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case study

Strategic Foresight - Horizon Scanning

Horizon Scanning

We offer comprehensive Horizon Scanning services to help firms in the financial sector gain a strategic advantage in an ever-evolving regulatory and compliance landscape.Our Horizon Scanning services involve taking a forward-looking approach to identify emerging risks, changes, and opportunities related to financial crime and regulatory compliance. This enables our clients to proactively adapt and stay ahead of the curve.

This will involve:

  • Regulatory changes and draft legislation on the horizon
  • New financial crime risks and typologies
  • Assist you in consolidating, prioritising and building a multi-phase transformational road map
  • Market innovations and developments

Our interdisciplinary team analyses leading indicators across pertinent horizons to map emerging risks, opportunities and scenarios most salient to the client’s mission. Horizon mapping is powered by a fusion of machine intelligence and human expertise to interrogate regulatory discourse, enforcement trajectories, geopolitical shifts, and more.Dominate your industry by acting boldly on what’s ahead. Contact MEMA Consultants to unlock the power of strategic foresight. Our environmental scanning delivers the actionable foreknowledge needed to lead markets.

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 CrimeBlockchain ConsultingRegulatory 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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August 22, 2022

What is terrorist financing in simple terms

In the UK, Part 3 of the Terrorism Act 2000 criminalises terrorist financing and makes it an offence to:

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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 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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Insights

April 11, 2021

Preparing financial projections for the FCA

In this article, we briefly cover the financial projections that companies are expected to produce when submitting their application to the Financial Conduct Authority (FCA).
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July 25, 2025

Regulation in Motion: What the FCA Moved This Week

From fines to financial access, the FCA continues to evolve — balancing strong enforcement with structural reform.
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November 14, 2025

FCA Updates: Strategic Innovation, Accountability, and Global Collaboration

The FCA’s new partnership with Singapore is a significant step in the cross-border collaboration on AI and fintech growth. As both regulators push for global AI development, this could open doors for firms operating internationally. However, compliance frameworks must evolve to keep pace with this rapid development.
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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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March 17, 2025

Achieving FCA Compliance in the UK Crypto Sector: Registration, Best Practices, and Case Studies

Having explored the regulatory foundations in our first article, we now turn to the nuts and bolts of achieving FCA compliance.
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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 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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April 11, 2021

Deconstructing the Dear CEO Letter

On 26 October 2020, the FCA issued its warning to CMC firms regarding their steps taken to fully investigate the merits of each potential claim before pursuing it.
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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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September 13, 2022

What are AML Trigger events your team needs to be aware of?

Trigger Events highlight instances where there may be a change in customers’ circumstances.
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April 11, 2021

Understanding the FCA Culture and Governance requirements

The financial crisis placed banks under the public spotlight, the investigation into some of the practices revealed behaviors that caused public indignation, Payment Protection Insurance (PPI) is but one example. The financial crisis placed banks under the public spotlight, the investigation into some of the practices revealed behaviors that caused public indignation, Payment Protection Insurance (PPI) is but one example.
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September 20, 2022

How to conduct a Business and Customer Risk Assessment

A business risk assessment provides visibility of the levels of AML risks within your firm to demonstrate the application of a risk-based approach. The outcome of the BRA is an AML risk rating for you and the organisational chart of business units is differentiated into high, medium or low risk. The BRA evaluates the AML risks faced by the business and demonstrates that it allocates resources according to the risk-based approach.
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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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May 23, 2025

FCA Regulatory Brief – Priority Actions for Firms 9 May – 22 May 2025

The FCA’s announcements between 9 May – 22 May 2025 underscore three immediate themes for regulated firms
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Navigate the New Financial Crime Landscape with FCA's Updated Guide and MEMA Consulting's Expertise

In response to evolving regulatory landscapes and recent global events, the Financial Conduct Awareness (FCA) has unveiled proposed updates to its Financial Crime Guide, CP24/9. The revisions aim to enhance sanctions systems, address proliferation financing, and refine transaction monitoring with a focus on modern technologies like Artificial Intelligence and cryptoassets. With these updates, the FCA seeks to fortify financial crime prevention measures and ensure firms are well-equipped to meet new challenges. As firms adapt to these changes, MEMA Consulting stands ready to offer expert guidance and tailored support, helping businesses align with FCA's stringent standards and navigate this complex regulatory terrain effectively.
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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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Secure Solutions for a Regulated World: Bridging Compliance and Business Excellence

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

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