Licensing Readiness Audit
Assess policy coverage, KYC sampling, and evidence packs before an FSC filing or licence expansion for a Taiwan fintech operator.
Engagement details
Pine Current Audit Co.
Audits that read the ledger, not the pitch deck
We examine payment authorisation, settlement cut-offs, and licensing evidence for fintech teams who need findings their board can act on.
Request a scoping callFlagship engagement
Our Payment Control Review traces how instructions are authorised, how clearing lands in the books, and how exceptions age — then delivers a findings letter without theatrical language.
Payment Control Review
Built for e-wallets, card issuers, and payment institutions preparing for board scrutiny or investor diligence. Fieldwork typically spans three to four weeks after data access.
- Authorisation path mapping across rails
- Clearing-to-ledger sample testing
- Exception queue and aging review
- Board-ready summary with ranked gaps
Related engagements
Each audit stands alone. Together they cover the questions Taiwan fintech operators meet most often.
Settlement Reconciliation Audit
Independent testing of settlement books, float accounts, and cut-off procedures for issuers and acquiring partners.
Engagement details
Investor Due Diligence Audit
Targeted review of lending files, underwriting evidence, and control narratives for fintech fundraising or secondary diligence.
Engagement details“Their payment-control walkthrough caught a settlement cut-off mismatch we had lived with for two quarters. The working papers were dense, but the board summary was usable the same afternoon.”
Evidence from recent work
Client stories name the engagement, the constraint, and the outcome — not star ratings.
Read client storiesFrom field notes
Short pieces on sampling, licensing packs, and settlement cut-offs.
How we sample payment exceptions without drowning in tickets
A practical approach to aging queues, severity labels, and when a “cleared” exception still belongs in the sample.
What Taiwan fintech teams forget in a licensing evidence pack
Filing narratives often outrun the customer files. Here is what we check before an FSC conversation becomes awkward.
Cut-off discipline in settlement books
Late clearing files and backdated adjustments are where float accounts quietly accumulate unexplained balances.
Common questions
How long does a typical fintech control audit take?
Most payment-control and reconciliation engagements run three to five weeks from scoping call to board briefing, depending on ledger access and sample size.
Do you work only with licensed institutions?
No. We also support pre-licence operators preparing FSC submissions, provided management can share policies, transaction samples, and ownership of remediation.
Will you certify us for investors or regulators?
We issue an independent findings letter and working-paper pack. We do not sell a compliance stamp or guarantee regulatory approval.
Where does fieldwork happen?
Scoping and interviews can be remote. Sample testing and ledger walkthroughs are usually on-site in Taiwan when records cannot leave the premises.
What should we prepare before the first meeting?
Bring a current organisation chart, product map, recent settlement reports, and the last two months of exception logs. Incomplete packs simply extend the timeline.
Bring the settlement pack
Share your product map and a recent reconciliation file. We reply with a written estimate within two business days.
Request a scoping call