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Regulatory sectors
Compliance services
Insights
About us

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

Blockchain ConsultingRegulatory 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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March 15, 2023

The Motor Finance Industry: How to Apply the Consumer Duty Principle

On 1 March 2023, the FCA released a portfolio letter titled "Implementing the Consumer Duty in the Motor Finance Providers Portfolio." The letter highlights the need for a more consumer-focused approach and emphasizes that CEOs or directors should personally focus on implementing the Consumer Duty.

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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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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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Insights

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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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

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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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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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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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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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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July 26, 2021

Regulation of the funeral plan market

On 5 July 2021, the Financial Conduct Authority (FCA) launched a consultation (CP21/20) on its proposals for regulating the pre-paid funeral plan sector. This is part of an extensive regulatory change in the pre-paid funeral plan market. Under the proposals, the FCA will take over regulation from the Funeral Planning Authority (FPA) on the 29th July 2022.‍
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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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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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February 20, 2025

FCA Announces Payment Services Authorisation Information Sessions

The FCA Payment Services Authorisation Information Session will take place on 9 May 2025 in Stratford, with a virtual session in June. This event is essential for payments and e-money firms seeking FCA authorisation, as well as advisory firms supporting the sector.
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March 7, 2025

Navigating the UK Crypto Landscape: Key Definitions and Regulatory Overview

The United Kingdom has a rapidly evolving crypto market with growing consumer interest. Yet, despite increased adoption, many crypto businesses and investors remain uncertain about the rules governing this space.
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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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February 6, 2023

5 Steps for Conducting Effective Compliance Control Monitoring for Financial Firms

Compliance control monitoring is a crucial aspect of maintaining regulatory compliance for financial firms. The Financial Conduct Authority (FCA) requires firms to have robust controls and monitoring systems in place, and it is up to individual firms to implement these measures effectively. In this article, we will discuss the steps that firms can take to conduct compliance control monitoring.
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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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Secure Solutions for a Regulated World: Bridging Compliance and Business Excellence

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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

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

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