Services

Everything you need to satisfy the regulator.

From a single authorisation to a fully retained compliance function — proportionate, senior-led and built to be evidenced. Choose a service or talk to us about a blended engagement.

01 — Authorisation

FCA Authorisation & Applications

We manage the full lifecycle of your application — scoping the right permissions, drafting a credible regulatory business plan, and preparing the financials and policies the FCA expects to see before you submit through Connect.

Discuss your application

What you receive

Permissions scoping & threshold-conditions assessment
Regulatory business plan & financial projections
Core compliance policy suite & SM&CR set-up
Connect submission & case-officer correspondence

02 — Financial crime

Financial Crime, AML & KYC

A complete financial-crime framework aligned to the Money Laundering Regulations 2017 and JMLSG guidance — from your business-wide risk assessment through to monitoring, screening and MLRO reporting.

Strengthen your controls

What you receive

Business-wide & customer risk assessments
CDD / EDD procedures & onboarding design
Transaction-monitoring & sanctions-screening tuning
Retained or interim MLRO support

03 — Governance

Governance, SM&CR & Consumer Duty

We operationalise senior-manager accountability and the Consumer Duty — translating principles into responsibilities maps, fair-value assessments and the board management information that lets directors attest with genuine confidence.

Operationalise your duty

What you receive

SM&CR set-up, SoRs & responsibilities map
Fair-value & target-market assessments
Outcomes-focused board MI pack
Annual Consumer Duty board report

04 — Retained

Outsourced Compliance

A senior compliance partner on a retained basis — ideal for firms that need credible oversight but aren't ready for a full in-house team. We run your monitoring plan, scan the horizon and handle regulatory correspondence as an extension of your business.

Explore a retainer

What you receive

Annual compliance monitoring programme
Regulatory horizon scanning & change alerts
Quarterly board & committee reporting
Named, accountable senior adviser

05 — Leadership

Fractional Leadership Services

Senior compliance leadership on a part-time basis — a fractional Chief Compliance Officer, Head of Compliance or MLRO who sits inside your business, owns the regime and represents you to the regulator, for a fraction of a full-time hire.

Add a fractional leader

What you receive

Fractional CCO / Head of Compliance / MLRO
Board & committee representation
Framework ownership & team mentoring
Regulator and auditor liaison

06 — Financial crime

Money Laundering Reporting Officer (MLRO) Services

A qualified, FCA-approved MLRO (SMF17) — retained or interim — to discharge your statutory financial-crime responsibilities, own SAR decision-making and deliver the annual MLRO report your board relies on.

Appoint an MLRO

What you receive

Approved-person (SMF17) MLRO appointment
SAR review, decisioning & NCA reporting oversight
Annual MLRO report to the board
Nominated Officer cover & escalation

07 — Licensing

Money Transmitter Licensing

End-to-end support for money-transmission and payments licensing — UK PI/EMI authorisation and US state Money Transmitter Licences (MTLs) — covering application strategy, documentation and multi-jurisdiction roll-out.

Plan your licensing

What you receive

US state MTL applications & bonding strategy
UK PI / EMI authorisation & registration
Multi-jurisdiction licensing roadmap
Policies, controls & ongoing reporting set-up

08 — Fintech & crypto

AML & Reporting Compliance for Fintech & Crypto

Specialist AML and regulatory-reporting consulting for fintechs and cryptoasset businesses — from FCA cryptoasset registration and the Travel Rule to transaction monitoring tuned for digital-asset risk.

Talk crypto compliance

What you receive

FCA cryptoasset (MLR) registration support
Travel Rule & VASP-to-VASP controls
Blockchain analytics & monitoring design
Regulatory & statistical reporting (REP-CRIM)

09 — Documentation

Policy & Procedure Development

A complete, proportionate policy and procedure suite written for your business — not generic templates — covering your full regulatory perimeter and built to be evidenced, version-controlled and actually used by your team.

Build your policy suite

What you receive

Full compliance policy & procedure suite
Tailored to your permissions & business model
Version control, ownership & review cadence
Staff-ready procedures & process maps

Also available

Specialist support, when you need it

UK GDPR & Data Protection

Data audits, DPIAs, ROPAs and DPO-as-a-service for ICO-ready data governance.

ISO 27001 Readiness

Gap analysis, ISMS design and audit preparation for certification.

Operational Resilience

Important business services, impact tolerances and self-assessment documents.

Financial Promotions

Sign-off frameworks and reviews aligned to the new approver-permission gateway.

Skilled Person (s166) Support

Remediation programme management and response support for s166 reviews.

Compliance Training

Board, SMF and staff training on financial crime, conduct and the Consumer Duty.

Engagement models

Ways to work with us

Project

A defined piece of work — an authorisation, a framework build or a health-check — delivered to a fixed scope and fee.

Fixed fee
scoped after a free call

Retainer

Outsourced compliance with a named senior adviser, monthly support and quarterly board reporting.

Monthly
from a fixed retainer

Interim

Embedded senior resource — an interim Head of Compliance or MLRO to cover a gap or scale a function.

Day rate
flexible commitment

FAQ

Questions we're often asked

No. Financial services is our core, but our governance, financial-crime and data-protection work supports any organisation with meaningful regulatory or risk obligations — including professional services and technology businesses.

Most engagements begin within a week of an agreed scope. Urgent matters — a looming deadline or a regulator request — can often be triaged within 48 hours.

Every engagement has a named senior adviser who remains accountable throughout. We are deliberately boutique so that experienced practitioners — not trainees — do the thinking.

Projects are fixed-fee against a clear scope; retainers are a fixed monthly amount; interim resource is a day rate. We agree all of this in writing before any work begins — no open-ended hourly billing.

Not sure which service you need?

That's exactly what the free scoping call is for. Tell us where you are and we'll point you to the shortest credible path.

Book a scoping call