Fractional CCO & BSA Officer
Fractional Chief Compliance Officer On Your Terms
Senior AML and BSA leadership without the full-time overhead. Pillars FinCrime Advisory plugs into your team to keep your program scalable and audit-ready.
- Senior compliance leadership without a full-time hire
- CAMS-certified, 12+ years in financial crime
- Covers BSA Officer duties, exams and sponsor banks
Led by Joshua Douglas, CAMS certified, 12+ years in financial crime.
Prefer to talk? Call 281-825-1603
Talk about fractional CCO support
Tell us about your company and where your compliance program stands. We will reply with next steps.
Why companies outsource the CCO role to Pillars
Senior expertise, no overhead
Get experienced compliance leadership and program accountability without the cost of a full-time executive hire.
Built for growth
Practical, data-driven programs designed to scale as your transaction volumes and products grow.
Exam and audit ready
Policies, risk assessments and governance documented so your program holds up to regulatory scrutiny.
Sponsor bank confidence
We represent your program to sponsor banks and handle partner communication and regulatory alignment.
Full lifecycle coverage
From KYC/KYB design and SAR quality to transaction monitoring tuning, one partner covers it all.
Fits your operations
Flexible, scalable support that integrates with your team instead of sitting on the outside.
What a fractional CCO or BSA Officer covers
Pillars FinCrime Advisory gives fintechs, payments companies and financial institutions on-demand compliance leadership. You get regulatory oversight, program accountability and clear guidance for your board, without adding a full-time executive to payroll.
Founder Joshua Douglas is CAMS certified with 12+ years in financial crime and nearly 20 years across financial services. He works directly with boards and CEOs to turn regulatory expectations into plain business language.
- Fractional CCO and fractional BSA Officer engagements
- AML and BSA program development, policies and procedures
- Financial crime risk assessments and risk-based approach design
- KYC / KYB program design and KYC redesign
- SAR program support, alert investigation and narrative writing
- Sanctions and OFAC screening build and calibration
- Transaction monitoring optimization and tuning
- Regulatory exam and audit readiness support
- Sponsor bank representation and partner communication
- Board and executive compliance advisory
- FinCEN reporting, CTRs and Beneficial Ownership (CTA)
- Vendor-neutral compliance and audit software evaluation
What clients say
“The fractional CCO service provided exactly what we needed—senior-level expertise without the overhead. Joshua and his team integrated seamlessly with our operations and gave us the strategic guidance to grow safely.”
“Pillars helped us navigate a complex regulatory review with confidence. Their hands-on approach and deep understanding of fintech compliance made all the difference. Our program is now scalable and audit-ready.”
“From transaction monitoring optimization to KYC redesign, Pillars delivered measurable improvements. Alert quality is up, operational friction is down, and we're better prepared for regulatory exams.”
How it works
Send your details
Share your company type, products and where your compliance program stands today.
Discovery call
We talk through your risks, gaps, regulator or sponsor bank pressure, and what leadership support you need.
Scoped proposal
You get a clear engagement plan covering scope, cadence and priorities for your fractional CCO or BSA Officer.
Frequently asked questions
What does a fractional CCO actually do?
The role provides experienced compliance leadership, regulatory oversight and program accountability on demand. That can include owning AML and BSA program design, risk assessments, SAR and sanctions oversight, exam readiness and board reporting.
How much does outsourcing the CCO role cost?
Pricing depends on your scope, risk profile and how much time the role needs each month. Tell us about your business on the form and we will scope an engagement and quote for you.
Can you act as our BSA Officer too?
Yes. Pillars offers fractional BSA Officer services alongside fractional CCO support, including BSA program development, OFAC compliance and regulatory exam readiness.
Who do you work with?
Fintechs, payments companies and payment processors, banks, credit unions and other financial institutions, money services businesses, and NIL collectives and platforms.
Do you work outside Texas?
Yes. Pillars FinCrime Advisory is headquartered in Houston, Texas and serves clients nationwide across the United States. US regulation only.
Will you deal with our sponsor bank?
Yes. Sponsor bank representation is a core service, covering bank-ready compliance, regulatory alignment and partner communication.
Do you provide legal advice or staffing?
No. Pillars is a compliance consultancy. We do not provide legal representation, outsourced alert or KYC operations staffing, or statutory audits.
Get senior compliance leadership without the full-time hire
Tell us where your program stands and we will map out a fractional CCO or BSA Officer engagement that fits your risk and your budget.
- Senior compliance leadership without a full-time hire
- CAMS-certified, 12+ years in financial crime
- Covers BSA Officer duties, exams and sponsor banks
Prefer to talk? Call 281-825-1603