Clarivus Advisors delivers expert risk, audit, and compliance services to businesses and individuals nationwide — powered by AI tools that deliver faster, deeper results than traditional consulting firms.
Fractional Chief Audit Executive services — senior audit leadership with AI-powered analytics that cover 100% of your data population, not just samples.
A fintech startup preparing for a Series B raise had never undergone a formal internal audit. Investors flagged the absence of a documented risk framework as a concern during due diligence.
A risk assessment revealed three critical control gaps: no segregation of duties in payment processing, undocumented access controls for customer data, and no formal incident response policy.
A remediation roadmap was delivered within two weeks. The company addressed all critical findings before the investor presentation — and closed the round.
AML, BSA, and regulatory compliance built by a CAMS-certified specialist. Comprehensive preparation for FinCEN, CFPB, OCC, and state regulatory examinations.
A payments company received a regulatory inquiry from FinCEN after being flagged for unusual transaction patterns. Their existing AML program was largely undocumented and had not been updated in three years.
The BSA compliance review identified absent transaction monitoring thresholds, no formal SAR filing procedures, and KYC documentation that covered fewer than 40% of active accounts.
A fully documented AML program — including updated policies, monitoring rules, and staff training — was delivered within 30 days, enabling the company to respond to regulators from a position of demonstrated compliance.
Understand, document, and govern the risks introduced by AI tools — increasingly required by regulators, investors, and boards across every industry.
A financial services firm began using AI-driven decisioning tools for loan approvals but had no documentation of how the models worked, what data they used, or how outcomes were audited — creating significant regulatory exposure.
The AI governance review revealed no model risk management policy, no audit trail for automated decisions, and potential fair lending concerns stemming from unreviewed training data inputs.
A model risk management framework and AI governance policy were implemented, creating the documentation trail required by examiners and reducing the firm's regulatory exposure significantly.
HIPAA compliance frameworks, billing integrity reviews, and internal controls for medical practices that need expert-level oversight at accessible pricing.
A multi-physician medical practice noticed revenue had plateaued despite a growing patient volume. The practice manager had broad financial access and minimal oversight from the physicians who owned the practice.
A billing integrity review using AI-powered transaction analysis identified a pattern of duplicate billing, upcoded procedures, and insurance reimbursements that were received but never reconciled to patient accounts.
The findings were documented in a forensic report supporting a legal claim. Internal controls were restructured to require dual authorization for all financial transactions above a defined threshold.
Independent financial oversight and fraud risk reviews for homeowner associations — protecting community assets with credentialed CFE expertise across financials, vendors, and payroll.
An HOA board received a complaint from residents that reserve fund balances were lower than expected given years of collected assessments. The property management company had handled all financial activity with little board oversight.
The financial review identified recurring vendor invoices from a company with no verifiable business address, payments to a part-time employee at a full-time salary rate, and reserve fund withdrawals that lacked board authorization.
Findings were delivered in a risk-rated written report. The board used the documentation to terminate the management agreement, initiate recovery proceedings, and implement new financial controls requiring dual board authorization for all disbursements.
Fully independent financial integrity review for HNW individuals — a credentialed, read-only reviewer with no financial stake, filling the oversight gap no existing advisor can occupy.
A high-net-worth individual with a complex financial structure — multiple business interests, a personal staff, and an active endorsement portfolio — had never had anyone independently review whether all contracted revenue was actually being received.
The review identified two licensing agreements where royalty payments had stopped without notice, a personal assistant processing expense reimbursements without any authorization documentation, and an advisory fee arrangement charging above the contracted rate.
All findings were delivered in a confidential, attorney-ready report. Recovered licensing revenue exceeded the cost of the engagement many times over, and new authorization controls were put in place across all disbursement categories.
Every engagement follows the same disciplined process — structured, transparent, and designed to deliver clear findings and actionable outcomes from day one.
We begin with a confidential conversation to understand your situation, priorities, and the specific risk areas you want examined. From this we define a clear engagement scope, timeline, and deliverable — no ambiguity on either side.
You provide financial records, documents, and data exports in read-only format. We never hold account credentials, execute transactions, or require direct system access — your data remains fully under your control throughout.
Using AI analytics tools, we analyze 100% of the data population — not a sample. This allows us to surface anomalies, patterns, and exceptions that traditional manual review would miss, with significantly faster turnaround.
Every finding is documented, evidence-supported, and assigned a risk rating — critical, high, medium, or low. Nothing is included without substantiation, and nothing significant is omitted out of sensitivity.
Findings are delivered as a professional written report — clear, structured, and suitable for use by legal counsel, boards, audit committees, or regulators. Executive summary included for stakeholders who need the highlights without the detail.
Where needed, we provide a prioritized remediation roadmap alongside the report. Clients on ongoing retainer arrangements receive quarterly monitoring, ensuring that resolved issues stay resolved and new risks are caught early.
CAMS-led compliance programs and policy builds for payment processors, crypto firms, and lending startups.
CFE + healthcare controls expertise for clinics, medical practices, and health-tech companies.
CIA-led fractional audit function for RIAs, broker-dealers, wealth managers, and mortgage companies.
Independent financial oversight protecting community assets — including compensation integrity reviews and vendor disbursement analysis.
Risk assessment and CFE fraud reviews for real estate developers and mortgage companies.
Scalable controls frameworks for growth-stage companies that need enterprise-grade compliance at startup-friendly prices.
Clarivus Advisors is a boutique consulting practice offering AI-powered risk assessment, internal audit, and compliance services to businesses and individuals across the country — headquartered in Boca Raton, Florida.
The practice combines deep credentialed expertise with modern AI tooling — delivering the quality of a seasoned specialist at prices accessible to growing businesses that cannot afford traditional consulting firms.
You get a 20-year expert personally on every engagement — not a junior associate — backed by AI tools that deliver the work faster and at lower cost than any traditional firm.
Whether you need a fractional Chief Audit Executive, an AML compliance program, or a fraud risk review — we're ready to help. All inquiries are handled with strict confidentiality.
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