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Regulatory sectors
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Insights
About us

Strategic Foresight - Horizon Scanning

Horizon Scanning

We offer comprehensive Horizon Scanning services to help firms in the financial sector gain a strategic advantage in an ever-evolving regulatory and compliance landscape.

Our Horizon Scanning services involve taking a forward-looking approach to identify emerging risks, changes, and opportunities related to financial crime and regulatory compliance. This enables our clients to proactively adapt and stay ahead of the curve.

This will involve:

  • Regulatory changes and draft legislation on the horizon
  • New financial crime risks and typologies
  • Assist you in consolidating, prioritising and building a multi-phase transformational road map
  • Market innovations and developments

Our interdisciplinary team analyses leading indicators across pertinent horizons to map emerging risks, opportunities and scenarios most salient to the client’s mission. Horizon mapping is powered by a fusion of machine intelligence and human expertise to interrogate regulatory discourse, enforcement trajectories, geopolitical shifts, and more.

Dominate your industry by acting boldly on what’s ahead. Contact MEMA Consultants to unlock the power of strategic foresight. Our environmental scanning delivers the actionable foreknowledge needed to lead markets.

Regulatory Sectors

FCA AuthorisationCredit BrokingSenior Managers And Certification RegimeInsurance BrokingAppointed Representative And Principal FirmsConsumer CreditMortgage BrokingFuneral PlansVariation Of Permissions

Compliance Services

Blockchain ConsultingRegulatory TrainingFCA Complaints HandlingFCA Compliance ConsultantsFinancial CrimeRegulatory Compliance DocumentationCompliance Advisory

Ongoing FCA Compliance

As an FCA authorised person or firm, you might need help to ensure you comply with the FCA’s rules.

We provide our clients with support they need to maintain compliance and avoid breaching the rules. Our bespoke service is individually tailored to each of our client’s requirements and objectives to help them meet in the best way possible.

Whether you need documentation to help you remain compliant, want ongoing advice or support, impartial monitoring of your activities or anything else, MEMA may be able to help.

Why Choose MEMA?

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MEMA has been supporting firms through the FCA compliance process since 2019. In that time, we have helped hundreds of businesses to successfully gain and retain FCA authorisation.

We have a unique blend of experience from ex-regulators, big 4 consultants and fin/regtech specialisation. Our team is highly experienced and expertly skilled. We specialise in providing our clients with solutions to often complex regulatory requirements and compliance needs.

Our unique industry insight and comfort with compliance enables our team to support you to the fullest extent possible, helping to develop your business model and compliance.

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April 25, 2022

What to take away from the FCA's Business Plan 2022-2023

The FCA has released its new business strategy for the next 12 months.

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May 21, 2021

Claims Management Phoenixing

The FCA has released its latest consultation paper affecting the Claims Management Industry.

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July 26, 2021

Regulation of the funeral plan market

On 5 July 2021, the Financial Conduct Authority (FCA) launched a consultation (CP21/20) on its proposals for regulating the pre-paid funeral plan sector. This is part of an extensive regulatory change in the pre-paid funeral plan market. Under the proposals, the FCA will take over regulation from the Funeral Planning Authority (FPA) on the 29th July 2022.‍

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Insights

June 27, 2022

Credit Broking- a brief FCA guide

At MEMA, we believe in upskilling our readers and clients as much as possible. We will be releasing brief explanations into Financial Conduct Authority (FCA)-regulated areas, so you can understand quickly what are the requirements in that area. Our first area will be Credit Broking.
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April 11, 2021

Planning for FCA Authorisation

In this article, we briefly cover how long to expect when firms are submitting their applications for authorisations to the Financial Conduct Authority (FCA).
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May 16, 2022

Learn how to conduct Wind Down Planning

The FCA recently completed a thematic review of wind-down processes across a number of business models. The review was aimed at reviewing firms on whether they held the appropriate liquidity, examining intragroup dependencies and wind-down triggers.
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June 20, 2022

How to navigate the Skilled Person Review

As part of our How to series, we thought to release a brief guide on what to do when you are required to appoint a Skilled Persons by the regulator.
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September 20, 2022

How to conduct a Business and Customer Risk Assessment

A business risk assessment provides visibility of the levels of AML risks within your firm to demonstrate the application of a risk-based approach. The outcome of the BRA is an AML risk rating for you and the organisational chart of business units is differentiated into high, medium or low risk. The BRA evaluates the AML risks faced by the business and demonstrates that it allocates resources according to the risk-based approach.
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September 13, 2022

What are AML Trigger events your team needs to be aware of?

Trigger Events highlight instances where there may be a change in customers’ circumstances.
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January 20, 2023

FCA's Portfolio Strategy on Claims Management Companies: A Detailed Compliance Guide for CMC Firms

The Financial Conduct Authority (FCA) recently released its Portfolio Strategy on Claims Management Companies (CMCs) outlining its approach to regulating this sector and identifying key risks.
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August 7, 2022

Preparing for the TPR Regime

The Temporary Permissions Regime ('TPR') was designed in response to Brexit to ensure that European firms operating in the UK via a passport could continue operating temporarily while they seek full authorisation in the UK.
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February 16, 2023

Consumer Credit Reforms - Are they long overdue?

The Consumer Credit Act 1974 (CCA) is a significant piece of legislation that regulates credit agreements, such as personal loans, overdrafts, and credit card purchases. However, the CCA has undergone numerous changes over the years, resulting in a fragmented and complex consumer credit framework that is difficult to navigate.
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April 20, 2023

FCA's New Consumer Duty Takes Center Stage Amid Cost of Living Crisis

The Financial Conduct Authority (FCA) has highlighted its focus on ensuring good consumer outcomes in its latest Business Plan, selecting 'putting consumers' needs first' as one of its four priority areas for the upcoming year. This comes in response to the ongoing cost of living crisis, and the FCA is committing additional resources and headcount to Consumer Duty-related activities.
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November 23, 2022

FCA's new rules on Appointed Representative Regime

Changes to the Appointed Representatives regimes will take effect from 08 December 2022. The final rules were published in the Financial Conduct Authority’s policy statement to improve the appointed representative's regime.
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May 15, 2021

Understanding virtual asset service providers

Virtual asset service providers have been defined as a new financial sector facing significant money laundering and terrorist financing risks.
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November 10, 2024

Putting Customers First: Insights from the FCA's £10.9 Million Fine on TSB

Learn from TSB's FCA fine for failing to treat customers fairly. Discover how to align your firm's practices with regulatory expectations with MEMA Consultants.
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January 7, 2022

FCA Fee Cap on CMCs

You will be aware that the FCA’s price cap is coming into existence on 1 March 2022. As a quick primer, this means there will now be five redress bands with a maximum fee charged per band.
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August 29, 2022

Who would be considered a Politically Exposed Person (PEP)?

“A Politically Exposed Person (PEP) is a natural person who is or has been entrusted with prominent public functions and includes his/her immediate family or persons known to be close associates of such persons, but shall NOT include middle ranking or more junior officials.”
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Your key contacts

ADEMOLA OMOSANYA

Ademola is an accomplished consultant with over a decade of experience across regulation, banking, and consumer credit. As MEMA Consultants co-founder, he leverages extensive regulatory expertise to guide clients through critical processes and full compliance. His experience across sectors enables tailored solutions to complex business challenges. Ademola partners with clients as a strategic advisor to help futureproof their business through an in-depth understanding of the regulatory landscape.

MISAH MARAGH

Misah is a director at MEMA Consultants with over a decade of experience in financial services. Holding a legal background and postgraduate qualification, she previously worked at the Financial Conduct Authority. Misah has led compliance transformation for global consumer services organisations across Europe, the Caribbean, and Latin America. Her expertise includes implementing compliance frameworks for financial regulations, FCPA, UK Bribery Act, data privacy, and Sarbanes-Oxley. Misah is skilled at advising clients on operational and strategic projects, leveraging her in-depth knowledge of regulatory environments to deliver solutions tailored to complex business needs.

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FCA AUTHORISATION

Consumer CreditCredit BrokingFuneral PlansPayment ServicesInsurance BrokingMortgage BrokingVariation of PermissionsSenior Managers and Certification RegimeAppointed Representative and Principal Firms

COMPLIANCE SERVICES

Horizon ScanningRegulatory TrainingFCA Compliance ConsultantsRegulatory Compliance DocumentationFCA Complaints HandlingFinancial Crime

CONTACT US

contact@memaconsultants.com03301330811Suite 1810, Unit 3a,
34-35 Hatton Gardens,
Holborn, EC1N 8DX

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