# We Build Products (WBP)

> We Build Products (WBP) is a specialist compliance-software company for BaFin-supervised financial institutions in Germany and the EU. Built by AML and payments-infrastructure operators, WBP turns the recurring regulatory obligations a regulated firm can't afford to get wrong into productized, accountable outcomes: run, reviewed, and defensible under audit and deadline pressure. Its flagship product, Regfiler, files FATCA and CRS (and soon DAC8) reports to the BZSt for you; a broader compliance product suite, including audit-defensible risk methodology, is rolling out behind it.

## What we build

- **Regfiler** — the flagship: done-for-you FATCA and CRS filing to the BZSt (DAC8 next), so a regulated firm files correctly and on time without building or maintaining the integration itself.
- **Risk methodology and audit-defensibility** — audit-defensible customer-risk models and the evidence that survives a BaFin examination (rolling out with design partners).
- **Platform trajectory** — one accountable place for the regulatory obligations a supervised institution owes. Specialist today, platform tomorrow.

## Where we publish

- [Blog](https://wbp.dev/blog/): practical guidance on FATCA/CRS/DAC8 filing, AML risk methodology, and BaFin compliance for regulated firms.
- [Whitepapers](https://wbp.dev/whitepapers/): in-depth analysis for compliance leaders.
- [The Missing Methodology Layer](https://wbp.dev/whitepapers/the-missing-methodology-layer): The structural gap in AML compliance programmes between risk assessment and operational controls — the primary source of BaFin §44 findings.
- [AMLR Article 10 — What Changes in July 2027](https://wbp.dev/whitepapers/amlr-article-10-what-changes-july-2027): The new EU Anti-Money Laundering Regulation and the risk-assessment methodology it mandates.
- [The Customer Risk Model Nobody Can Explain](https://wbp.dev/whitepapers/customer-risk-model-nobody-can-explain): Why explainability is now a regulatory requirement, not a nice-to-have, and how SHAP feature importance documents a model under BaFin scrutiny.
- [The FATCA/CRS/DAC8 Filing Gap](https://wbp.dev/whitepapers/fatca-crs-dac8-filing-gap): The operational gap between tax classification and BZSt submission — why most payment institutions underestimate the filing workflow.
- [BaFin's Proactive Mandate: The KYC/AML Blueprint](https://wbp.dev/whitepapers/bafin-kyc-aml-blueprint): How BaFin examinations have shifted from reactive findings to proactive design reviews.

## Who we serve

- **Funds and asset managers** (KVGs, AIFMs), especially those near the ~€500M BaFin-authorisation threshold — the customers we lead with.
- **Banks, payment institutions, and insurers** — other BaFin-supervised Reporting Financial Institutions, served on the same institution-agnostic filing and compliance jobs.
- **CASPs** (crypto-asset service providers) — as DAC8/CARF reporting obligations arrive.
- Decision-makers: **MLROs, CCOs, compliance teams, and CFOs** — the people who personally carry regulatory accountability.

## Regulatory frameworks we cover

BaFin (§44 KWG, MaRisk AT 4.2, AuA BT), GwG (Geldwäschegesetz), AMLR (EU Regulation 2024/1624), EBA RTS, FATCA, CRS, DAC8, FinCEN, FINMA, FCA SYSC/MLR 2017, MAS Notice 626.

## Contact

- Website: https://wbp.dev
- LinkedIn: https://www.linkedin.com/company/we-build-products/
- Location: Berlin, Germany