Compliance Program Specialist · Soflo Consulting
Sofia Delgado is a Compliance Program Specialist at Soflo Consulting with expertise in mortgage lender AML requirements, Florida-specific regulatory obligations, and small business compliance program design. She works with non-bank mortgage lenders, title companies, and real estate professionals to build practical, examiner-ready compliance programs that fit the operational realities of smaller organizations. Sofia is a recognized expert on FinCEN's Geographic Targeting Orders and their impact on South Florida real estate transactions.
3 articles by Sofia Delgado
Small businesses that fall under the Bank Secrecy Act often assume that AML compliance is for big banks with dedicated compliance departments. That assumption is one of the most expensive mistakes in financial compliance. Regulators apply the exact same five-element framework to a 10-person MSB that they apply to a regional bank.
March 1, 2026
Mortgage loan originators sit in one of the most unusual compliance positions in financial services - subject to BSA obligations but processing transactions that look nothing like a bank's. The regulatory framework was designed with banks in mind, but you're expected to apply it anyway. Here's what that actually means for your operation.
February 5, 2026
Florida's proximity to Latin America, its concentration of international capital, and its cash-intensive economy make it one of the most scrutinized states in the country from an AML perspective. Here's what operating a financial business in Florida means for your compliance obligations in 2026.
December 5, 2025
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