Our Services
Comprehensive compliance solutions tailored to your regulatory needs — from FCA authorisation to AML, SMCR, and beyond.
What We Do
Our Core Capabilities
From initial authorisation through to ongoing oversight, we cover every aspect of UK financial compliance.
Expert guidance on FCA rules, PSD2, EMReg, and the full spectrum of UK financial regulation.
Proactive monitoring programmes and periodic testing to identify gaps before regulators do.
End-to-end support for new authorisations, variations of permission, and change-in-control applications.
A dedicated compliance function on a retained basis — your compliance team without the overhead.
Mapping Senior Manager Functions, crafting Statements of Responsibilities, and embedding the Conduct Rules.
Timely, accurate submissions to the FCA, PSR, and other regulators — GABRIEL, REP-CRIM, and beyond.
Deep-dive reviews aligned to FCA thematic priorities, keeping you ahead of supervisory focus.
Comprehensive compliance risk assessments across your product, distribution, and operational footprint.
AML frameworks, SAR procedures, and financial crime controls designed to meet FCA and JMLSG standards.
Tailored compliance training programmes for senior managers, CF holders, and frontline staff.
Full-spectrum payment regulation support for PIs, EMIs, and PSPs operating under the PSRs 2017.
Our proprietary compliance platform — automating monitoring, reporting, and risk tracking. Launching 2026.
Specialist Focus
Payment Services Compliance
Fincaro has deep expertise in the regulation of payment and e-money institutions. Whether you are seeking authorisation or managing ongoing compliance obligations, we have you covered.
Services Include:
- FCA authorisation & variation of permission for Payment Institutions and E-Money Institutions
- PSRs 2017 & EMReg 2011 compliance frameworks
- Safeguarding reviews and remediation
- Operational resilience and business continuity planning
- Open Banking & PSD2 technical compliance
- Consumer Duty implementation for payment firms
- Agent and distributor oversight programmes
- Complaints handling and redress frameworks
- Regulatory reporting — REG-DATA and PSR returns
- AML / CTF programmes for payment services firms
Deep Expertise
Specialised Services
Each of our practice areas brings focused expertise, practical tools, and a proven track record in UK financial services regulation.
- New firm authorisations (Part 4A permissions)
- Variations of permission (VoPs)
- Change in control applications
- Appointed Representative & IAR structuring
- s.165 information requests & supervisory support
- Senior Manager Function mapping & certification
- Statements of Responsibilities (SoRs)
- Management Responsibilities Map (MRM)
- Conduct Rules training & embedding
- Regulatory references & fit and proper assessments
- AML/CTF framework design & gap analysis
- MLRO support and deputy MLRO services
- Suspicious Activity Report (SAR) procedures
- Sanctions screening programme design
- Financial crime risk assessments
- Consumer Duty gap analysis & implementation
- Fair Value assessments
- Consumer outcomes monitoring frameworks
- Vulnerable customer policies
- Annual Board Reports
- FCA GABRIEL submissions
- REP-CRIM financial crime reporting
- PSR regulatory returns
- REG-DATA (payment services)
- CMAR & Pillar 3 disclosures
- Important Business Service (IBS) identification
- Impact tolerance setting & testing
- Self-assessment documentation
- Third-party & outsourcing risk
- Business continuity & DR planning
- Annual compliance monitoring plans
- Risk-based testing programmes
- Board & ExCo MI reporting
- Policy library management
- Regulatory horizon scanning
- Bespoke compliance training design
- Conduct Rules training for all staff
- T&C scheme design for retail firms
- SM&CR awareness workshops
- E-learning module development
- PI & EMI authorisation applications
- PSRs 2017 compliance frameworks
- Safeguarding audits & remediation
- Open Banking / PSD2 compliance
- Agent oversight programmes
Coming 2026
RegTech Platform
We are building a proprietary compliance platform that automates monitoring, reporting, and risk tracking — giving regulated firms real-time visibility of their compliance posture. Get in touch to join the early-access programme.