Senior Risk & Compliance leader with deep expertise in fintech, payments and digital assets. I build AML, risk and governance frameworks, support licensing (MiFID II, VASP), design onboarding flows, tune KYC/TM systems and prepare companies for regulators, banking partners and audits. Currently a CRCO and Board level advisor to fintech and Web3 founders.
In my opinion as a regulatory and risk specialist that oversees B2B and B2B2C in Corporate Banking I would say that they remove structural barriers that historically limited small businesses or at least their ability to scale, comply, and compete with the larger market. Their impact I say spans operational efficiency, financial access, compliance readiness, and broader enablement of both business and consumer economics.