FCA Compliance consultant Specialists

Expert Regulatory Consultants Specialising in Compliance Consulting

From FCA authorisation and advisory services to compliance, risk assessment, strategy and technology solutions.
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90+

Authorisation

200+

Clients supported

1200+

Completed Projects

Experience across regulatory, compliance, strategy and fintech industries

Payments

Investments

Consumer Credit

  • We focus on a few core specialisms, enabling us to deliver sustainable results
  • We are a unique team of ex-regulators, big 4 consultants, industry professionals and fin/regtech specialisation
  • We have supported SME firms successfully obtaining or varying their FCA permissions since 2019
  • We approach each of our clients with fresh eyes to develop customized, unique strategies that are creative and actionable
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Our Winning Partners

Our Capabilities

MEMAs portfolio of services draws on our core capabilities of research, benchmarking, modelling, analysis and strategy development to help companies determine the best way forward with precision and confidence.

Regulatory analysis and interpretation

MEMA has expertise in understanding and interpreting the laws and regulations that apply to the client's industry, and be able to provide guidance on how to comply with those regulations.

Compliance program development

MEMA helps clients develop and implement compliance programs that are tailored to their specific needs and that address the regulatory requirements that apply to their industry.

Risk assessment

MEMA helps clients identify and evaluate the compliance risks that they face, and develop strategies to mitigate those risks.

Policy and procedure development

MEMA helps clients develop and implement policies and procedures that support compliance with relevant laws and regulations.

Compliance monitoring and testing

MEMA helps clients establish ongoing monitoring and testing programs to ensure that their compliance program is working effectively.

Compliance training and education

MEMA provides training and education to clients' employees to ensure that they are aware of the regulatory requirements that apply to their industry, and know how to comply with those requirements.

Regulatory change management

Compliance regulations change frequently, MEMA helps clients stay on top of regulatory changes and advise on how to adapt their compliance program accordingly.

Incident response and management

Assisting clients in responding to and managing compliance incidents, such as regulatory investigations or enforcement actions.

Compliance technology solutions

Advising clients on the use of compliance technology solutions such as Compliance management systems (CMS) to support compliance efforts.

Reporting and documentation

Providing clients with comprehensive reporting and documentation of compliance activities, including findings and recommendations for improvement.

What we do

From FCA authorisation and advisory services to compliance, risk assessment, strategy and technology solutions

FCA Authorisation

We help firms achieve FCA authorisation quickly and easily. We have a proven track record of success in helping firms get FCA authorised, and we are experts in the FCA's requirements and regulations. We will make sure that your application is complete and compliant, so you can focus on running your business.

Financial Crime

We will evaluate your Anti-Financial Crime (AFC) programme and work with you dealing with regulatory inquiries, risk and regulation, CDD/ EDD processes and shaping your approach towards anti-bribery and corruption risk

Payment services

We will assist you in acquiring the payment service permissions required from the FCA in order for you to get up and running. Whether your focus is as a merchant acquirer, currency exchange, e-money, money remittance, or if you require a combination of permissions, we can support you.

Compliance advisory

We will advise you on how you can meet regulatory compliance excellence. We will work with your team to ensure services are delivered in a clear and economical way

Regulatory training

We support your team with a range of courses focusing on the various rules and regulations of the Financial Conduct Authority (FCA). If you prefer, we also provide courses for your team to whitelabel internally

Blockchain consulting

We will support you in understanding your regulatory and compliance requirements, covering payments, e-money and AML/ KYC requirements

What we do

From FCA authorisation and advisory services to compliance, risk assessment, strategy and technology solutions

Payment services

We will assist you in acquiring the payment service permissions required from the FCA in order for you to get up and running. Whether your focus is as a merchant acquirer, currency exchange, e-money, money remittance, or if you require a combination of permissions, we can support you.

Contact us

Financial Crime

We will evaluate your Anti-Financial Crime (AFC) programme and work with you dealing with regulatory inquiries, risk and regulation, CDD/ EDD processes and shaping your approach towards anti-bribery and corruption risk.

Contact us

FCA Authorisation

We help firms achieve FCA authorisation quickly and easily. We have a proven track record of success in helping firms get FCA authorised, and we are experts in the FCA's requirements and regulations. We will make sure that your application is complete and compliant, so you can focus on running your business.

Contact us

Strategic Foresight

We will equip your firm with data-driven strategic foresight to preempt change, outmaneuver competitors, and lead evolving markets through rigorous environmental scanning.

Contact us

Regulatory training

We support your team with a range of courses focusing on the various rules and regulations of the Financial Conduct Authority (FCA). If you prefer, we also provide courses for your team to whitelabel internally.

Contact us

Compliance advisory

We will advise you on how you can meet regulatory compliance excellence. We will work with your team to ensure services are delivered in a clear and economical way.

Contact us

What we do

From FCA authorisation and advisory services to compliance, risk assessment, strategy and technology solutions

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FCA Authorisation

We help firms achieve FCA authorisation quickly and easily. We have a proven track record of success in helping firms get FCA authorised, and we are experts in the FCA's requirements and regulations. We will make sure that your application is complete and compliant, so you can focus on running your business.

Contact us

Financial Crime

We will evaluate your Anti-Financial Crime (AFC) programme and work with you dealing with regulatory inquiries, risk and regulation, CDD/ EDD processes and shaping your approach towards anti-bribery and corruption risk

Contact us

Payment services

We will assist you in acquiring the payment service permissions required from the FCA in order for you to get up and running. Whether your focus is as a merchant acquirer, currency exchange, e-money, money remittance, or if you require a combination of permissions, we can support you.

Contact us

Compliance advisory

We will advise you on how you can meet regulatory compliance excellence. We will work with your team to ensure services are delivered in a clear and economical way

Contact us

Regulatory training

We support your team with a range of courses focusing on the various rules and regulations of the Financial Conduct Authority (FCA). If you prefer, we also provide courses for your team to whitelabel internally

Contact us

Blockchain consulting

We will support you in understanding your regulatory and compliance requirements, covering payments, e-money and AML/ KYC requirements

Contact us

What we do

From FCA authorisation and advisory services to compliance, risk assessment, strategy and technology solutions

FCA Authorisation

We help firms achieve FCA authorisation quickly and easily. We have a proven track record of success in helping firms get FCA authorised, and we are experts in the FCA's requirements and regulations. We will make sure that your application is complete and compliant, so you can focus on running your business.

Contact us

Financial Crime

We will evaluate your Anti-Financial Crime (AFC) programme and work with you dealing with regulatory inquiries, risk and regulation, CDD/ EDD processes and shaping your approach towards anti-bribery and corruption risk

Contact us

Payment services

We will assist you in acquiring the payment service permissions required from the FCA in order for you to get up and running. Whether your focus is as a merchant acquirer, currency exchange, e-money, money remittance, or if you require a combination of permissions, we can support you.

Contact us

Compliance advisory

We will advise you on how you can meet regulatory compliance excellence. We will work with your team to ensure services are delivered in a clear and economical way

Contact us

Regulatory training

We support your team with a range of courses focusing on the various rules and regulations of the Financial Conduct Authority (FCA). If you prefer, we also provide courses for your team to whitelabel internally

Contact us

Blockchain consulting

We will support you in understanding your regulatory and compliance requirements, covering payments, e-money and AML/ KYC requirements

Contact us

Success Stories

From FCA authorisation and advisory services to compliance, risk assessment, strategy and technology solutions

​We had a tight deadline to submit the FCA application and without their support and assistance we would not have been able to submit the application fully and within the deadline applied. We are now successfully authorised.

John Symon

Director QUANTUM | Extraordinary Experience!

We were so pleased with their professionalism and attitude we decided that when things start developing further we will use them as our professional compliance advisors.

Colin Oxley

Founder MINERVA | Pleasure to work with

We couldn't have navigated the complex world of authorisations without MEMA in our corner. Their team offer a seamless blend of experience, knowledge, and commitment to client service.

Peter J Ritchie

Director BCP LEGAL | Saved us

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Our Insights

The Ultimate Guide to becoming AUTHORISED BY THE FCA

Download

The Ultimate Guide to PREPARING FOR AN FCA VISIT

Download

The Ultimate Guide to PREPARATION AS A PAYMENT SERVICE PROVIDER

Download

The Ultimate Guide to GDPR COMPLIANCE

Download

The Ultimate Guide to regulatory FINANCIAL CRIME controls

Download

The Comprehensive Guide to FCA Authorisation Fees for Financial Service Firms

Download

Understanding the Importance of Customer Risk Assessments for Payment Firms

Download

The Ultimate Guide to Creating Your Own Customer Risk Assessment

Download

We specialise in helping you meet your regulatory and compliance goals

Our experienced team partners with you to interpret regulations, conduct gap analyses, build control frameworks, and implement monitoring systems.

Newsletter

Insights

April 11, 2021

Planning for FCA Authorisation

In this article, we briefly cover how long to expect when firms are submitting their applications for authorisations to the Financial Conduct Authority (FCA).
More about us
June 19, 2025

Inside the Top 10 FCA Fines: Governance Failures That Cost Firms £ 2.4 Billion

The ten largest FCA penalties now represent just over 50 percent of total fine value. Examine their root causes and the governance gaps boards must close.
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November 10, 2021

Regulatory considerations for Consumer Credit Firms

The FCA has set out new rules for claims management companies (CMCs) to protect consumers against excessive charges. Some of the major changes include:
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June 26, 2025

From Market Abuse to AML: Five FCA Breach Categories to Watch in 2025

AML, conflict-of-interest and operational-resilience fines are rising fast. Learn how to safeguard your firm before the next FCA crackdown.
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October 15, 2021

The FCA Register

As an institution with financial services activities, you are likely to require authorisation by the FCA.
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March 31, 2023

Horizon Scanning for Compliance Officers in UK Banking & Payment Services Sector: Key Strategies

Horizon scanning is a key component of this role, as it helps compliance officers stay informed of emerging trends, changes in regulations, and technological advancements that could impact their organization. In this article, we'll provide key strategies and best practices for successful horizon scanning in the UK banking and payment services sector.
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September 27, 2022

How to get FCA authorised (part 1)

We are launching a new How To series on 'How to get FCA authorised'. This will look to cover a range of key items your business should consider from the location of offices, expected fees to resourcing. We will start on the first few key areas covering
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January 28, 2022

Consumer Credit - New regulatory considerations

The FCA’s, Director of Consumer and Retail Policy has recently provided its view on where changes are required in the Consumer Credit market. This detail arising from a speech identified that Consumer credit remains a key priority for the FCA.
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August 12, 2022

The UK Financial Crime Legislation framework

MEMA has produced this financial crime series for firms, to understand the steps they can take to reduce their financial crime risk. It does not include all the financial crime risks a firm may face but provides an understanding of FCA expectations in this complex field.
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December 29, 2022

What is the Appointed Representative Regime?

In this series of articles, MEMA will break down what is the Appointed Representative Regime and what steps your organsiation will need to take.
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December 19, 2022

What is the Senior Managers & Certification Regime ?

The Senior Managers and Certification Regime (SM&CR) replaces the Approved Persons Regime (APR) which is how the FCA used to regulate people working in financial services.
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May 23, 2025

Buy-Now-Pay-Later gets real: what the 2025 draft Order means for short-term interest-free credit – and why firms must start planning now

Five years on from the Treasury’s initial pledge, Parliament now has the Financial Services and Markets Act 2000 (Regulated Activities etc.) (Amendment) Order 2025 on its table
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February 21, 2025

Financial Promotions Under Scrutiny: FCA Doubles Down on Compliance Enforcement

The financial services landscape is witnessing unprecedented regulatory scrutiny, with the Financial Conduct Authority (FCA) significantly intensifying its oversight of financial promotions. In a striking development, nearly 20,000 financial promotions were withdrawn or amended in 2024—representing a dramatic doubling of regulatory interventions compared to the previous year.
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January 23, 2025

FCA Announces Significant Changes to Authorisation Process - January 2025 Update from MEMA Consultants

In a landmark announcement, the Financial Conduct Authority (FCA) has unveiled substantial changes to its authorisation process, demonstrating a clear commitment to supporting growth in the UK financial services sector. As your trusted regulatory partner, MEMA Consultants brings you a detailed analysis of these important developments.
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August 9, 2022

What are UK sanctions and how to conduct sanctions screening?

Sanctions are normally used by the international community for one or more of the following reasons:
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