BSA / AML Compliance · Built by Practitioners

Your compliance program —
run by practitioners,
proven to your bank.

Compliance Command Center pairs an AI-native compliance engine with embedded compliance practitioners. From self-serve software to a fully embedded compliance officer, you choose how much we run — and we produce the examiner-ready evidence your sponsor bank and your next examiner will accept.

Self-serve software → CSM-assisted → Embedded officer
Request a program assessment See how the system works →
Rupture Labs — Gold fracture through chrome rings
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Your compliance program,
run by practitioners.

BSA/AML audits, risk assessments, gap-cost analysis, and the self-serve software, leveraged by a credentialed practitioner team. Leave your email and we'll set you up, or request a program assessment to talk to a practitioner now.

No spam. Prefer to talk first? Request a program assessment above.

What We Build

What you can buy

A compliance program you can run yourself, co-run with a practitioner, or hand to an embedded officer. Plus the founder tool we built first.

CCC
Compliance Command Center

Your BSA/AML compliance program, software-leveraged. Score your program against controls calibrated from real enforcement actions, get gaps priced in dollars, and stay current on regulatory change — then choose how much we run, up to a fully embedded compliance officer who represents the program to your sponsor bank and examiner.

Flagship · BSA/AML compliance platform
FounderLedger
FounderLedger

Equity and labor tracking for co-founder teams. Logs hours, calculates deferred compensation at market rates, models payment waterfall distributions, and generates tax-ready summaries.

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How You Work With Us

You choose how much we run

We don't sell you software and walk away. CCC ships as software you run and as a credentialed practitioner who runs it with you — an embedded compliance officer (JD, CAMS, multi-bank BaaS experience) backed by an engine that keeps your program current and examiner-ready continuously. The officer that stays when your people leave.

Tier 1 · Self-serve
Self-serve software

For fintechs and small compliance teams that have the people to operate a tool but want enforcement-calibrated scoring, dollar-priced gaps, and regulatory monitoring they don't have to build.

You run the engine. Score your program's design against a control library calibrated from real enforcement actions, get gaps priced in dollars, and stay current on regulatory change. Value in ~30 days, no procurement.

Tier 2 · Co-run
CSM-assisted

For teams that want the engine but need a practitioner to co-run it — interpret findings, drive the remediation roadmap, and prep for a sponsor-bank review without a full in-house BSA/AML function.

We co-run it with you. A compliance CSM operates the platform alongside your team: produces the risk assessment and intel report, sequences remediation, maintains examiner-readiness, and delivers a monthly practitioner-curated digest.

Tier 3 · Embedded
Embedded officer — your outsourced compliance officer

For BaaS fintechs under sponsor-bank oversight that must prove a defensible program to the bank and a future examiner but lack a full in-house BSA/AML department.

CCC becomes your compliance function. A credentialed practitioner (JD/CAMS, multi-bank BaaS experience) embeds with your team, runs your FFIEC Pillar-3 independent testing, builds your issue-management and governance structure, and represents the program to your sponsor bank and examiner — backed by the engine.

The embedded model is continuous, not a slide deck. Five practitioner agents run alongside the officer: the Assessor scores your program's design, the Pricer prices the gaps in dollars, the Watcher rescans regulations monthly, the Planner updates the remediation roadmap, and the Recorder keeps a standing evidence chain an examiner can independently verify.

The embedded tier is practitioner-led: Andres and a vetted bench of JD/CAMS practitioners, software-leveraged, with a human in the loop on every deliverable. That human accountability is the differentiator.

Why We Exist

"Compliance programs break two predictable ways: build it in-house and the logic stays trapped in people; buy a vendor tool and you're still short a compliance officer. CCC is the synthesis."

Internally built compliance systems start with the right intention. They are shaped by subject matter experts who understand the work. But those same experts are operators first — solving today's problems under pressure. They don't have time to translate complexity into scalable systems. What gets built is fragmented: one-off tools, disconnected workflows, logic trapped in people instead of systems. When those people leave, the systems decay.

Vendor platforms fail differently. They're engineered without operational context — built to solve abstracted versions of real problems. You shouldn't have to finish building your vendor's product, then operate it yourself while still short a compliance officer. Best case, partially useful and constantly frustrating. Worst case, shelfware.

In Kintsugi (金継ぎ), broken pottery is repaired with gold. The fracture is not hidden — it becomes the most valuable part of the object. Rupture Labs exists to do the same for compliance systems. We don't build around the fractures between teams, tools, and workflows. We build through them. Stronger at every break point.

Founded in San Francisco, 2026.

For Fintechs & The Banks That Sponsor Them

Whichever side of the table you sit on

A bank can't delegate BSA/AML, but it must oversee every fintech partner's program. A fintech must prove its program is defensible — to its sponsor bank, and to the examiner who eventually arrives. We speak to both, in the post-Synapse, post-Blue-Ridge, OCC third-party-risk reality of 2026.

If you're a fintech

Post-Synapse, you have to prove your program is defensible to your sponsor bank and a future examiner — often without a full in-house BSA/AML department. We make it defensible and produce the independent-testing evidence your bank demands.

If you're a sponsor bank

You can't delegate BSA/AML, but you must oversee every fintech partner's program. We give you defensible, continuously-maintained oversight evidence on every partner — not a once-a-year snapshot.

Built by a practitioner with enterprise compliance experience across multi-bank BaaS partnerships — the person who has sat in both seats.

Independent Testing Your Bank Can Rely On

The evidence your sponsor bank demands

Independent BSA/AML testing that satisfies FFIEC Pillar 3 — control walkthroughs, sample testing, a findings register, and an audit-committee opinion. Practitioner-led and software-leveraged: the same engine that scores your program produces the workpapers and supports the attestation. This is the artifact your sponsor bank demands that you produce.

BSA/AML Audit

Independent testing across the four pillars — walkthroughs, sample testing, and a findings register an examiner can follow.

Risk Assessment with Scoring

Your program's design scored against controls calibrated from real enforcement actions — defensible, not opinion.

Gap Cost Analysis

Every gap priced in dollars of exposure, not a heat-map color — so remediation gets sequenced by what it's worth.

Audit Prep

An examiner-readiness package: a standing evidence chain assembled so your program is ready before the exam letter arrives.

Andres has taken a fintech program from 11 findings to 3 — and cashed that out as the independent-testing authority that defends a program to its sponsor bank and examiner, not just an internal cleanup. Today these deliveries are practitioner-led; the audit engine that backs them is built and wired, with automated attestation gated behind tester credentialing.

The Team

Not consultants who leave you a stale deck

Practitioners who embed, backed by software that keeps you examiner-ready continuously. When the software isn't enough, Andres and a vetted bench of JD/CAMS practitioners embed with your team — running your independent testing, building your issue-management structure, and sitting across the table from your sponsor bank and your examiner.

Andres Garcia Sr.
Andres Garcia Sr.
Founder & CEO
Meet the team →
Our Standards

"We're not for everyone. If you're looking for a tool to check a box, we'll tell you."

We turn away engagements where there's no genuine will to run a real program. We flag consent-order-culture shelfware up front, and we never claim to replace your MLRO. We say what we do plainly and we put a human behind every deliverable. The standard is the point.

Talk To A Practitioner

Request a program assessment

A conversation with a practitioner — no live-demo pressure. We'll read your program where it stands, tell you whether we're the right fit, and show you what an examiner-ready program looks like from here.

Practitioner-led engagements plus self-serve software, leveraged by a practitioner team. Get started.