This article was co-authored with Matthew Scott , Partner at Crawley MacKewn Brush LLP . We know our clients. We trust our advisors. We don't need bank-level structure. And that’s usually true, until it isn’t. All it takes is one regulator question you can’t answer quickly, one unexpected review, or one gap in supervision that snowballs into a regulatory issue. This doesn’t happen because of bad intent, but because trust and culture don’t scale without systems. The irony? The