Fractional Chief Compliance Officer Services: 8 Providers Compared

Founder Laurie P. Roberts was previously chief compliance officer of Civitas Capital Group, says she acted as CCO of broker-dealers she co-founded, and holds FINRA Series 7, 24, 27, 63 and 79 licenses. The site also quotes Robert Wang, chief executive of Diamond Tech, saying the firm "helped our company get back on track," without describing the work.

The Dallas firm says it specializes in fractional CCO services and in support services for CCOs. It lists what its CCOs do when they serve as yours: learn the business, review the compliance requirements and manual, prepare a risk assessment, run and test the program, oversee high-risk areas and service providers, and prepare the annual review report. It also offers fractional supervisory and FINOP principals, mock audits and marketing reviews.

Liz Davis, founding partner and COO/CFO of Melius Research, says CRC built the firm's compliance framework from the ground up, including its registration as an investment adviser, and has worked with it since its founding. Noah Buck, president of TruePlan Benefit and Retirement Advisors, describes six years of the firm "driving our compliance process", and the homepage quotes the deputy general counsel of Altruist.

For investment advisers that need a designated CCO before a full-time hire, CRC Oyster provides "a senior professional named on your Form ADV." Engagements can also be project-based, on retainer or full-program management, and the firm serves broker-dealers, fintech and digital asset firms, family offices and futures firms. Compliance Risk Concepts was founded in 2013 and acquired Oyster Consulting in June 2025; the combined firm describes its consultants as former CCOs, regulators and compliance executives and reports more than 100 senior professionals and hundreds of firms served (opens in a new tab).

Fraxtional's testimonials (opens in a new tab) identify clients by their role and company type. A crypto firm's CEO writes, "I never anticipated hiring a fractional Chief Compliance Officer over a full-time executive." A Series B fintech's CEO says the company chose a fractional resource over a full-time BSA officer and was given a director who supported its talks with a new sponsor bank.

The firm places a dedicated director as your named CCO, BSA officer, chief AML officer or MLRO, from a few hours a week to full coverage, and offers a hand-over if you later hire in-house. Its fractional model is a monthly retainer for a director "with full use of name and likeness"; it also sells one-off projects such as audits and sponsor-bank introductions. It works from offices in Buffalo, New York and Hamilton, Ontario, and its about page (opens in a new tab) says founder Ryan Cimo, formerly head of anti-money laundering investigations at M&T Bank, personally serves as CCO and BSA/AML officer for clients.

Buckzy's head of global KYC compliance, Rabeeya Siddiqui, writes about working with founder Chris Gunias "as our BSA Officer at Buckzy." Other testimonials on the page cover annual compliance training for Ping Pong, and a Canadian AML consultancy calls Heritage its "go-to consultancy" for US BSA questions.

Heritage offers fractional compliance officer support to money services businesses that need a BSA officer or CCO but "don't have the budget or need for a full time CCO." It also runs independent audits, risk assessments, state licensing for money services businesses and BSA/AML training. The firm was founded in 2020; Gunias has held the Certified Anti-Money Laundering Specialist credential since 2007.

UGR is the only provider in this guide with published prices on the pages read. No client, case study or testimonial appeared on the pages read; its media page lists recognitions, such as a place on Banking CIO Outlook's list of top KYC solution providers, which say nothing about a client engagement.

The Princeton firm offers a fractional CCO for fintechs, payment companies, digital asset firms and healthcare payment companies, covering AML/BSA oversight, governance, policies, regulatory readiness and sponsor-bank support. The Essential plan adds risk assessment support and sponsor-bank readiness; Enterprise adds audit preparation, team mentoring and vendor and technology evaluations.

IUVO's founder, Dr. Rhonda Thompson Alexander, reports a track record of clearing nearly 100 medical devices and advising thousands of companies. The pages read name no clients and do not say how many of those engagements were CCO roles.

The fractional CCO service covers oversight of FDA compliance programs, policies and procedures, risk assessment, staff training, and preparation and support for FDA audits and inspections, on a part-time or per-project basis. The firm describes its other work, such as 510(k) and De Novo submissions and facility registration, as flat-rate and project-based.

The New Jersey firm's outsourced CCOs run compliance assessments, design training, maintain policies, handle regulatory audits and internal investigations, and set up risk-based monitoring and auditing. No named client, case study or testimonial appeared on the pages read. Its healthcare staffing page offers interim chief compliance officers, privacy officers and audit specialists for transitions, growth or investigations, and it sells outsourced privacy and security services separately.

Two compliance chiefs in the receivables industry vouch for its project work: Velocity Portfolio Group's CCO, Susan Namm, cites several projects, and Afni's former CCO describes an enhanced service provider oversight program and training it designed. Both testimonials describe projects; neither mentions a fractional CCO engagement.

ARMCBS says it serves as outsourced compliance for small to midsize collection agencies, either as a fractional CCO or while a client develops an internal CCO. Its FAQ says some companies use it temporarily during that development or transition and others keep it on for ongoing oversight. It is also an authorized RMAI certification audit provider and runs risk assessments.