Capital One’s acquisition of Brex highlights a shift in business payments toward software-driven spend management, virtual cards, and workflow automation beyond traditional card infrastructure.

After the first 90 days, compliance leadership shifts from reaction to strategy. This op-ed explores how trust, testing, and culture build lasting communications compliance impact.

Outdated mobile compliance systems are creating measurable financial, operational, and regulatory risk. This analysis examines the hidden costs of false positives, workforce friction, and enforcement exposure.