Licensing & Compliance
Our commitment to complianceContact us with questions
Compliance is at Rippling’s core
Compliance has been hardwired into Rippling’s DNA from day one. We've worked with industry experts and many lawyers to design a cutting‑edge infrastructure. Rippling is a company we can all be proud to work for, and we’ve gone to great lengths to make sure every part of our business stays compliant by implementing redundant controls and safeguards. Here you'll find all of our up-to-date licensing information.
Explore our up-to-date licensing information
Like many other companies in our industry, Rippling maintains a separate insurance subsidiary that’s fully licensed to sell insurance across the United States. That subsidiary is called Rippling Insurance Services, Inc. (formally known as Waveling Insurance Services, Inc.).
Every employee who sells insurance is also properly licensed—their licensing information is available here and is updated daily. While selling insurance is a small part of Rippling’s overall business (less than 10% of our revenue), we strictly maintain the integrity of licensed insurance activities by separating them from the rest of the business. Our business structure—a fully licensed insurance agency subsidiary of a parent company that has non-insurance operations—is considered a best practice and is the same one used by our peers.
Among other things, it makes it easier to ensure the integrity of licensed activities, and to make sure that individuals transacting insurance are supervised by licensed personnel. To that end, Rippling Insurance Services has its own management team who report to Rippling's Insurance and Regulatory Committee. Rippling Insurance Services, Inc. and its president are fully licensed in all 50 states and D.C., although we only broker insurance products in 34 states. That means our insurance entity has been reviewed and licensed by each and every state insurance regulatory agency.
Rippling PEO enables small and mid-size businesses to provide their employees with professional employer organization (PEO) services, such as access to better, more affordable benefits and comprehensive HR services—payroll, compliance, and workers’ compensation. Rippling PEO (legally known as Rippling PEO 1, Inc.) is a wholly-owned subsidiary and maintains all required licenses and surety bonding to support and ensure the reliability of its PEO operations.
While the rules governing PEOs are unique and complex, Rippling PEO stays ahead of the curve by participating in leading industry groups like the National Association of Professional Employer Organizations (NAPEO), leveraging Employer Services Assurance Corporations (ESAC) regulatory and compliance tools, building in-house technology to automate compliance notices across the United States, and working with trusted PEO leaders and advisors with decades of experience in the PEO industry.
As a provider of world-class payroll services, ensuring the integrity of our payments platform is of paramount importance.
Rippling maintains a robust Anti-Money Laundering program incorporating automated transaction monitoring and other controls to detect and report suspicious activity and meet relevant regulatory requirements. As part of this program, Rippling utilizes automated sanctions screening to prevent terrorist financing through our platform and enhanced due diligence procedures to meet Know Your Customer requirements.
Rippling is also committed to robust fraud detection and risk mitigation to ensure a safe and healthy financial ecosystem. Specifically, Rippling has developed a prevention, detection, and investigation program to identify and control credit, fraud, and operational risks and protect our customers, their employees, and our partners from bad actors.
Rippling collaborates with trusted fintech advisors and regulatory counsel to stay current with the legal landscape and industry best practices, and regularly tests our systems with independent audits of our payroll platform and controls.
As part of Rippling's on-going efforts to enhance its payroll program, Rippling is seeking money transmitter licensing, where applicable, for its wholly-owned subsidiary Rippling Payments, Inc., with plans to provide its payroll services through the Rippling Payments entity in the future.