Third-party Risk Management from Onboarding through ongoing oversight
Build your assessment template, request the data, and let Oversight-AI turn it into a decision-ready report.
Run Every Type of Risk Assessment the Same Structured Way.
Build your own risk assessment framework from the ground up, or start from a ready-made template — matched to the partner type you're assessing.
Send structured RFIs generated directly from your template — deduplicated, trackable, and linked to the exact risk indicator, not a generic questionnaire.
Oversight-AI reads every document and data point, and synthesizes the findings against your risk rules.
Oversight-AI drafts observations, scores each indicator, and produces a comprehensive draft risk report.
Review the draft, approve it — with conditions if needed — and keep a full record of the decision.
Schedule the next periodic review, so nothing falls through the cracks.
Manage High-Risk Third-Party Relationships
Oversight-AI is built to assess the third-party types below — helping your program meet FDIC, FFIEC, OCC, and NCUA expectations.
FinTech and BaaS Partners
Banking-as-a-service partnerships, neobanks, and prepaid card program managers all extend your charter to a partner's tech stack, cardholders, and fund pools — triggering continuous audit and validation requirements.
BaaS · FintechMoney Services Businesses (MSBs)
Money transmitters, foreign exchange operators, and check cashers move high volumes of cross-border or cash-to-paper funds daily, placing them squarely in FinCEN's highest-risk category.
FinCEN · MSBHigh-Risk Merchants and Gateways
Payment service providers, online gambling platforms, and adult entertainment merchants process aggregated or high-chargeback transactions that obscure the true underlying party and jurisdiction.
PSP · High-Risk MerchantForeign Financial Entities
Correspondent banks, foreign shell banks, and offshore wealth managers carry the deepest AML exposure — from unreviewed foreign controls to beneficial-ownership concealment and tax evasion risk.
BSA/AML · CorrespondentCash-Intensive Gateways
Privately owned ATMs and crypto asset exchanges move cash and digital value with limited transaction trails, requiring continuous monitoring beyond a standard onboarding check.
Cash-Intensive · CryptoNon-Governmental Organizations & Charities
Charitable and non-profit partners often operate with informal record-keeping and cross-border fund flows, a combination regulators flag for potential misuse or terrorist financing exposure.
NGO · Charity RiskEmpowering Compliance and Risk Teams.
Framework
Build your own risk assessment framework from the ground up — or start from a ready-made template. Either way, you're live on the platform without waiting on us.
- Define your own data requirements and risk indicators — scoring methodology, risk appetite, and risk bands included
- Combine them into reusable Assessment Templates you can draft, edit, and publish
- Move from a published framework straight into launching an assessment, without leaving the platform
Third-Party Profile
One profile per partner, covering everything tied to the relationship — not just who they are, but the full record of working with them.
- Full assessment history in one place
- Centralized document repository
- Program configuration and approval records
RFI & Document Collection
Collect documents and data from third parties, without the endless email back-and-forth — every request generated from your template and tracked to completion.
- RFIs generated directly from your assessment template, linked to the exact risk indicator — not a generic questionnaire
- Automatic deduplication, so third parties are never asked for the same item twice
- A guided response experience with auto-save, multi-file upload, and resubmission flags
- Every document lands in a searchable, tagged repository linked to the assessment
Assessment
Run the assessment from template to collaboration, without leaving the platform.
- Assign the right template to the third party
- Track completion status and progress at a glance
- Collaborate with the third party and your internal team in one thread
Oversight-AI
The core of the platform — Oversight-AI takes on the most human-intensive work.
- Reads the documents and data, and synthesizes the findings
- Drafts observations and scores each indicator against your risk rules
- Produces a comprehensive draft risk report
One Report. Every Risk Area, Every Recommendation, Fully Traceable.
Every assessment generates the same structured report — executive summary, risk-area summaries, detailed observations, and a quantified risk rating, with a full audit trail.
At-a-glance view
A concise, decision-ready summary that highlights key risks, overall posture, and critical findings — leadership knows what matters in minutes.
- Board & risk committee-friendly
- Examiner-safe
- No interpretation required
Clear & comparable
Structured summaries across 14+ risk areas — Regulatory Compliance, BSA/AML/OFAC, Financial, InfoSec, Operational — giving reviewers a complete, consistent view.
- Easy comparison across partners
- 14+ standardized risk areas
- Aligned to OCC / FFIEC
Fully traceable
Granular observations per indicator with supporting evidence, source references, and analyst review notes — full traceability and audit confidence.
- Examiner-ready documentation
- Strong audit trail
- Human-in-the-loop accountability
Management conclusion
Precise risk summary and recommendations alongside a quantified risk rating — to assist decision-making and follow-up actions.
- Overall risk rating with rationale
- Key issues for management attention
- Recommended risk mitigation
Frequently Asked Questions
If you don't see your question answered here, our team is one call away. We work with first-time fintech sponsors and seasoned BaaS banks alike.
See how Across delivers decision-ready risk assessments.
Designed to empower your compliance team and keep you exam-ready at every stage.