Centralize dispute management and enforce compliance across all programs and customer touchpoints. Quavo’s compliance-first platform empowers sponsor banks to reduce regulatory risk and maintain oversight at scale.
Compliance remains the #1 barrier to scaling embedded finance. Sponsor banks are tasked with maintaining a complete compliance management system across a growing network of fintech partners—each operating within dynamic and often complex regulatory environments. Without effective risk management tools, visibility diminishes, and gaps in oversight emerge. The cost of these control failures can quickly escalate, ranging from hundreds of thousands to millions. Without the right tools, visibility is limited and the cost of control failures can range from hundreds of thousands to millions.
Compliance challenges sponsor banks face include:
Juggling oversight across multiple partners and jurisdictions makes consistent, enterprise-wide compliance a constant challenge.
Rapid fintech innovation demands real-time updates to risk and compliance frameworks—many sponsor banks struggle to keep pace.
Without centralized access to systems or reporting, it’s difficult to assess partner compliance and take fast, corrective action when needed.
Whether you’re supporting your first partner or your fiftieth, our solution flexes with your growth. QFD® enables the third-party risk management that sponsor institutions need at scale, from API-driven integrations to volume-based pricing, ensuring every partner operates within your compliance framework from day one.
QFD® enables fast, API-driven onboarding for fintech partners by supporting pre-configured workflows, customizable fields, and seamless integrations with core and third-party systems. This reduces setup time and ensures new partners are operational with minimal lift.
Built with compliance at the core, QFD® allows sponsor banks to tailor rule sets, thresholds, and review logic for each program or partner. This ensures adherence to both internal policies and evolving regulatory requirements without relying on one-size-fits-all logic.
QFD® provides role-based dashboards and audit logs that deliver real-time visibility into claim statuses, partner activity, agent performance, and compliance alerts—helping banks monitor program health and make faster, data-backed decisions.
With built-in logic for Reg E, Reg Z, network rules, and global dispute types, QFD® accommodates varying regulatory standards and timeframes across jurisdictions. Sponsor banks can manage compliance consistently across geographies while maintaining program-specific nuances.
Simplify oversight and reduce risk with a single platform designed for end-to-end program management across all your partners.
AI-driven automation streamlines workflows, accelerates resolution times, and delivers a seamless, digital-first experience to cardholders.
Monitor partner performance and compliance health in real time with advanced analytics and customizable reporting tools.
Easily integrate with popular and bespoke core banking systems, online banking platforms, and both Visa and Mastercard for a unified, enterprise-grade solution.
Fintech clients of sponsor banks rarely have in-house expertise in fraud and dispute resolution. That’s where our Dispute Resolution Experts (DRE™) come in. This optional managed service provides your program with industry-leading support backed by over 80 years of combined experience.
When paired with QFD®, DRE™ ensures regulatory compliance and alignment with card network rules, delivering best-in-class dispute handling. It’s a turnkey solution designed to give both you and your Fintech partners peace of mind.
A sponsor bank compliance platform centralizes oversight and enforcement of regulatory requirements across a sponsor bank’s fintech partner portfolio. It provides configurable compliance frameworks, real-time monitoring dashboards, audit trails, and automated dispute management, thus ensuring consistent regulatory adherence across every program and jurisdiction.
Fintechs operating under a sponsor bank’s charter are subject to the bank’s regulatory obligations. A compliance platform ensures dispute management, consumer protection requirements (Reg E, Reg Z), and card network rules are consistently applied across all fintech programs, protecting both the sponsor bank and its fintech partners from regulatory exposure.
Multi-program management dashboards, configurable compliance rule sets per partner, real-time monitoring and alerts, automated dispute workflows with built-in regulatory timelines, audit logs, cross-jurisdictional compliance support, and core banking integrations.
Missed dispute timelines, inconsistent policy application across fintech partners, limited partner-level compliance visibility, inadequate audit documentation, and exposure to CFPB enforcement actions. Quavo’s platform addresses all five through automation, centralized dashboards, and built-in compliance guardrails.
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