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I started Scale Consulting in 2017 after recognizing a need in the FinTech space, where too often the Tech outweighs the Fin and compliance is an unknown and intimidating concept. Since then I have helped some of the best known FinTech firms and challenger banks establish their compliance programs, working with my clients and their partner banks to build the controls and compliance culture necessary for continued success. My clients include household names such as Chime, Mercury, Brex, GoodMoney, One, Gusto, Orum, Unison, Point, Neptune and many others.

Although I have over 20 years of regulatory compliance experience, my approach to compliance isn't stuck in the past and aligns perfectly with the nimble, fast paced firms working to get their product to market. From consumer lending to business banking, my programs are designed to ensure they represent the mission of my clients, tailored to meet the regulatory requirements as well as the culture of the firm.

I have a proven track record of creating compliance programs that meet partner bank and regulator scrutiny, while creating relationships with my clients as an ongoing resource long after an engagement ends. 

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Rick is the Founder and Managing Member of Scale Consulting.  Rick has over 20 years of industry experience, building compliance programs at large banks like Wells Fargo and Bank of the West as well as serving as the Head of Compliance for LendingHome, a FinTech startup specializing in hard money real estate lending.  Since starting Scale Consulting in 2017, he has helped several well known FinTech firms, across a broad array of financial services, design and implement their compliance programs.


Scale Consulting can provide ad-hoc advice or help you build a Compliance Management System ready for scale:


  • Development and integration of Compliance Management System (CMS) aligned with your business

  • CMS gap analysis

  • Development of key policies and procedures

  • Regulatory Risk and Control Self-Assessment

  • Design of automated compliance controls

  • Compliance testing and monitoring program development

  • Risk and compliance committee structure

  • Employee and/or board compliance training

  • Assist finding and vetting compliance candidates to join your team

  • Regulatory audit consultation

  • Vendor de-risking and management


2912 Kobio Dr. Concord, CA 94519

(515) 419-2928

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