Hui-Ting Chao
Principal · former banking examination support, Taipei
Leads payment control and examination dry-run engagements. Focuses on how evidence packs read to someone who was not in the room when the control was designed.
Practice
A Miaoli practice built for fintech ledgers under scrutiny
Oak Ledger Standards grew from examination prep work for remittance and wallet operators who needed auditors fluent in settlement cut-offs, float accounting, and the paperwork Taiwan reviewers actually request.
Origin
Why we stay close to the books
Fintech audits fail when they stay at policy level. Our early engagements showed that examiner questions land on the reconciliation owner’s desk, the suspense account aging report, and the exception log from last Tuesday — not on a risk heatmap.
We keep the practice deliberately small: senior reviewers who still sample batches themselves, write findings letters in plain language, and decline work outside payment, lending, and stored-value money paths.
People
Reviewers who still open the binder
Marcus Yeh
Senior auditor · ledger integrity & lending books
Walks loan and FX ledgers from application to write-off. Known for refusing to close findings until cut-off rules are demonstrated with live batches.
Priya Tan
Engagement manager · client liaison & fieldwork logistics
Coordinates on-site days, document rooms, and management debriefs. Keeps scoping honest about what two weeks of fieldwork can and cannot cover.
How we work with clients
We assign a named reviewer, agree a sampling plan before fieldwork, and share draft findings while the engagement is still open — so remediation can start before the final letter.
We do not sell annual retainers that quietly become unused hours. Follow-up checks are discrete engagements after findings are closed.
Values that show up in the letter
- Evidence over assertion — if it is not in the binder, it is not done.
- Cash and customer-money risk ranked above cosmetic policy gaps.
- Language a board can read without a glossary.
- Respect for operators under real licensing pressure in Taiwan.
Talk with the practice
Office visits by appointment at our Miaoli address. Most scoping calls begin by phone or email.
Contact Oak Ledger