Practitioner-led compliance.
We ran regulated firms before we advised them. Every engagement leaves a working system behind, not a report.
Services
AI governanceGovernance for the AI your firm already uses: an inventory, materiality ratings, monitoring after deployment as well as before, oversight of third-party AI, and the Consumer Duty and SM&CR evidence the FCA will ask for.Retained complianceSenior practitioners on retainer for any FCA-regulated firm, with gap analysis, policy reviews and FCA correspondence handled for you.AuthorisationApplications for permission, variations of permission, change in control and senior manager approvals, with the business plan and policies that survive the FCA's questions.Consumer DutyWe set up outcomes monitoring that answers the four outcome tests from your own data, and produce the report your governing body has to approve every year.ComplaintsWe run or rebuild your complaints process, meet the DISP clocks, calculate redress, and turn complaints into the root-cause evidence DISP asks for.Financial promotionsPre-publication review of every channel against the financial promotion rules, an approval record for each version, and checks that old versions are not still live.Arrears and vulnerabilityWe rebuild collections policy and the arrears record so every account shows individual circumstances, a sustainable arrangement and the right treatment of interest.SM&CRStatements of responsibilities, certification, regulatory references and conduct rules training, scaled to whether you are a limited-scope, core or enhanced firm.AR oversightAnnual and triggered reviews of each appointed representative, the governing body's self-assessment document, scope control and the records to prove it.Regulatory reportingReturns and product sales data prepared from your systems and reconciled line by line, with PSD files validated against the FCA's own schema before you submit.FCA Business AuditA quality-assurance review of your policies, governance and controls, internal audit and QA, and fair treatment of customers including vulnerability, with a cited findings report and a remediation plan.TrainingConduct rules, Consumer Duty, complaints identification, vulnerability and financial promotions, delivered online or on site, with records for competence and SM&CR.
How an engagement runs
- 1
Scoping call: what the FCA will ask, and what you have.
- 2
Gap review against the Handbook, cited.
- 3
Remediation we implement with your team.
- 4
An evidence pack and, where it fits, Guardian to keep it current.
Monthly instalment plans are available for every engagement. Operational incident and third-party reporting rules apply from 18 March 202737.
Talk to someone who has done your job.
A 30-minute call, no deck. Bring the problem; we will tell you what we would do.