Step 02 / Explore the pack
See the plan. Know what was found.
A visual view of what is inside the Payments and e-money edition, before you open Excel. Choose a tab to explore the illustrative worked example.
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Payments and e-money
Compliance monitoring master pack · illustrative example firm: Brindlemoor Pay Limited
- 01
- Reviews overdue
- 01
- Reviews due soon
- 03
- Open findings
- 27
- Reviews completed
At the as-at date
Within 30 days
2 high severity
Logged in the example
Each review is scored on impact times likelihood. The score sets how often it is done, using the thresholds below. The thresholds here are illustrative: your own workbook leaves them blank for you to set.
Quarterly from 16, half-yearly from 10, annually from 5, otherwise every two years.
- R01Financial promotions and communicationsOn track
- Score
- 4 × 3 = 12
- Review every
- Half-yearly
- Last completed
- 28 Aug 2026
- Next due
- 28 Feb 2027
Annual plan: Feb 27, Aug 27
- R02Complaints handling and root causesOn track
- Score
- 4 × 4 = 16
- Review every
- Quarterly
- Last completed
- 30 Sep 2026
- Next due
- 30 Dec 2026
Annual plan: Dec 26, Mar 27, Jun 27, Sep 27
- R03Customer due diligence and ongoing monitoringDue soon
- Score
- 5 × 4 = 20
- Review every
- Quarterly
- Last completed
- 15 Aug 2026
- Next due
- 15 Nov 2026
Annual plan: Nov 26, Feb 27, May 27, Aug 27
- R04Training and competenceOn track
- Score
- 3 × 3 = 9
- Review every
- Annually
- Last completed
- 19 May 2026
- Next due
- 19 May 2027
Annual plan: May 27
- R05Record keepingOverdue
- Score
- 3 × 2 = 6
- Review every
- Annually
- Last completed
- 26 Sep 2025
- Next due
- 26 Sep 2026
Annual plan: Oct 26 (now)
- R06Conflicts of interestOn track
- Score
- 3 × 2 = 6
- Review every
- Annually
- Last completed
- 27 Aug 2026
- Next due
- 27 Aug 2027
Annual plan: Aug 27
- R07Consumer Duty outcomes monitoringOn track
- Score
- 4 × 3 = 12
- Review every
- Half-yearly
- Last completed
- 29 Jul 2026
- Next due
- 29 Jan 2027
Annual plan: Jan 27, Jul 27
- R08Customer support and vulnerable customersOn track
- Score
- 4 × 3 = 12
- Review every
- Half-yearly
- Last completed
- 30 Sep 2026
- Next due
- 30 Mar 2027
Annual plan: Mar 27, Sep 27
- R09Outsourcing and third-party oversightOn track
- Score
- 4 × 4 = 16
- Review every
- Quarterly
- Last completed
- 10 Sep 2026
- Next due
- 10 Dec 2026
Annual plan: Dec 26, Mar 27, Jun 27, Sep 27
- R10Financial crime systems and controlsOn track
- Score
- 5 × 4 = 20
- Review every
- Quarterly
- Last completed
- 14 Oct 2026
- Next due
- 14 Jan 2027
Annual plan: Jan 27, Apr 27, Jul 27
- R11Governance and management informationOn track
- Score
- 4 × 2 = 8
- Review every
- Annually
- Last completed
- 18 Jul 2026
- Next due
- 18 Jul 2027
Annual plan: Jul 27
- R12Regulatory notifications and returnsOn track
- Score
- 3 × 1 = 3
- Review every
- Every two years
- Last completed
- 5 Dec 2025
- Next due
- 5 Dec 2027
Annual plan: not in this plan year
See the actual workbook · real Excel sheets, rendered from the example file
Built from the same data and formulas as the worked-example workbook, for an invented firm. All figures and thresholds are illustrative, not benchmarks.
About the Payments and e-money edition
E-money institutions, authorised and small payment institutions and registered account information service providers. Other firms should take account of the compliance function rule, SYSC 6.1.3R, as if it were guidance (SYSC 6.1.3AG(1)). SYSC 6.1.3-AR and 6.1.3-BR apply to a common platform firm for its designated investment business. Check whether you are a common platform firm.
The FCA does not set a template for a monitoring programme. This pack is a practical structure built on SYSC 6.1. Read the compliance monitoring plan guide, or see how the Consumer Duty board report pack uses the same monitoring evidence.