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Our Four Core Service Pillars

Everything ZEM Global offers sits under four disciplines. Choose the area relevant to you to see the full detail, or book a consultation if you are not yet sure which one applies.

Service Pillar

Regulatory & Compliance

FCA authorisation, MSB compliance, AML/CFT frameworks, and ongoing regulatory monitoring for payment institutions, MSBs and fintechs. View pillar overview →

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MSB Compliance Advisory

AML/CTF framework design, MLRO support, transaction monitoring, and ongoing compliance consultancy for Money Service Businesses.

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FCA SPI & API Authorisation

End-to-end support for Small Payment Institution and Authorised Payment Institution applications with the FCA.

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📋

HMRC MSB Registration Support

Support preparing and submitting your Money Service Business registration with HMRC, including supporting AML documentation.

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AML/CFT Policy & Review

Design, review and update AML and CTF policies and frameworks that meet current regulatory expectations and stand up to scrutiny.

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Transaction Monitoring & Risk Assessment

Transaction monitoring frameworks and business-wide risk assessments that identify unusual activity and satisfy regulatory expectations.

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Ongoing Compliance Monitoring

Act as your external compliance team, keeping your AML/CTF programme current, monitored and audit-ready year round.

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Regulatory Correspondence

Direct management of FCA and HMRC correspondence, including verification submissions, information requests, and supervisory responses.

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FCA Reporting & Regulatory Obligations

Manage ongoing FCA and HMRC reporting, periodic returns, fees, and supervisory obligations after authorisation.

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🔁

Change in Control Notifications

Manage FCA and HMRC change-in-control notification and approval requirements correctly and on time.

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📑

Regulatory Application Business Plan Support

Business plan and financial projection support built specifically for FCA and HMRC regulatory applications.

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🎓

Compliance Training Support

Staff training on AML/CFT obligations, red flags, and internal reporting procedures.

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🔍

Internal AML Audit / Independent Compliance Review

Independent review of your AML/CFT framework to identify gaps before a regulator does.

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Service Pillar

Accounting & Financial Management

Bookkeeping, tax compliance, payroll, management accounts and audit support for UK SMEs, start-ups, and owner-managed businesses. View pillar overview →

Service Pillar

Web Development & Digital Marketing

Websites, SEO, and social media marketing built to generate enquiries — not just look good. View pillar overview →

Service Pillar

Company Registration & Banking Services

UK company formation, Companies House filings, and documentation support to help your business get banking-ready. View pillar overview →

Ready to Strengthen Your Business?

Not Sure Which Service You Need?

Book a consultation and we will take the time to understand your situation and point you in the right direction, even if the answer is that you do not need us right now.

ZEM Global Consultants Ltd provides advisory and preparation support. Regulatory approval, bank account opening, and any third-party decision remain subject to the relevant authority, bank, or institution. ZEM Global Consultants Ltd is not a law firm.

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