Portfolio Assurance
Merchant onboarding audits often stop at go-live. Ownership changes, MCC shifts, and stale periodic reviews create drift that only shows up when a chargeback cluster or partner questionnaire arrives.
Portfolio sampling assurance treats live merchants as a second control layer. Stratify by volume and risk tier, re-test artefacts, and ask whether the file would still pass today’s intake rules.
Findings tend to cluster: expired documents without renewal tickets, beneficial owners updated in CRM but not in the KYC vault, and high-risk MCCs that migrated after approval without enhanced review.