Not A Fintech Company Roadmap
This document serves to lay out the different resources, guides, models, policies, procedures and more that this project intends to develop over time. It’s currently a work in progress, and ideally a living document as different individuals contribute and add to the project.
Guides
- How to select a bank partner
- MTL vs MSB vs National Trust bank charter vs National Charter
- How to launch a card product?
- Credit card vs Charge Card vs Debit Card
- How to select your financial crime prevention and compliance partner
- How to prepare to operate a card product
- How manage your cards/payments/compliance vendors and sponsor bank partner - What to think about, what to do, what to worry about, and when
- Financial Crime compliance - Roles & responsibilities and things to be alert about
Models
Identity & Fraud Models
- Financial Crime risk assessment
- Origination Fraud
- KYC & Identity Fraud
- Transactional Fraud
- Synthetic Fraud
Financial Product Models
Underwriting Models
- Mortgage
- Credit Card
- Installment Loan
- Auto
- Payday / Short-term
People
- Customer Operations
- Financial Crime Operations
- Product
- Engineering
Disclosures & Agreements
Credit Card
- Schumer Box
- Credit Cardholder Agreement
- Statement Disclosure
Bank Account
- Deposit Account Agreement
- Saving Account Agreement
- Automatic Savings Account Agreement
General
- Electronic Communications Agreement
- eSign Agreement
- Terms and Conditions
- Company Privacy Policy
Policies
- Bank Secrecy Act
- Anti-Money Laundering
- OFAC Policy
- Fraud prevention policy
- Collections Policy
- Credit Bureau Reporting
- Third Party Vendor Management
- Information security policy
- Business continuity policy
Procedures
- Customer Service Manual
- SAR Filing Process
- OFAC Procedure
- Financial Crime prevention manual
William White
Version 0.2
December 12th, 2020
Aaron Frank
Version 0.1
December 10th, 2020