01
FCA Authorisation & Registration
Full support with FCA applications including Part 4A permissions, Appointed Representative arrangements, Payment Institution licensing, and e-money registration. We guide you through every stage.
FCA Regulatory Compliance Consultancy — UK
Navigating regulation,
protecting your business
Expert FCA compliance, financial crime prevention, and regulatory policy for fintechs and financial services firms — straightforward, proportionate guidance built for smaller organisations across the UK.
FCA.
Authorised specialists
50+
Firms advised
15+
Years' experience
What we do
End-to-end compliance support
From initial FCA authorisation through to ongoing financial crime controls, Clarionet Consulting provides the expert guidance smaller firms need — without the overhead of a large consultancy.
02
Financial Crime Compliance
AML, KYC, and sanctions frameworks designed for your firm's risk profile. Transaction monitoring, suspicious activity reporting, and MLRO advisory support under the Money Laundering Regulations.
03
Regulatory Policy Development
Drafting and reviewing compliance policies, procedures, and controls that satisfy FCA expectations while remaining practical and proportionate for your team to implement day-to-day.
04
Risk Management Frameworks
Building proportionate regulatory risk frameworks — compliance risk registers, risk appetite statements, and business-wide risk assessments tailored to your FCA obligations.
05
Compliance Monitoring & Audit
Independent compliance reviews, FCA gap analyses, and regulatory health checks to identify control weaknesses before they attract FCA scrutiny or enforcement action.
06
Training & Competency
Tailored compliance training for boards, senior managers, and front-line staff covering SM&CR, AML awareness, Consumer Duty, and regulatory change — in plain English.
"Proportionate compliance isn't a compromise — it's intelligent regulation."
— Clarionet Consulting
About us
Built for fintechs & growing firms
We understand the challenge smaller financial services firms face: the FCA expects the same standard of compliance as a major bank, but you don't have the same resources to achieve it alone.
Clarionet Consulting brings deep regulatory expertise drawn from experience within the FCA, major financial institutions, and specialist compliance practices. We provide commercially aware, plain-English guidance that works in the real world — not just on paper.
Whether you're seeking FCA authorisation for the first time, strengthening your AML and financial crime controls, developing regulatory policies, or need a fractional compliance officer alongside your team — we deliver expert, proportionate support at a scale that makes sense for your business.
ICA Member
CAMS Certified
Former FCA
SM&CR Specialists
Regulatory expertise
FCA compliance without the complexity
The FCA's requirements can feel overwhelming for smaller firms. Clarionet Consulting breaks them down into clear, manageable steps so you stay compliant and can focus on growing your business.
Licensing
FCA Authorisation
Full Part 4A permissions applications, Appointed Representative arrangements, change of control notifications, and variation of permissions — prepared to FCA standard.
Registration
Payment & E-Money
Payment Institution and Small Payment Institution registration, Electronic Money Institution authorisation, Open Banking compliance, and PSR obligations.
Conduct
Consumer Duty
Consumer Duty implementation, fair value assessments, customer outcomes monitoring, and board reporting frameworks meeting the FCA's higher standard of consumer protection.
Governance
SM&CR
Senior Managers & Certification Regime implementation, responsibility mapping, fit and proper assessments, and Individual Conduct Rules training for regulated firms.
Financial Crime
AML & Sanctions
Anti-money laundering programme design, sanctions screening frameworks, MLRO advisory, and National Crime Agency SAR reporting support under the MLRs.
Ongoing
Fractional CCO
Part-time or interim Chief Compliance Officer services — board-level FCA compliance leadership without the cost of a full-time senior hire.
How we work
A clear path to compliance
Our structured approach ensures nothing falls through the cracks — from initial assessment through to ongoing FCA compliance support.
I
Discovery Call
We learn about your business model, regulatory status, and objectives. No charge, no obligation.
II
Gap Analysis
A thorough review of your compliance position against FCA requirements and the Money Laundering Regulations.
III
Remediation Plan
A prioritised roadmap addressing compliance gaps, with clear ownership, timelines, and deliverables.
IV
Implementation
Hands-on support drafting policies, preparing FCA submissions, and embedding controls into your operations.
V
Ongoing Support
Retainer or ad-hoc advisory to keep pace with FCA regulatory change and maintain a strong compliance posture.
Common questions
Frequently asked questions
Answers to questions we hear most from fintechs and smaller financial services firms navigating FCA regulation.
Most firms carrying out regulated financial activities in the UK require FCA authorisation or registration under FSMA 2000. This includes payment services, e-money issuance, consumer credit, investment services, and insurance distribution. Clarionet Consulting can assess your business model and advise on the exact permissions you need before you apply.
The FCA has a statutory target of 6 months for complete applications and 12 months for incomplete ones. Well-prepared applications can move faster. Clarionet Consulting prepares thorough, FCA-ready applications to minimise delays and unnecessary back-and-forth with the regulator.
A Money Laundering Reporting Officer (MLRO) is a senior individual responsible for overseeing AML compliance and submitting SARs to the National Crime Agency. Most FCA-regulated firms within scope of the Money Laundering Regulations are required to appoint a nominated officer. Clarionet Consulting provides MLRO advisory and support for smaller firms.
The Senior Managers & Certification Regime requires FCA-regulated firms to assign regulatory responsibilities to named senior individuals, certify certain staff annually, and ensure all staff follow the Individual Conduct Rules. Clarionet Consulting helps firms implement SM&CR proportionately with responsibility maps and fit and proper frameworks.
The FCA's Consumer Duty sets a higher standard of consumer protection across four areas: products & services, price & value, consumer understanding, and consumer support. It applies to most FCA-authorised firms in the retail distribution chain. Clarionet Consulting supports Consumer Duty gap analysis, implementation, and outcomes monitoring.
Fees depend on scope and complexity. Clarionet Consulting offers fixed-fee project work, day-rate advisory, and monthly retainer arrangements — making expert compliance support accessible and cost-predictable for smaller firms and fintechs. Contact us for a free initial consultation and indicative fee proposal with no obligation.
Get in touch
Let's talk compliance
Book a free, no-obligation consultation with Clarionet Consulting. We'll discuss your regulatory challenges and explain exactly how we can help — in plain English, with no jargon.
hello@clarionetconsulting.co.uk
07856 747 395
United Kingdom