Security leadership built for lenders, payment processors, neobanks, and embedded finance platforms. Navigate SOC 2, PCI DSS, GLBA, and state money transmitter requirements with a CISO who understands regulated financial services.
20+ years in FinTech and payments, including SVP roles at a global ATM and payments operator and CISO leadership at a Nasdaq-listed crypto FinTech platform. Custody, stablecoin, and digital asset governance are core practice areas.
Your customers, partners, and regulators all want proof that your security program matches your risk.
"A top-10 bank just sent us a 250-question vendor assessment. We don't have the answers."
"Our PCI DSS scope is unclear, and our processor is asking for a QSA report we don't have."
"We need SOC 2 Type II to close enterprise deals, but we don't know where to start."
A fractional CISO for FinTech gives you an experienced operator who has built security programs inside regulated financial services companies — not a generic IT consultant.
Build the trust services criteria, controls, and evidence repository that enterprise customers and auditors expect.
Scope reduction, Self-Assessment Questionnaire (SAQ) support, and QSA engagement management for cardholder data environments.
Align your information security program with GLBA Safeguards Rule requirements and customer data protection obligations.
Map security requirements to MTL licensing exams and state regulatory expectations.
Meet New York's cybersecurity requirements even if you have just one customer in the state.
Respond to bank and enterprise security questionnaires with credible, evidence-backed answers. Learn more.
Generic vCISO playbooks don't cover what actually keeps FinTech security leaders up at night.
Key management and custody arrangements, exchange and blockchain vendor risk, travel-rule exposure, and the security narrative public-market investors expect from digital asset businesses. For the deep version of this, see our digital asset and stablecoin cybersecurity practice.
Minimizing PCI scope through tokenization and processor architecture, managing acquirer and bank security requirements, and surviving processor security reviews.
GLBA Safeguards programs, bureau and data-provider contracts, fraud-model governance, and the security sections of state licensing exams.
Partner bank oversight, third-party risk programs that satisfy OCC-style expectations, and data flows that regulators can trace end to end.
API security, partner onboarding controls, and the awkward reality that your security posture is now embedded in someone else's audit.
Fraud models, underwriting algorithms, and customer-facing AI features need governance before a regulator or lead investor asks. See our AI governance advisory.
Stablecoins are moving from crypto-native products into mainstream fintech: settlement, payouts, and treasury integrations. That shift drags a new control surface into your security program.
Hot, warm, and cold wallet models, qualified custodian oversight, MPC and HSM signing, and quorum policies around transaction approval — documented with a risk rationale an auditor can follow.
Exchange and custody API keys treated as privileged credentials: vaulted, scoped, rotated, and monitored, with withdrawal allowlists and limits enforced in policy and in code.
Due diligence on issuers, custodians, exchanges, and liquidity partners; concentration risk tracking; and sanctions/OFAC screening governance your bank partners can inspect.
Key-compromise and wallet-drain scenarios, counterparty-failure playbooks, and disclosure paths — tested in tabletops like your other incident scenarios, not left in a binder.
The GENIUS Act created the first federal framework for payment stablecoins, and examiner-style questions about key management, monitoring, and sanctions controls are coming with its rulemaking. Build the evidence trail now.
Key inventory, custody status, vendor concentrations, and incidents — reported in the same quarterly board pack as your other risk, in language directors can read in ten minutes.
This is enterprise security governance, not smart-contract auditing. For the full practice description, see digital asset and stablecoin cybersecurity consulting.
Concrete outcomes, not a slide deck of recommendations.
From gap assessment to Type I to Type II, with an evidence repository your team maintains without heroics.
Architecture and tokenization decisions that shrink the cardholder data environment, plus the SAQ or QSA path that fits your volumes.
Bank and enterprise questionnaires returned with evidence-backed answers that survive follow-up scrutiny.
Risk reporting your board actually reads, diligence materials your investors can forward, and a security roadmap tied to business milestones.
MTL exam responses, NYDFS certifications, and GLBA program documentation built to withstand examiner follow-ups.
A response plan with FinTech-specific scenarios — frozen settlements, exchange outages, key compromise — tested in tabletop exercises.
Regulated financial services security is a different discipline from generic IT security. The vocabulary, the stakes, and the review cycles are different. A consultant who has never lived through a bank partner's due diligence or a state MTL exam will learn on your dime.
NTD's principal served as SVP at a global ATM and payments operator and as CISO of a Nasdaq-listed crypto FinTech platform — through SPAC, IPO, and public-company cybersecurity disclosure. That background means bank partner assessments, PCI scoping debates, and exam questions are familiar territory, not research projects.
The About page has the details, including public-company disclosure experience and payments infrastructure leadership.
We respond to vendor assessments with answers that satisfy enterprise procurement teams and pass follow-up scrutiny. See our security audit response service.