What are the 4 worked example assessments included?
Fully completed assessments for BNPL (pay-in-4), instant P2P transfers, embedded finance / BaaS, and a USD payment stablecoin issued under the GENIUS Act. Each has every assessment tab completed through the committee submission (the committee decision and post-launch results are left for you) and a "how we identified the risks" section explaining the reasoning, and each was updated in September 2026 for current rules — for example, the CFPB's 2025 withdrawal of its BNPL interpretive rule and the GENIUS Act's reserve and no-yield requirements.
What triggers the requirement for a full new product risk review?
The Trigger Screen asks six questions: is it new to the company, does it change the types of risk, does it materially increase existing risk, does it need new licenses, bank partner approval or critical vendors, does it change how money moves, and is it just a routine enhancement. A Yes to any of the first five means a full assessment; otherwise an abbreviated review may be enough, with the rationale recorded.
What's in the 64-item pre-launch checklist?
Items across 9 categories: Regulatory & Licensing, BSA/AML & Fraud, Consumer Protection & Compliance, Technology & Security, Data Privacy, Third-Party / Vendor Management, Operational Readiness, Financial & Risk Management, and Governance & Documentation. Each item is Required or Recommended with status, owner, due date and evidence, and the launch gate counts Required items still open.
How does the risk committee submission work?
The Committee Summary tab calculates itself from the workbook: product details, trigger result, unanswered questions, unlinked risk answers, coverage status, register rows needing attention, the pre-launch gate, risks by rating, and the top Critical and High residual risks. The committee records its decision (Go, Conditional Go, No-Go or Deferred) and conditions on the same page. The guide includes a brief format and what the committee should challenge.
Does this cover all the risk types in a single assessment?
It covers the 12 risk categories most new fintech products touch in one workbook — add questions if your product has others, and the Coverage Matrix confirms each category was assessed or explicitly marked N/A with a reason. Every risk answer links to a Risk ID on the Risk Register, which scores inherent and residual risk — and the Check column flags any link that points to a risk that is not there.
Can this be used for partnerships and distribution agreements, not just internal products?
Yes. The questionnaire asks whether contracts allocate liability for losses, errors and compliance failures among you, your bank partner and any program manager or distribution partner, and whether a middleware provider sits in the funds flow. The embedded finance / BaaS example walks through a three-party model end to end.
Can I share completed outputs externally?
Yes. You can use completed outputs with auditors, customers, bank partners, regulators, and internal stakeholders. Customize the template for internal business use — just don't resell or redistribute the source template files.
How do I receive the files?
Checkout is handled through Stripe. After payment, download every file immediately from the confirmation page. RiskTemplates also emails a secure access link, and Stripe sends the payment receipt separately. No account is required.
What if it's not a fit?
Email within 30 days for a full refund, no questions asked. The guarantee is meant to remove purchase risk while you evaluate whether the template fits your use case.
