Founded in 2022, Dromos provides risk and compliance leadership to fintech and technology companies in Silicon Valley and nationwide. Our partners serve as forward-deployed Chief Risk & Compliance Officers for companies ranging from seed-stage startups to scaling enterprises, across payments, deposits, lending, mortgages, digital assets and AI. We step in as your CRO and CCO, using AI to do in days what used to take weeks, with senior judgment on every decision. We set strategy, build the program, and run it, so you get through bank, investor and regulator diligence.
Based in Palo Alto, in the heart of Silicon Valley, we understand both how startups build and how regulators think. We move at startup speed and build programs that hold up when the bank, the investor or the examiner asks.
Talk to usSee what we doDone right, compliance isn't a brake. It's how you win your partner bank, close your round and launch ahead of competitors. We build compliance into your product and operations from day one, find the path to yes, and turn regulatory strength into a reason customers, banks and investors choose you.
Everything a regulated company needs to launch, partner with banks and scale, delivered by your own Chief Risk & Compliance Officer, not another advisor.
Risk taxonomy, appetite and tolerances, enterprise risk assessments, a central risk register, KRIs and board reporting, aligned to COSO ERM and ISO 31000.
Financial crimes (BSA/AML, OFAC), consumer protection, privacy and security, vendor management and code of conduct, built from inception and tested.
AI inventories, risk tiering and assessments, and controls for AI agents, aligned to the NIST AI RMF, the EU AI Act and ISO/IEC 42001.
Sponsor-bank diligence, licensing, exam preparation and remediation, so deals and launches don't stall in review.
We build compliance for the products fintech and technology companies launch, whether you offer them directly or through a partner bank.
P2P and wallets, bill pay, payouts, cross-border payments and stablecoins: money transmission licensing, EFTA/Reg E, error resolution and disputes.
Checking and savings, debit and prepaid cards, and banking-as-a-service programs: account-opening disclosures, Reg DD, Reg E, FDIC insurance messaging and sponsor-bank oversight.
Personal and small-business loans, credit cards, credit builders and BNPL: TILA/Reg Z, ECOA and fair lending, FCRA, state lending licenses, servicing and collections.
Origination, servicing and investor lending: RESPA, TILA and TRID, HMDA, fair lending and state mortgage licensing.
Every Dromos partner is a senior risk and compliance executive who has run the function inside a bank, a global technology company or a high-growth fintech. You get an officer, not a team of junior consultants.
A named Chief Risk & Compliance Officer, part time, accountable to your board, for as long as you need one.
Full-time leadership through a gap, an exam, a consent order or a transition to a permanent hire.
Independent risk and compliance perspective for boards, audit and risk committees, and investors.
Bank-ready programs, ERM frameworks and AI governance, scoped and delivered on a fixed timeline.
Hiring, coaching and developing your in-house risk and compliance team so the function outlasts our engagement.
If you want your Dromos CRO/CCO to join full time, we can make that transition, or help you recruit the right permanent leader.
Most clients reach us at a moment when the stakes, and the scrutiny, go up.
We're not advisors on the sidelines. A senior Dromos executive embeds with your leadership team as your CRO and CCO, chairs your risk and compliance committee, reports to your board, and owns the program from strategy to execution, using AI to move faster and see more.
We use AI to accelerate drafting, analysis, monitoring and evidence gathering, so you get senior-level work at a speed and coverage a traditional approach can't match.
Senior risk and compliance leaders review and sign off on every output. AI is a tool we use; the judgment, the work and the accountability are ours.
Plain-English guidance that turns complex regulation into decisions.
Programs that pass diligence and exams, not paper policies.
Embedded with your team, enabling growth rather than blocking it.
Dromos provides forward-deployed and interim Chief Risk & Compliance Officers, compliance program builds, bank and regulator readiness, AI governance, and board and committee advisory. Our partners bring more than 20 years of risk and compliance leadership at a top U.S. bank, global technology companies and venture-backed fintechs, with the independence and objective judgment that regulators, partner banks and investors expect.
Dromos combines this experience with a modern, technology-enabled approach. We use AI to accelerate drafting, analysis, monitoring and evidence gathering, with clear governance and senior human sign-off on every decision.
Throughout their careers, Dromos partners have managed compliance across 51 countries, overseen 179 money transmitter and lending licenses in all 50 states, led federal and state regulatory exams, implemented three enterprise GRC platforms, and helped fintechs launch new products with their partner banks' approval. We advise clients on compliance program design, new products and market expansion, regulatory change, licensing, partner-bank relationships, exams and remediation, and AI risk.
Δ is the first letter of dromos, Greek for "the road." Our logo is the road ahead: in math, Δ means change; in finance, it measures risk. Dromos clears the road so your company can grow, scale and take off on a course that holds.
Dromos is not a staffing or consulting firm. It's a partnership of senior executives who have run risk and compliance inside banks, global technology companies and high-growth fintechs, and who now serve clients as their Chief Risk & Compliance Officers.
Typically 15–20+ years leading risk and compliance, regulator and sponsor-bank relationships, board-level reporting, and a track record of building programs from the ground up.
Are you a seasoned CRO, CCO or risk leader who wants to practice independently, with a collegial firm behind you, using AI to do in days what used to take weeks? Let's talk.
Tell us where you're headed. We'll tell you what it takes to get there, and how fast we can build it.
Book a complimentary consultation