Compliance and risk
Orenda was built by people who understand banking and compliance from the inside, and that experience is embedded in the platform. Our ambition is to make compliance a competitive advantage, enabling businesses to launch and operate financial services with confidence across Europe.
Alistair Swanepoel
Chief Risk and Compliance Officer
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Our licensing
We provide the regulatory foundation your programme runs on.
Our licenses and certifications are held directly by us, and operated by our own teams. Here is what each one covers in practice.
Payment Card Industry Data Security Standard
EMI License
DNB e-money license
Issued by the Dutch Central Bank. We hold, issue, and move electronic money across the European Economic Area under a single regulatory relationship.
Issue IBANs and hold client funds in safeguarded accounts
Own KYC, KYB, and ongoing AML monitoring end to end
Passport payment services across all EEA member states
Card Infrastructure
Visa Principal Membership
Principal Membership lets us run card programs end to end, from design and approval through issuance, scheme compliance, and settlement.
Manage co-branded card design and scheme approval
Issue physical and tokenized cards end to end
Manage scheme compliance, disputes, and settlement directly
Give clients a single point of accountability for card programs
Onboarding & verification
A leading-edge compliance function, managed for you.
Orenda owns onboarding and verification end to end with world-class KYC and KYB tooling, risk-based assessment supported by AI, and with decisions informed by our in-house compliance specialists.
KYC
Document and biometric verification, sanctions, PEP, and adverse media screening, with continuous re-screening.
KYB
Entity and registry verification, UBO identification, and monitoring as ownership or risk changes.
Risk-based assessment with AI
Verification is tailored to each customer’s risk profile, using AI to streamline the process while maintaining the depth and rigour required for effective compliance.