Compliance & Licensing
Meridian operates within regulatory frameworks in every market it serves — holding the licenses, registrations, and controls that institutional partners require.
Our Compliance Posture
Meridian is a financial technology company, not a bank. It holds relevant licenses and registrations and operates under regulatory oversight in every market its technology serves.
Our compliance infrastructure is built to match the standards our institutional partners are held to. Every product, every rail, and every market operates under the same rigorous compliance framework — there are no light-touch markets or reduced-standard corridors.
We work closely with our partner banks and regulators to ensure that Meridian's infrastructure meets or exceeds applicable requirements at all times.
Licenses & Registrations
FinCEN MSB
Registered Money Services Business with the Financial Crimes Enforcement Network, United States Department of the Treasury.
Florida OFR
Licensed Money Transmitter under the Florida Office of Financial Regulation, State of Florida.
BSP OPS
Registered Operator of Payment System with Bangko Sentral ng Pilipinas, the central bank of the Philippines.
Compliance Framework
Every element of Meridian's compliance program is designed to meet the requirements of regulated financial institutions.
Comprehensive anti-money laundering and know-your-customer program covering all products and markets.
Real-time screening of all transactions against sanctions lists, PEP databases, and adverse media.
Full compliance with Office of Foreign Assets Control sanctions requirements across all jurisdictions.
Automated reporting to FinCEN, BSP, and other relevant regulators in every market we serve.
Compliance with Regulation E and NACHA rules for consumer transactions processed through Meridian's infrastructure.
Data handling compliant with applicable privacy regulations including GDPR and relevant local frameworks.
Audit & Oversight
Meridian's compliance program is subject to independent audits, regulatory examinations, and ongoing internal review. We maintain SOC 2 readiness and conduct regular third-party assessments of our controls and procedures.
Our infrastructure is examined by relevant regulators including FinCEN and BSP. We cooperate fully with all regulatory examinations and respond promptly to any findings.
Internal compliance review is continuous. Our compliance team monitors all products, markets, and partners on an ongoing basis — not just at examination time.
Important Disclosure
Meridian is a financial technology company and not a bank. Banking services are provided by Meridian's partner banks, which are FDIC-insured institutions.
Compliance Team
Our compliance team is available to discuss regulatory requirements, licensing, and Meridian's compliance framework with prospective and current partners.
Reach us at compliance@mnai.com
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