Regulatory Compliance Audit
End-to-end independent audit of licensing conditions, customer due diligence, transaction monitoring, and board reporting for payment and lending fintechs in Taiwan.
Licensed payment institutions, electronic payment institutions, and digital lending operators preparing for FSC reviews or investor diligence
Typically 6–10 weeks depending on licence perimeter and sample size
From NT$480,000 for a single-licence payment institution
Taiwan fieldwork with Hualien desk coordination; remote interviews where appropriate
Harborline’s flagship Regulatory Compliance Audit is an independent examination of how a Taiwan fintech actually meets its licence conditions — not a checklist workshop and not a software scan. We work on-site in Hualien County and remotely across Taiwan, reading policies against practiced controls, sampling customer files, and walking transaction-monitoring alerts with the teams who clear them.
Who it is for
Operators holding or seeking a payment, electronic payment, or related fintech licence who need a defensible view of control effectiveness ahead of Financial Supervisory Commission attention, banking-partner reviews, or board certification.
Scope included
- Mapping of licence obligations to documented policies and operating procedures
- Walkthroughs of onboarding, KYC refresh, and enhanced due diligence cases
- Sample testing of customer files, alert dispositions, and SAR/STR decision trails
- Review of board packs, compliance officer reports, and escalation minutes
- Written findings with severity ratings and a remediation-oriented closing conference
Excluded
- Legal opinions on licence eligibility
- Software implementation or vendor selection
- Ongoing outsourced compliance officer placement (available as a separate retainer engagement)
Delivery
Work is led by a Harborline engagement partner with a senior auditor and a local associate. Kick-off begins with a scoping letter and document request list. Fieldwork combines interview days with sample testing. You receive a draft findings report, a management response window, and a final board-ready report.
Preparation
Please designate a single compliance contact, prepare the last twelve months of monitoring exception logs, and reserve interview slots with operations, customer support, and technology operations leads who own control execution.
Next step
Request an audit brief through our contact desk. We return a proposed perimeter, sample plan, and fee estimate within two business days.