Fincaro Compliance Services is a specialist regulatory consultancy supporting Investment Firms, FinTechs, PIs/EMIs, corporate finance firms, financial institutions, and advisory firms in navigating regulatory obligations with clarity and confidence.
We bring together over two decades of regulatory experience spanning in-house and consultancy roles, compliance architecture design, policy development, regulatory submissions, monitoring programmes, and financial crime oversight.
Our Approach
We operate as an embedded extension of your compliance function providing continuity, execution, and senior oversight.
Deep understanding of your business model
Risk-based, proportionate frameworks
Clear, simple documentation
Hands-on support
Board-level insight and reporting
Technology-driven solutions
Our Story
Founded by an experienced regulatory and compliance practitioner with 25 years in financial services, Fincaro was established to deliver credible, high-impact regulatory expertise without the costs and inefficiencies associated with large consultancies.
Mission
Fincaro's mission is to deliver intelligent, tailored, and scalable compliance solutions that enable firms to meet their obligations with confidence.
Our Values
We believe that sensitive data is central to compliance work. Robust data protection practices and discretion are non-negotiable.
We don't just quote regulations — we translate them into workable solutions that fit the client's operations, culture, and risk appetite.
We focus our efforts where it matters most, helping clients prioritise high-impact risks rather than applying a one-size-fits-all approach.
We work alongside clients, educating teams and building internal capability.
We anticipate regulatory changes and emerging risks, helping clients stay ahead instead of reacting after issues arise.
Founder Profile
Nina Topiwala is the Founder and CEO of Fincaro Compliance Services and the creator of an AI-enabled RegTech solution. She brings a unique dual perspective as both a consultant and a former in-house regulatory expert.
The dual perspective gives Nina a nuanced compliance vantage point. She understands not only what regulators expect of regulated institutions, but also the practical reality of how compliance frameworks succeed, where they fail, and how they must be resourced to endure regulatory scrutiny long-term.
Nina's expertise spans SMCR, Consumer Duty, transaction monitoring, AML/CTF, market conduct, and financial advice, covering all the critical FCA and PRA regulatory areas. Informed by her 25-year career, she is widely recognised for her ability to translate complex regulatory change into actionable strategy, translating policy into operating models that are embedded, evidenced, and board-ready.
Earlier in her career, Nina worked with Tier 1 investment banks and within the most complex and regulated environments. She built the framework, developed global policies, and acted as a trusted escalation point for complex regulatory matters. Informed by her broader experience, she adopts a pragmatic, resource-aware approach to advisory and proposal design.
Today, Nina brings this depth of experience to building long-term compliance infrastructure. As a founder, consultant, and product creator, she applies seasoned regulatory judgment to technology, creating solutions that strengthen governance, reduce operational friction and costs, and create scale and automation.
Nina works with boards, founders, and senior management teams who value experience, perspective, and execution discipline, and who want compliance that serves both commercial insight rather than pure presentation.
Credentials
Advisory Profile
Nina is a Senior Governance, Risk, Compliance and Financial Crime professional with over 25 years' experience across global financial services, including banking, fintech, FX, and payments and E-Money. She has operated at Executive and Board level, holding SMF responsibilities and leading high-performing teams across EMEA, APAC, and LATAM.
Nina has led the design and implementation of end-to-end Risk, AML, and Compliance frameworks, advising on strategic initiatives, and acting as a key liaison with regulators. Her experience spans building frameworks from the ground up in high-growth environments, as well as enhancing and transforming existing governance structures within regulated institutions.
Nina brings deep expertise across AML/CTF, sanctions, conduct risk, regulatory advisory, and governance, with strong working knowledge of global regulatory regimes including FCA Rules, MLRs, EMRs, MiFID, EMIR, PSD, GDPR, new Crypto Regime, and Consumer Duty. She has successfully led FCA authorisations, developed risk-based compliance monitoring programmes, and implemented robust first and second line of defence models.
Known for her pragmatic and commercial approach, Nina partners closely with business, technology, and senior stakeholders to enable growth while ensuring regulatory integrity. She is particularly experienced in horizon scanning, regulatory change, and embedding risk culture across organisations.
