Our Compliance Services

Strengthen Compliance. Secure Growth.

In today’s evolving financial landscape, regulatory compliance isn’t just a legal necessity—it’s the foundation of trust, integrity, and sustainable success.

At Rossbury Compliance Services, we recognise the complexities financial services firms face in meeting stringent regulatory demands. Our expert team delivers comprehensive, tailored solutions, ensuring your business remains compliant, resilient, and prepared for future regulatory changes.

With Rossbury, you gain:

Proactive Risk Management – Identify and mitigate compliance risks before they impact your business.
Seamless Authorisation Support – Expert guidance to integrate compliance into your firm’s framework efficiently.
Ongoing Regulatory Expertise – From initial authorisation to reporting and audits, we’re with you every step of the way.
Freedom to Focus on Growth – With compliance handled, you can dedicate your energy to business expansion and client success.

Partner with Rossbury Compliance Services and navigate financial regulations with confidence.

1. Authorisations: Your Gateway to Operating

Entering the regulated financial services market, or expanding your existing permissions, can be a complex and time-consuming process. Our Authorisations service guides new and existing firms through every step of the FCA application journey.

What we do:

Initial Scoping & Strategy: We help you define your regulatory perimeter and determine the most appropriate permissions.
Application Preparation: Meticulous drafting of your regulatory business plan, systems and controls documentation, and all required forms.
Risk & Governance Frameworks: Assistance in establishing robust governance structures and identifying key risks.
FCA Liaison: Proactive communication and management of queries with the FCA on your behalf.
Pre-submission Reviews: Ensuring your application is complete, compelling, and meets FCA expectations, significantly increasing your chances of success.

Benefit to you:

Secure your regulatory permissions efficiently and correctly, avoiding costly delays and potential pitfalls. We streamline the process, allowing you to focus on launching or expanding your business with a solid regulatory foundation.

2. Regulatory Assurance: Maintaining Continuous Compliance

The regulatory landscape is constantly evolving, making ongoing compliance a continuous challenge. Our Regulatory Assurance service provides continuous oversight and proactive support to ensure your firm maintains adherence to FCA rules and principles.

What we do:

Regular Compliance Health Checks: Periodic reviews of your operations, policies, and procedures against current FCA requirements.
Policy & Procedure Development: Drafting and updating compliance manuals, policies, and internal controls.
Regulatory Updates & Alerts: Keeping you informed of upcoming changes and their implications for your business.
Mock Audits & Thematic Review Preparation: Simulating FCA visits and helping you prepare for specific regulatory scrutiny areas.
Compliance Monitoring Programme Design: Developing and implementing effective monitoring frameworks to identify and address risks internally.

Benefit to you:

Mitigate the risk of non-compliance, avoid penalties, and demonstrate a robust control environment to the FCA. We help embed a culture of compliance that protects your business and reputation.

3. Past Business Reviews & Audits: Addressing Historical Risk

Firms are increasingly challenged to review their historical conduct and identify any potential issues arising from past business activities, particularly in response to regulatory directives or customer complaints. Our Past Business Review and Audit service offers an independent, structured approach to assessing historical risk.

What we do:

Scope Definition: Working with you to define the parameters and methodology for the review.
Data Gathering & Analysis: Methodical collection and review of relevant past business data, advice records, and communications.
Issue Identification: Expert identification of potential mis-selling, suitability breaches, or other conduct concerns.
Redress Calculation & Remediation Support: Assisting with the calculation of customer redress and guiding you through the remediation process.
Reporting & Documentation: Providing clear, comprehensive reports and maintaining an auditable trail of your review process.

Benefit to you:

Proactively identify and resolve historical conduct risks, manage potential liabilities, and demonstrate a commitment to fair customer outcomes, protecting your firm from future regulatory action and reputational damage.

A woman at the office overlooking the city skyline

4. Senior Managers & Certification Regime (SM&CR): Drive Accountability

The Senior Managers & Certification Regime (SM&CR) places greater personal accountability on individuals within financial services firms. Our SM&CR service helps you embed this critical framework, fostering a culture of clear responsibility and good conduct.

What we do:

SM&CR Implementation: Guiding you through the initial setup and embedding of the regime within your firm.
Responsibility Mapping: Clearly defining and documenting responsibilities for Senior Managers and Certified Persons.
Statements of Responsibilities (SoRs) & Management Responsibilities Maps (MRMs): Drafting and maintaining these crucial documents.
Fitness & Propriety Assessments: Establishing and maintaining processes for assessing the ongoing fitness and propriety of relevant individuals.
Conduct Rules Training: Developing and delivering training programmes for all relevant staff on the FCA's Conduct Rules.
Ongoing Compliance & Reporting: Supporting you with annual certifications and other ongoing SM&CR requirements.

Benefit to you:

Ensure robust governance, establish clear lines of accountability, and meet the FCA's expectations for individual conduct and responsibility, strengthening your firm's overall integrity and regulatory standing.

5 . Consumer Duty

The FCA’s Consumer Duty sets higher expectations for financial services firms, ensuring they deliver good outcomes for retail customers. It requires firms to act proactively to prioritise customer interests and improve transparency, fairness, and accountability.

At Rossbury Compliance Services, we help financial services firms embed the principles of Consumer Duty into their operations, ensuring compliance while fostering a customer-centric culture.

What We Do:

Consumer Duty Implementation – Supporting firms in integrating Consumer Duty principles across their business.
Governance & Oversight – Strengthening governance frameworks to align with Consumer Duty requirements and expectations.
Fair Value Assessments – Assisting in evaluating products and services to ensure fair pricing and value for customers.
Customer Outcomes Monitoring – Developing robust processes to track, assess, and evidence positive customer outcomes.
Training & Cultural Change – Providing tailored training to embed a customer-first mindset and regulatory accountability.
Ongoing Compliance & Reporting – Helping firms stay compliant with regular reviews, reporting, and FCA expectations.

The Four Consumer Duty Outcomes:

Products & Services – Ensuring firms design and deliver products that meet customer needs and provide genuine benefits. We assist in reviewing and refining product governance to align with FCA expectations.
Price & Value – Helping firms assess whether their pricing models offer fair value and ensuring transparent cost disclosures that support good customer outcomes.
Consumer Understanding – Supporting firms in creating clear, accessible, and effective communications that enable customers to make informed decisions.
Consumer Support – Assisting in developing robust customer support frameworks that allow customers to use products and services effectively, with timely and responsive assistance.

Benefit to You:

Ensure your firm meets the FCA’s higher standards, fosters customer trust, and delivers transparent, fair, and value-driven outcomes. With Rossbury’s expert guidance, you can confidently embed Consumer Duty into your business strategy, strengthening compliance and enhancing customer relationships.