Maintain effective prudential governance and meet ongoing regulatory expectations without immediately expanding the senior management team.

The situation

After authorisation, regulatory obligations become continuous rather than project-based. Board reporting, prudential returns, governance, regulatory change, supervisory engagement and control oversight all require ongoing attention. At the same time, management remains focused on growing the business, developing products and serving customers. For many firms, this creates pressure on a relatively small leadership team. Critical prudential responsibilities become concentrated in one or two individuals, creating capacity constraints and increasing key-person risk. The challenge is not simply delivering regulatory work. It is ensuring that the prudential framework continues to operate effectively as the institution grows.

What you are really buying

An experienced prudential function operating alongside your management team. We provide ongoing support across prudential governance, regulatory reporting, board oversight and supervisory engagement, helping management maintain a consistent and well-controlled regulatory framework. The engagement is designed to strengthen internal capability rather than replace it, providing experienced regulatory judgement while allowing management to focus on running and growing the business. The objective is to maintain a prudential function that remains proportionate, well governed and prepared for ongoing PRA and FCA supervision.

What's included

The engagement includes:

• Prudential governance support.

• Board and committee (ALCO) reporting.

• Regulatory reporting oversight.

• Management information review.

• ICAAP and ILAAP support.

• Capital and liquidity governance.

• Risk and control oversight.

• Regulatory change implementation.

• Supervisory engagement support.

• Review of governance papers.

• Senior management advisory support.

• Business continuity and interim cover arrangements where required.

How it works

1. 1

   Assess

   We review the existing prudential framework, governance arrangements, reporting processes and regulatory responsibilities to establish how the function currently operates and where additional support is required.

   You keep: An independent assessment of the prudential framework and governance arrangements.

2. 2

   Embed

   We integrate with the firm's governance processes, supporting board reporting, regulatory oversight, prudential planning and management information while helping strengthen internal capability. The emphasis is on building sustainable governance rather than creating dependency on external advisers.

   You keep: A prudential function supported by experienced regulatory oversight.

3. 3

   Deliver

   We provide ongoing senior support across regulatory reporting, governance, supervisory engagement and significant regulatory initiatives. Where complex regulatory issues arise, experienced support is immediately available without requiring additional recruitment.

   You keep: Ongoing prudential expertise available when the business needs it.

4. 4

   Sustain

   As the institution scales, the engagement adapts to reflect changing regulatory expectations and business requirements. The prudential function remains current and proportionate while maintaining a clear separation between internal management and external regulatory oversight.

   You keep: A prudential framework that scales with the business.

The guarantee

Proof

Experience providing prudential support to authorised banks, including governance design, regulatory reporting, supervisory engagement and management of regulatory change.