Compliance & Regulatory Advisory
Helping You Navigate Complexity with Confidence. In today's business environment, regulations are no longer static checkboxes — they are dynamic, evolving, and increasingly enforced. We help you stay ahead of regulatory requirements.
Compliance & Regulatory Advisory
"Helping You Navigate Complexity with Confidence"
Why Regulatory Compliance Is a Business Imperative
In today's business environment, regulations are no longer static checkboxes — they are dynamic, evolving, and increasingly enforced.
From data protection laws, financial authority regulations, to anti-money laundering (AML) and licensing requirements, compliance is not just about avoiding penalties — it's about building trust, transparency, and long-term sustainability.
With Tobias Compliance & Regulatory Advisory, you gain a partner who understands both the letter and the spirit of the law — and helps you stay ahead of it.
Our Areas of Expertise
OJK & Financial Services Regulation
Advisory and documentation support for companies regulated by OJK (Indonesia Financial Services Authority) — including fintech, lending, insurance, wealthtech, and securities.
Company Licensing & Structuring
Assistance with strategic licensing preparation:
- • P2P Lending / Digital Financial Services
- • E-Wallet, E-Money, or Payment Gateway
- • Venture Capital / Investment Manager Setup
- • Kominfo & Bank Indonesia Compliance
- • Hong Kong / Singapore company advisory for cross-border licensing
Data Protection & Privacy Compliance
End-to-end readiness for PDP (Indonesia's Personal Data Protection Law), GDPR, or APAC privacy frameworks — including policies, data flows, and DPO advisory.
Anti-Money Laundering (AML) & KYC Framework
Support for AML/CFT risk assessments, KYC onboarding processes, customer due diligence (CDD) design, and suspicious transaction reporting (STR/SAR) guidance.
Regulatory Gap Assessments
We benchmark your current practices against regulatory requirements and industry best practices — identifying gaps, risks, and practical remediation steps.
How We Work: Regulatory Strategy Meets Execution
Tobias brings a business-first approach to compliance — meaning we don't just deliver theory or legal text. We work alongside your team to translate compliance into operational practices.
1. Discovery & Risk Assessment
We review your business model, operational processes, customer journey, and data landscape to identify key risk areas.
2. Regulatory Mapping & Prioritization
We create a compliance map tailored to your regulatory landscape — prioritizing high-risk obligations based on your product type and jurisdiction.
3. Policy & Control Design
We draft or improve your:
All documents are written in practical, human language — not legal jargon.
4. Implementation Advisory & Training
We provide staff training, board-level briefings, and walkthroughs for proper execution. Tobias also supports regulator communication and audit response.
5. Monitoring & Continuous Updates
Regulation evolves. We help you build a governance model for monitoring regulatory change and adapting internal procedures accordingly.
Sample Deliverables
Compliance Framework & Policy Set
Risk-Based AML/KYC Workflow
PDP Law Compliance Checklist
Licensing Preparation Dossier
Board Presentation Decks
Regulator-facing Documentation Pack
Why Choose Tobias?
Deep expertise in finance, technology, and legal intersections
Strong understanding of Indonesian regulatory bodies (OJK, BI, Kominfo, etc.)
Support for regional compliance (Singapore MAS, HK SFC, GDPR)
Audit-ready documentation and hands-on implementation support
Risk-sensitive advisory tailored to your business stage & sector
Who This Service is For
Startups applying for OJK licenses or BI registration
Fintechs scaling their compliance operations post-funding
International businesses entering Indonesian markets
Enterprises undergoing audit, due diligence, or data breach prevention
Business owners who need clear compliance without the legalese
What You Can Expect
Clarity on what regulations apply to you — and why
Policies that don't just tick boxes but fit your business
A guided roadmap to meet regulator expectations
Reduced risk of non-compliance, penalties, or reputational harm
Confidence in facing investor, auditor, or authority scrutiny
Ready to Be Compliance-Confident?
Compliance is not just a legal function — it's a business advantage.
Let Tobias help you build a resilient, ethical, and audit-ready company.
Contact us for a free initial assessment and receive a compliance readiness scorecard.
Ready to Transform Your Organization?
Contact us for a free consultation and discover how our compliance & regulatory advisory can help you achieve your business goals.
Get Free Consultation