Fintech controller
Greywood CPA provides controller-level accounting for fintech companies: a monthly close that reconciles processors, banks and customer funds, revenue by stream, and the regulatory reporting your licenses require. We work at a fixed monthly fee.
Licensed money transmitters typically file quarterly reports through NMLS and must keep net worth and permissible investments above each state's minimum. We keep those numbers current every month so a regulator or bank partner request never turns into a scramble. For audit clients, this work is done by a separate team so the audit stays independent.
Last reviewed: November 2026
| Report | What it tells you |
|---|---|
| Revenue and take rate by product | Where margin comes from |
| Loss rates and reserve coverage | Fraud and credit risk trends |
| Cash and customer fund position | Liquidity and safeguarding |
| Burn and runway | How long current cash lasts |
Fintech books often depend on exports from processors and internal databases. We set up repeatable reconciliations from those sources, so the general ledger matches transaction data every month.
Accounts, flows, licenses and reporting calendar.
Monthly scope and fee.
Reconciliations, policies and reporting templates.
Statements, reconciliations and regulatory data on schedule.
Typically quarterly money services business call reports through NMLS, annual audited financial statements and license renewal filings, plus state-specific reports.
Yes. We build repeatable reconciliations from processor exports and bank data so the general ledger matches transaction-level records every month.
Yes. We calculate them monthly against each licensing state's requirement so you see a shortfall before a regulator does.
Independence rules limit this. For audit clients, a separate team does the accounting and we confirm up front what we can provide.
A fixed monthly fee based on entities, accounts, transaction volume and regulatory reporting.
Tell us about your licenses and accounts. A senior CPA will send a fixed-fee proposal within 1–3 business days.