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fscom is a boutique firm of compliance experts who specialise in the fintech sector specifically in payments, e-money, crypto and challenger banks.

Established in 2011, fscom is headquartered in Belfast with offices in London and Dublin. fscom has experience assisting firms adhere to the regulatory requirements in the UK, Ireland and multiple European jurisdictions. The team has in-depth industry knowledge from the frontline, having run businesses, headed up global compliance teams, and worked for the regulators. We are a highly skilled team of deep domain compliance experts who thrive on transferring our knowledge and our experience to compliance teams. We have worked with a lot of companies in the fintech sector and we have advised in hundreds of projects to include authorisations, audits, advice, training and interim roles.

fscom has won numerous awards for its work with clients in providing advisory and project-based work across three core technical areas, financial crime advisory, regulatory compliance and cyber security.


What to expect from an FCA Skilled Person Review – and how to prevent one in the first place

A webinar with Philip Creed, fscom’s Director and Head of Financial Crime was recently held, to help firms understand and respond to this development – and this blog captures some of the highlights. We will unpick the Financial Conduct Authority’s (FCA) approach to Skilled Person reports, explain why your firm might be reviewed, and advise how best to approach one – or better yet, to avoid it happening in the first place.

Are your complaints handling processes up to scratch?

Over the last six months, many of our payment and e-money institution clients have approached us about their complaints handling process. The drivers are a combination of direct requests for oversight evidence from the FCA and the linkage with internal work to meet the vulnerable customer and consumer duty expectations. fscom have noted some areas of confusion or weaknesses that Dane Pedro will share with you in this blog.

How to Ensure You Are Protecting Customer Data in the Financial Services Sector

We recently held a webinar on this topic with fscom experts Nick Gumbley (Associate Director) and Will Finn (Senior Manager). In this blog, we summarise their advice on what companies need to know about regulations on customer data, and how they can set up a framework to meet these challenges head on.

Irish Consumer Credit Sector in the Spotlight as Central Bank of Ireland Expands Regulatory Perimeter

Plenty of changes are afoot for the Irish consumer credit markets, following the enactment of the Consumer Protection (Regulation of Retail Credit and Credit Servicing Firms) Act 2022 (the “Act”). The Act extends the Central Bank of Ireland’s (CBI’s) consumer protection framework to a broader range of firms and consumer credit activities, with the aim of ensuring that Irish consumers receive the same protections required of other financial service providers. The Act came into force on 16 May 2022 and those entities caught by the new legislation should by now have begun preliminary analysis of the impact of those changes to their business models. For authorised entities, this includes an assessment on their regulatory risk profile.

Wind-up planning: what do firms in Ireland need to know?

In this blog, we look at the ‘what, why, when, where and how of a wind-up strategy. We dive deeper into the regulator’s expectations for an exit strategy and offer practical advice for firms on how to improve their plans.

Building operational resilience: what’s next?

In this blog, we look at five actions you should take to meet the regulator’s expectations and, perhaps more importantly, to become truly operationally resilient.


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