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financial crime compliance and consulting services

Financial crime compliance and consulting services

At MEMA, we specialize in providing comprehensive financial crime compliance services that help businesses prevent, detect, and investigate financial crimes effectively.
In today's dynamic regulatory landscape, staying proactive is more crucial than ever.

Our team is dedicated to ensuring that your organization is not only responding to potential regulatory incidents but is also continually focused on fulfilling your ongoing regulatory obligations.

Expert Financial Crime Consulting

Our financial crime consulting services are backed by robust technical expertise and a deep understanding of both the operational hurdles and regulatory expectations that businesses face. We offer tailored solutions designed to strengthen your defenses against financial crimes.

Comprehensive Financial Crime Services:

  • Anti-money laundering (AML)
  • Risk and Regulation
  • Know your customer
  • Transaction monitoring
  • Fraud
  • Anti-bribery & corruption
  • Sanctions

To find out more about how MEMA can support your financial crime requirements, please contact us.

Regulatory Sectors

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

Compliance Services

Compliance AdvisoryFCA Compliance ConsultantsFCA Complaints HandlingFinancial CrimeStrategic ForesightRegulatory Compliance DocumentationRegulatory Training

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 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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August 9, 2023

Revised U.K. Financial Regulators' Complaints Scheme - Coming into effect 1, November 2023

In a collaborative effort, the Financial Conduct Authority (FCA), Prudential Regulation Authority (PRA), and Bank of England have unveiled their revised Complaints Scheme, which fundamentally shapes the protocol for addressing and managing grievances lodged against the U.K. regulatory bodies. This revamped framework encompasses several significant modifications:

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April 5, 2023

Review of the Senior Managers & Certification Regime (SMCR)

On 30 March 2023, the UK government and regulators initiated a review of the Senior Managers & Certification Regime (SMCR) through a Call for Evidence from Her Majesty's Treasury (HMT) and a joint Discussion Paper (DP23/3) from the Financial Conduct Authority (FCA) and Prudential Regulation Authority (PRA).

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Insights

January 28, 2022

What are regulatory controls and how do you conduct control monitoring

As a regulated firm or a firm wishing to become regulated, you will need to ensure you have a robust control plan and can conduct effective monitoring of controls. In this article, we will detail what a control plan is and the steps you can take to conduct effective control monitoring.
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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 19, 2024

Preparing for Change: The UK's Move to Regulate 'Buy Now, Pay Later' Lenders

Understand the UK's proposed regulation of 'Buy Now, Pay Later' lenders and what financial firms need to prepare for. Insights from MEMA Consultants.
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December 20, 2025

FCA Consumer Duty: Focus on consumer protection, regulatory clarity, and market growth.

This week, the FCA has made significant strides in enhancing consumer protection, improving regulatory clarity, and fostering market growth. The final guidance on tackling non-financial misconduct reaffirms the FCA’s commitment to strengthening ethical standards in the financial services sector. Alongside this, the FCA has outlined plans to build the future mortgage market, with a strong emphasis on accessibility and sustainability. Key updates also include crypto regulation proposals, insurance work expansions, and a reform to the UK Benchmarks Regulation. Firms should review their compliance frameworks, risk strategies, and actively participate in consultations to align with these regulatory changes.
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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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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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April 11, 2021

FCA Threshold Conditions

Firms that apply for FCA authorisation have to meet the Financial Conduct Authority's minimum standards to become authorised – known as the “Threshold Conditions”.
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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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December 11, 2025

FCA updates : Regulatory simplification, financial crime controls, and the future of digital payments

This week the FCA moved to reduce regulatory burden while reinforcing market integrity. Late fee reductions and insurance rule simplification aim to ease compliance pressures. New tools and initiatives target financial crime, investment decision support, and long-term market growth. Stablecoin payments remain a clear priority for 2026. Firms should update processes, strengthen controls, and align strategies with the FCA’s investment and digital finance agenda.
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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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July 11, 2025

Crime, Clarity & Controls: This Week in FCA Action

This week, the FCA pulled no punches in its approach to market integrity and customer protection — issuing fines, securing convictions, and upgrading its regulatory infrastructure. Here's what matters and what firms should do next.
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April 28, 2022

How you can enhance your financial crime controls

The Financial Conduct Authority has released its key findings from its recent review of financial crime controls at several challenger banks. There are quite a few takeaways you can take to actively enhance your systems and controls.
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May 15, 2021

Understanding virtual asset service providers

Virtual asset service providers have been defined as a new financial sector facing significant money laundering and terrorist financing risks.
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April 11, 2021

Notfication for FCA Directory Persons

Have you completed your FCA Directory Persons? If you have not heard or are wondering, by 31 March 2021, the FCA is proposing that solo regulated firms (you) must submit their Directory Persons data via Connect.
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April 25, 2022

What to take away from the FCA's Business Plan 2022-2023

The FCA has released its new business strategy for the next 12 months.
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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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34-35 Hatton Gardens,
Holborn, EC1N 8DX

Financial Crime