Banking & Building Societies
SMCR governance, operational resilience, financial crime controls, retail lending collections, and Ring-Fenced Body compliance.
Retail, Commercial & Challengers →
Independent FCA & PRA Compliance Consultancy
Regulatory Expertise. Operational Delivery. Assured Outcomes. In One Place.
TCC combines independent regulatory advisory, governed managed services, rapid specialist resourcing, and AI-powered assurance to help FCA-regulated firms master their most complex compliance challenges.
★★★★★
5.0 ★ · 7 Google reviews
30+ years' regulatory expertise
4,000+ completed projects
4,000+
Client Projects Completed
Solving high-stakes FCA & PRA regulatory challenges at pace.
5,000,000+
Days Delivering Compliance
Verifiable operational execution across tier-1 financial institutions.
40,000+
Pre-Vetted Specialists
Proprietary talent pool of risk, compliance, and legal associates.
30+
Years of Regulatory Leadership
Founded in 2000 by Joanne Smith; UK industry pioneers.
Institutional Coverage
Sectors Regulated by the FCA & PRA
Every sector operates under distinct regulatory rulebooks, supervision priorities, and customer conduct risks. TCC provides tailored compliance frameworks built specifically for your vertical.
Wealth Management & Advice
Suitability reviews, ongoing fee validation, CIP/MPS governance, Consumer Duty fair value, and acquirer due diligence.
DFMs, IFAs & Networks →Pensions & Retirement Income
Defined Benefit (DB) transfer audits, Value for Money (VFM) frameworks, decumulation advice, and pensions dashboards.
SIPP Providers & Master Trusts →Payments & FinTech
Safeguarding audits, AML/CTF transaction monitoring, FCA authorisation dossiers, and scalable onboarding architecture.
EMIs, PIs & PayTech →Lending & Consumer Credit
CONC compliance, creditworthiness & affordability rules, forbearance frameworks, and vulnerable borrower support.
BNPL, Mortgages & Credit Cards →General Insurance & Protection
PROD 4 product governance, distribution chain remuneration audits, claims friction testing, and fair value evidencing.
Insurers, Brokers & MGAs →Motor Finance
Preparation and governed delivery for Discretionary Commission Arrangement (DCA) redress schemes and complaint handling.
Lenders & Dealership Networks →Regulated Utilities
Applying financial compliance rigor to Ofgem-governed water and energy markets: vulnerable customers and billing disputes.
Energy & Water Suppliers →
End-to-End Capabilities
Four Integrated Ways to Partner With TCC
Whether you require senior strategic advice, a fully accountable outsourced review squad, rapid specialist contractor capacity, or AI-powered 100% interaction assurance, TCC delivers with complete board-level certainty.
01
Regulatory Advisory
Strategic & Board-LevelIndependent expert counsel for complex regulatory decisions. We help boards interpret FCA policy, prepare for Section 166 reviews, and design bulletproof compliance target operating models.
- Section 166 diagnostic preparation and shadow reviews
- Consumer Duty (Principle 12) board assurance & fair value MI
- SM&CR responsibility mapping & conduct risk frameworks
02
Governed Managed Services
Outsourced OperationsFully accountable outsourced operations where TCC assumes responsibility for delivery SLAs, quality calibration, and defensible audit trails without adding internal management burden.
- Past business reviews & complex redress calculations
- Pre-sale and post-sale suitability & advice file checking
- High-volume complaints handling & FOS dispute resolution
03
Specialist Resourcing
Momenta Group AllianceImmediate deployment of pre-vetted compliance contractors, interim MLROs, CF10/SMF16 leaders, and multi-hundred person review squads within 48 hours to eliminate recruitment friction.
- 40,000+ associate talent pool thoroughly vetted and verified
- Mobilisation speeds from 24–48 hours for immediate capacity
- Interim directors, paraplanners, case handlers & QA managers
04
Tech-Enabled Compliance
Recordsure AI IntegrationMoving regulated firms beyond flawed 1–5% manual sampling. Recordsure AI analyzes 100% of spoken customer conversations and documentation to detect non-compliance before the regulator intervenes.
- 100% speech-to-text transcription calibrated for financial services
- Automated fact-find & suitability report consistency checking
- Intelligent risk-scoring to direct human auditors to high-risk files
Specialist Practice Areas
Ten Core Regulatory Solutions
Financial Crime Compliance →
AML/CTF audits, sanctions screening, PEP alert backlog clearance, and transaction monitoring tuning.
Complaints & Claims Handling →
Rapid surge capacity to clear DISP backlogs, root-cause reduction, and FOS overturn defense.
Redress & Remediation →
Actuarial loss models directed by Fellow actuaries for DB pensions, PPI, and motor finance.
Compliance AI & RegTech →
Safe adoption of machine learning, automated speech transcription, and algorithmic risk validation.
Section 166 Skilled Person Reviews →
Pre-s166 diagnostic assessments, shadow reviews, and remediation execution to secure FCA closure.
Consumer Duty (Principle 12) →
Fair value assessments, board MI dashboards, annual board report challenge, and sludge elimination.
Suitability & File Reviews →
High-velocity Spotlight file checks, pre-sale and post-sale sampling, and adviser coaching feedback.
Regulatory Change & Transformation →
Horizon scanning, TOM redesign, and structured PMO leadership for complex rulebook changes.
Consolidation & M&A Due Diligence →
Pre-acquisition liability audits, contingent risk quantification, and post-merger compliance integration.
Vulnerable Customer Frameworks →
FG21/1 alignment, frontline driver identification, and quantitative outcomes testing for vulnerable cohorts.
Signature Delivery Methodology
The Assurance Lifecycle: From First Diagnostic to Outcome Evidencing
We replace bureaucratic consulting overhead with an agile, four-stage delivery model. Explore how TCC engages with FCA/PRA-regulated institutions to guarantee compliance certainty.
Sub-4hr Response SLA
Stage 1: Diagnostic Health Check & Rapid Scoping
When regulatory scrutiny strikes or an FCA supervision letter lands, delay creates exposure. TCC provides direct, same-day access to senior compliance partners who conduct an immediate diagnostic triage, define review boundaries, and deliver a transparent commercial scope within 24 hours.
Rapid review triage with qualified senior ex-regulators within 4 hours
Gap analysis against relevant FCA handbook rules (DISP, COBS, PRIN 2A, SYSC)
Fixed-fee or milestone-based scoping proposal delivered within 24 hours
Initial Assessment
< 4 Hours
Fully Scoped Proposal
Within 24 Hours
Governance Deliverable
Board Diagnostic Briefing
Quantified Proof
Proven Results Across High-Stakes Regulatory Challenges
With over 4,000 completed engagements, TCC delivers measurable outcomes that protect firm reputation, withstand regulatory scrutiny, and eliminate operational friction.
National Wealth Manager: 4,000 File S166 Remediation
Following an FCA Skilled Person intervention regarding ongoing advice fee verification, TCC designed the review methodology, calibrated review squads, and cleared 4,000 complex client files.
4,000 Files
Reviewed & 2,000 Remediation Cases Managed
0 Sanctions
Secured Full FCA Formal Closure
Major UK Retail Bank: 25,000 Hour RegTech Time Saving
Deployed Recordsure AI conversation intelligence and robotic automation across an enterprise past business review, reducing file audit duration from 6 hours to 1 hour per case.
25,000+ Hrs
Project Delivery Time Saved
97% Accuracy
Calibrated AI vs Senior Human Reviewers
Defined Benefit Pension Transfer Review
Mobilised 78 pension transfer specialists within days from our 40,000-associate network to execute an urgent DB transfer remediation programme following FCA thematic guidance.
78 Specialists
Deployed Within 5 Working Days
100% Quality
Zero Defect Rate on Auditor Sample
Equity Release Redress & Financial Ombudsman Challenge
Our Actuarial Director (Fellow of the Institute and Faculty of Actuaries) engineered a custom cash-flow loss calculation model that successfully challenged flawed FOS complaint assertions.
£2.4M Saved
In Unwarranted Redress Claims
FIA Verified
Endorsed by Independent External Actuaries
The Tripartite Advantage
Three Specialists. One Trusted Group.
Traditional compliance programmes fail because firms juggle separate management consultancies, recruitment agencies, and software vendors. TCC Group integrates all three into a single, unified compliance partner.
TCC
Regulatory Advisory & Managed Operations
High-level strategic consulting, Section 166 navigation, quality calibration, Consumer Duty assurance, and managed operations delivered by veteran compliance directors and ex-FCA policy advisers.
Recordsure
AI RegTech & Conversation Intelligence
Proprietary speech analytics and natural language processing that transcribes, audits, and evidences 100% of customer interactions, delivering defensible audit trails at scale.
Momenta
Specialist Contingent Workforce
Global contingent workforce provider with a database of over 40,000 vetted risk, compliance, and legal associates ready to deploy as individual interims or 300+ person review squads within 48 hours.
Authentic Feedback
What Our Clients Say
Authentic, verified feedback demonstrating our team's responsiveness, personal dedication, and seamless operational delivery.
★★★★★
"Brooke was so helpful in transferring data from phone to phone and syncing my phone with my watch. She is very personable and has a lovely positive attitude. This was a great experience."
★★★★★
"Brooke gave us the absolute best service today! Had no issues and he helped us with everything so nicely! Highly recommended her!!"
★★★★★
"Brooke was great I love her every time I visit she takes good care of me thankyou for all you do"
★★★★★
"Brooke was incredibly helpful throughout my entire new phone experience."
★★★★★
"Brooke did an excellent job helping me set up my phone!"
Executive Inquiries
Frequently Asked Questions
Straightforward answers to the questions compliance directors and chief risk officers ask most frequently.
What types of FCA-regulated firms does TCC work with?
We work across the complete spectrum of UK financial services: tier-1 retail and commercial banks, building societies, wealth managers, discretionary fund managers (DFMs), life and pension providers, payments and e-money institutions, consumer credit lenders, general insurers, and motor finance lenders. We also advise regulated energy and water utilities on vulnerable customer frameworks.
How quickly can TCC deploy specialist contractor teams?
For urgent interim leadership roles (e.g., interim MLRO, Compliance Director, SMF16), shortlists are presented within 24–48 hours. For high-volume review programmes requiring multi-tiered teams (e.g. 20–100 case handlers, team leaders, and QA reviewers), we typically mobilise and onboard full squads within one to two weeks through our 40,000-strong pre-vetted associate database.
How does Recordsure AI augment manual 1–5% file sampling?
Manual file checking is statistically unreliable: sampling 1–5% of advice cases means 95–99% of customer interactions go unchecked. Recordsure automatically ingests 100% of spoken audio calls and written documents, transcribing and analyzing them against specific regulatory risk indicators. It surfaces high-risk files (such as missed disclosures or vulnerability flags) directly to senior human auditors, giving your board 100% oversight at lower cost.
Can TCC support Section 166 Skilled Person reviews?
Yes. TCC has over 30 years' experience in Section 166 interventions. We assist firms in three key ways: 1) Pre-s166 diagnostic assessments when supervision flags concerns, helping address issues before formal orders; 2) Acting alongside the firm during the review to shadow the Skilled Person and ensure fair interpretation; and 3) Designing and delivering the post-review remediation programme to secure formal closure from the FCA.
How does TCC support Consumer Duty compliance?
We provide comprehensive support across all four Consumer Duty outcomes: Products & Services, Price & Value, Consumer Understanding, and Consumer Support. Our ex-regulators assist boards with compiling their Annual Board Consumer Duty Assessment, challenging distribution chain margins, identifying customer journey sludge, and embedding quantitative outcome monitoring.
Senior Access Guarantee
Resolve Your Regulatory Challenges with Total Confidence
Speak directly with a senior regulatory practitioner today. We provide an initial diagnostic assessment within 4 business hours and a detailed project proposal within 24 hours.
Direct Senior Engagement
Contact Our Leeds & London Advisory Hubs
No sales gatekeepers or call centres. When you reach out, you connect directly with seasoned regulatory directors.
Leeds Advisory Hub (Operations & Delivery)
2nd Floor 1, Broad Gate, The HeadrowLeeds, West Yorkshire, LS1 8EQ, United Kingdom
London Headquarters (Registered Office)
10 Lower Thames StreetLondon, EC3R 6EN, United Kingdom