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Financial Crime

We help you prevent, detect, and investigate financial crime.

We will assess the potential of blockchain technology in your company and discuss possibilities of optimization.

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.

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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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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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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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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Insights

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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September 26, 2022

How much are the FCA fees?

The common question we receive when firms are deciding whether to get authorised or not as an FCA regulated firm is how much will it cost?
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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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October 19, 2021

Regulatory considerations for Consumer Credit Firms

The FCA's Director of Consumer and Retail Policy has recently provided its view on where changes are required in the Consumer Credit market.
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July 4, 2022

What is an FCA Final Notice

If you follow regulatory news, you will understand the FCA releases news of final notices and fines issued on firms and individuals that have breached its rules.
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August 7, 2022

Preparing for the TPR Regime

The Temporary Permissions Regime ('TPR') was designed in response to Brexit to ensure that European firms operating in the UK via a passport could continue operating temporarily while they seek full authorisation in the UK.
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May 12, 2025

FCA Regulatory Brief – Priority Actions for Firms

The FCA's recent activities highlight its focus on several key areas: conduct and culture, tech adoption, data and reporting efficiency, and global reach. The blog emphasizes that firms should proactively align with these themes to prepare for future supervision.
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March 24, 2025

Preparing for Future Challenges: Emerging UK Crypto Regulations and Strategic Planning

In the concluding part of our series, we shift focus to tomorrow’s regulatory environment—including pending legislation, potential expanded authorisation requirements, and international alignment trends.
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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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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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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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August 31, 2022

What is money laundering and what are some red flags you should consider?

Money laundering is the process of concealing or disguising the existence, source, movement, destination, or use of illicitly-derived property or funds to make them appear legitimate.
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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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June 12, 2022

How to write a FCA business plan

We intend on launching a range of How-To articles to help you understand and resolve your ongoing regulatory compliance matters. Our first instalment is a guide on how to write a regulatory business plan.
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April 11, 2021

FCA Cryptocurrency Regulation Part 1

From 10 January 2020, the FCA became the anti-money laundering and counter-terrorist financing (AML/CTF) supervisor for crypto firms, covering firms that exchange money to and from crypto assets and those that safeguard their customers crypto assets.
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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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Financial Crime