Growing scrutiny of bank-fintech partnerships have pushed more fintechs to consider getting their own bank charter. For companies already committed to that path, or newly chartered, the challenge is execution: building the governance, staffing, fraud, AML, and compliance foundations a bank regulator expects, not the lighter program a sponsor bank once carried for you.
Oscilar, FS Vector's Evey Guo, and FTI Consulting's Syed Raza will walk through what it takes to get chartered and stay in good standing: how to choose the right charter type, what regulators expect on governance and staffing before and after filing, why legacy AML and fraud tooling doesn't transfer to a chartered model, and what ongoing examination looks like once you're open. We'll also cover the top considerations for fintechs still deciding whether the charter path is right for them.
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Participants
Saurabh Bajaj
Chief Product Officer
Oscilar
For nearly two decades, Saurabh has built and scaled AI-powered risk platforms for banks, fintechs, merchants, governments, and disruptive financial institutions. From stopping scams and account takeovers to modernizing AML, fraud, and credit infrastructure, he has helped the world’s most complex financial ecosystems transform operations with AI—and now GenAI.
Phil Goldfeder
Chief Executive Officer
American Fintech Council
With nearly two decades of experience at the intersection of the public and private sectors, Phil Goldfeder currently serves as CEO of the American Fintech Council (AFC), a leading industry association representing responsible fintech companies creating critical access to safe and affordable financial services. AFC, comprised of the nation’s largest fintech companies, fosters innovative, transparent, and responsible products that promote competition, consumer protection, and financial health, inclusion, and equity. AFC is committed to robust industry standards, with a focus on consumer protection and regulatory compliance, in addition to advocating for and embracing appropriate government regulation.
Evey Guo
Principal
FS Vector
Evey is a Principal in FS Vector’s Advisory practice specializing in bank and trust company chartering, with experience guiding fintechs and financial institutions through charter strategy, applications, regulatory engagement, and bank launches. Her expertise spans national trust bank, ILC, and state innovation and payments charters, as well as governance, compliance, and regulatory matters across fintech, payments, BaaS, digital assets, and AI-driven financial services. Previously a Principal at Promontory Financial Group, Evey holds a master’s degree in finance from the University of Maryland and a bachelor’s degree in finance from Nankai University.
Syed Raza
Managing Director
FTI Consulting
Syed Raza is a Managing Director in FTI Consulting’s Financial Services practice with more than 30 years of banking, regulatory, risk management, compliance, and advisory experience. A former OCC regulator, he specializes in de novo banking and charter advisory, helping organizing groups, fintechs, and financial institutions navigate charter strategy, applications, regulatory readiness, governance, risk and compliance frameworks, and pre-opening requirements. Prior to FTI, Syed held senior roles at the OCC, PwC, Citibank, Capital One, and Texas Capital Bank, bringing a unique perspective on translating regulatory expectations into practical requirements for newly chartered and established financial institutions.
More speakers will be announced soon.