioning
Typical duration
Payment institution year-end audits: 6–10 weeks. Focused AML or portfolio reviews: 3–5 weeks. Diligence packs follow the transaction calendar you set.
Ready to open an engagement?
Bring your licence type and filing date. We will propose a fieldwork window that respects your board calendar.