Case studies
Real outcomes for regulated firms
How we help firms get authorised, stay compliant and respond to the FCA. Every story is anonymised, and each one is based on a real engagement.
- Authorisations secured
- Compliance functions built
- Firms across multiple sectors
From a review on Trustpilot
“Their expertise and client service is second to none. Every single time they have delivered with excellence…”
- FCA authorisation
- Consumer Duty
- Financial crime & AML
- SM&CR
- Variation of permission
- Compliance monitoring
Trusted by ambitious firms
Firms we work with
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Payment Services & EMI
Payment institution authorised in 9 months after its application stalled
A payment institution's application had stalled after case-handler problems and the loss of key staff. MEMA got it moving again, and the firm was authorised in 9 months.
- 9 monthsTo authorisation
- AuthorisedFull PI permissions
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14 stories
- Payment Services & EMI
Payment institution authorised in 9 months after its application stalled
A payment institution's application had stalled after case-handler problems and the loss of key staff. MEMA got it moving again, and the firm was authorised in 9 months.
- 9 monthsto authorisation
- Authorisedfull PI permissions
Investment & Wealth ManagementInvestment authorisation saved after the FCA raised compliance concerns
Midway through an investment firm's application, the FCA raised concerns about its compliance arrangements. MEMA's ex-regulator team answered every point, and the firm was authorised.
- Authorisedinvestment permissions
- EveryFCA query answered
Cross-sectorAn outsourced compliance function for growing regulated firms
For firms without a full in-house compliance team, MEMA runs the compliance function: monthly horizon scanning, tracked actions and FCA support on call.
- Monthlyhorizon-scanning packs
- On calldirect access to MEMA's team
Payment Services & EMIA financial crime framework that satisfies the FCA and banking partners
A growing payments firm needed anti-money laundering controls that would satisfy both its banking partner and the FCA. MEMA built the risk assessment, controls and monitoring end to end.
- Passedbanking-partner due diligence
- End to endrisk assessment to staff training
Consumer CreditCompliance function stabilised after a sudden departure
When its compliance resource left suddenly, a consumer credit firm had nobody covering its FCA obligations. MEMA became the interim compliance function, reviewed the firm's position and kept it stable for 6 months while it recruited.
- ZeroFCA escalations during the gap
- 6 monthsinterim cover
Corporate FinanceA clean withdrawal, and a clear route back, after a permissions lapse
With its permissions at risk and an application heading the wrong way, a corporate finance firm took MEMA's advice to withdraw before a decision. Its record stayed clean and a re-authorisation route was mapped.
- Cleanregulatory record, no refusal
- Mappedroute back to authorisation
Investment & Wealth ManagementVoluntary requirement lifted after a 9-month remediation programme
After FCA supervisory feedback, an advice firm was under a voluntary requirement on its retirement income advice. MEMA ran the remediation programme, and the requirement was lifted.
- Liftedvoluntary requirement
- 9 monthsremediation programme
Payment Services & EMIFCA registration for a fintech that relies on third party data providers
A fintech built on third party data and verification providers had to show the FCA exactly how its service and supply chain worked. MEMA set that out, and the firm was registered.
- Registeredwith the FCA
- Mappedthird party provider chain
Investment & Wealth ManagementFair value evidence and a remediation plan for legacy fees
A wealth manager had mapped its products for the Consumer Duty but was not checking whether ongoing advice fees on older, closed-book products still gave fair value. MEMA built the evidence and a costed remediation plan.
- Costedremediation and redress plan
- Ongoingfair value evidence
CryptoassetsReadiness scoping ahead of the UK cryptoasset regime
A cryptoasset firm wanted to know what the UK's new authorisation regime would ask of it before committing to an application. MEMA scoped the requirements against its business.
- Earlyscoped ahead of the regime
Cross-borderUK perimeter scoping for an international firm entering the market
Before launching in the UK, an international firm needed to know whether its activities would need FCA authorisation. MEMA set out its UK regulatory position and what it would need in place.
- ClearUK regulatory position
Cross-sectorFrom appointed representative to its own FCA authorisation
A firm trading as an appointed representative wanted its own FCA authorisation. MEMA supported the controls it ran for its principal, then its application to be authorised directly.
- Authoriseddirectly by the FCA
Claims ManagementA claims management firm's FCA application, built and submitted on deadline
When regulation of claims management moved to the FCA, a firm that had never dealt with the regulator faced a tight application deadline. MEMA found the gaps, wrote what was missing and answered the FCA's follow-up questions.
- 14FCA follow-up questions answered
- On timefull application submitted
Claims ManagementConsumer Duty readiness for a specialist claims firm, ahead of the deadline
A specialist claims firm did most of its work outside FCA regulation and needed to know how the Consumer Duty applied to it. MEMA mapped the Duty to its business and delivered a gap analysis before the rules came into force.
- 12 daysahead of the Duty's deadline
- All fourconsumer Duty outcomes mapped
Client details are presented to protect confidentiality. Outcomes reflect specific engagements and are not a guarantee of results, as every firm's circumstances differ. Client stories are anonymised.
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Talk through your situation with an ex-regulator-led team and leave with a clear next step.
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Turning FCA supervisory concerns into an evidence-led remediation programme
An anonymised account of evidence gathering, control testing and management-response reconciliation. Review delivered; no claim of FCA acceptance or removal of restrictions.
Read the review approach