Our Services Include:

Regulatory Examination Readiness

Prepare ISOs, PayFacs, merchants, and acquiring programs for regulatory audits and examinations.

Third-Party Oversight Reviews

Independent assessment of operational maturity, risk management practices, and alignment with sponsor bank expectations and applicable card brand requirements.

Commercial and Operational Due Diligence

Evaluate capabilities of prospective providers.

Fractional Role Responsibility

Initial 6-month term, with flexibility to adjust based on workload and evolving needs.

Operational and Risk Reviews

Enhance regulatory adherence. Identify strengths and opportunities. Receive actionable insight. Ensure your business operates within established policies and protocols while identifying and addressing potential issues with tailored solutions.

Deliverables:

  • Card Brand & Regulatory Oversight Compliance Review

  • Risk Assessment 

  • Funds Flow Mapping

  • Current State Assessment

  • Gap Analysis

  • BSA / AML Audit

  • NACHA Audit

  • Prioritized Recommendations

  • Initial Remediation Roadmap

  • Policy and Procedure Assessment

  • Enhanced Policy Documentation

  • Operational Control Recommendations

  • Executive Summary of Risk Posture and Compliance Maturity

  • Ongoing Advisory Guidance

Whether launching a new program or enhancing an existing one, Rebeta Consultants offers the strategic insight and hands-on support needed to navigate the complex acquiring ecosystem.

  • "I have seen Marlena in action on risk matters, compliance matters, partner relationship matters, and product development matters. I always enjoy working with Marlena because she brings deep knowledge, enthusiasm for a winning solution, and a committed effort throughout."

    —Former Client

  • "Marlena is an extremely knowledgeable and collaborative colleague to our Compliance Programs team. Her depth of knowledge and expertise in many areas, especially payouts, was of tremendous value to the organization."

    —Former Client

  • "Marlena is professional, prepared, action-oriented, and openminded to finding the appropriate solution for the cause!"

    —Former Client

  • "Marlena surfaces issues and brainstorms solutions that leads to wins, improves the integrity of our products and services and invites the introspection and change we need to innovate and compete. Marlena is always bringing impressive knowledge and thinking to the table - issue spotting and resolving the issues no one else has the courage to tackle."

    —Former Client

  • "Marlena always leads with integrity."

    —Former Client

  • "Marlena is a solver - a trait that should be coveted, but tends to be rare within any organization is drilling into problem statements for detailed information before acting. This approach allows the right questions to be asked and thus the correct conclusions or action items to surface. This approach minimizes 'churn' or the tendency to explore dead end paths.'

    —Former Client

  • "Marlena gets things done owing to her strengths - a keen attention to details, high work ethics, deep technical know how, affable personality and a "can do" attitude. "

    —Former Client

  • "Marlena was extremely knowledgeable and helpful with our efforts to coordinate processes, understand risk, and map funds through our regulatory program build."

    —Former Client