Strategic Solutions for Every Business

Expertise & Capabilities

At Business and Financial Consulting Services (BFCS), we partner with clients to design and implement solutions that strengthen their operations, improve performance, and support long-term growth.

Our team combines business strategy, financial expertise, technology, and regulatory knowledge to serve organizations across industries — including finance, hospitality, retail, professional services, technology, and startups.

We deliver practical, results-driven solutions tailored to each client’s needs.

 

Our Expertise Covers:

 

1. Business Planning & Strategy

• Development of professional business plans for investors, lenders, or internal guidance. 
• Feasibility studies, market research, and financial projections. 
• Strategic planning for growth, restructuring, and expansion.
•  Business model evaluation and process improvement strategies. 

 

2. Project Management

• End-to-end project planning, execution, and oversight.
• Cost management, scheduling, and risk assessment.
• Implementation of Agile, Scrum, and PMBOK-based methodologies.
• Performance tracking and reporting to ensure successful outcomes.

 

3. Accounting & Financial Management

• Comprehensive accounting and bookkeeping services.
• Financial reporting, budgeting, and analysis
• Implementation of accounting systems and internal control processes. 
• Financial performance assessments and cash flow optimization.
• Financial Statements.

 

4. Audit Services

• Internal audit planning, execution, and reporting.
• Compliance and operational audits to ensure efficiency and accountability.
• Risk-based audit reviews and internal control evaluations. 
• Audit readiness and assistance for external or regulatory examinations.

 

5. Training & Capacity Building

• Customized training programs in compliance, leadership, customer service, and operations.
• Professional development workshops for management and staff.
• Team-building and performance improvement initiatives. 
• On-site and virtual learning experiences designed to strengthen organizational capacity.

 

6. Business Formation & Structuring

• Incorporation and registration of entities in Puerto Rico and abroad.
• Design of organizational structures and governance frameworks.
• Assistance with licensing, permits, and regulatory documentation.
• Support for entrepreneurs and established businesses expanding operations. 

 

7. Information Technology & Digital Solutions

• Website development, hosting, and digital branding
• IT system assessment, integration, and modernization consulting.
• Process automation and workflow digitalization.
• Cybersecurity guidance and technology-driven performance improvement. 
• Artificial Intelligence (AI) Integration: Advisory on the use of AI tools to optimize operations, enhance decision-making, and improve customer engagement. 
• AI-Driven Efficiency Solutions: Assistance in adopting automation, data analytics, and intelligent systems to streamline business processes and reduce costs.

 

8. Policies, Procedures & Compliance

• Creation of internal policies, operational manuals, and risk management frameworks. 
• Development of compliance programs tailored to industry regulations.
• Governance, oversight, and audit support for internal control environments.
• Advisory on BSA/AML, OFAC, data protection, and corporate ethics.
• BSA/AML & OFAC Risk Assessments.
• System calibrations.
• Independent Testing.
• Tailored trainings.
• Technical validations.
• Staffing assessments.
• QC processes.
• Correspondent Banking internal controls.
• and more. 

 

At BFCS, we continually expand our range of services to meet evolving business needs — from strategic advisory and transformation initiatives to specialized compliance and financial solutions.

 

OUR COMMITMENT

Every project we undertake is guided by professionalism, integrity, and measurable results.

Whether we’re helping a startup define its strategy, auditing internal processes, or implementing AI-powered digital tools, BFCS is dedicated to building value, trust, and sustainable success for every client.

Team building

At Business and Financial Consulting Services (BFCS), we believe that a strong team is the foundation of every successful organization — including ours.

We take pride in cultivating a collaborative environment where knowledge, innovation, and professionalism come together. Each project we undertake is driven by our team’s dedication, expertise, and passion for excellence.

 

As we continue to expand our range of services and areas of expertise, we remain committed to building meaningful relationships with our clients and partners.

 

Our team is composed of experienced professionals with expertise across multiple sectors, including—but not limited to—project management, local and international business, technology, finance, accounting, auditing, and regulatory compliance such as BSA/AML and OFAC.

 

While our background includes extensive experience in the banking and financial industry, our professionals bring a broad understanding of how businesses operate across different fields. We have worked with clients in diverse sectors such as hospitality, retail, professional services, and technology, allowing us to adapt our knowledge to a wide range of business models and operational environments.

 

This multidisciplinary perspective enables BFCS to deliver practical, innovative, and customized solutions that go beyond traditional financial consulting—helping organizations of all kinds strengthen their operations, enhance performance, and achieve sustainable growth.

Together, we combine knowledge and passion to deliver results that matter.

We value transparency, trust, and continuous learning — the same principles we apply when helping our clients strengthen their own teams.