I used to work at a fintech and now work at a bank that has a sponsorship program. Sure, some fintechs take BSA/AML seriously but many are pretty weak or inexperienced in that area and are primarily concerned with market growth as quick as possible. Fintechs are kind of a Wild West in the US and until there’s uniform regulation stands on them they’ll continue to run the gambit on being solid to bad at fraud/risk management