Client stories

Evidence from completed engagements

These notes come from CFOs, credit heads, and compliance officers who worked with us on audits for fintech filings and diligence. Names appear with permission; entity names are generalised.

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

Investor Due Diligence Support

“Helena’s team asked for fewer board minutes than our previous firm and still found the related-party fee we had buried in an ops memo. Communication was plain and the estimate held.”
Sophie Huang, Finance director, payments acquirer

AML Control Assessment

“AML control assessment felt thorough on CDD files. Turnaround on the draft report took a few days longer than hoped during filing season, though the findings were specific enough for our remediation tracker.”
Marcus Yeh, Compliance officer, remittance firm

Extended story: year-end at a regional wallet

A multi-currency wallet operator approached us eight weeks before its Taiwan filing deadline. Prior auditors had accepted a single float bridge; our planning meeting showed three aged suspense lines and an FX valuation without a documented rate source.

Fieldwork began with mid-month safeguarding samples rather than month-end alone. Finance cleared two suspense items during the first week; the third required a processor adjustment that delayed the draft opinion by five days. The management letter recorded the delay and the revised control owner for daily packs.

The signed opinion issued on schedule after the board reviewed the letter. The CFO later used the same pack structure for the following quarter’s internal review without waiting for year-end.

Hands reviewing printed financial statements — Closing briefing materials for a payment-institution opinion

Credit analyst notes beside loan files — Loan tape extract prepared for ECL sample testing

Extended story: staging rules at a digital lender

A consumer lender preparing investor diligence asked for a lending portfolio review focused on expected credit loss staging. The loan tape locked cleanly to the trial balance, but cure rules moved accounts from stage 2 to stage 1 after a single on-time payment.

David Wu’s team walked the credit committee through a recalculated staging sample. The board postponed the diligence data room by one week while the policy note was rewritten. The reservation in the client’s feedback — the delay — was real; the restatement risk they avoided was larger.

The revised pack became the basis for the subsequent annual audit opinion on the same portfolio.