Jorgen Osio Norgaard is the Chief Compliance & Risk Officer at Alviere
In financial services, compliance often gets framed as the necessary slowdown, the part that ensures everything’s done correctly, but at the cost of customer experience and speed to market. I think that’s an outdated view.
At Alviere, we believe compliance should enable business, not obstruct it. The regulations that govern our industry are largely the same for everyone. The real difference lies in how compliance is designed and executed — how it lives inside the technology and the customer experience.
We’ve learned what matters:
Clarity over complexity
A strong compliance framework starts with clearly defined steps for customer identification program (CIP) and know your customer (KYC) programs. It may sound basic, but too often, companies apply the same verification process to every product and customer type. We take a more intentional approach: Tailoring what’s required based on the financial product’s specific risk and regulatory profile. It’s not about collecting more data — it’s about collecting the right data, at the right time.
Seamless by design
Compliance should never feel like friction. When customers verify their identity in an app or on the web, the process should be intuitive, fast, and transparent. We build compliance directly into the product flow, powered by low-latency systems and direct data integrations that minimize drop-offs and eliminate unnecessary waiting.
Smarter fraud management
Fraud prevention is more than setting rules, it’s about knowing the product and the associated potential threats. We customize our fraud controls accordingly, striking the right balance between protection and accessibility. When compliance and fraud prevention are aligned with the actual business model, they become powerful enablers, not blockers.
Compliance is often invisible when it’s done well — but it’s foundational to everything. It builds trust, accelerates onboarding, and protects both customers and companies. At Alviere, we see it not as a cost of doing business, but as a competitive advantage — one that allows our clients to innovate confidently, knowing that every transaction, every user, and every new financial product is built on a solid foundation.
