Compliance-first · Multi-bank platform
A multi-bank platform supporting accounts, payments, card issuing, treasury services, compliance oversight, and operational support.
Our mission is simple: enable clients to launch regulated financial products faster, safer, and more efficiently — through trusted bank partnerships and proven operational expertise.
Written by our founder
Sponsor banking, Banking-as-a-Service, compliance, payments, treasury operations, and what actually makes bank-fintech partnerships succeed — written by Brian D. Murrow, founder & CEO of Murrow Banking Services.
The principles in the book form the foundation of the MBS operating model, reflecting decades of experience helping banks, fintechs, and enterprises launch and scale financial products.
Why Murrow Banking Services
Most providers bolt compliance onto technology. We built the platform the other way around.
A curated ecosystem of partner banks designed for growth, flexibility, and resilience — never a single point of failure.
Built by banking executives, auditors, and compliance professionals. Oversight is the architecture, not an add-on.
Technology, compliance, operations, treasury, and program management in a single environment.
Dedicated experts helping clients scale safely and efficiently — from onboarding to regulatory reporting.
Core platform capabilities
FDIC-insured account programs, FBO structures, trust accounts, and digital wallet solutions.
Explore accountsACH, RTP, FedNow, domestic and international wires, vendor payouts, and consumer disbursements.
Explore paymentsLiquidity management, cash concentration, treasury reporting, and payment optimization.
Explore treasuryAML, KYC, fraud monitoring, governance, and continuous regulatory oversight.
Explore complianceCustomer support, onboarding, reporting, and full program administration.
Explore operationsWho we serve
Sponsor-bank access, program management, compliance oversight, and payment infrastructure — so you can ship regulated products.
Solutions for fintechsTreasury expansion, fintech partnerships, embedded banking programs, and digital transformation support.
Solutions for banksCustomer payments, vendor payouts, marketplace settlement, and employee financial programs — inside your experience.
Solutions for enterprisesThe network
Clients connect once to MBS. The orchestration layer routes accounts, payments, and programs across a diversified network of partner banks — with compliance and operations built into every flow.
One platform · Many banks · No single point of failure
Thought leadership
The biggest differentiator between a fast-scaling fintech and a stalled one isn't code — it's the bank partnership. Choosing the right sponsor, aligning incentives, and standing up day-one governance decide whether you scale cleanly or spend 18 months in compliance cycles.
Read on LinkedIn →Vendor due diligence isn't a compliance chore — it's a competitive advantage. How structured DDQs, reference architectures, and pre-vetted partners turn onboarding from months into weeks while keeping your program regulator-friendly.
Read on LinkedIn →In embedded finance, APIs don't just move data — they enforce controls, generate audit evidence, and signal risk to sponsor banks. Clean APIs lead to clean ledgers, clean reconciliation, and clean audits.
Read on LinkedIn →A launch doesn't fail at go-live — it fails in the weeks before. Disciplined pilot runbooks across accounts, payments, wallets, cards, and RTP turn testing from hope-and-duct-tape into a predictable, auditable path to production.
Read on LinkedIn →Leadership
Meet the senior banking, compliance, risk, technology, treasury, and payments professionals behind Murrow Banking Services. Decades inside top financial institutions and regulatory bodies, now building the infrastructure they always wanted to work with.
30+
Years of financial-services experience across the founding team
6
Platform capability areas under one governance model
5+
Payment rails supported, domestic and international
1
Orchestration layer connecting clients to a network of banks
Get started
Tell us whether you're a fintech, a bank, an enterprise, or a prospective partner — we'll route you to the right conversation.