Compliance built for how fintech actually works.
Helping fintech and digital asset companies build programs that are practical, defensible, and proportionate — not over-engineered for a business model that doesn't fit yours.
I'm David Spack, an independent compliance consultant with senior experience at the intersection of financial services, crypto, and technology.
I've served as Chief Compliance Officer at BlockFi and VP of Compliance and Enterprise Risk at FanDuel, and I've spent the last several years helping growth-stage companies navigate the compliance challenges that come with building something new in a regulated space.
I work directly with founders, legal counsel, and operations teams — not through layers of junior staff — so you get experienced judgment on the problems that actually matter.
BSA/AML Program Development
From first policy through independent audit. Risk assessments, written procedures, transaction monitoring, SAR protocols — complete programs built for your specific business model.
State Money Transmitter Licensing
MTL strategy, application preparation, and ongoing license management across U.S. states — from initial FinCEN MSB registration through multi-state portfolios and New York's BitLicense.
Crypto & Digital Assets Compliance
Program design for exchanges, custodial and non-custodial wallets, DeFi-adjacent products, and stablecoin platforms. Frameworks that fit the architecture, not the other way around.
Fractional CCO
Senior compliance leadership without a full-time hire. Available for regulatory inquiries, banking partner diligence, board-level questions, and ongoing compliance support.
Working on a compliance challenge?
Let's talk through what you're building and whether I'm the right fit.