Who we are

laCROSS is a regulatory, compliance, and strategic advisory firm built on more than 24 years of frontline leadership across the U.S., Puerto Rico, and Latin America. Led by Moisés Valladares‑Torres, a former Chief Compliance & Risk Officer, Global Head of Regulatory Affairs & AML, FINRA‑licensed principal, CPA, CAMS, and CRCP®, laCROSS delivers the caliber of governance, oversight, and risk management normally found inside major global financial institutions.

We support broker‑dealers, registered investment advisers, and Puerto Rico–licensed international banking and financial entities (EBIs / EFIs) with the discipline, structure, and strategic insight required to operate confidently in one of the most complex regulatory environments in the hemisphere.

Our Name Reflects Our Mission:

LatAm & Americas Compliance, Risk, Oversight & Strategic Services, guiding financial institutions across regulatory expectations, across jurisdictions, and across every stage of growth.

Ready to take your next step toward success? Schedule a consultation with us today, and together we'll create a path that's uniquely yours to achieve your goals.

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  • Big Ideas, Real Impact. 

At our consulting service, we take the time to understand your unique challenges and goals, offering tailored solutions that align with your vision.  Let us be your trusted partner on the journey to success, where your ambitions are our priority.

Our Services

Compliance & Regulatory Affairs

  • Full compliance program design and enhancement

  • SEC/FINRA/OCIF readiness, remediation, and exam support

  • Surveillance, monitoring, testing, and training frameworks

  • Policy development aligned with global standards

AML & Financial Crime

  • AML program development and optimization

  • EWARA/EWORA frameworks

  • Transaction monitoring and surveillance enhancements

  • Independent AML reviews

Risk Management & Oversight

  • Enterprise risk assessments (AML, OFAC, operational, supervisory)

  • Governance structures for Boards and executive leadership

  • Supervisory systems for multi‑branch and cross‑border operations

Strategic & Cross‑Border Advisory

  • Market entry into Puerto Rico and LatAm

  • M&A compliance integration

  • Operational restructuring and scalability planning

Contact us

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