Beyond the BaaSics: A BSA Officer’s Playbook for Proactive Due Diligence in Banking as a Service (2025)

We are launching a guide for BSA officers working at banks offering Banking as a Service (BaaS)

Why this matters:

By 2025, regulators are zeroing in on BaaS, especially the risks tied to fintechs and non-banks operating under bank licenses with business models that lack proper regulatory oversight.

Banks that prioritize proactive compliance management, especially in the AML/BSA and third-party risk assessment areas, will be better equipped to navigate regulatory challenges, maintain stakeholder trust, and ensure sustained success within the BaaS sector.

What’s inside the guide?

  • Understanding Banking as a Service (BaaS) – Opportunities and challenges
  • Risks Associated with BaaS:  Delve into the associated risks and best practices to manage them proactively.
    • Managing AML & CFT Risks
    • Fraud Risk
    • Operational Risk
    • Growth and Financial Risk
    • Consumer Regulation Breaches and End-User Confusion
    • Reputational Risk
  • Best practices for BSA officers in Baas:
    • Enforcement Action Prevention
    • Investing in Technology and Automation
    • Conduct Specific Due Diligence for New Partner Onboarding
    • Exit Strategy for BaaS Partnerships
  • Regulatory Landscape: Gain insights into regulators’ main concerns about BaaS and what we can learn from them.

Whether you’re exploring key partnerships with fintechs or seeking to expand your product portfolio, this guide will help you save time and elevate your BSA role to a more strategic level. 

 

Ready to go beyond the BaaSics?

Fill out the form below to download your free copy of the guide!