Avalo Fintech Program.
Your Fintech Division
Bank-Governed, Avalo-Operated,
Examiner-Ready
Market-ready in less than 90 days. Profitable within six months.
Your program can be market-ready in as little as 90 days, depending on due diligence, approvals and implementation requirements. The model targets profitability within six months, based on client acquisition and program performance.
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.
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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 and a structured change-request process.
What It Really Takes to Run a Fintech Program
The 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 · U.S. payment connectivity and integrated ledgering · Near real-time dashboards, audit logs and reporting · Ongoing updates, patches and security.
Bank-Governed. Avalo-Operated. Examiner-Ready.
Bank-Governed
You retain governance and decision authority.
Your board sets risk appetite and controls.
You define the policies; Avalo supports their implementation across client and transaction workflows.
End-to-end transparency.
Avalo-Operated
We manage daily operations, compliance workflows and reporting, customer support and business development.
Dedicated teams handle operations at scale.
Proven technology platform with connectivity to U.S. payment rails.
Reduce the need for additional hiring and 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
Many BaaS models distance banks from day-to-day program operations, while software-only providers leave execution to the bank. Avalo takes a different approach. We operate the program within your policies, under your board and on your charter. You govern. We operate. Your board remains in control, your examiners see a bank-run operation and your clients see your brand.
Strategic Benefits
Why this partnership works at every level of your institution.
Your Board
Full governance control with reduced operational burden. Faster market entry with proven infrastructure. Diversified non-interest income without fixed-cost expansion. Institutional-grade governance and documentation designed to support regulatory review.
Avalo’s Operational Expertise
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 path to market: a 90-day launch target compared with 9–12 months for an in-house build. Potential to lower the cost of deposits and increase non-interest fee income without adding fixed costs to your P&L.