Anton Payments

Legal

Compliance Statement

Last updated: January 2024

1. Our Commitment to Compliance

Anton Payments, Inc. is committed to maintaining the highest standards of regulatory compliance, risk management, and ethical business practices. As a payment processor operating globally, we recognize our responsibility to comply with applicable laws, regulations, and industry standards in all jurisdictions where we operate.

2. Regulatory Framework

We operate under comprehensive regulatory oversight and maintain licenses, registrations, and certifications in multiple jurisdictions. Our compliance program addresses:

  • Money transmitter licensing requirements (state and federal)
  • Anti-money laundering (AML) and counter-terrorist financing (CTF) regulations
  • Know Your Customer (KYC) and Know Your Business (KYB) requirements
  • Sanctions compliance (OFAC, UN, EU, UK)
  • Data protection and privacy laws (GDPR, CCPA, etc.)
  • Payment card industry standards (PCI DSS)
  • Consumer protection regulations
  • Tax reporting and withholding requirements

3. Compliance Program

Our comprehensive compliance program includes:

3.1 Governance and Oversight

  • Dedicated compliance function with experienced professionals
  • Chief Compliance Officer with direct reporting to the Board
  • Compliance Committee for oversight and decision-making
  • Regular compliance reporting to management and board

3.2 Policies and Procedures

  • Comprehensive written policies and procedures
  • Regular review and updates to reflect regulatory changes
  • Clear escalation and reporting procedures
  • Documented risk assessment and mitigation strategies

3.3 Training and Awareness

  • Mandatory compliance training for all employees
  • Role-specific training for high-risk functions
  • Regular updates on regulatory changes
  • Compliance awareness campaigns

3.4 Monitoring and Testing

  • Automated transaction monitoring systems
  • Regular compliance testing and audits
  • Independent third-party assessments
  • Regulatory examination preparation and response

4. Key Compliance Areas

4.1 Anti-Money Laundering (AML)

We maintain a comprehensive AML program in accordance with the Bank Secrecy Act and applicable regulations. For details, see our AML Policy.

4.2 Know Your Customer/Business (KYC/KYB)

We conduct thorough customer due diligence on all customers. For details, see our KYC/KYB Policy.

4.3 Sanctions Compliance

We screen all customers and transactions against applicable sanctions lists. For details, see our Sanctions Compliance Policy.

4.4 Data Protection

We comply with applicable data protection laws, including GDPR and CCPA. For details, see our Privacy Policy and Data Processing Agreement.

4.5 Payment Card Industry (PCI DSS)

We maintain PCI DSS Level 1 compliance, the highest level of certification for payment card data security.

4.6 Information Security

We maintain SOC 2 Type II certification and ISO 27001 compliance, demonstrating our commitment to information security and operational excellence.

5. Licenses and Registrations

We maintain money transmitter licenses and registrations in multiple U.S. states and other jurisdictions. For a complete list of our licenses and registrations, please see our Licenses & Registrations page.

6. Certifications and Standards

We maintain the following certifications and comply with industry standards:

  • PCI DSS Level 1: Payment Card Industry Data Security Standard
  • SOC 2 Type II: Service Organization Control 2 certification
  • ISO 27001: Information Security Management System
  • GDPR Compliance: General Data Protection Regulation
  • CCPA Compliance: California Consumer Privacy Act

7. Regulatory Cooperation

We maintain cooperative relationships with regulatory authorities and fully cooperate with:

  • Financial Crimes Enforcement Network (FinCEN)
  • Office of Foreign Assets Control (OFAC)
  • State money transmitter regulators
  • Financial Intelligence Units (FIUs) in various jurisdictions
  • Data protection authorities
  • Other relevant regulatory bodies

8. Continuous Improvement

We are committed to continuous improvement of our compliance program through:

  • Regular risk assessments and program reviews
  • Monitoring regulatory developments and industry best practices
  • Implementing enhancements based on audit findings and regulatory feedback
  • Investing in technology and systems to improve compliance effectiveness
  • Training and development of compliance staff

9. Reporting Concerns

If you have concerns about our compliance practices or wish to report potential violations, please contact:

Anton Payments, Inc.
Chief Compliance Officer
Email: [email protected]
Compliance Hotline: [email protected]

10. Updates to This Statement

This Compliance Statement is reviewed and updated regularly to reflect changes in our compliance program, regulatory environment, and business operations.