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Institutional Compliance Architecture Governing Every Mandate, Transaction
Fletcher and Hudson operates under a rigorous five-pillar BSA/AML compliance program mandated by 31 USC 5318, encompassing designated internal controls, a compliance officer, independent audit functions, ongoing training, and a Customer Identification Program pursuant to USA PATRIOT Act Section 326.
Enhanced Due Diligence protocols under USA PATRIOT Act Section 312 are applied to all high-risk counterparties, correspondent relationships, and politically exposed persons identified during onboarding.
$27 M
Annual global AML compliance costs
27%
Financial crimes traced to KYC failures.
$8.8 M
OFAC penalties assessed since 2000
55%
Firms lack adequate compliance
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Ongoing Transaction Monitoring, SAR Filing, and All Regulatory Reporting Obligations
Pursuant to 31 USC 5318(g), Fletcher and Hudson maintains a mandatory ongoing transaction monitoring program with full SAR filing obligations to FinCEN, triggered upon any transaction or activity evidencing money laundering, structuring, sanctions evasion, or other prescribed financial crime conduct.
Accountability
All transaction records, client identification documentation, and SAR filings are maintained under the strict five-year retention requirements of 31 CFR Part 1020, subject to examination by FinCEN, OFAC, or any regulatory authority upon lawful demand.
Governance
Fletcher and Hudson's compliance governance structure formally incorporates board-level oversight, a designated Chief Compliance Officer, risk-based policies aligned with the Wolfsberg AML Principles, and an independent internal audit function on a prescribed annual review cycle
Full-Spectrum Regulatory Compliance
From Initial Client Onboarding Through Final Transaction Settlement and All Mandatory Reporting
Compliance at Fletcher and Hudson is not a standalone function. It is the structural and legal foundation of every client engagement, from initial counterparty CDD screening through fund remittance and post-settlement audit, all within a fully documented, auditable compliance framework.
Compliant by Structure.
Legal by Design.