Regulated businesses carry a different burden of proof. Every policy, transaction, and piece of correspondence needs to stand up to scrutiny from the FCA, HMRC, or your bank. We support MSBs, payment institutions and fintech firms through authorisation, registration, and the ongoing discipline of staying compliant once you are trading.
Money Service Businesses, small and authorised payment institutions, fintech firms, e-money businesses, and other UK entities operating in financial-crime-regulated or FCA-supervised sectors.
Explore each service in detail below.
AML/CTF framework design, MLRO support, transaction monitoring, and ongoing compliance consultancy for Money Service Businesses.
Learn More →End-to-end support for Small Payment Institution and Authorised Payment Institution applications with the FCA.
Learn More →Support preparing and submitting your Money Service Business registration with HMRC, including supporting AML documentation.
Learn More →Design, review and update AML and CTF policies and frameworks that meet current regulatory expectations and stand up to scrutiny.
Learn More →Transaction monitoring frameworks and business-wide risk assessments that identify unusual activity and satisfy regulatory expectations.
Learn More →Act as your external compliance team, keeping your AML/CTF programme current, monitored and audit-ready year round.
Learn More →Direct management of FCA and HMRC correspondence, including verification submissions, information requests, and supervisory responses.
Learn More →Manage ongoing FCA and HMRC reporting, periodic returns, fees, and supervisory obligations after authorisation.
Learn More →Manage FCA and HMRC change-in-control notification and approval requirements correctly and on time.
Learn More →Business plan and financial projection support built specifically for FCA and HMRC regulatory applications.
Learn More →Staff training on AML/CFT obligations, red flags, and internal reporting procedures.
Learn More →Independent review of your AML/CFT framework to identify gaps before a regulator does.
Learn More →Book a consultation and we will take the time to understand your situation before recommending anything.
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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