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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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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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June 27, 2022

Credit Broking- a brief FCA guide

At MEMA, we believe in upskilling our readers and clients as much as possible. We will be releasing brief explanations into Financial Conduct Authority (FCA)-regulated areas, so you can understand quickly what are the requirements in that area. Our first area will be Credit Broking.

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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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Insights

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 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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July 28, 2021

Anti Money Laundering warnings

The Financial Conduct Authority (FCA) issued a warning to retail banks in May 2021 (made public on 29 June) over continued weaknesses and failings surrounding their financial crime controls.
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May 2, 2021

Estate agency guidance for money laundering supervision- Part 1

If you are supervised by the HMRC for anti-money laundering purposes, you will need to meet requirements under the Money Laundering, Terrorist Financing, and Transfer of Funds (Information on the Payer) Regulations 2017.
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April 25, 2024

Improving Oversight of Appointed Representatives in the Credit Broking Industry Introduction

The Financial Conduct Authority (FCA) has recently assessed the key harms and drivers of harm caused by Appointed Representatives (ARs) and Introducer Appointed Representatives (IARs) in the credit broking sector. The regulator has identified areas for improvement in the due diligence checks conducted by principal firms when appointing ARs and in their ongoing monitoring of these representatives. This article will discuss the issues identified by the FCA and how firms can address these concerns to ensure better oversight of their ARs and IARs.
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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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August 12, 2022

The UK Financial Crime Legislation framework

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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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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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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January 20, 2023

FCA's Portfolio Strategy on Claims Management Companies: A Detailed Compliance Guide for CMC Firms

The Financial Conduct Authority (FCA) recently released its Portfolio Strategy on Claims Management Companies (CMCs) outlining its approach to regulating this sector and identifying key risks.
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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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June 27, 2025

FCA Weekly Brief: Homes, Payments & The Future of Finance

Explore this week’s FCA updates on mortgage reform, payment oversight, and market strategy — and what they mean for your firm’s next move.
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February 12, 2024

Financial crime poses significant threats that undermine market integrity and public trust

Financial crime undermines market integrity and public trust, prompting the FCA's 3-year strategy. MEMA advises firms to use tech, collaborate, educate, strengthen compliance, foster responsibility, and support AML reform. For assistance, contact MEMA's experts.
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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

CONTACT US

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

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