Small and Authorized E-Money Services refer to financial services that support businesses handling electronic money (e-money) while ensuring compliance with regulatory requirements.

These services help businesses obtain the necessary authorization to operate legally within a given jurisdiction. Support typically includes:

• Registration Assistance – Helping businesses register with the appropriate financial regulatory bodies.
• Compliance & Reporting – Ensuring businesses meet regulatory standards by managing financial reports and compliance documentation.
• Ongoing Monitoring – Continuously overseeing transactions and operations to detect and prevent non-compliance issues.

Such services are essential for businesses that issue, store, or transfer e-money, ensuring smooth operations within legal and financial frameworks.

Consumer Credit Solutions refer to financial services designed to help businesses manage and offer consumer lending and financing options. These solutions ensure that lending programs comply with regulations while aligning with business goals.

Key aspects include:

• Lending Program Development – Assisting businesses in designing loan products that meet customer needs and regulatory standards.
• Regulatory Compliance – Ensuring adherence to legal and financial regulations governing consumer credit.
• Risk Management – Implementing strategies to assess credit risk and minimize potential defaults.
• Technology Integration – Supporting the use of digital platforms for loan processing, credit scoring, and payment management.

These solutions are essential for businesses looking to offer consumer loans, credit lines, or installment financing while maintaining compliance and operational efficiency.

Financial Advising and Planning refers to professional services that help individuals and businesses manage their finances effectively to achieve short- and long-term goals. These services focus on strategic financial decision-making, risk assessment, and wealth management.

Key aspects include:

• Strategic Financial Planning – Developing customized financial plans to optimize revenue, expenses, and investments.
• Investment Advisory – Providing guidance on asset allocation, risk management, and investment opportunities.
• Budgeting and Cash Flow Management – Assisting in creating efficient budgets and improving financial stability.
• Risk and Compliance Management – Ensuring adherence to financial regulations and mitigating potential financial risks.
• Retirement and Wealth Planning – Helping businesses and individuals secure long-term financial success through structured savings and investment plans.

These services are essential for businesses and individuals seeking financial growth, stability, and regulatory compliance.

Community Development Finance refers to financial services aimed at supporting economic growth and social development within communities. These services help businesses, nonprofit organizations, and financial institutions create and manage financial programs that benefit underserved communities while ensuring compliance with regulations.

Key aspects include:

• Community Investment Programs – Developing funding initiatives to support small businesses, affordable housing, and local infrastructure projects.
• Regulatory Compliance – Ensuring that community development finance programs meet legal and financial requirements.
• Grant and Loan Management – Assisting in securing, distributing, and managing community-based funding resources.
• Economic Development Support – Providing financial solutions to stimulate job creation, business growth, and community revitalization.
• Sustainable Financing Strategies – Implementing long-term financial models to maintain and expand community-focused projects.

These services play a crucial role in fostering economic inclusion, reducing financial disparities, and driving sustainable community growth.

Insurance Intermediary Services refer to professional support for businesses and individuals involved in insurance intermediation, ensuring smooth transactions between insurers and policyholders while maintaining compliance with regulations.

Key aspects include:

• Regulatory Compliance – Ensuring adherence to legal and financial requirements for insurance intermediaries.
• Risk Assessment and Advisory – Helping clients evaluate and select appropriate insurance products.
• Policy Management – Assisting in structuring and managing insurance policies tailored to business or individual needs.
• Claims Assistance – Providing guidance on claims processing and dispute resolution.
• Brokerage and Agency Support – Facilitating smooth interactions between insurers, brokers, and policyholders.

These services are essential for insurance brokers, agents, and businesses seeking to navigate the complexities of the insurance industry while ensuring compliance and efficiency.

Crowdfunding and Alternative Investment Solutions refer to financial services that support businesses and individuals in raising capital through non-traditional funding methods while ensuring regulatory compliance. These solutions provide access to diverse investment opportunities beyond conventional banking and stock markets.

Key aspects include:

• Crowdfunding Strategy Development – Assisting businesses in creating and launching successful crowdfunding campaigns on platforms like equity crowdfunding, donation-based crowdfunding, and reward-based crowdfunding.
• Alternative Investment Advisory – Providing guidance on investment opportunities such as private equity, venture capital, real estate, peer-to-peer lending, and cryptocurrency.
• Regulatory Compliance – Ensuring adherence to financial regulations and investor protection laws.
• Risk Management – Evaluating potential risks associated with alternative investments and developing mitigation strategies.
• Investor Relations and Fundraising Support – Helping businesses connect with investors and manage funding efficiently.

These services are crucial for startups, businesses, and investors looking to explore innovative funding solutions and diversify their investment portfolios while maintaining compliance with financial regulations.

Mortgage Brokerage and Advisory Services provide expert guidance to individuals and businesses seeking mortgage financing while ensuring compliance with industry regulations. These services help clients secure the best loan options, manage the application process, and make informed financial decisions.

Key aspects include:

• Mortgage Brokerage Services – Acting as an intermediary between borrowers and lenders to secure favorable mortgage terms.
• Loan Comparison and Advisory – Evaluating different mortgage products to help clients choose the best option based on their financial situation.
• Regulatory Compliance – Ensuring adherence to legal requirements in mortgage transactions.
• Application and Documentation Assistance – Guiding clients through the mortgage application process, including paperwork and lender requirements.
• Risk Assessment and Financial Planning – Providing insights into interest rates, repayment strategies, and long-term financial implications.

These services are essential for homebuyers, real estate investors, and businesses seeking mortgage solutions that align with their financial goals while maintaining compliance with regulations.

Digital Bank Licensing and Compliance Assistance involves providing expert guidance to businesses seeking licenses to operate digital banks. This service helps clients understand and navigate the complex regulatory landscape required to establish and run a digital banking institution.

Key aspects include:

• Regulatory Assessment – Conducting thorough evaluations of the regulatory requirements specific to digital banking, ensuring businesses meet all legal standards.
• License Application Support – Assisting in the preparation and submission of digital banking license applications, ensuring that all necessary documentation is accurate and complete.
• Compliance Guidance – Helping clients adhere to industry regulations, including anti-money laundering (AML), data privacy, and other financial regulations to prevent fraud and ensure secure operations.
• Operational Framework Setup – Providing advice on building the operational infrastructure to meet regulatory standards, including risk management, governance, and internal controls.
• Ongoing Regulatory Monitoring – Offering continuous support in monitoring compliance, updating policies, and ensuring the bank stays aligned with evolving regulations.

These services are essential for businesses seeking to establish digital banking operations while ensuring they meet stringent legal and regulatory requirements.

FCA & HMRC reporting

Our FCA & HMRC reporting services help ensure that your business is compliant with the latest regulations and requirements set by the FCA and HMRC. We provide comprehensive reporting services to help you meet your regulatory obligations, and we stay up-to-date with the latest changes to regulations so that you don't have to. Our team of experts can assist you with all aspects of FCA and HMRC reporting, including PSD2 compliance and MLR registration.

Payment Service Directives (PSD2)

Our Payment Service Directives (PSD2) services help you comply with the latest regulations and requirements related to payment services. We can assist you with all aspects of PSD2 compliance, including registration, reporting, and ongoing monitoring.

HMRC (MLR) Registration

Our HMRC (MLR) Registration services ensure that your business is registered with HMRC for Money Laundering Regulations (MLR) compliance. We can help you navigate the complex registration process and provide ongoing support to ensure that you remain compliant over time

Compliance Training

Our Compliance Training services provide training for your staff on the latest regulations and requirements related to finance and compliance. We offer customized training programs tailored to your specific needs, and we provide ongoing support to ensure that your staff remains up-to-date and compliant over time.

Compliance Audit

Our Compliance Audit services provide a thorough review of your business's compliance with regulations and requirements. We can identify areas of non-compliance and provide recommendations for remediation to help you avoid potential penalties or fines.

Compliance Advisory

Our Compliance Advisory services provide expert guidance and support on all aspects of finance and compliance. We can assist you with developing and implementing compliance programs, providing ongoing support, and ensuring that your business remains compliant over time.

Ongoing monitoring of MSB

Our Ongoing Monitoring of MSB services provide ongoing support and monitoring to ensure that your business remains compliant with regulations related to money service businesses (MSBs). We can help you identify and mitigate potential risks and ensure that your business remains in compliance over time.

HR Compliance Audit Service

Our HR Compliance Audit Service provides a thorough review of your business's compliance with regulations related to HR and employment. We can identify areas of non-compliance and provide recommendations for remediation to help you avoid potential penalties or fines

Estate Agency Audit

Our Estate Agency Audit services provide a thorough review of your estate agency's compliance with regulations and requirements. We can identify areas of non-compliance and provide recommendations for remediation to help you avoid potential penalties or fines.

Data Protection Management for Small Payment Institutions and Authorized Payment Institutions involves providing expert guidance and support to ensure businesses handle and protect customer data in compliance with relevant data protection regulations. This service is essential for businesses dealing with sensitive financial and personal information, ensuring they adhere to privacy laws and regulatory standards.

Key aspects include:

• Data Protection Policy Development – Helping businesses create and implement comprehensive data protection policies that align with legal requirements such as GDPR or local data protection laws.
• Compliance and Regulatory Support – Ensuring that businesses are continuously compliant with data protection regulations, including regular audits and updates to policies as laws evolve.
• Data Handling Procedures – Assisting in designing processes for securely collecting, storing, and processing data to mitigate risks of data breaches and privacy violations.
• Employee Training – Providing training programs to ensure that staff members understand and adhere to data protection standards.
• Ongoing Monitoring and Support – Offering continuous support and monitoring to ensure the business remains compliant and can quickly address any data protection issues that arise.

These services are crucial for small and authorized payment institutions that must protect user data, manage data security risks, and stay compliant with evolving data protection laws.

Small Payment Institution and Authorized Payment Institution Services provide specialized guidance to businesses in the financial sector seeking authorization to operate as payment institutions. These services help businesses navigate the complexities of financial regulations, ensuring they are compliant with industry standards and legal requirements.

Key aspects include:

• Authorization Assistance – Helping businesses through the process of obtaining the necessary licenses and approvals to operate as a small or authorized payment institution.
• Regulatory Compliance Support – Ensuring that businesses meet all regulatory requirements, including anti-money laundering (AML) laws, financial conduct regulations, and payment processing standards.
• Registration and Documentation – Assisting in the preparation and submission of required documents for registration, ensuring a smooth and efficient application process.
• Ongoing Reporting and Monitoring – Providing continuous support in maintaining regulatory compliance, including the preparation of regular reports, audits, and internal reviews.
• Advisory and Operational Support – Offering expert advice on best practices, risk management strategies, and operational procedures to ensure long-term compliance and operational efficiency.

These services are essential for businesses looking to operate in the payment services sector while ensuring full compliance with financial regulations and minimizing operational risks.

Annual AML Training for new staff as needed

Our Annual AML Training for new staff as needed: Our Annual AML Training for new staff services provide customized training programs tailored to your specific needs. We can help ensure that your new staff is trained and knowledgeable on AML regulations and requirements, reducing the risk of non-compliance

Regular AML Monitoring (Monthly, Quarterly, Semi-Annually, or Annually)

Our Regular AML Monitoring services provide ongoing monitoring and analysis of your business's AML compliance. We can assist you with establishing a monitoring schedule that fits your needs, and we can help identify potential areas of non-compliance to reduce the risk of penalties or fines.

AML Advisory with up-to-date information and guidance

Our Small and Authorised E-money services provide comprehensive support for businesses that deal with electronic money. We can assist you with all aspects of compliance, including registration, reporting, and ongoing monitoring

RegData - FCA monthly submissions

Our RegData services provide support for submitting quarterly reports to the FCA. We can assist you with preparing and submitting your reports to ensure that you remain in compliance with FCA regulations.

Regulatory Data Management

Our Regulatory Data Management services provide comprehensive support for managing data in compliance with regulations. We can help you develop and implement policies and procedures, provide ongoing support, and ensure that your business remains in compliance over time.

Change in Control with FCA

Our Change in Control with FCA services provide expert guidance and support for businesses that undergo changes in ownership or control. We can assist you with all aspects of compliance related to change in control, including reporting and regulatory requirements.

Business Merger and Acquisition (M&A) Services for Payment Institutions, Banks, and E-Money Providers involve specialized guidance to ensure businesses successfully navigate the complex legal and regulatory landscape during mergers and acquisitions. These services are designed to address the unique challenges and compliance requirements that arise when merging or acquiring businesses in the financial sector, including payment institutions, banks, and e-money providers.

Key aspects include:

• Regulatory Compliance and Due Diligence – Conducting thorough assessments of the regulatory environment to identify potential compliance risks and ensure that all legal and regulatory requirements are met during the M&A process.
• Legal Documentation and Filings – Assisting in the preparation of necessary legal documents, filings, and submissions required by regulatory authorities to ensure a smooth transaction.
• Risk Mitigation Strategies – Advising on strategies to minimize regulatory risks and ensure compliance with laws, such as anti-money laundering (AML), financial conduct, and data protection regulations.
• Industry Standards Guidance – Providing expertise on industry standards and best practices in the financial sector to ensure that the merged or acquired entity operates within the regulatory framework.
• Post-Merger Compliance Support – Offering ongoing support to ensure the new entity remains compliant with all relevant regulations after the merger or acquisition, including integration of policies and procedures.

These services are essential for businesses involved in the M&A of financial institutions, ensuring that the process complies with all regulatory standards, minimizes risks, and ensures long-term success.

HMRC MLR & NCA INVESTIGATION

We can assist businesses in addressing potential compliance issues related to money laundering and financial crime. This involves conducting thorough investigations into clients' operations to ensure adherence to regulatory requirements set forth by HMRC and the NCA. It may include reviewing internal controls, conducting risk assessments, and implementing necessary measures to enhance compliance.

Investment Management and Portfolio Optimization

Our Investment Management and Portfolio Optimization services provide assistance with managing investments and portfolios. We can help you identify and manage investment risks, optimize your portfolio, and achieve your investment goals.

ACS (Approved Contractor Scheme) Application Assistance involves expert guidance and support for businesses in the private security industry seeking ACS approval. The ACS scheme is designed to set a quality benchmark for security service providers, helping them meet high standards of performance and compliance with industry regulations.

Key aspects include:

• Comprehensive Assessment Preparation – Assisting businesses in preparing for the ACS assessment, which evaluates management practices, operational procedures, and customer service standards.
• Staff Vetting and Training – Ensuring proper vetting of staff, including background checks and verification of qualifications, and supporting the implementation of training programs to meet ACS standards.
• Health and Safety Protocols – Helping businesses establish and maintain health and safety protocols in line with ACS requirements to ensure the well-being of both staff and clients.
• Regulatory Compliance – Guiding businesses through the compliance process to meet all legal requirements, including relevant laws and regulations affecting the security industry.
• Customer Service Standards – Assisting in improving customer service practices to align with ACS-approved standards, ensuring a high level of satisfaction and professionalism.

These services streamline the ACS application process, ensuring a smooth transition and helping businesses achieve ACS approval efficiently while maintaining the highest industry standards.

HR management can often be complex and time-consuming, but with GOHRM, it becomes simple and efficient. GOHRM is a powerful tool that enables HR professionals to streamline operations and focus on creating a people-centric strategy that aligns with business goals.

Key aspects include:

• Time and Resource Optimization – By automating routine HR tasks, GOHRM frees up valuable time and resources, allowing HR teams to focus on more strategic initiatives.
• Executive Support – GOHRM empowers HR professionals by providing tools and expertise backed by executives who recognize HR as a strategic business partner.
• Comprehensive HR Solutions – From hiring and onboarding to payroll, performance management, and retention, GOHRM simplifies every aspect of HR, ensuring smooth and efficient operations.
• Employee Engagement – Understanding and addressing employee concerns becomes easier with GOHRM’s insights, helping HR professionals foster a positive and productive work environment.
• Talent Acquisition and Retention – GOHRM assists in attracting, engaging, and retaining top talent by providing solutions that align with the needs and aspirations of employees.

With GOHRM, HR professionals have a comprehensive, intuitive, and automated solution that simplifies HR processes and helps businesses create a supportive and strategic HR strategy.

Mortgage and Finance Operations Assistance

We provide expert support in securing the right mortgage solution for a variety of needs, including first-time buyer mortgages, buy-to-let mortgages, and moving home mortgages. Our impartial, trusted advisers are dedicated to helping you find the best mortgage that fits your financial situation.

Key aspects include:

• Personalized Mortgage Solutions – Offering tailored advice and mortgage options based on your specific needs, whether you're a first-time buyer, looking to invest in rental property, or moving to a new home.
• Impartial Guidance – Our advisers are completely impartial and focus solely on finding the best deal for you, not tied to any particular lender.
• Market Research – We search the entire market to find the most competitive mortgage deals available, ensuring you get the best possible terms.
• Stress-Free Process – From handling paperwork to negotiating with lenders, we take care of all the details, making the mortgage process seamless and stress-free for you.
• Expert Negotiation – We manage all aspects of communication and negotiation with lenders, ensuring that you receive the most favorable mortgage terms.

Our goal is to simplify the mortgage process, ensuring you secure the right financing without the stress and confusion typically associated with mortgages.

In the rapidly evolving world of cryptocurrency, regulatory compliance is more important than ever. As a UK-based compliance firm, we specialize in supporting businesses engaged in cryptocurrency trading, including buying, selling, and related activities. Our services extend globally, offering expertise in jurisdictions such as the EU, Australia, Singapore, Canada, and Hong Kong. We ensure your crypto operations remain secure, compliant, and efficient, no matter where you operate. Cryptocurrency regulations vary significantly across regions, making compliance a challenging yet critical aspect of your business. We provide tailored guidance to navigate these complexities, helping you meet local and international requirements, including Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) standards. Whether you’re applying for licenses, managing cross-border transactions, or seeking to expand your operations, our team ensures you meet every regulatory obligation with confidence

Robust Know Your Customer (KYC) and AML measures are essential for safeguarding your business and reputation in the crypto space. We help implement comprehensive KYC/AML frameworks that align with global standards, including FATF guidelines and jurisdiction-specific directives. With our solutions, you can identify, assess, and mitigate risks effectively, preventing fraud and ensuring your operations remain transparent and trustworthy. Expanding your cryptocurrency business internationally requires a deep understanding of each country’s regulatory landscape. We provide strategic advisory services to help you navigate the complexities of expanding into the EU, Australia, Singapore, Canada, and Hong Kong. From understanding licensing requirements to staying ahead of regulatory changes, we equip you with the knowledge and tools needed for seamless crossborder operations.

We specialize in mergers and acquisitions (M&A) for Small Payment Institutions (SPI), Authorized Payment Institutions (API), and Electronic Money Institutions (EMI). Whether you’re buying or selling, our tailored solutions ensure a smooth, compliant, and efficient transaction process.

For sellers, we prepare businesses for sale through compliance audits, issue resolution, and ensuring all documentation is in order. For buyers, we provide comprehensive due diligence, verifying the target’s regulatory standing and identifying risks. We work closely with regulators, including the FCA, to ensure seamless licensing transfers and adherence to AML and CTF requirements.

Post-merger, we assist with integrating compliance programs and operational policies to ensure long-term success. Our cross-border expertise enables us to facilitate transactions in the EU, North America, Asia, and beyond, helping businesses expand globally with minimal risk.

With our specialized knowledge, global reach, and regulatory partnerships, we make the M&A process straightforward and strategic.