Advice built around the complete record.
A transaction can transfer more than assets and revenue. It can inherit customer risk, sanctions exposure, weak transaction-monitoring data, unresolved regulatory findings and contractual promises that do not match operating reality. We advise buyers, sellers, investors, boards and regulated counterparties on transactions where financial-crime and national-security issues materially affect valuation, structure, closing conditions or post-closing integration.
Diligence is designed around the deal rather than a generic checklist. The team maps products, customers, geographies, licenses, sponsor-bank or correspondent relationships, agents, processors, wallet exposure, government contacts and open remediation. Potential issues are tested for scope, root cause and evidence. The client receives clear choices: a risk that can be priced, a condition that requires cure, an allocation that belongs in the agreement, or an exposure that changes the transaction thesis.
We draft and negotiate representations, covenants, information rights, audit provisions, sanctions and AML/CFT conditions, third-party oversight, termination rights and cooperation obligations. After signing, legal conclusions are translated into owners, data, controls and completion evidence. This is particularly important in fintech and embedded-finance arrangements, where contractual responsibility is distributed among banks, platforms, program managers, processors and vendors but regulatory accountability may remain concentrated.
Who we advise
Clients include banks, fintechs, MSBs, crypto platforms, technology providers, charities, private investors and companies entering higher-risk markets. We work with corporate counsel, compliance leaders, transaction advisers and technical specialists so legal diligence is connected to the financial and operating model.
The team does not promise that contractual language eliminates regulatory exposure. Instead, it identifies who can operate each control, what evidence will be available, how exceptions are escalated and what happens if an authority, sponsor bank or correspondent changes its position.
