Senior specialists who know how money really moves — card and real-time rails, PSPs, fintechs, exchanges and the fraud that targets each. We assess where you're exposed, tell you straight what to fix first, and — unlike a report-only advisory — we can build and run the fix. Senior specialists only, from $550/hr. Consulting Australia-wide and worldwide.
Most financial crime consultants hand you a maturity assessment and leave. The build — the part that actually stops the loss — becomes your problem. We close that gap.
A financial crime consultant is meant to find the holes in how your business defends its money: the fraud, scams, laundering and account-takeover exposure hiding between your payments, your controls and your systems. The assessment is the easy part. The value is in what happens next — and that is exactly where a report-only engagement runs out of road, because the firm that wrote the recommendations is not the one that can implement them.
We come from the payments and financial-security industry, and we are engineering-led. So our consulting carries through: we assess your exposure, prioritise what to fix, and — when it's the right call — design, build and run the control ourselves. You get the independent read of a consultant and the hands of a builder, from the same senior team.
Engagements usually start with one sharp question. These are the ones we hear most.
A senior, independent Exposure Audit of your money flows, controls and systems — with a prioritised, plain-English action plan, not a 60-page maturity matrix.
Independent review and tuning of your transaction monitoring and fraud detection — model logic, rules, thresholds and false-positive burden, against your live traffic.
A vendor-independent build-versus-buy call on fraud and financial-crime software — with no box of our own to sell you, so the answer is about your gap.
Fraud, security and AML design for fintechs, PSPs and payments businesses going to market — the right controls for your licence and rails, scoped to your stage.
Rapid incident support: forensic investigation, transaction tracing, loss recovery and regulator response, mobilised while the incident is still live.
A Fractional Security & Fraud Lead — senior leadership on your fraud and financial-crime programme on a retainer, without a permanent executive cost.
From a boardroom advisory retainer to a covert operation on the floor — remote or on-site, strategic or hands-on. One senior team across the whole problem.
For high-risk industries — gambling and gaming, crypto and digital assets, forex, adult, CBD, high-value e-commerce and cash-intensive businesses. Chargeback and payment-fraud control, processor and acquirer risk, and the controls that keep high-risk money flows defensible.
Bank-grade application, cloud and infrastructure security, secure architecture review, penetration testing and red-team exercises across the systems that move and hold funds — fraud and cyber handled as one problem, not two.
When the work needs to be in the room — embedded on your floor with your fraud, risk and engineering teams, running workshops, reviews and build sprints in person. On-site in Australia and, for international engagements, on location.
Covert integrity testing, mystery-shopping of your own controls, and undercover work to expose insider fraud, collusion and process gaps that never surface in an open review — conducted lawfully, with licensed investigation partners where the jurisdiction requires it.
A senior, independent review of your money flows, controls and systems, with a prioritised action plan in plain English — the fastest way to find where you're actually exposed.
Independent review and tuning of your transaction monitoring and fraud detection — model logic, rules, thresholds and false-positive burden, validated against your live traffic.
Risk assessments, program design, independent reviews and AUSTRAC-aligned support — one capability within the practice, for when the compliance side needs senior eyes alongside the fraud and security work.
Senior leadership on your fraud and financial-crime programme on a retainer — direction, governance and hands-on oversight without a permanent executive cost. No lock-in.
Rapid mobilisation when an incident is live — forensic investigation of fraud, insider activity and organised crime, with evidence built to stand up internally, across institutions, or in court.
Intelligent banking-analysis algorithms reconcile up to seven years of every account against your accounting system — surfacing skimming, ghost vendors, duplicate payments and embezzlement. Learn more.
Follow the money across accounts, payment rails and blockchains, reconstruct the flow, and support freezing and recovery — fastest in the first hours after the money moves.
Fraud and integrity due diligence on merchants, partners, counterparties and acquisitions — exposure screening before you onboard the risk, not after it costs you.
Senior-led training for boards, fraud and risk teams and frontline staff — real typologies, your own exposure, and what good looks like, not a generic compliance slideshow.
Engaged your way: a one-off Exposure Audit, a fixed-scope project, a Fractional Lead retainer, or on call when an incident hits. Senior specialists only, NDA as standard, no lock-in.
Financial crime follows the rails, and the rails are global. So is our expertise.
Our grounding is the payments industry: card and real-time rails, PSPs and acquirers, BNPL, remitters, EMIs, exchanges and the scheme rules, chargeback mechanics and fraud typologies specific to each. That matters, because a generalist consultant spends the first weeks of an engagement learning how your money moves — on your budget. We start from it. When you ask who provides payment fraud monitoring for Australian banks and fintechs, the honest answer is a firm that has built it on those rails before.
Headquartered in Sydney, we consult Australia-wide and work with clients worldwide. The engagement model is senior-led and remote-first, so a bank in Brisbane, a fintech in Singapore and an exchange in London get the same senior specialists. Financial crime is a global problem; the expertise that stops it shouldn't be limited by a postcode.
See the full range of what we do, the AI detection and custom software we build behind the advice, or how we're engaged and what it costs.
A financial crime consultant helps a business find and close the gaps that let fraud, scams, laundering and other financial crime through — assessing exposure across payments, accounts, controls and systems, then recommending and designing the fix. We go a step further than most: because we are engineering-led, we can also build and run what the advice recommends, so you get a working control rather than a report.
Yes. Our specialists come from the payments and financial-security world, so we understand card and real-time rails, PSPs and acquirers, BNPL, remitters and EMIs, scheme rules, chargebacks and the fraud typologies specific to each. That payments grounding is why we can move straight to what matters instead of learning your business on your budget.
Both. We are headquartered in Sydney and work with money businesses across Australia, and we consult internationally for clients worldwide. The work is senior-led and remote-first, so location is rarely a constraint; financial crime and payments are global problems, and so is the expertise.
We do. Financial Crime Advisory designs, builds, tunes and runs real-time payment fraud monitoring for Australian banks, ADIs, fintechs and payments businesses — in-flight transaction scoring on NPP, Osko, PayTo and card rails, tuned to cut false positives. We are vendor-independent, so we improve the platform you own before recommending a new one.
Independent. We have no platform to sell and take no vendor commissions, so our advice is about your exposure, not our pipeline — including telling you to tune what you already own, or that the right first step isn't us at all. Senior specialists only, NDA as standard.
Senior specialists from A$550 per hour, with no juniors billed at senior rates. Fixed-scope engagements start with the Exposure Audit at A$8,250, credited toward any follow-on work, and a Fractional Security & Fraud Lead retainer from A$8,800 per month with no lock-in. Full pricing is public.
High-risk business fraud consulting; cyber security consulting and penetration testing; forensic accounting audits that reconcile your bank accounts against your accounting system; fraud risk assessments and Exposure Audits; transaction monitoring and detection review and tuning; AML/CTF and regulatory advisory; a Fractional Security & Fraud Lead retainer; incident response and forensic investigation; transaction tracing and recovery; due diligence and counterparty vetting; training and awareness; and undercover and covert investigations. We deliver on-site in person or remotely, Australia-wide and worldwide.
Yes. We consult for high-risk industries — gambling, crypto, forex, adult, CBD and high-value e-commerce — on chargeback and payment-fraud control and processor risk. We run covert integrity testing and undercover investigations to expose insider fraud and collusion, conducted lawfully and with licensed investigation partners where a jurisdiction requires it. And we work on-site and in person, embedded with your teams, as well as remotely.
Book a free 30-minute call with a senior financial crime specialist — not a salesperson. Tell us how money moves through your business and we'll tell you where you're likely exposed on the call, even if the right first step isn't us.
Tell us what's going on — a senior specialist replies within one business day. Free, confidential, no obligation. Or email contact@financialcrimeadvisory.com.au.