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Our Services

Fintech

We serve banks, DTVMs, FX brokers, SCFIs, SCDs, payment institutions and VASPs, from authorization to recurring regulated operations. The authorization process for a financial institution involves preparing the business plan according to the BCB Normative Instruction 103/21, covering three scenarios: Base, conservative, and optimistic.
We oversee the process until the favorable manifestation of the Central Bank of Brazil ("Bacen"), we address any requirements that may arise, and conduct planning and orientation meetings with shareholders, partners, and/or directors for the Bacen interview.
Our team consists of highly qualified professionals with numerous successful authorization requests with Bacen. Beyond the entire authorization process, we have the expertise to support you after the favorable opinion, whether in outsourcing back-office routines such as accounting, tax, and payroll, as well as providing recommendations for selecting partners in various essential areas at the start of operations. After authorization, we continue supporting recurring regulated operations: COSIF-standard accounting, CADOCs and prudential capital calculation.

Financial Institutions

We assist you in the process of authorization and compliance with the regulatory standards of the Central Bank of Brazil, for banks, DTVMs, FX brokers, SCFIs, SCDs, payment institutions, VASPs, investment funds and securitization companies. We also serve retail, credit and other business companies seeking the same standard of governance.

Operational Support

We provide the back office you need to focus all your energy on your business.

Strategic Projects

Assessment of credit operations and financial products, current structure, verticalization alternatives and models such as SCD, payment institution or structures with partners.

Strategic Consulting

We help your company comply with compliance best practices.

BPO

With outsourcing, under the COSIF standard for regulated institutions and CPC/IFRS for other companies, your company is free to focus on activities that add value to the business and enjoy other advantages. By choosing outsourcing, it is possible to optimize your expenses, ensure compliance with legal requirements, obtain reliability of information, and generate reports with specific information that your company needs.
In addition to ensuring the excellence of the contracted service, we provide highly qualified professionals who can answer questions, guide your team and add to strategic decisions.

See the earnings from outsourcing:

Cost reduction

Process Agility

Highly specialized team

Best practices and adherence to the standards

Compliance with legal records

Freedom to focus on your business

Strategic Projects

We support strategic decisions that go beyond recurring consulting: feasibility, restructuring and new structures, always backed by technical and financial analysis.

Feasibility & Business Plan

Feasibility, financial verticalization and restructuring: we support your business’s complex decisions with technical and financial analysis.

Financial Verticalization

Assessment of credit operations and financial products, current structure, verticalization alternatives and models such as SCD, payment institution or structures with partners.

Assessment & Gap Analysis

Diagnosis of processes, accounting, tax, finance, regulation, technology, controls and governance.

Vendor Selection

Requirements definition, comparative analysis and support in selecting ERP, core banking, PSTI and specialized vendors.

Restructuring & Adequacy

Diagnosis and action plans to fix weaknesses, support growth, adequate processes and controls and, when applicable, rebuild capital.

New Structures

Accounting, financial and operational structuring and support for funds, securitizations, segregated estates and other financial structures.

Areas that FBispo can support you in outsourcing

  • Bookkeeping in accordance with accounting standards (CPC and IFRS);
  • compliance with regulators’ standards; review of the chart of accounts; preparation of management reports tailored to Management’s needs;
  • preparation of financial statements; preparation of ancillary tax obligations; and
  • assistance during external audits.
  • Financial management and/or processing of accounts payable, invoicing and accounts receivable routines;
  • analysis and reconciliation of bank statements and accounts receivable position; and
  • preparation of the cash flow report.
  • Calculation and recording of direct and indirect taxes;
  • preparation of ancillary tax obligations; preparation of federal tax offsetting filings (PER/DCOMP); and
  • tax bookkeeping.
  • Monthly payroll preparation; calculation of payroll charges, contributions and taxes;
  • advisory support for employee hiring and termination processes;
  • monthly vacation and 13th salary (Christmas bonus) reports; and
  • generation and submission of eSocial filings.

Consultancy

FBispo's consulting work is done from client to client, we identify the individual need of your business and create the solution you need. We understand and identify your needs and context; We bring together employees with the necessary expertise to develop the solution; We present the approach that will ensure the quality and excellence your business needs; and We deliver the planned results with high quality meeting your needs.
Some of our consulting work:

Consulting on prudential regulation

Calculation for determining of Reference Equity

Implementation of new accounting standards

Preparation of financial statements

Report of previously agreed procedures

Preparation of opening balance sheet

Miscellaneous training

Manual policy making

Accounting diagnosis

Accounting valuation reports.

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