Build the Bank - we help establish banks that are compliant, credible and commercially viable:

Regulatory strategy and PRA/FCA engagement

We shape your regulatory strategy from day one, helping you navigate PRA and FCA expectations with clarity and confidence. From early-stage engagement through to formal application, we ensure your proposition is credible, coherent and aligned to supervisory priorities.

Governance, risk and operating model design

We design governance frameworks and operating models that are fit for purpose and regulator-ready. This includes Board and Committee structures, three lines of defence, and end-to-end risk management frameworks that scale with your business.

Regulatory Business Plan development

We develop robust, regulator-ready Business Plans that clearly articulate your strategy, financial sustainability and risk profile. Our approach ensures internal alignment while meeting the depth and clarity expected by PRA and FCA case officers.

Full application support

We provide comprehensive support across the full authorisation process, including ICAAP and ILAAP development, wind-down planning and SMF documentation. We ensure submissions are technically robust, internally consistent and able to withstand regulatory scrutiny.

Run the Bank / deposit taker – we ensure your business remains aligned with evolving regulatory expectations:

Governance and SMCR implementation

We support the design and ongoing enhancement of SMCR and governance arrangements, ensuring clear accountability, allocation of responsibilities, effective oversight and alignment with regulatory expectations.

Risk, conduct and Consumer Duty frameworks

We help embed risk and conduct frameworks that are practical and outcomes-focused, with Consumer Duty at their core. This includes defining fair value, customer outcomes monitoring, testing customer understanding, as well as MI and Board reporting to evidence good customer outcomes. 

Compliance monitoring, internal audit and remediation

We design and deliver proportionate compliance monitoring and internal audit frameworks, alongside targeted remediation programmes. Our focus is on identifying issues proactively and ensuring robust remediation, where required.

Operational resilience, outsourcing and third-party risk

We support firms in building resilient operations in line with UK regulatory requirements. This includes mapping important business services, setting impact tolerances and strengthening outsourcing and third-party risk management frameworks in line with PRA SS1/21 and PRA SS2/21.

Manage Change - we support you through regulatory and structural transformation:

Variation of Permission and Change in Control applications

We manage complex regulatory applications, ensuring clear articulation of the change, robust supporting documentation and effective engagement with regulators throughout the process.

Supervisory engagement, Skilled Person reviews and regulatory investigations

We support firms in navigating heightened supervisory scrutiny, including Skilled Person reviews and regulatory investigations, Our approach is pragmatic, structured and focused on achieving credible outcomes.

Regulatory change implementation and training

We help translate regulatory change into practical action, designing and embedding policies, controls and processes, supported by targeted training to ensure lasting compliance.

Recovery, resolution and solvent exit planning

We support the development of credible recovery and resolution plans, as well as solvent exit strategies. Our approach ensures firms are prepared for downside scenarios while meeting PRA and FCA expectations.