Fractional CCO & BSA Officer
Senior compliance leadership on a monthly retainer — without the full-time executive overhead. Defined hours. Real authority. Regulatory-grade coverage.
Executive-Level Compliance Without the Full-Time Cost
Many community banks, credit unions, and growth-stage fintechs need a seasoned CCO or BSA Officer — but don’t have the budget for a full-time executive hire. The fractional model fills that gap with defined-scope, high-impact engagement.
Under our Fractional CCO & BSA Officer model, Victor or a designated Ethixera advisor serves in a formal compliance leadership role on a monthly retainer — with defined hours, clear deliverables, and regulatory-grade accountability.
What’s Included
- Defined monthly hours (scoped to your needs)
- BSA/AML program oversight and sign-off authority
- SAR/STR review and filing oversight
- Regulatory correspondence management
- Board and management reporting
- Exam management and examiner liaison
- Compliance program design and policy review
- Staff training and compliance culture development
- Escalation point for compliance decisions
How the Retainer Works
Engagements are scoped to your program complexity and regulatory environment. Every engagement starts with a discovery call to confirm fit.
Program Oversight
Monthly retainer covering defined hours for BSA program oversight, SAR review, policy maintenance, and board reporting. Ideal for smaller community banks with stable programs.
Active Leadership
Expanded hours for BSA Officer or CCO role — includes regulatory correspondence, exam preparation, staff management support, and escalation authority for compliance decisions.
Remediation Support
For institutions under consent order or active MRAs. Higher engagement hours with structured remediation leadership, regulator liaison, and closure package development.
Discuss Whether the Fractional Model Fits
Schedule a no-obligation discovery call. We’ll assess your program needs and confirm whether a fractional structure fits your regulatory environment.