Avalo Fintech Program.
Your Fintech Division
Bank-Governed, Avalo-Operated,
Examiner-Ready
Avalo designs, implements, and manages a complete fintech business unit under your bank's governance.
Market-ready in less than 90 days. Profitable within six months.
See how it works – in less than 90 seconds
From governance structure to launch timeline, this short overview shows how banks are launching fintech programs under their own brand — with Avalo operating behind the scenes.
Prefer to read? Keep scrolling.
Banks want fintech revenue with bank-grade oversight
Building a fintech division in-house requires specialized hires, new compliance infrastructure, and significant upfront investment before a single client is onboarded. Most banks do not have the bandwidth to build and operate this internally — so the revenue opportunity is often left unrealized.
We build, staff, and run it — inside your governance
Avalo designs, implements, and operates a complete fintech business unit under your bank's governance. We bring the platform, the compliance framework, the operations, and the business development. You retain oversight, brand control, and the majority of the revenue.
How Avalo Runs Your Fintech Program
1. Design & Onboarding
Program design, policy alignment, fintech selection criteria, and initial onboarding.
2. Business Development
Sourcing, vetting, and closing fintech clients that fit your risk appetite.
3. Payments & Operations
Day-to-day processing, reconciliations, exception handling, treasury coordination.
4. Compliance & Reporting
KYC/KYB/KYCC, EDD, monitoring, and examiner-ready reporting aligned to your risk framework.
5. Governance Collaboration
Regular reviews with your leadership, clear SLAs, structured change-request process.
What It Really Takes to Run a Fintech Program
Avalo Fintech Program sits at the intersection of four complex skill sets.
🛡️ Regulatory & Compliance
BSA/AML · KYC/KYB/KYCC, EDD · Policy drafting, testing, and examiner engagement
⚙️ Operations & Risk Management
Customer onboarding & account management · Payment operations & reconciliations · Exception handling & escalation · Risk assessment and remediation
📈 Business Development & Product
Source and vet fintech partners · Lead fintech sales & acquisition from outreach through deal closure · Shape the program to be scalable
🔧 Technology & Infrastructure
Single integrated platform · Fed-connected core payments & ledgering · Near real-time dashboards, audit logs, reporting · Ongoing updates, patches, security
Bank-Governed. Avalo-Operated. Examiner-Ready.
Bank-Governed
You retain full regulatory oversight
Your board sets risk appetite and controls
You define policies; Avalo applies them to every client and transaction
End-to-end transparency
Avalo-Operated
We manage daily operations, compliance, customer support, and business development
Dedicated teams handle operations at scale
Proven technology platform with Fed connectivity
No need for new hiring, training, or infrastructure
Examiner-Ready
Near-real-time dashboards and audit trails
Third-party annual audits included
Board-level training and documentation
Institutional-grade governance from day one
Your governance and control. Our infrastructure and expertise.
WHY THIS ISN’T BAAS
BaaS removes your governance. Software vendors hand you the keys and walk away. Avalo doesn't. We run your fintech program inside your policies, under your board, on your charter. You govern. We operate. Your board stays in control. Your examiners see a bank-run operation. Your clients see your brand.
Strategic Benefits
Why this partnership works at every level of your institution.
Your Board
Full governance control with zero operational burden Immediate market entry with proven infrastructure Diversified non-interest income without fixed-cost expansion Institutional-grade governance that satisfies regulatory scrutiny
Your Operations
Specialized compliance, payments, and business-development teams working on your behalf — without adding headcount Scale into new revenue without proportional cost or hiring A stronger market position as a fintech-forward institution
Your Bottom Line
Predictable costs, transparent revenue-sharing Faster time to revenue: under 90 days vs. 9–12 months Lower cost of deposits while increasing non-interest fee income — without adding fixed costs to your P&L