Who We Are
fhbo-usa is a U.S.-based financial technology advisory firm founded to help businesses confidently navigate the complexity of bank API integrations, credential governance, and fintech compliance. We serve developers, product teams, and compliance officers across the U.S. financial services landscape.
Our team of engineers, compliance specialists, and fintech advisors — working together to simplify financial API integration for businesses across the United States.
Our Mission
"Our mission is to bring clarity, security, and confidence to every bank API integration."
The U.S. financial ecosystem is complex — fragmented standards, evolving compliance requirements, and legacy infrastructure create friction for every institution that moves data. fhbo-usa exists to remove that friction: delivering rigorous, unbiased guidance that helps banks, fintechs, and credit unions integrate confidently and compliantly.
200+
API integrations reviewed across U.S. institutions
100{9272ac8955812a73848f908526ebfd0fa385eddc9e4f284fff7bba23e3244510}
Independent — no vendor affiliations or referral fees
Our Core Values
We operate as a fully independent advisory — free from vendor partnerships, referral arrangements, and commission structures. Every recommendation we make is grounded solely in what is right for your institution, not what benefits our bottom line. Our counsel is unbiased by design.
Financial API integration carries real regulatory and operational risk. Our review methodology is rigorous — combining technical due diligence, compliance gap analysis aligned with FFIEC, OCC, and CFPB standards, and hands-on security assessment. We document findings with the exactness that auditors and board-level stakeholders demand.
Our reports are written in plain language — not boilerplate, not jargon-dense filler. You receive a clear scope, a clear deliverable, and a clear price before any engagement begins. There are no hidden fees, no upsells mid-project, and no ambiguity about what you are getting and what it costs.
The Experts Behind
Every Integration
fhbo-usa is built by specialists who have worked inside U.S. banking institutions, regulatory agencies, and high-growth fintech companies. This is the team that stands behind every API call.
Marcus J. Holt
Lead Integration AnalystMarcus brings over 12 years of experience architecting API integrations for tier-1 U.S. banks and credit unions, including partnerships with Federal Reserve-compliant institutions. He specializes in ACH, wire transfer, and real-time payment network connectivity.
Diane Calloway
Compliance AdvisorWith a decade of experience at the OCC and CFPB, Diane ensures every fhbo-usa integration adheres to U.S. banking regulations, BSA/AML standards, and data privacy mandates including GLBA and CCPA. Her regulatory foresight protects clients before problems arise.
Ryan Matsuda
API Security EngineerRyan is a certified CISSP and former security lead at a top-five U.S. fintech firm, where he designed OAuth 2.0 and OpenID Connect frameworks protecting over $40 billion in annual transaction volume. At fhbo-usa, he ensures every endpoint is hardened, audited, and PCI-DSS compliant.
Serena L. Vega
Client Success ManagerSerena has spent eight years guiding fintech startups and regional banks through complex API onboarding processes, reducing time-to-integration by an average of 40{9272ac8955812a73848f908526ebfd0fa385eddc9e4f284fff7bba23e3244510} across her client portfolio. Her client-first methodology and deep knowledge of U.S. payment ecosystems make her the trusted first call for every fhbo-usa partner.
Seamless Financial API Integration for the Modern U.S. Market. Connecting institutions, lenders, and fintechs with compliant, reliable infrastructure.
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Legal & Compliance
fhbo-usa operates in compliance with U.S. federal financial regulations, including applicable provisions under the Bank Secrecy Act and relevant CFPB guidelines.
© 2026 fhbo-usa. All rights reserved.