Offerings

Offerings from the client’s perspective.

Four client groups shape our work. For each of them we have laid out the typical starting point, the matching services and clearly described packages. The exact fit is defined in the situation assessment that starts every mandate.

Client group 01

Banks and financial intermediaries in traditional business

Established institutions, in particular category 3 banks, whose risk management has to keep pace with grown supervisory expectations.

Key issuesRisk appetite and risk reporting are expected to be decision-oriented, ICT and cyber risks belong in the risk register, and audit findings must be closed on time and verifiably. Internal capacity for this is often scarce, and external support rarely brings real audit routine.

Our solution

We bring both: 18 years of enterprise risk management in global banks, the language of audit firm and FINMA, and the ability to document measures in a way that holds up before board and regulator.

ERM development: risk strategy, risk appetite, risk taxonomy, key risk indicators
Findings closure: prioritised action plan and robust remediation reporting
Third-party risk management and integration with ICS, capital planning and stress testing
Risk reporting to executive management and the board, board effectiveness review

Matching packagesERM Implementation Review for the assessment, Outsourcing Risk & Compliance for lasting reinforcement.

Client group 02

International companies building in Switzerland and Liechtenstein

Companies from abroad building an entity in Switzerland or Liechtenstein, possibly with a holding structure.

Key issuesThe build-up requires three things: a sound structure, credible local substance, and governance that convinces banks, authorities and business partners. The questions are rarely purely legal; they concern organisation, responsibilities and lived practice.

Our solution

We accompany the build-up from structuring through incorporation to a functioning organisation, and on request serve as a governing body ourselves. Tax and legal specialist questions are solved together with specialised law firms from our ecosystem, coordinated from a single source.

Structuring of corporate, holding and participation structures in Switzerland and Liechtenstein
Corporate governance: organisational regulations, authority matrix, committees and reporting lines
Local substance: board mandate, domicile and governing body questions, bank and authority relationships
Corporate advisory in ongoing operations, from decision paper to implementation

Matching packagesBoard Functions & Substance CH/LI as the core package, complemented by project-based build-up mandates.

Client group 03

Digital asset firms

Digital asset firms, from the founding team ahead of licensing to the licensed provider in daily operations.

Key issuesWhat is needed is regulatory clarity, an audit-proof AML organisation and tools that match the licence. Much of this does not justify a full-time internal role, yet has to be staffed at senior level.

Our solution

Our offering is built exactly for that: licensing and MiCAR transition from first-hand build-up experience, AML outsourcing and MLRO servicing as a competence from practice under FMA supervision, RegTech selection and calibration from operational use, and a network that opens doors to banks, market makers and law firms.

Licensing: MiCAR authorisation and transition, SRO/VQF affiliation, FinTech licence
AML outsourcing and external MLRO in Liechtenstein (FMA) and Switzerland (SRO/VQF): suspicious activity reporting, monitoring oversight, regulator interface
Ongoing compliance support: directives, risk assessments, training, audit support
RegTech network: selection, introductions and calibration for KYC, KYB, KYT, Travel Rule, on-chain analysis
Advisory on governance, risk management and substance under MiCAR

Matching packagesExternal MLRO, Outsourcing Risk & Compliance, Board Functions & Substance and the Scorechain+ partner services.

Client group 04

Advisory and audit firms

Large advisory and audit firms with digital asset mandates that demand operational practice.

Key issuesHow do you actually calibrate transaction monitoring, what does the FMA expect in the authorisation process, what does lived MLRO practice look like? That experience is hard to keep on staff when it is needed only selectively.

Our solution

We work as a sub-contractor under your engagement lead: with a senior profile that holds up before your clients’ executive management and board, with clear confidentiality and independence rules, and without visibility claims of our own within the mandate.

Sub-contracting in digital asset mandates: licensing, AML, tool calibration, MLRO topics
Co-delivery in risk and compliance projects at banks and financial intermediaries
Quality assurance and second opinions on frameworks, applications and remediation plans
Expert input for committee meetings and client workshops, prepared boardroom-ready

Matching packagesCollaboration on a day-rate or project basis under your engagement lead. Conditions and availability on request.

Service packages

The packages in detail.

We have described four recurring mandate types as packages. They show scope and outcome; the exact fit is defined in the situation assessment.

Package 1: External MLRO / Interim MLRO

Who it is for: Regulated digital asset firms and financial intermediaries in Switzerland, Liechtenstein, Austria and Germany that want to staff the Money Laundering Reporting Officer function at senior level without creating a full-time position, or that need to bridge a vacancy.
Scope: Taking on the MLRO function including suspicious activity reporting, oversight of transaction monitoring, governance of KYT and screening tools, internal training, reporting to executive management and the board, and the interface to the regulator.
Outcome: An audit-proof, permanently staffed MLRO function with documented practice.
Key terms: Ongoing mandate with a monthly base, scope depending on business model and transaction volume. Indication on request.

Package 2: ERM Implementation Review

Who it is for: Banks and regulated institutions adjusting their risk management to grown supervisory expectations, as well as digital asset firms ahead of licensing or audit.
Scope: A structured assessment of risk management against regulatory requirements and market practice: framework and risk strategy, risk appetite, risk inventory, controls, ICT risks, reporting. With interviews, document review and a prioritised action plan.
Outcome: A report in a form that holds up before executive management and the board: maturity, gaps, prioritised measures, implementation path.
Key terms: Fixed scope with a defined duration. Indication on request.

Package 3: Outsourcing Risk & Compliance

Who it is for: Smaller and mid-sized financial intermediaries, asset managers, FinTechs and digital asset firms for which a dedicated risk or compliance organisation would be disproportionate.
Scope: Modular takeover of the compliance or risk function: directives, annual risk assessments, monitoring and control activities, reporting, support during SRO and supervisory audits. Swiss law explicitly permits the outsourcing of these functions.
Outcome: A permanently functioning second line of defence at predictable cost.
Key terms: Annual mandate with defined service levels. Modules and indications on request.

Package 4: Board Functions & Substance CH/LI

Who it is for: Companies in Switzerland and Liechtenstein that need to staff board functions with proven risk and compliance experience or meet substance requirements under MiCAR.
Scope: Board mandates in Switzerland and Liechtenstein as well as further governing body and internal functions in Liechtenstein, each with active exercise of oversight and control responsibility. On request combined with building the related governance structures.
Outcome: Credible substance towards regulator and business partners, carried by responsibility that is genuinely exercised.
Key terms: Remuneration per mandate. We take on board responsibility only with real information, escalation and intervention rights.

Partner offering

Scorechain+ Regulatory & Operational Partner Services.

Aragon eXeed is Scorechain’s Regulatory & Operational Implementation Partner for the DACH region. For companies introducing or already using Scorechain, four modules bundle the path from licence to audit-proof operations.

Module 1

Launch & License

Licensing strategy for Switzerland (FINMA, SRO/VQF, FinTech licence), Liechtenstein (FMA, MiCAR) and Austria (FMA). Company formation, business plan review from a supervisory perspective, governance design and substance planning, drafting of the application documents and representation towards the authority, connection to specialised law firms.

Module 2

Compliance Architecture

AML/KYC/CTF policies and directives, internal control system and three lines of defence, risk framework, onboarding with KYC, CDD and EDD, PEP and sanctions screening, alert and escalation logic in transaction monitoring, regulatory and committee reporting, audit preparation and remediation.

Module 3

Scorechain Calibration

Translating the AML policy into parameters: rules, thresholds and alerts. Cross-checking the configuration against licence conditions and supervisory expectations, integration into onboarding and monitoring workflows, audit trail and evidence standards, and ongoing recalibration as products, risks and regulation evolve.

Module 4

Ecosystem Connect

Introductions to crypto-friendly banks including account opening, to market makers and OTC desks, to RegTech providers for KYT, Travel Rule and identity verification, and to law firms in Switzerland, Liechtenstein, Austria and Germany. On request, referral of compliance staff as well as board functions and substance.

Typical paths: new ventures move through modules 1 to 3. Licensed providers switching tools start at module 2. Scaling companies combine modules 3 and 4. Banks building a digital asset offering combine modules 1 and 4.

Further RegTech ecosystem: beyond the Scorechain partnership, partnerships exist with 21Analytics and Sumsub; in addition, Aragon eXeed works vendor-independently and brings operational experience with further analytics and compliance providers, including ComplyAdvantage, Chainalysis and Elliptic. Tool selection follows business model and licence conditions alone.

FAQ

Frequently asked questions

What packages does Aragon eXeed offer?

Four recurring mandate types are described as packages: External MLRO / Interim MLRO, ERM Implementation Review, Outsourcing Risk and Compliance, and Board Functions and Substance CH/LI. They are complemented by the Scorechain+ Partner Services.

What does the External MLRO package include?

Assuming the MLRO function including suspicious activity reporting, oversight of transaction monitoring, governance of the KYT and screening tools, internal training, reporting to management and the board, and the interface with the supervisor. The result is an audit-proof, permanently staffed MLRO function.

What are the Scorechain+ Partner Services?

Aragon eXeed is Regulatory and Operational Implementation Partner of Scorechain for the DACH region. Four modules cover the path from licence to audit-proof operation: Launch and License, Compliance Architecture, Scorechain Calibration and Ecosystem Connect.

What do the packages cost?

Scope and terms depend on the business model, transaction volume and mandate type. We clarify the exact scope in the situation assessment with which every mandate begins; an indication is available on request.

Your situation, clearly assessed.

You have a specific regulatory situation. You receive a clear assessment, the critical points and the next step.

Situation Assessment Confidential. Both sides then decide whether a mandate fits.