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Compliance support that works in practice, not just on paper

Each service can be a one-off project or part of regular monthly support. Everything is scoped to your firm's size, risk and plans.

Consumer Duty and customer outcomes

Moving from implementation to evidence: showing your board and the FCA that customers are getting good outcomes in practice.

What's involved

  • Consumer Duty gap analysis and implementation plans
  • Outcome monitoring frameworks and management information
  • Price and value assessments
  • Consumer understanding and customer support reviews
  • Vulnerable customer policies and journeys
  • Voice of the Customer and feedback loops

What you receive

  • A clear outcomes framework with owners and MI
  • Evidence packs for the annual board assessment
  • Testing results and a prioritised action plan
  • Governance that makes outcomes part of everyday decisions

Financial crime and AML/CTF

Risk-based anti-money laundering and counter-terrorist financing frameworks, backed by quality assurance that shows they work.

What's involved

  • AML/CTF framework design and review against the Money Laundering Regulations and JMLSG guidance
  • Firm-wide risk assessments (FWRA), including board reporting
  • Customer and business due diligence (KYC/KYB) processes
  • Transaction monitoring and sanctions screening QA
  • SAR governance: internal reporting, review and NCA submissions
  • Support for your MLRO, drawing on Deputy MLRO experience

What you receive

  • Policies, procedures and risk assessments that match how you actually operate
  • Financial crime QA findings with clear remediation steps
  • MLRO and board reporting you can rely on
  • Frameworks that work across UK and EEA entities

Enterprise risk management and internal audit

A risk framework that gives leadership a real view of the business's risks, and independent internal audit that tests whether controls work.

What's involved

  • Enterprise risk management framework design and review
  • Risk registers: identification, assessment, ownership and review cycles
  • Risk reporting to senior leadership, committees and the board
  • Internal audit planning and risk-based audit programmes
  • Carrying out internal audits and reporting findings
  • Preparing for external audits and tracking findings to closure

What you receive

  • A risk framework and registers the business actually uses
  • Clear risk reporting that supports challenge and decisions
  • Audit reports with rated findings and agreed actions
  • Confidence going into external audits and regulatory reviews

Compliance monitoring and QA testing

Risk-based compliance monitoring programmes that give you assurance, and give auditors and regulators evidence.

What's involved

  • Compliance monitoring programme (CMP) design and optimisation
  • Control testing and quality assurance
  • Monitoring across UK and EEA entities
  • Audit and regulatory readiness reviews
  • Oversight of outsourced providers: due diligence and performance monitoring

What you receive

  • A monitoring plan tied to your regulatory risks
  • Test scripts, results and tracked actions
  • Clear reporting to senior management and the board
  • A control environment that stands up to audit

Governance and SM&CR

Governance structures that make accountability clear and give leadership the information it needs.

What's involved

  • Senior Managers and Certification Regime implementation
  • Responsibilities maps and statements of responsibilities
  • Board and committee reporting
  • Compliance governance, policies and controls

What you receive

  • Clear governance structures and committee terms of reference
  • SM&CR documentation that reflects how you're run
  • Reporting that supports challenge and good decisions

Complaints handling and quality assurance

Complaint handling that treats customers fairly, meets the rules and feeds lessons back into the business.

What's involved

  • Complaints framework and process reviews against DISP
  • Complaints QA and file checking
  • Root-cause analysis and trend reporting
  • Links to Consumer Duty outcome monitoring

What you receive

  • QA results and practical improvements
  • MI that shows where customers are struggling
  • Evidence of fair treatment and learning

Regulatory horizon scanning and change

Knowing early what's coming from the FCA, PSR, HM Treasury and the EU, and what it means for your firm.

What's involved

  • Daily horizon scanning across UK and EU sources
  • Impact analysis for payment and e-money institutions
  • Consultation responses and gap analyses
  • Planning and tracking regulatory change projects

What you receive

  • Regular briefings with in-force dates and deadlines
  • Immediate and longer-term actions for each change
  • Board-ready summaries

How horizon scanning works →

Financial promotions

Reviewing marketing and customer communications so they're clear, fair and not misleading.

What's involved

  • Review of websites, adverts, social media and customer communications
  • Financial promotions procedures and sign-off processes
  • Consumer understanding checks under Consumer Duty

What you receive

  • Clear, practical comments and suggested wording
  • A workable approval process for your team

Training and competence

Training that helps people understand the "why", from operational teams to senior leadership.

What's involved

  • AML and financial crime awareness training
  • Consumer Duty and customer outcomes training
  • Board and senior leadership briefings
  • Training and competence frameworks, including adviser file checking

What you receive

  • Sessions and materials tailored to your firm
  • Records that evidence competence

Insurance intermediary compliance

For brokers and intermediaries: the advice process, the people giving advice, and the governance around them.

What's involved

  • Oversight of the insurance advice process: file checks, call listening, demands and needs
  • Adviser management and training and competence (TC)
  • SM&CR design and implementation, certification and Conduct Rules
  • ICOBS, Consumer Duty and distributor product governance (PROD 4)
  • Appointed representative, network and supplier oversight

What you receive

  • Rated file review findings and adviser feedback
  • A T&C and SM&CR framework that fits your firm
  • Monitoring and MI that evidence good outcomes

Insurance intermediary support in detail →

FCA application support for new firms

Preparing the compliance side of an FCA application, so your submission is complete, consistent and ready to go.

What's involved

  • Compliance policies and procedures
  • Financial crime framework and risk assessment
  • Compliance monitoring plan
  • Governance, risk management and SM&CR documentation
  • Assembling and checking the submission pack

What you receive

  • A complete set of documents that fit together
  • Frameworks you can operate from day one once authorised

Not sure where to start?

Describe the challenge and I'll suggest a sensible first step, whether that's a short review or something bigger.

Get in touch