As regulatory attention intensifies, we help EMIs remain compliant with their obligations. Our expert ongoing support enables you to scale with confidence.
With Cosegic’s unrivalled experience of the UK’s complex electronic money regulations, we will help you develop an EMI application that will withstand the most rigorous regulatory scrutiny. Once authorised, we offer a variety of services to support you with ongoing obligations. This includes safeguarding and anti-financial crime audits, quality assurance reviews to meet consumer duty and operational resilience obligations, regulatory change impact assessments and training.
Our aim is to help reduce the compliance burden on your organisation by providing accurate and reliable advice and practical solutions to your operational challenges. This allows you to concentrate on growing your business, safe in the knowledge that any compliance obligations and regulatory standards are supported by our industry experts.
Select a category to see tailored support and relevant services.
FCA authorisation is your foundation in UK financial services. We bring the expertise, rigour and track record to get you there.
MyCosegic replaces fragmented compliance work with a single operating system where actions, evidence, approvals and oversight live together.
The US market demands SEC compliance across multiple jurisdictions. Our specialists manage the entire process so you can focus on the opportunity ahead.
As your business evolves, we help you identify, apply for and secure the FCA permissions that reflect your next phase of growth.
When ownership changes, FCA approval is non-negotiable. We bring the precision and expertise to make sure it never becomes an obstacle.
When regulatory demands shift or specialist knowledge is needed fast, our ongoing support gives you access to senior compliance expertise.
Providing experienced compliance professionals to strengthen your team and support regulatory priorities.
We help you uncover compliance gaps, demonstrate commitment to fair customer outcomes and ensure your policies withstand regulatory scrutiny.
An independent view of your regulatory position, giving senior leadership the insight to act and strengthen compliance foundations.
Supporting accurate, timely regulatory reporting to help you meet your ongoing compliance obligations.
Practical, proportionate ICARA processes embedded into day-to-day risk management and built to meet regulatory expectations.
Compliant, crisis-ready wind-down strategies that are clear, credible and integrated into your prudential risk management framework.
Practical, regulator-ready support that embeds SM&CR confidently across your organisation, tailored to your firm's specific needs.
Tell us a bit about your firm and what you need help with. We’ll put you in touch with the right specialist.
No spam. Your details are only used to respond to your enquiry.
Our Experts
Senior Consultant,Digital Finance
Find answers to the questions we’re asked most often, from our compliance and training services to how we can support your business.
Whether your business model requires EMI authorisation depends on the specific activities you carry out and the structure of your products. The regulatory boundary can be nuanced and getting it wrong at an early stage can create significant problems later. We recommend a scoping conversation with one of our team before you make any assumptions about your regulatory position. Get in touch, and we can help you assess where you stand.
The two processes share some common features but differ in important ways, particularly around safeguarding, the depth of evidence required and the FCA's areas of scrutiny. The right approach for your firm will depend on your business model and what you are seeking to do. Our team has extensive experience of both processes and can help you understand what each involves. Speak to us to discuss your specific situation.
Safeguarding requirements for e-money and payment firms have evolved significantly in recent years, and the FCA's expectations are detailed and demanding. Rather than set out the requirements here, which can only be properly assessed in the context of your specific business, we encourage you to speak with a member of our team. We conduct independent safeguarding audits, help firms build compliant frameworks, and can give you a clear picture of what compliance looks like for your model.
Yes. We work with international firms at various stages of establishing a UK regulatory presence, including groups that need to determine the right structure for their UK operations before beginning the application process. Every firm's situation is different; speak to our team for an initial conversation about your specific circumstances and what the UK authorisation process would involve for you.
Rapid growth is one of the most common sources of compliance risk for EMI frameworks that were proportionate at authorisation; as a business scales, they can quickly become inadequate. Our Compliance Health Check provides an independent review of your current position, and our ongoing compliance monitoring programme provides your board with structured assurance on an ongoing basis. Speak to us to understand what a review would look like for your firm.
Tell us a little about your firm and what you're looking to achieve. We'll arrange a personalised demo with the right product specialist and show you how our solution can meet your needs.
Enter your details below to access the checklist.
Enter your details below to access the checklist.
