Launch-ready cyprus fintech compliance pack

This pack includes fully editable, reusable templates for:

l AML & KYC Policy Template (aligned with Cyprus AML expectations)

l Internal Audit Checklist (practical, execution-focused)

l Vendor Due Diligence Template (risk + compliance coverage)

l Risk Assessment Framework (editable scoring + governance structure)

l CySEC Expectations

l Licensing Guide

l MOKAS Reporting

l 7-day submission roadmap (“submission sprint” framework)

l Full Business Plan (Regulator Format)

l Year Financial Projections (Excel sheet)

l AML Risk Scoring Matrix

l Outsourcing Policy (Critical for fintech)

l Draft Application Responses

Learn how to:

- Break down how to position correctly between CIF (investment activity, brokerage, trading) and EMI / PI (payments, wallets, transfers)

- Understand real-world regulator expectations (not theory)

- Focus on Internal escalation flow (staff → MLRO), SAR quality (not just submission), and Audit trail + defensibility

- Provide a coherent structure and defensible risk logic with no obvious compliance gaps

Structure the way reviewers at the Cyprus Securities and Exchange Commission expect, including:

l Clear business model + revenue logic

l Governance + MLRO positioning

l Embedded compliance narrative (not bolted on)

l Operational + outsourcing transparency

- Cover what regulators actually probe:

l Critical vs non-critical outsourcing classification

l Vendor due diligence depth

l Monitoring + exit strategy (often overlooked but heavily scrutinized)

Straight talk, this enables new fintech startups in Cyprus:

l A complete submission narrative

l Core policies + frameworks

l Supporting financial + risk logic

l Draft regulatory answers