S+P Compliance Package
Combine several functions modularly – for uniform governance, clear interfaces and a single point of contact.
View package
Outsource compliance with S+P – your partner for Compliance as a Service
You hand over the task, not the control. S+P takes over officer functions and operational processes and provides RegTech solutions – audit-proof for BaFin and auditors.
- ISO/IEC 27001
- ISO 9001
- IDW PS 951
- ISAE 3402
- EcoVadis
Outsourcing
- MLRO (GwG)
- Compliance Officer
- Internal Audit
- CISO & data protection
- 1st Line Services
RegTech
- Compliance Cockpit
- KYC as a Service
- Compliance Monitoring
- Whistleblowing Portal
- TMaaS
Outsourcing offers
Two levels that work together: the independent officer function and operational processing in day-to-day business. Designed for the requirements of GwG, KWG, WpIG, MaRisk and DORA.
You hand over the task, not the control. S+P performs the agreed functions and processes according to documented requirements. Steering, decision-making authority and ultimate responsibility remain with your company.
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Compliance as a Service – outsourced officer functions
S+P takes over the function together with technical responsibility within the agreed scope: risk analysis, monitoring plan, controls, training, reporting and communication with authorities.
Money Laundering Reporting Officer
Outsourced MLRO for FIU filings and robust AML compliance in international structures.
Outsource MLROCompliance Officer
Effective monitoring, control activities and reliable compliance in ongoing operations.
View Compliance OfficerWpHG Compliance Officer
MiFID II expertise: monitoring, advice and reporting for securities business in line with WpHG and MaComp.
View WpHG OfficerMaRisk Compliance Officer
MaRisk-compliant implementation, monitoring of legal requirements and reporting.
View MaRisk OfficerInternal Audit
Independent reviews of governance, risk management and processes with practical recommendations.
Outsource Internal AuditCentral Outsourcing Management
Compliant control, monitoring and documentation of all outsourcing arrangements, including due diligence.
View Outsourcing ManagementChief Information Security Officer
Effective information security governance and ISMS implementation based on recognised standards.
Enquire about CISOData Protection Officer
GDPR-compliant implementation, ongoing advice and documentation of the data protection organisation.
Enquire about DPOXBRL Regulatory Reporting
Timely and error-free XBRL reports to the Deutsche Bundesbank and BaFin without in-house software.
View XBRL Reporting
02
1st Line Services – operational relief in daily business
Standardised, data-intensive and deadline-driven processes are handled by S+P as an operations service – from KYC and screening through DORA and outsourcing to WpHG, MiFIR, data quality and governance registers.
Financial Crime & Customer Operations
KYC onboarding, reviews, screening alerts, UBO data and fraud cases handled operationally.
Enquire nowRegulatory Data & Governance Operations
Data controls, quality rules, governance registers, measures and audit evidence under control.
Enquire nowDORA, Outsourcing & Third-Party Operations
Continuously maintained information registers, ICT evidence, outsourcing data and third parties.
Enquire nowSecurities, Credit & Reporting Operations
WpHG documents, MiFIR transaction data and financial records prepared in a structured way.
Enquire nowOfficer functions and 1st line services are provided separately in terms of organisation and personnel. Talk to us about the right scope
RegTech offers
All regulatory registers in one place and digital services for KYC, monitoring and whistleblowing – audit-proof, maintained jointly with S+P and available in your familiar Microsoft or SharePoint environment.
S+P Compliance Cockpit
Your entire compliance in one cockpit: audit-proof, maintained jointly with S+P and available in your familiar Microsoft or SharePoint environment.
- No new software
- No additional licences
- Maintained jointly with S+P
KYC as a Service
KYC checks for customers based in Europe and worldwide. Storage in line with the EU GDPR.
- KYC checks for natural and legal persons
- PEP and SIP check
- Embargo and sanctions check
- CDD and EDD checks
Compliance Monitoring
Ongoing, risk-based monitoring of relevant compliance risks as an outsourcing solution.
- PEP status of customer relationships
- Sanctions and embargo screening
- Ongoing transaction monitoring
- Adverse media checks
Whistleblowing system
Whistleblowing system in line with regulatory requirements as an online solution.
- S+P Whistleblowing Portal, GDPR-compliant
- Compliance with the Whistleblower Protection Act (HinSchG)
- Case management with initial assessment and structured documentation
TMaaS
Transaction Monitoring as a Service: monitor your transactions securely without building your own system.
Enquire about TMaaSInformation Register DORA & XBRL
Reliable, compliant XBRL reporting to the Deutsche Bundesbank and BaFin.
- Automated XBRL reporting
- Fewer reporting errors and compliance risks
- Training and ongoing assistance
Looking for a specific RegTech solution or a demo? Get in touch
Audited, as promised
Independently certified and audited – less audit effort for you, reliable evidence for your supervisor and your outsourcing file.
IDW PS 951 · ISAE 3402
Audit-proof outsourcing
Your auditor can rely on our audited control system instead of auditing us.
ISO/IEC 27001
Information security
Your sensitive data is handled within a certified information security management system.
ISO 9001
Quality management
Consistently high, controlled process quality in every service we deliver.
EcoVadis
ESG and sustainability
Documented ESG responsibility for your supplier due diligence.
The ISO certifications apply to the Unterföhring site. We provide all certificates and audit reports on request for your outsourcing file.
Why outsource compliance functions?
Regulated companies must staff officer functions, carry out controls, maintain registers, keep evidence and react continuously to new requirements. Building this capacity in-house ties up personnel, creates fixed costs and quickly reaches its limits in the event of absences or peak loads.
Outsourcing to a specialised provider shifts this effort – but not the responsibility. What matters is that the outsourced function is audit-proof, contractually well regulated and always controllable for your company. S+P combines both: technical takeover by experienced officers and operational relief through scalable processing capacity – documented, with clear service levels and an audited control system.
Outsourcing to GermanyYour benefits at a glance
What S+P takes over – and what your company gains from it.
| Service area | Description | Your benefit |
|---|---|---|
| Outsourcing of compliance functions | S+P takes over roles such as Money Laundering Reporting Officer, Compliance Officer, ICT function under DORA and Internal Audit. | Save internal resources and gain access to expert knowledge on demand. |
| Compliance Management Systems | Introduction of structured systems to ensure effective governance and legal certainty. | Clear responsibilities and reduced liability risks. |
| Regulatory monitoring | Ongoing monitoring of legal changes and supervisory requirements. | Always up to date, without internal research effort. |
| Regulatory reporting & risk controlling | Support with regulatory reporting (e.g. EMIR, MiFIR, CRR) and risk controlling. | Legally compliant reports and early risk identification. |
| Digital compliance tools | Solutions for documentation, monitoring and evaluation in the S+P Compliance Cockpit. | Less manual effort, more process reliability. |
| Specialised services | KYC checks, integrity monitoring, transaction analysis and whistleblowing systems. | Identify risks earlier and avoid them in a targeted way. |
| Audited quality | Certified to ISO 9001 and ISO/IEC 27001, audited to IDW PS 951 and ISAE 3402. | Proven auditability for your outsourcing file. |
Who we work for
S+P supports financial and non-financial companies in Germany, the United Kingdom and the USA. Selected sectors and clients:
Crypto custody business
Multinational social trading, multi-asset brokerage and investment platform company focused on crypto.
Investment firms
S+P supports US and UK investment firms in their activities in Germany.
Payment service providers
Leading global provider of financial transfer services.
Banks
Nationally and globally active banks with a focus on institutional investors, business and private customers.
FinTech banks
Europe’s leading FinTech bank with smartphone services.
IT service providers
Germany’s leading IT service provider for financial companies.
Our services are particularly suited for
- Credit institutions and specialist banks
- Payment and e-money institutions
- Securities institutions and asset managers
- Investment management companies
- Insurance companies and intermediaries
- Leasing and factoring companies
- FinTechs, neobanks and digital platforms
- Crypto service providers and MiCA-regulated firms
- Companies with international client or provider business
What’s new
Current topics from regulation and our services.
WhistleblowingHinSchG-compliant and effective – S+P IntegrityWatch
MonitoringMonitoring made easy – S+P IntegrityMonitoring
KYCS+P KYC Service: KYC and due diligence services
AMLAMLD6 sanctions framework: fines and penalties under Article 53
EBAEBA credit risk consultation 2026
EBAEBA update on retail granularity: embedding the one-step approach in your SFO
GovernanceC-level liability May 2026 checklist
BaFinBaFin tightens money laundering prevention and update obligations
BaFinAre you ready for the BaFin exam? Governance and compliance check
Frequently asked questions about compliance outsourcing
Which functions can S+P take over?
Among others, S+P takes over the functions of the Money Laundering Reporting Officer, the Compliance Officer under MaRisk and WpHG, Internal Audit, the Information Security Officer, the Data Protection Officer, the ICT risk control function under DORA and central outsourcing management. Operational 1st line services are available in addition.
Does responsibility remain with our company?
Yes. Outsourcing shifts the task, not the regulatory responsibility. Your institution remains able to steer and oversee, as MaRisk AT 9 requires. Material decisions and ultimate responsibility remain with management.
How is audit-proofing ensured?
S+P works according to ISO 9001 and ISO/IEC 27001 and is audited to IDW PS 951 and ISAE 3402. Your auditor can rely on this audited control system instead of auditing the service provider. You receive all certificates and audit reports for your outsourcing file.
Can several functions be combined?
Yes. The S+P Compliance Package is modular. You can combine, for example, the money laundering officer, MaRisk compliance, data protection and the ICT risk control function. This ensures uniform governance, clear interfaces and one point of contact.
How do officer functions and 1st line services differ?
The officer function is an independent control function of the second line of defence: it defines standards, monitors risks and reports to management. 1st line services are operational processing according to your specifications. Both are provided separately in terms of organisation and personnel.
Is compliance outsourcing the same as regulatory consulting?
No. Regulatory consulting provides advice, strategy and project support. With outsourcing, S+P takes over the agreed function (e.g. MLRO) and its continuous operation, giving management ongoing relief rather than temporary advice.
How quickly can an outsourcing start?
In three steps: you get in touch and we clarify your requirements together. You receive a tailored offer with scope of services, contract term and cost structure. The outsourcing agreement starts our cooperation.
Outsource compliance with audited security
Relieve your organisation and minimise regulatory risk. In the initial call we clarify your requirements, the right scope of services and the contractual set-up. You then receive an individual offer.
- Get in touchWe clarify your requirements together.
- Receive an offerTailored, with scope of services, contract term and cost structure.
- Start the cooperationThe outsourcing agreement starts our work together.
Media & thought leadership
Known from Handelsblatt, WirtschaftsWoche, Süddeutsche Zeitung, FOCUS, DerStandard, Frankfurter Rundschau, Berliner Morgenpost and FNP. Articles are in German.
HandelsblattMaRisk, DORA & ESG – Wie Top-Manager Haftungsrisiken vermeiden
FOCUSCompliance ohne Kopfschmerzen
WirtschaftsWocheOutsourcing 2.0 – Wettbewerbsvorteil Compliance
WirtschaftsWocheKI & Geldwäscheprävention
Süddeutsche ZeitungDORA & digitale Resilienz
Frankfurter Neue PresseBaFin-Falle 2026 – Fachkräftemangel im Compliance-Sektor
Berliner MorgenpostBermudadreieck 2026 – Haftungsrisiken für Geschäftsführer
Frankfurter RundschauHaftungsrisiken durch AI Act & Governance
KurierRechtssicherheit & Compliance
Westdeutsche ZeitungCompliance als Wettbewerbsvorteil
PresseportalGovernance, Risk & AML
ForbesDORA, GwG, Fachkräftemangel: Warum die nächste Compliance-Prüfung teuer wird
oio.deSicherheitsrisiko IT-Infrastruktur: CISO & Datenschutz strategisch auslagern
ra.deDie AMLA kommt: Beschleunigung des Outsourcing
