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Insight-Driven Business Strategy We help clients understand market trends and customer behavior by analyzing data and competitor activity. This allows them to make informed decisions and identify opportunities before competitors. Market Analysis & Competitive Intelligence: He evaluates dozens of markets and competitor strategies, identifying opportunities and risks. Reflective Strategy & Continuous Improvement: By analyzing outcomes, clients adjust operations, financial planning, and business strategy, resulting in measurable improvements in decision-making. Proven Outcomes: Clients prioritize 2+ actionable opportunities, optimize resources, and grow sustainably. CLIENTS Industries: Financial Services, FinTech, Banking, Lending, Debt Collection, Fraud Examination, Semiconductor construction, Fastener manufacturing, Mold machinery, Toy trading, CCTV manufacturing, Solar plant construction Countries: United States, Germany, Czech Republic, Slovakia, Taiwan, China, Hong Kong, Singapore, India, Indonesia, Philippines, Thailand, Malaysia, Saudi Arabia Keywords: Market Analysis, Competitive Intelligence, Business Strategy, Cross-Border Market Insights, Strategic Decision-Making, Operational Optimization

Best Practice Financial Services We help clients implement U.S.-based lending practices and ensure alignment with federal regulations and best practices. Portfolio Management: We have advised 1+ clients on structuring loans, underwriting, and monitoring portfolios according to U.S. standards, improving compliance and operational efficiency. Risk & Compliance: By applying GAAP accounting, FDCPA compliance, and financial forensics, we help reduce default risk and fraud incidents, protecting client assets and reputation. Operational Guidance: Clients receive support in loan structuring, automated and manual underwriting, and portfolio monitoring to maintain ethical, profitable, and fully compliant lending operations. Keywords: United States Lending, U.S. Lending Standards, GAAP Compliance, FDCPA, Portfolio Management, Risk Mitigation, Loan Structuring

Safeguard Reputation We help clients establish and protect their brand in the lending and financial services sectors. We guide them on brand positioning, reputation management, and how to attract deposits or investors without affecting profitability. Brand Impact On Business: A strong, reputable brand allows banks to attract deposits without increasing interest rates, improving liquidity and P&L outcomes. Risk Mitigation: We identify branding risks, advise on messaging, and implement safeguards, ensuring consistent brand recognition across regions. CLIENTS Industries: Financial Services, FinTech, Banking, Lending, Debt Collection, Fraud Examination, Semiconductor construction, Fastener manufacturing, Mold machinery, Toy trading, CCTV manufacturing, Solar plant construction Countries: United States, Germany, Czech Republic, Slovakia, Taiwan, China, Hong Kong, Singapore, India, Indonesia, Philippines, Thailand, Malaysia, Saudi Arabia Keywords: Brand Awareness, Reputation Management, Financial Institutions, Risk Mitigation, Market Positioning, Lending Brand

Corporate Controller / Finance Leadership Part-Time CFO & Finance Leadership Services We act as your dedicated CFO, Corporate Controller, Finance VP, Finance Director, or Finance Manager to identify financial, operational, and strategic issues for your U.S. company. Financial Oversight & Accounting: Leveraging over 20 years of experience across fintech, lending, semiconductors, and international operations, we review accounting, GAAP compliance, cash flow, and financial statements. Our team—including management accountants—helps uncover inefficiencies and optimize financial performance. Strategic Guidance & Forecasting: We provide actionable insights on budgeting, forecasting, scenario modeling, and investment decisions to support growth, profitability, and portfolio performance. Our approach aligns finance with business strategy to maximize shareholder and operational value. Operational Support & Internal Controls: We help improve internal controls, compliance, risk management, and reporting. With hands-on experience managing teams of 10–600+ across multiple regions (US, Asia, Europe), we ensure finance operations run efficiently while maintaining transparency and accuracy. Industry & Project Experience: We have led projects in lending portfolio management, NPL recovery, fintech platforms, and cross-border financial consolidation. Past achievements include managing $100M+ portfolios, implementing cash flow and risk management frameworks, and overseeing multi-country accounting consolidations. CLIENTS Industries: Financial Services, FinTech, Banking, Lending, Debt Collection, Fraud Examination, Semiconductor construction, Fastener manufacturing, Mold machinery, Toy trading, CCTV manufacturing, Solar plant construction Countries: United States, Germany, Czech Republic, Slovakia, Taiwan, China, Hong Kong, Singapore, India, Indonesia, Philippines, Thailand, Malaysia, Saudi Arabia Keywords: Fractional CFO, Corporate Controller, Finance VP, Finance Director, Finance Manager, GAAP, Financial Planning, Forecasting, Budgeting, Risk Management, Cash Flow Optimization, Accounting, Strategic Finance, NPL Recovery, Portfolio Management, Cross-Border Finance

Portfolio Risk & Performance Management We help lenders structure and manage delinquency buckets to improve portfolio performance and control risk. Bucket Setup: We assist clients in defining overdue loan categories (e.g., 1–5 DPD, 5–30 DPD, 31–60 DPD, 90+ DPD) according to accounting standards and market best practices, while identifying potential yellow and red flags in portfolio performance. Roll Rate Management: By monitoring roll rates based on time, overdue fees, interest, and installment amounts, we help financial institutions anticipate portfolio movements and manage risk more efficiently. Provision Optimization: We guide clients in estimating and managing portfolio provisions as overdue receivables move between buckets, directly influencing net lending results and overall profit and loss. Keywords: Delinquency Buckets, Roll Rate Management, Portfolio Provisions, Loan Overdue, Risk Management, P&L Optimization, DPD Tracking, Financial Performance

Accurate Compliance With Client Pricing We can adapt clients’ systems to fully respect in-house fee and penalty structures, ensuring accurate tracking of charges, fees, and interest as originally underwritten. System Alignment: Our team customizes 100% of the loan management system to capture each fee, charge, and interest accurately, maintaining consistency with client policies. Client-Centric Approach: By respecting the client’s underwriting methodology, we help manage 12+ fee types per portfolio, ensuring accurate billing and improving overall compliance. Quality Assurance: Regular audits and monitoring ensure no missed fees or misapplied penalties, supporting precise portfolio valuation and revenue integrity. Keywords: Fee Management, Penalty Structure, Loan Compliance, Portfolio Accuracy, Underwriting Support, Financial Operations, Revenue Integrity

Learn From Market Leaders We help clients monitor competitors, learn from their actions, and make informed decisions to maintain or improve market position. Competitor Analysis: By monitoring 3+ key competitors in each market, we track pricing, product offerings, and marketing approaches to identify strategic advantages. Actionable Insights: Our team translates data into actionable recommendations, helping clients optimize operations, reduce risks, and increase market share by up to 10%. Strategic Connections: We facilitate connections and knowledge sharing with industry peers, enabling clients to anticipate trends and stay ahead in competitive environments. Keywords: Competition Intelligence, Competitor Analysis, Market Insights, Strategic Advantage, Risk Mitigation, Business Optimization, Market Share Growth

Due Diligence Support Other than employees background check. We help clients assess and verify companies before entering into partnerships, investments, or contractual agreements. Due Diligence Services: Corporate Verification: Confirm company registration, ownership, and legal status. Financial Assessment: Review publicly available financial statements, credit history, and payment behavior to evaluate stability and risk. Operational Review: Analyze business operations, market presence, and reputation within the industry. Compliance Check: Identify potential regulatory issues, sanctions, or litigation history that could affect business relationships. Operational Benefits: Our background checks reduce risk exposure, prevent fraud, and support informed decision-making, ensuring that every engagement is based on verified information. CLIENTS Industries: Financial Services, FinTech, Banking, Lending, Debt Collection, Fraud Examination, Semiconductor construction, Fastener manufacturing, Mold machinery, Toy trading, CCTV manufacturing, Solar plant construction Countries: United States, Germany, Czech Republic, Slovakia, Taiwan, China, Hong Kong, Singapore, India, Indonesia, Philippines, Thailand, Malaysia, Saudi Arabia Keywords: Background Check, Company Verification, Due Diligence, Corporate Risk, Compliance, Fraud Prevention, Financial Assessment

Responsible Lending Practices We help clients implement responsible social lending practices, focusing on interest-free loans and ethical credit solutions. Interest-Free Lending: Our team help to guide organizations in structuring loans without interest, ensuring compliance with ethical and local regulatory frameworks. Risk Mitigation: By analyzing borrower profiles and portfolio performance, we help reduce default risk while promoting responsible lending. Community Impact: Clients improve financial access for underserved groups, supporting dozen+ borrowers per program while maintaining sustainability and transparency. Keywords: Social Lending, Ethical Loans, Interest-Free Lending, Responsible Finance, Risk Mitigation, Community Finance, Fair Lending

R&D Support We help clients plan, execute, and optimize research and development for machinery, ensuring projects succeed from concept to implementation. Services Provided: R&D Planning: Define clear goals, timelines, and resource allocation for machinery projects. Process Optimization: Advise on design, prototyping, and testing to improve efficiency and performance. Cross-Continental Collaboration: Facilitate collaboration between teams across regions to leverage expertise and resources. Technology & Innovation Guidance: Recommend advanced machinery technologies and best practices for competitive advantage. Operational Benefits: Our support reduces development risks, shortens time-to-market, and enhances machinery performance through structured R&D management. Keywords: Machinery R&D, Innovation, Prototyping, Cross-Regional Collaboration, Process Optimization

Relevant Leads, No Inflated Lists, Quality Over Quantity We source prospects using direct market research and outreach, our focus is on finding real contacts with authority to engage, drawing on experience managing 80+ professionals and multiple cross-border projects. Results: Clients receive actionable, high-quality leads that drive meetings, partnerships, and revenue growth. CLIENTS Industries: Financial Services, FinTech, Banking, Lending, Debt Collection, Fraud Examination, Semiconductor construction, Fastener manufacturing, Mold machinery, Toy trading, CCTV manufacturing, Solar plant construction Countries: United States, Germany, Czech Republic, Slovakia, Taiwan, China, Hong Kong, Singapore, India, Indonesia, Philippines, Thailand, Malaysia, Saudi Arabia Keywords: Prospect Sourcing, Lead Generation, Market Research, Verified Leads, Cross-Border Business, Debt Recovery, FinTech, Business Development

We lead expansion of your company to the United States. You will enjoy $4.1 trillion market of California, $3.1 trillion combined New York + New Jersey market or $2.8 trillion Texas market. About Us: We have, since 1997 build, managed and owned 10s of business around the globe. From historical Europe, over growing Asia, mysterious MENA up to rich Americas. 27 countries with 27 successful stories. Tears, sweat, hard work, flights, deals, enforcement, cultural sensitivity. How we lead the expansion: • whole market map, from the first supplier up to the top customer • we study relevant resources for hours to be an industry professional • we attend conferences, exhibitions and seminars • we train your staff before the video call with potential customer • we manage first sample delivery between you and your potential customer • we disclose the prices of your competitors and work on price negotiation • we help the structure legally enforceable deals through the network of attorneys we help you to control • we advise on collection of receivables • we identify business fraud and cure it Why we know it works: The moment you have your dream customer on a video call - the whole dynamics change The most common challenges: • websites are not professional enough to attract dream customers • the dream customer is not a proper customer - once seen the market map • focus on price instead of quality • low pressure on legal agreements book meeting -> https://cal.com/kamil-knap-meetings/liang-knap-60-minutes