Financial Services & Fintech
Your regulators care about
your vendor's terms. Do you?
SOX, GLBA, PCI DSS, and NYDFS all require you to monitor and assess your vendor relationships. ManageVendors automates the tracking so you have evidence when regulators and auditors come knocking.
The Problem
Vendor risk events that derail audits and examinations
Financial services companies face vendor risk from multiple regulatory angles. Here's what goes wrong when nobody is watching.
API Terms Changed — Your Integration Breaks Compliance
Your payment processor changed their API terms to restrict how you can store transaction data. Your current implementation violates the new terms. You're now non-compliant with both the vendor agreement and SOX record-keeping requirements.
Impact: SOX compliance gap + vendor agreement violation
Vendor Added Data Sharing Clause
Your analytics vendor quietly added a clause allowing them to share aggregated customer data with third parties. For a fintech handling financial data under GLBA, this creates an unauthorized disclosure — and your compliance team had no idea.
Impact: GLBA violation risk + regulatory reporting
Critical Infrastructure Pricing Jumped 40%
Your cloud database vendor increased prices 40% with 30 days notice. Your annual SOX audit starts in 45 days. Migrating databases requires re-validation of all controls — an impossible timeline. You're locked in.
Impact: Budget overrun + audit risk
Sub-Processor Change in Payment Pipeline
Your payment gateway added a new sub-processor in a jurisdiction with weaker data protection laws. PCI DSS requires you to monitor your payment data chain. Nobody caught this until a quarterly review — three months late.
Impact: PCI DSS compliance gap
What We Monitor
Automated vendor intelligence for financial compliance
Terms of Service & Contract Monitoring
Daily monitoring of vendor Terms of Service, acceptable use policies, and service agreements. Get alerted when vendors change liability terms, data handling provisions, or service level commitments.
API Terms & Deprecation Tracking
Monitor API terms, rate limits, and deprecation notices. Know when vendors change how you can use their APIs before your integrations break or violate updated terms.
Pricing & Plan Change Intelligence
Track pricing pages and plan structures across your vendor stack. Get early warning of price increases so you can negotiate, budget, or plan migrations ahead of audit cycles.
Status Page & Incident Monitoring
Aggregate vendor status pages and incident reports. Build an evidence trail of vendor reliability for SOX IT controls documentation and regulatory examinations.
Security & Compliance Page Tracking
Monitor vendor security pages, SOC 2 certifications, and compliance attestations. Know immediately if a vendor's compliance status changes.
Changelog & Product Change Tracking
Track product changes and feature modifications that could impact your compliance posture, data flows, or control environment.
Monitored Vendors
Critical fintech infrastructure we track
These vendors are commonly used across fintech and financial services — and they all have terms that change.
Plus 330+ more vendors across all categories. View full directory
Regulatory Requirements for Vendor Monitoring
Multiple regulations require financial institutions to actively monitor and assess third-party vendor relationships.
SOX (Sarbanes-Oxley)
Section 404 requires assessment of internal controls over financial reporting, including IT controls and vendor management.
GLBA (Gramm-Leach-Bliley)
Requires financial institutions to protect customer information and oversee service providers who have access to it.
PCI DSS
Requirement 12.8 mandates maintaining policies for managing service providers, including monitoring their PCI DSS compliance status.
NYDFS Cybersecurity Regulation
23 NYCRR 500.11 requires written policies for third-party service providers, including risk assessments and contractual protections.
FAQ
Fintech vendor risk questions
SOX Section 404 requires assessment of internal controls over financial reporting, including IT controls that depend on third-party vendors. ManageVendors provides continuous monitoring of vendor terms, pricing, and service changes — giving your audit team timestamped evidence of vendor oversight throughout the year, not just at audit time.
Yes. We monitor vendor changelogs, API documentation pages, and developer blogs for deprecation notices, breaking changes, and terms modifications. For fintech companies that depend on payment APIs, banking APIs, or data feeds, this prevents compliance gaps when vendor API terms change.
During OCC, FDIC, or state regulator examinations, you need to demonstrate ongoing vendor oversight. ManageVendors provides a complete audit trail: every vendor change detected, when it was detected, severity classification, and your team's documented response. This is exactly what examiners want to see.
Yes. PCI DSS Requirement 12.8 requires monitoring of service providers. We track when vendors add or remove sub-processors, change data handling locations, or modify their security certifications — all of which affect your PCI DSS compliance posture.
No — ManageVendors focuses specifically on continuous vendor monitoring and change detection. We complement GRC platforms by providing the real-time vendor intelligence feed that GRC tools lack. Think of us as the sensor layer that feeds into your broader risk management process.
Many enterprise vendors have separate terms for different products (e.g., AWS has distinct terms for each service). We monitor all publicly available terms pages for each vendor. You can configure which specific pages matter to your organization and set different alert priorities for each.
Build your vendor risk evidence trail
Automate vendor monitoring for SOX, GLBA, and PCI DSS. Get alerts when vendor terms change, APIs deprecate, or pricing shifts — with timestamped evidence for every change.
Start Free