Regulatory compliance

In conjunction with our sister consultancy firm Flawless Money, we support fintech and financial services businesses in meeting their regulatory compliance obligations through clear, practical governance and control frameworks.

Compliance and Risk

We advise on the development and review of core compliance documentation, including compliance manuals and compliance monitoring programmes, designed to support effective ongoing regulatory compliance. We assist firms in establishing risk management structures, including risk policies and risk registers, to ensure regulatory and operational risks are identified, managed and appropriately documented.

AML CTF

We provide a comprehensive AML, CTF and sanctions compliance solution for payments, e-money and cryptoasset firms. We support clients in implementing risk-based financial crime frameworks, including tailored risk assessments, governance arrangements and the responsibilities of Money Laundering Reporting Officers (MLROs) and senior management. Our team drafts and reviews key policies and procedures covering customer due diligence, suspicious activity reporting, transaction monitoring and sanctions compliance. We also conduct AML audits and FCA readiness reviews, and deliver specialist training for staff, boards and nominated officers, helping firms meet supervisory expectations with confidence.

Safeguarding

We provide safeguarding compliance support for payments and e-money firms, helping clients put in place the arrangements regulators expect for the protection of customer funds. We assist with the development and review of safeguarding policies and controls under the Payment Services Regulations and Electronic Money Regulations, and with preparation for the FCA’s strengthened safeguarding regime, including the interim rules now in force and the move toward the full framework expected to apply from May 2026. Our focus is on practical implementation, ensuring firms have the systems, governance and documentation in place to meet supervisory expectations and protect customer funds effectively.

Wind-down planning

We help payments, e-money and financial services firms meet regulatory expectations on wind-down planning and operational continuity. We assist clients in developing credible wind-down arrangements that align with regulatory guidance, ensuring there are clear plans for an orderly exit that protect customers and support resilience. Our work includes reviewing existing arrangements, advising on governance responsibilities and documenting operational triggers, processes and controls that supervisors expect to see in place. By embedding wind-down considerations into broader risk and compliance frameworks, we help businesses demonstrate preparedness to both regulators and stakeholders.

Operational Resilience

We advise payments, e-money, cryptoasset and financial services firms on operational resilience requirements and the FCA’s regulatory framework in this area. We support clients in understanding their obligations, including the identification of important business services, the setting of impact tolerances and the governance expectations that apply. Our work includes advising on documentation, policy development and regulatory-facing materials, as well as supporting firms in preparing for supervisory scrutiny.

Consumer Duty

We advise regulated firms on Consumer Duty requirements and how they apply across products, services and customer outcomes. We help clients understand the four outcomes required by the FCA’s regime, including governance, product design, customer communications and post-sale support, and advise on the documentation and frameworks needed to demonstrate compliance. Our work includes reviewing existing policies and processes, drafting regulatory materials, and supporting firms in preparing for supervisory engagement on Consumer Duty matters.