Forensic analysis your processor won't perform on itself.
Every engagement starts with a conversation and ends with a written deliverable you own. No vendor relationships. No preferred processors. Just forensic analysis and honest findings.
Blended Rate Forensic Decomposition
Your processor reports one number. The forensics show what's inside it — interchange categories, assessment fees, processor margin, and what AI optimization actually addresses versus what it obscures.
- 12-month interchange category analysis
- Fixed vs variable interchange separation
- Card mix trend analysis
- Processor margin isolation
- Written report with findings
Level 2/3 Data Capture Review
Assessment of Level 2/3 data qualification rates on commercial fleet card transactions. Identifies the gap between eligible and qualifying volume — and the annual savings opportunity.
- Qualification rate by card category
- Processor capability assessment
- Savings opportunity quantification
- Implementation roadmap
Settlement Optimization Review
Analysis of settlement timing qualification rates and downgrade patterns. Identifies interchange leakage from transactions settling outside qualification windows.
- Day/night settlement timing differential
- Downgrade pattern forensics
- Gift card volume ratio analysis
- Float management review
Durbin Amendment Compliance
Debit routing compliance review under Regulation II. Network exclusivity assessment. Merchant routing options analysis with forensic gap analysis and remediation roadmap.
- Debit routing compliance review
- Network exclusivity assessment
- Merchant routing options analysis
- Written findings you own
AI Governance for Card Operations
AI is being deployed across fraud detection, authorization decisioning, and spend analytics. Most organizations have no governance framework. NIST AI RMF, COSO GenAI, ISO 42001 applied to your environment.
- Fraud system AI governance review
- Authorization decisioning controls
- Spend analytics bias assessment
- Board-ready written report
Fractional GRC Officer — Cards
Senior payment card GRC leadership on retainer. Board-level risk reporting, controls design, audit support, and AI governance integration — without a full-time hire. Remote, 10–15 hours per month.
- Monthly board-level risk reporting
- Controls design and oversight
- Audit support and gap closure
- AI governance integration
What a forensic payment card review actually covers.
Not a vendor audit. Not a processor negotiation. A forensic accounting lens applied to your entire payment card environment.
GRC advisory is only as good as the forensic rigor behind it.
"Most payment card governance work is performed by the processor or a consultant who has never run the operation. I ran it — billions in North American volume, board-level reporting, multiple joint ventures. The forensics come from that."
— Monte Fisher, CPA (Ret.), CFEHow to engage
Every engagement starts with a conversation. Tell Monte what you're looking at and he'll tell you honestly what a forensic review would find — and what your options are.
WhatsApp — fastest response
Message Monte directly. Describe your situation — interchange cost concerns, blended rate movement, AI platform evaluation, or process review need. He responds personally.
WhatsApp Monte →Send a brief description of your situation and Monte will respond within one business day with an honest assessment of whether and how he can help.
monte@fishergovernance.ai →Start with a blended rate diagnostic.
If your interchange costs are moving and you don't know why — a forensic blended rate decomposition is the starting point. Written deliverable. No vendor agenda. Based on real payment card operations experience at scale.
monte@fishergovernance.ai · +63 917 798 1959 · Makati, Philippines · Available worldwide