Governance, Risk & Controls Services in Croatia
At ABM Global Compliance, we help payment institutions strengthen governance structures, improve enterprise risk management, enhance internal controls, and build resilient compliance frameworks that support sustainable business growth. The Payment System Act requires payment institutions to maintain an effective and reliable governance system proportionate to the nature, scale, and complexity of their activities.
Strengthening Governance & Operational Resilience
Strong governance, effective risk management, and robust internal controls are essential for Electronic Money Institutions (EMIs), Payment Institutions (PIs), and payment service providers operating in Croatia. Firms are expected to establish governance arrangements that support prudent decision-making, operational resilience, and ongoing regulatory compliance. Strong internal controls also enhance regulatory confidence and reduce compliance risk.
An effective governance framework enables organisations to identify risks, strengthen oversight, improve operational resilience, and support informed decision-making. At ABM Global Compliance, we help payment institutions strengthen governance structures, improve enterprise risk management, enhance internal controls, and build resilient compliance frameworks that support sustainable business growth. Our practical, risk-based approach supports sustainable growth.
Our Governance, Risk & Controls Services
An effective governance framework enables organisations to identify risks, strengthen oversight, improve operational resilience, and support informed decision-making. Strong internal controls also enhance regulatory confidence and reduce compliance risk.
Governance, Risk & Compliance (GRC)
Integrated Governance, Risk & Compliance frameworks that strengthen oversight, regulatory accountability, and compliance monitoring.
Enterprise Risk Assessment Support
Enterprise-wide risk assessments covering operational, compliance, technology, financial crime, outsourcing, and emerging risks.
Internal Controls & Compliance Monitoring
Practical internal controls & compliance monitoring for payment and e-money institutions operating in Croatia.
Outsourcing & Third-Party Risk Management
Outsourcing & Third-Party Risk Management covering third-party service providers and including due diligence.
Ready to Strengthen Your Compliance?
Why Payment Institutions in Croatia Choose ABM
Croatian Payment Services Expertise
Croatian Payment Services Expertise tailored to payment and e-money institutions operating in Croatia.
Practical Governance Solutions
Commercially practical governance and control frameworks that integrate seamlessly into business operations.
Tailored Risk Frameworks
Every engagement is customised to your business model, governance arrangements, and regulatory obligations.
Building a Resilient Governance Framework
Strong governance, effective risk management, and robust internal controls provide the foundation for sustainable growth in Croatia’s payment services sector. By strengthening oversight and proactively managing risk, firms can improve operational resilience, reduce regulatory exposure, and build lasting confidence with regulators and customers.
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Trusted and Loved by Our Clients Across the Europe
Businesses across Europe trust ABM to guide their licensing, strengthen their frameworks, and keep their compliance on track. Here is what founders, compliance officers, and executives say about working with our team.
Years Of Expertise
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Tell us about your business and regulatory needs. One of our compliance specialists will respond within one working day with clear, practical next steps.
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A confidential conversation about your licensing plans, compliance challenges, or regulatory questions, with no obligation attached.
Your Questions Answered
What does a GRC framework include?
Clear governance structures with defined responsibilities, a risk management process that monitors what matters, and internal controls with compliance monitoring proving the framework works.
How much governance does the HNB expect?
Proportionate but genuine: arrangements scaled to your size and complexity, with real accountability, independent oversight where required, and evidence the framework operates daily.
What is third-party risk management?
Structured oversight of outsourcing and critical providers: due diligence, contractual protections, ongoing monitoring, exit planning, and a live register. Responsibility is never outsourced.
How do internal controls get tested?
Through compliance monitoring programmes and independent reviews that confirm controls operate as designed, not merely that they exist on paper.
Can governance scale as we grow?
It has to. We design frameworks with growth in mind, so new products, markets, and headcount extend the existing structure rather than forcing rebuilds.