Financial Services · Saudi Arabia · 80 Employees
A Fintech Company That Needed to Pass a SAMA Audit in 90 Days — and Did
The Situation
A growing business. A looming deadline. And no clear path forward.
When the operations director first reached out to us, their exact words were: "We have an audit in nine weeks and we don't really know where to start." That kind of honesty is something we always appreciate. It tells us a business is serious about solving the problem rather than just looking for someone to rubber-stamp a document.
The company had grown quickly over the previous 18 months. Revenue was up, headcount was growing, and the product was genuinely good. But that growth had outpaced the business's security and compliance infrastructure. Controls were inconsistently applied. Policies existed in some areas and not at all in others. And nobody had a clear picture of the full regulatory requirement they were being measured against.
The SAMA Cybersecurity Framework is detailed and demanding, particularly for businesses operating in the payments space. Passing it is achievable — but only with a structured approach and someone who has been through the process before.
We spent the first week running a full gap analysis against the SAMA CSF requirements and the Saudi PDPL simultaneously. Every control domain was assessed. Every policy document was reviewed. The gaps were mapped against risk severity and business impact rather than just compliance categories — because not all gaps are created equal when time is short.
With a comprehensive gap map in hand, we worked with the leadership team to assign ownership for every action item. We made a deliberate decision to sequence remediation based on audit risk rather than effort — closing the issues most likely to generate critical findings first, regardless of how straightforward or complex they were.
For six weeks, our team worked directly alongside theirs. We wrote and implemented policies, configured technical controls, worked with their cloud provider on access management, and restructured their data handling procedures. When their team had questions, we answered them the same day. Nothing was left to sit in a queue.
In the final week, we conducted a full mock audit internally to identify any remaining gaps before the real thing. We prepared the evidence packs, briefed the relevant team members on what to expect, and were available on audit day to support wherever needed.
The Outcomes
Zero critical findings. Full compliance. An internal team that now understands their own controls.
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The audit passed with zero critical findings. The auditors noted the quality of the documentation and the consistency of the controls as particularly strong areas.
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Full Saudi PDPL alignment was achieved as a secondary outcome of the engagement, giving the business compliance coverage well beyond the audit scope.
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The internal team was genuinely upskilled. Every team member involved understood the controls they were maintaining and why those controls existed — not just how to answer auditor questions.
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A Virtual CISO retainer followed to maintain their compliance posture on an ongoing basis. The operations director described it as "finally having a security person we can actually call."
"Nine weeks felt impossible from where we were sitting when we first called. We passed without a single critical finding. I genuinely didn't think that was achievable in the time we had, and I told them that on the first call. They disagreed, and they were right."
Payments Company, Riyadh, Saudi Arabia