# Fraxtional LLC
*Also known as Fraxtional*

- Website: https://fraxtional.co
- Agent profile: https://directory.haycion.ai/agents/fraxtional-co

> Fraxtional provides fractional, director-led compliance leadership for fintech, crypto, banks, and private equity.

Fraxtional LLC is a global provider of fractional risk and compliance services, embedding experienced leadership into client teams to help FinTechs, Crypto firms, Banks, and Private Equity achieve regulatory readiness and sustainable growth. The company offers a Director-led model with fractional CCOs, CROs, MLROs, CAMLOs, and BSA Officers, along with services such as sponsor-bank partnerships, money transmitter licensing, policy and procedure development, independent audits, risk assessments, and SOC 2 support.

**Mission:** To deliver practical, director-led compliance and risk leadership on a fractional basis to help customers achieve regulatory readiness and sustainable growth.

## Products & Services

### [AML Reporting Compliance Consulting for Fintech & Crypto](https://fraxtional.co/services/aml-reporting-compliance-consultant)
*Service*
Tailored AML solutions to ensure compliance and operational efficiency for fintech and crypto sectors.

- **Custom AML Reporting Framework** — Builds Tailored AML Policies
- **Bank-Approved Compliance Framework** — Ensures Regulatory Acceptance
- **SAR and Incident Management** — Facilitates Efficient SAR Filing
- **Scalable Transaction Monitoring** — Implements Adaptive Alert Systems

### [Anti-Money Laundering Services](https://fraxtional.co/services/fraxtional-anti-money-laundering-aml-services)
*Service*
Enhance compliance and mitigate risks with tailored anti-money laundering services.

- **End-to-end AML Program Development** — Deliver Comprehensive AML Framework
- **Dedicated Compliance Leadership** — Embed Industry Experts
- **Policy and Control Development** — Create Customized AML Policies
- **Regulator-ready Reporting** — Ensure Audit-Ready Documentation
- **Strategic Monitoring and Screening Oversight** — Optimize Transaction Monitoring Systems

### [Chief AML Officer Consulting Services](https://fraxtional.co/services/aml-compliance-consulting-advisory-services)
*Service*
Enhance compliance and mitigate risks with expert AML leadership tailored to your organization's needs.

- **Policy Development Oversight** — Streamline Policy Creation
- **Regulatory Liaison** — Facilitate Regulatory Communications
- **Strategic AML Governance** — Strengthen Governance Frameworks
- **Accountable Program Design & Documentation** — Develop Comprehensive Programs
- **Comprehensive AML Risk Assessment** — Identify and Mitigate Risks
- **Strategic Monitoring and Screening Oversight** — Optimize Monitoring Systems

### [Fractional Leadership Services](https://fraxtional.co/services/camlo-leadership-services-for-scalable-growth)
*Service*
Provides scalable, expert leadership in compliance and risk management to accelerate organizational success.

- **Board-ready Governance** — Enhances Oversight
- **Director-level Leadership** — Provides Senior Expertise
- **Multiple Role Coverage** — Offers Flexible Roles
- **Strategic Oversight** — Provides Proactive Risk Strategies
- **Rapid Deployment** — Installs Expertise Instantly

### [Money Laundering Reporting Officer Services](https://fraxtional.co/services/money-laundering-reporting-officer-services)
*Service*
Expert MLRO services to ensure compliance and enhance regulatory partnership for financial firms.

- **Regulatory Liaison** — Facilitates Clear Communication
- **SAR Filings and Records** — Ensures Compliance Readiness
- **Strategic AML Oversight** — Strengthens Compliance Framework
- **Emergency MLRO Deployment** — Immediate Regulatory Coverage
- **Policy Development and Risk Management** — Customizes Compliance Strategies

### [Interim MLRO Executive Services](https://fraxtional.co/services/interim-executive-management-and-compliance-services)
*Service*
Ensure seamless AML compliance and oversight during leadership transitions.

- **Interim MLRO Deployment** — Deliver Prompt MLRO Placement
- **Regulatory Liaison During Transition** — Maintain Regulatory Communication
- **Operational Continuity Management** — Ensure Zero Downtime in Compliance
- **AML Policy Development** — Develop Comprehensive AML Policies
- **Crisis Management and Handover Strategy** — Facilitate Smooth Leadership Transition

### [Fractional BSA Compliance Services](https://fraxtional.co/services/fractional-bsa-compliance-services)
*Service*
Empower your compliance strategy with tailored BSA, SAR workflows, and efficient risk management.

- **SAR Readiness** — Ensure SAR Workflow Efficiency
- **BSA Policy Development** — Customize Your BSA Policies
- **Director-Level Oversight** — Leverage Expert Oversight
- **Sponsor-bank Aligned Controls** — Meet Sponsor Bank Expectations
- **Ongoing Regulatory Guidance** — Receive Timely Compliance Updates

### [Sponsor Bank Partnership Services](https://fraxtional.co/services/securing-sponsor-bank-relationship)
*Service*
Connects FinTechs with suitable sponsor banks for optimal growth.

- **Intro to Sponsor Banks** — Connects to Aligned Banks
- **Due Diligence Preparation** — Streamlines Documentation Process
- **Onboarding Support** — Streamlines Onboarding Process
- **Regulatory Support** — Ensures Compliance Readiness
- **Risk Assessment Alignment** — Identifies Optimal Risk Profiles

### [Money Transmitter Licensing](https://fraxtional.co/services/fraxtional-money-transmitter-licensing)
*Service*
Streamlined Money Transmitter Licensing and Compliance Management for FinTechs and Crypto firms.

- **NMLS Filing Support** — Streamline Filing Process
- **Nationwide Regulatory Coverage** — Achieve Nationwide Compliance
- **Ongoing License Maintenance** — Ensure Compliance Readiness
- **Pre-Filing Strategy** — Optimize Filing Strategy
- **Post-Filing Compliance Setup** — Secure Long-Term Compliance

### [Independent Audit](https://fraxtional.co/services/fraxtional-independent-audit-services)
*Service*
Ensure compliance and strengthen investor trust through thorough independent audits.

- **Regulatory Framework Mapping** — Map Controls to Standards
- **Remediation Roadmap** — Provide Actionable Remediation Plans
- **Risk and Remediation Planning** — Deliver Prioritized Risk Plans
- **Controls Review** — Assess Policy Effectiveness
- **Policy and Controls Review** — Review Documented Policies

### [Risk Assessment Services](https://fraxtional.co/services/fraxtional-risk-assessment-services)
*Service*
Enhance your compliance readiness with thorough risk assessments that identify and mitigate operational and regulatory risks.

- **Full Risk Mapping** — Identify Risk Areas
- **Remediation Roadmap** — Implement Effective Solutions
- **Prioritized Findings** — Streamline Remediation Efforts
- **Ongoing Support** — Ensure Continuous Compliance

### [SOC 2 Compliance](https://fraxtional.co/services/fraxtional-soc2-compliance-consulting-services)
*Service*
Achieve SOC 2 compliance efficiently with tailored controls and expert guidance.

- **Adaptable Controls** — Tailors Controls to Fit Your Needs
- **Audit Coordination** — Coordinates Directly with Auditors
- **SOC 2 Readiness** — Guides You to Achieve SOC 2 Readiness
- **Control Mapping** — Maps Controls to SOC 2 Requirements

## Market Segments

- **AML compliance and screening** (market size $4.4B, CAGR 17.8%): Capabilities for anti‑money laundering compliance including entity screening, transaction monitoring, ongoing monitoring, and audit-ready reporting to support regulatory requirements.
- **Fractional compliance and risk leadership** (market size $1.2B, CAGR 12.5%): Director-level and interim placement of compliance, AML, BSA, and risk executives to provide governance, board-ready reporting, and ongoing oversight without full-time hires.
- **Regulatory compliance and licensing** (market size $3.5B, CAGR 8.5%): Advisory and compliance services for licensing, sponsor-bank facilitation, payments and crypto regulatory readiness, KYC/AML integration and cross-border market entry.
- **Audit and due diligence readiness** (market size $5.5B, CAGR 7.5%): Preparation and remediation for financial audits, SOC reviews, transaction due diligence and investor diligence through documentation packages, internal control assessment, remediation of findings, and technical accounting support.