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Regulatory sectors
Compliance services
Insights
About us

Expert FCA Compliance Services and Support

FCA Compliance Services

Navigating the intricate landscape of Financial Conduct Authority (FCA) regulations can be daunting. The ever-expanding rulebook and frequent updates pose challenges for businesses of all sizes, making it essential to stay compliant to avoid penalties.

An FCA compliance consultant plays a crucial role in assisting authorized firms and those seeking authorization to ensure adherence to FCA regulations. While compliance obligations cannot be entirely outsourced, a skilled consultant can offer cost-effective solutions to help meet these obligations effectively.

When selecting an FCA compliance Services should consider the following key issues:

  • What experience does the compliance consultant have in the area of compliance that the firm requires assistance with, and is their knowledge up to date.
  • What capacity does the FCA compliance consultant have, and do they have any contingency arrangements in the event that they are unable to undertake the work due to unforeseen circumstances.
  • Are they able to provide workable solutions rather than just identify problems.
  • Will they be able to work with key individuals in the firm, and will they add value to the firm.
  • We’re not just an FCA Compliance Consultant; we’re a team of expert FCA Compliance Consultants with experience and proven results in all aspects of FCA compliance.

Regulatory Sectors

FCA AuthorisationCredit BrokingSenior Managers And Certification RegimeInsurance BrokingAppointed Representative And Principal FirmsConsumer CreditMortgage BrokingFuneral PlansVariation Of Permissions

Compliance Services

Horizon ScanningRegulatory TrainingFCA Complaints HandlingFCA Compliance ConsultantsFinancial CrimeRegulatory Compliance DocumentationCompliance Advisory

Ongoing FCA Compliance

As an FCA authorised person or firm, you might need help to ensure you comply with the FCA’s rules.

We provide our clients with support they need to maintain compliance and avoid breaching the rules. Our bespoke service is individually tailored to each of our client’s requirements and objectives to help them meet in the best way possible.

Whether you need documentation to help you remain compliant, want ongoing advice or support, impartial monitoring of your activities or anything else, MEMA may be able to help.

Why Choose MEMA?

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MEMA has been supporting firms through the FCA compliance process since 2019. In that time, we have helped hundreds of businesses to successfully gain and retain FCA authorisation.

We have a unique blend of experience from ex-regulators, big 4 consultants and fin/regtech specialisation. Our team is highly experienced and expertly skilled. We specialise in providing our clients with solutions to often complex regulatory requirements and compliance needs.

Our unique industry insight and comfort with compliance enables our team to support you to the fullest extent possible, helping to develop your business model and compliance.

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January 28, 2022

Vulnerable customers – understanding and meeting the FCA’s guidelines

Fair treatment of vulnerable customers has been a longstanding concern for the FCA . The FCA has released the Finalised Guidance (FG21/1). It sets out its view of what firms should do to comply with their obligations under the Principles and ensure they treat vulnerable customers fairly.

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April 11, 2021

Preparing for your annual FCA Reporting Requirements

Your firm is due to submit its regulatory return(s) within 30 business days of your Accounting Reference Date. Reporting requirements apply to all firms with permissions to carry on regulated claims management activities, including firms with temporary permissions.

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July 4, 2025

FCA's Evolving Vision: Safer Culture, Smarter Tech, Sharper Trust

This week, the FCA took a bold step forward in reshaping both how firms operate and how customers experience financial services.

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Insights

AML compliance in cryptocurrencies is impacted by the EU's expansion of policies

The European Parliament has decided to approve a set of rules to enhance the EU's anti-money laundering and terrorist financing tools, with a specific focus on the cryptocurrency business. The regulation mandates the implementation of heightened due diligence protocols and identity verifications for customers. Obligatory entities, including cryptocurrency asset managers and institutions, are required to notify Financial Intelligence Units (FIUs) or other competent authorities of any suspicious activities. An elevated degree of due diligence is being applied to the cryptocurrency sector.
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November 23, 2022

FCA's new rules on Appointed Representative Regime

Changes to the Appointed Representatives regimes will take effect from 08 December 2022. The final rules were published in the Financial Conduct Authority’s policy statement to improve the appointed representative's regime.
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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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April 11, 2021

FCA Crypto Requirements

The Financial Conduct Authority (FCA), the UK Regulator, has established a Temporary Registration Regime that will allow existing crypto-asset firms, who have applied to be registered with the FCA, to continue trading in the UK financial market.
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November 10, 2024

Putting Customers First: Insights from the FCA's £10.9 Million Fine on TSB

Learn from TSB's FCA fine for failing to treat customers fairly. Discover how to align your firm's practices with regulatory expectations with MEMA Consultants.
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August 1, 2025

FCA in Motion: Tough Enforcement & Redress Reform

This week, the FCA delivered action on two fronts: enforcement and redress reform. It’s a call for firms to be both vigilant and prepared.
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January 9, 2023

What are the FCA Fit & Proper Requirements and Conduct rules?

Following on from our previous article about the Senior Manager regime, we provide more detail about the FCA Fit & Proper Requirements and Conduct rules.
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July 17, 2025

This Week in FCA: Fines, Flexibility & Future Policy

This week’s FCA updates focus on growth, governance, and global cooperation. A record £42 million fine against Barclays underscores the FCA’s uncompromising stance on financial crime controls.
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April 13, 2022

FCA Consumer Duty

The FCA has outlined a new Consumer Duty. This will most likely be set out as rules and guidance in the FCA handbook. Ultimately, there will be a higher level of protection for consumers and a higher level of expectation of care from firms providing services.
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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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August 25, 2022

MEMA joins the APCC!

We are pleased to announce that our application for MEMA Consultants Limited to become a member of the Association of Professional Compliance Consultants (APCC) has been successful.
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January 16, 2023

What are the FCA financial promotions and what internal controls should you set up

A financial promotion is any advertisement, communication, or other material that promotes a financial product or service. Financial promotions can take many forms, including print and online advertisements, marketing emails, social media posts, and sales presentations.
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January 31, 2022

New restrictions on the financial promotions of crypto assets

The Financial Conduct Authority (FCA) has launched a consultation paper (CP22/2) on financial promotion rules for high-risk investments, including crypto assets.
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April 20, 2023

FCA's New Consumer Duty Takes Center Stage Amid Cost of Living Crisis

The Financial Conduct Authority (FCA) has highlighted its focus on ensuring good consumer outcomes in its latest Business Plan, selecting 'putting consumers' needs first' as one of its four priority areas for the upcoming year. This comes in response to the ongoing cost of living crisis, and the FCA is committing additional resources and headcount to Consumer Duty-related activities.
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August 10, 2022

Financial Crime- Understanding the FCA Handbook rules

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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Your key contacts

ADEMOLA OMOSANYA

Ademola is an accomplished consultant with over a decade of experience across regulation, banking, and consumer credit. As MEMA Consultants co-founder, he leverages extensive regulatory expertise to guide clients through critical processes and full compliance. His experience across sectors enables tailored solutions to complex business challenges. Ademola partners with clients as a strategic advisor to help futureproof their business through an in-depth understanding of the regulatory landscape.

MISAH MARAGH

Misah is a director at MEMA Consultants with over a decade of experience in financial services. Holding a legal background and postgraduate qualification, she previously worked at the Financial Conduct Authority. Misah has led compliance transformation for global consumer services organisations across Europe, the Caribbean, and Latin America. Her expertise includes implementing compliance frameworks for financial regulations, FCPA, UK Bribery Act, data privacy, and Sarbanes-Oxley. Misah is skilled at advising clients on operational and strategic projects, leveraging her in-depth knowledge of regulatory environments to deliver solutions tailored to complex business needs.

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FCA AUTHORISATION

Consumer CreditCredit BrokingFuneral PlansPayment ServicesInsurance BrokingMortgage BrokingVariation of PermissionsSenior Managers and Certification RegimeAppointed Representative and Principal Firms

COMPLIANCE SERVICES

Horizon ScanningRegulatory TrainingFCA Compliance ConsultantsRegulatory Compliance DocumentationFCA Complaints HandlingFinancial Crime

CONTACT US

contact@memaconsultants.com03301330811Suite 1810, Unit 3a,
34-35 Hatton Gardens,
Holborn, EC1N 8DX

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