Built by practitionersfor practitioners.
We led compliance, legal, and risk inside regulated institutions. Built programs that satisfied examination under heightened scrutiny. Called in when growth outpaced compliance infrastructure and the debt came due.
The pattern was the same across the industry. Decisions made under pressure. The record assembled later. Sound judgment in the moment. Fragmented proof afterward. That gap is what Unicore was built to close.
Leadership
Our team led compliance, legal, and risk inside publicly-traded banks, global financial institutions, and high-growth fintechs. Operators who carried the responsibility. Bank-scale governance alongside fintech-pace execution. From licensing through examination and the work between. Practitioners and platform, together. Senior practitioners lead the work.
Stephen Cheng
Chief compliance officer and chief legal officer at publicly-traded banks, Fortune 100 global financial institutions, and high-growth fintechs. Chair, Board Risk Committee at a publicly-traded Banking-as-a-Service pioneer behind some of the largest consumer payment brands. As CEO, led a regulated financial institution through public scrutiny, regulatory pressure, and remediation. The orderly asset sale that followed protected customer assets.
Nirvana Patel
Led both sides of the bank-fintech partnership table. Head of Fintech Risk at a publicly-traded bank, designing the risk oversight framework for regulated fintech partnerships under supervisory scrutiny. Chief compliance officer and BSA/AML officer at a fintech, building the compliance program from licensing through bank onboarding. Led financial intelligence unit operations at Fortune 100 global financial institutions. Board member, ACAMS New York Chapter.
The Unicore Story
Unicore was built through compounding crises.
The digital asset crisis arrived, an acquisition collapsed in public view, and customers had assets on the platform. The board appointed Stephen to lead through public scrutiny, regulatory pressure, and remediation. The orderly transition protected customer assets.
The work was sound. Capacity was the constraint.
We united a core network of risk and compliance specialists. Each had built and defended programs across institutions, jurisdictions, and regimes. That expertise is the core. The foundation the firm and the technology stand on.
Demand outpaced what practitioners could carry, so we developed the tools practitioners needed. The work funded the technology. Technology scaled the work. Built into the technology, that expertise compounds with the work. The platform enabling scale now serves institutions directly.
What we believe
A compliance program is a system of dependencies. Components carry one another. Pull a thread, the whole shifts.
Software has no judgment. Judgment does not scale. The platform holds both.
Liability shapes judgment. Accountability anchors the core.
AI must be governed, not trusted.
Continuous compliance compounds. Cost compresses. Markets open.
Grow with Unicore.
Built for practitioners who have lived the work.
The network is curated through referrals and vetting. Practitioners across the career arc. Analysts, specialists, leads, and chief officers. Those who have held accountability inside regulated institutions, and former senior regulators. Compliance, financial crimes, consumer protection, risk, privacy, information security and cybersecurity, and AI governance. Engagements match practitioner experience to the work.
Engagements move on the timelines regulated institutions actually face. The platform extends practitioner reach without diluting judgment. The network sharpens with use.
The institution changes. The work does not.