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Regulatory & Compliance

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.

What We Offer

Regulatory & Compliance Services

Explore each service in detail below.

⚖️

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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How It Works

Our Process

01
Regulatory Review
We assess your current registration status, licensing position, and existing AML/CFT framework against what the FCA and HMRC actually expect.
02
Gap Analysis & Plan
We identify where your policies, controls, or documentation fall short, and agree a scoped plan to close those gaps.
03
Preparation & Submission
We help prepare applications, policies, risk assessments and supporting documentation, and manage submissions on your behalf.
04
Ongoing Monitoring
Once authorised or registered, we can act as your ongoing compliance support — monitoring, reporting, and managing regulator correspondence as it arises.
Common Questions

Frequently Asked Questions

Can ZEM Global guarantee our FCA application will be approved?
No. Regulatory approval is a decision made solely by the FCA. We prepare, structure and support your application to the highest achievable standard, but approval always rests with the regulator.
Do you work with businesses that are already authorised?
Yes. A large part of our regulatory work is ongoing — ongoing compliance monitoring, ongoing FCA reporting, and managing correspondence for firms that are already trading.
Is ZEM Global a law firm?
No. We provide accounting, compliance advisory and preparation support. For matters requiring formal legal advice, we can help you identify what to raise with a solicitor.
Ready to Get Started?

Let's Talk About Regulatory & Compliance

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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