Regulatory & Compliance Transformation

Navigating regulatory complexity with precision, control, and audit confidence

Financial institutions face relentless regulatory pressure from ECB, PRA, FCA, and ESMA. Regulatory breaches, long reporting cycles, inconsistent data lineage, and repeat audit findings create risk and cost. We deliver regulatory change programmes with audit-defensible quality and disciplined execution — designed to satisfy supervisory review on first reading.

Is this you?

• Regulatory breaches or near-misses creating reputational risk
• Inconsistent data lineage - can't trace data from source to report
• Long reporting cycles - struggling to meet deadlines
• Audit challenges - findings related to data quality, controls, or attestation
• Fragmented processes - different approaches across regions/desks
• Remediation fatigue - same issues keep coming back

If these sound familiar, you need expert regulatory transformation support.

What I deliver

Regulatory Gap Assessments

• Current state analysis - What you do today vs. what regulators expect
• Gap identification - Where you fall short
• Impact analysis - What happens if you don't close gaps
• Prioritization - Which gaps to fix first

Regulatory Process Flows (BPMN 2.0)

• End-to-end regulatory flows - From data capture to submission
• Control points - Where checks and validations occur
• Exception handling - What to do when things break
• System interactions - How platforms support compliance

Data Lineage Documentation

• Source to report - Full traceability of regulatory data
• Transformation logic - How data changes at each step
• Reconciliation points - Where data is validated
• Ownership - Who is accountable for what

Minimum Control Standards (MCS)

• Control frameworks - What controls must exist
• Control design - Preventative vs. detective
• Control testing - How to validate effectiveness
• Control owner accountability - Clear RACI

Remediation Workplans

• Structured approach - Phased remediation roadmap
• Milestones & deadlines - Clear delivery timeline
• Ownership & accountability - Who does what
• Progress tracking - Weekly status and risk reporting

Audit Response Packs

• Evidence packs - Documentation to satisfy auditors
• Control testing results - Proof of effectiveness
• Attestation statements - Senior management sign-off
• Remediation status - Closed findings with evidence

Specializations

ECB/SSM Programmes

• Supervisory review findings
• SREP action plans
• ECB thematic reviews
• Operational risk frameworks

Liquidity Reporting (LCR/NSFR)

• LCR daily reporting processes
• NSFR quarterly submissions
• Data lineage and reconciliation
• Intraday liquidity monitoring

Trade & Transaction Reporting

• EMIR, MiFID II, SFTR reporting
• Data quality and completeness
• Break analysis and remediation
• Regulatory submissions

Attestation Frameworks

• Senior management attestation
• Control certification
• Regulatory sign-off processes
• Quarterly/annual attestation cycles

Fee & Brokerage Reconciliation Control Uplift

• Fee/brokerage break analysis
• Control design and implementation
• Reconciliation process redesign
• Data quality improvement

Data Lineage & Data Quality Programmes

• End-to-end data flow mapping
• Data quality metrics and dashboards
• Data governance frameworks
• Master data management

What this solves

Regulatory Breaches

Identify and remediate compliance gaps before regulators do.

Inconsistent Data Lineage

Build crystal-clear traceability from source systems to regulatory reports.

Long Reporting Cycles

Streamline processes, automate checks, and compress submission cycles without weakening the control environment.

Audit Challenges

Provide audit-ready documentation and evidence that closes findings definitively and prevents repeat occurrence.

Fragmented Processes Across Regions

Standardize and harmonize regulatory processes globally.

Deliverables

You receive Tier-1 bank quality regulatory transformation outputs:

Regulatory Gap Assessments
Regulatory Process Flows (BPMN 2.0)
Data Lineage Documentation
Minimum Control Standards (MCS)
Remediation Workplans
Audit Response Packs
Control Testing Evidence
Attestation Frameworks

All audit-ready and regulator-approved.

Who this is for

• Investment Banks - Capital markets, trading, treasury operations
• Commercial Banks - Payments, retail, wholesale banking
• Asset Managers - Fund operations, regulatory reporting
• Broker-Dealers - Trade reporting, transaction surveillance
• Insurance Companies - Solvency II, capital requirements

Typical engagement

Week 1-2: Regulatory Gap Assessment

• Regulatory requirements review
• Current state analysis
• Gap identification and impact assessment
• Prioritization and roadmap

Week 3-8: Process & Control Design

• Regulatory process flows (BPMN)
• Data lineage mapping
• Control framework design
• MCS documentation

Week 9-12: Remediation & Implementation

• Remediation workplan execution
• Control testing
• Stakeholder training
• Audit evidence preparation

Week 13+: Attestation & Handover

• Senior management attestation
• Audit response packs
• Regulatory submission support
• Handover to BAU teams

Engagement models

Every regulatory transformation engagement is scoped to the regulatory domain (LCR, EMIR, MiFID II, SFTR, DORA, BCBS 239 and others), the severity of existing findings, the depth of remediation required, and the supervisory dialogue in flight. We commit to pricing transparently once we understand your situation.

• Regulatory Gap Assessment (2–3 weeks) — Structured review of a single regulatory domain: requirements walkthrough, current-state analysis, gap identification, impact assessment, and a prioritised remediation roadmap.
• Regulatory Transformation Programme (10–16 weeks) — Full lifecycle: gap analysis, process flows and data lineage, control framework design, remediation execution, audit response packs, and attestation support.
• Ongoing Regulatory Support (monthly) — Continuous regulatory change management, new regulation implementation, control monitoring, and audit support.

For a detailed breakdown of our engagement shapes and a scope-and-budget conversation form, see our engagements page.

Real results

Tier-1 Investment Bank (EMIR Reporting)

Challenge: EMIR data quality issues, 20% rejection rate, FCA review pending
Delivered: End-to-end data lineage, control uplift, break remediation process
Result: Rejection rate down to <2%, FCA review passed

European Commercial Bank (Liquidity Reporting)

Challenge: ECB finding on LCR data quality and control gaps
Delivered: Data lineage, control framework, daily reconciliation process, MCS
Result: ECB finding closed, daily LCR reporting now automated

Global Asset Manager (MiFID II Transaction Reporting)

Challenge: Missing reporting, incomplete data, audit red flags
Delivered: Regulatory gap assessment, process flows, data quality controls
Result: 100% reporting completeness, audit approval

Start here

Free: Regulatory Readiness Check

Send me your regulatory domain (e.g., LCR, EMIR, MiFID II). I'll send back a 10-minute Loom with:

• Common gaps I see in that regulation
• Key risks and red flags
• Quick wins for compliance

How we typically structure an engagement

• Regulatory Gap Assessment (2–3 weeks) — Requirements walkthrough, current-state analysis, gap identification, impact assessment, remediation roadmap
• Regulatory Transformation Programme (10–16 weeks) — Full gap analysis, process flows and data lineage, control framework design, remediation execution, audit response packs, attestation support
• Ongoing Regulatory Support (monthly) — Continuous regulatory change management, new regulation implementation, control monitoring, audit support

Engagements are scoped per client. For the engagement shapes we use and a comprehensive FAQ on how we scope, see our engagements page.

Why partner with us

Tier-1 institutional experience — Delivered ECB, PRA, and FCA programmes across investment and commercial banks, asset managers, and insurers
Deep regulatory fluency — Working knowledge of LCR, EMIR, MiFID II, SFTR, DORA, BCBS 239, and adjacent frameworks
Audit-defensible quality — Documentation that regulators and auditors approve on first review
Data lineage discipline — End-to-end traceability built into the engagement design, not retrofitted
Methodical, risk-managed delivery — Structured remediation approach that satisfies supervisory expectations without shortcuts

What makes great regulatory work

Bad regulatory work:

• "Check the box" compliance with no real control
• No data lineage or traceability
• Missing control testing
• Repeat findings every audit
• Manual, error-prone processes

Great regulatory work:

• Crystal-clear data lineage (source → report)
• Robust control framework (preventative + detective)
• Audit-ready evidence and attestation
• Automated checks and validations
• Sustainable, repeatable processes
• Zero repeat findings

Next steps

1. Free Readiness Check - Tell me your regulatory domain
2. Discovery Call - 30-minute discussion of your regulatory challenges
3. Proposal - Scoped engagement with clear deliverables
4. Kick-off - Start gap assessment in week 1