1. Financial Crime Compliance
Comprehensive AML/CTF audits, Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) remediation, PEP alert backlog clearing, sanctions screening, and transaction monitoring alert optimisation.
2. Complaints & Claims Handling
Surge capacity to eliminate DISP 8-week backlog breaches, root-cause reduction, claims management company (CMC) challenge frameworks, and Financial Ombudsman Service (FOS) overturn defense.
3. Redress & Remediation Programmes
Actuarial loss modelling directed by Fellow actuaries (FIA), complex calculation engines for DB pensions, motor finance DCA commission, and Plevin PPI, followed by customer communications and disbursements.
4. Compliance AI & RegTech Governance
Safe AI adoption, model risk validation, algorithmic bias testing, explainability standards, and automated transcription tools that elevate file review throughput by over 500%.
5. Section 166 Skilled Person Reviews
Diagnostic readiness assessments prior to formal intervention, shadow reviews during Skilled Person investigations, and full remediation execution to fulfill FCA requirements and secure formal sign-off.
6. Consumer Duty (Principle 12)
Comprehensive support across all four outcomes: Products & Services, Price & Value, Consumer Understanding, and Consumer Support. Annual Board Report authoring, review, and challenge.
7. Suitability & Advice File Reviews
High-velocity Spotlight file checks, pre-sale and post-sale sampling across investments, pensions, and mortgages, ongoing service fee validation, and root-cause feedback loops for adviser development.
8. Regulatory Change & Transformation
Horizon scanning, impact assessments, compliance Target Operating Model (TOM) design, policy and procedure re-engineering, and structured PMO leadership across complex rulebook changes.
9. Consolidation & M&A Due Diligence
Pre-acquisition regulatory due diligence, quantification of historical contingent liabilities (e.g. DB transfers, ongoing fees), post-deal compliance harmonisation, and SMCR mapping.
10. Vulnerable Customer Frameworks
Benchmarking against FCA Guidance FG21/1, frontline staff training on vulnerability drivers (health, life events, resilience, capability), and quantitative outcomes testing for protected cohorts.