Overcome mobilisation challenges with a framework that keeps governance, capital and operational delivery aligned.

The situation

Mobilisation presents a unique challenge for newly authorised banks. Regulators impose restrictions that must be lifted before full commercial operation. The firm must demonstrate that the operating model, governance, capital, risk management and compliance framework are working as promised at authorisation. Mobilisation must progress fast—every week the bank remains in restricted status is a competitive disadvantage and cash cost. Yet the pace creates risk. Without careful coordination, governance, capital, operations and compliance can drift out of alignment, leading to regulatory questions and delays in lifting restrictions.

What you are really buying

Support progressing from restricted to full operational status. We establish a framework for managing mobilisation that ensures governance, capital, operations and compliance remain aligned throughout the process. A structured approach to lifting restrictions, supported by evidence that the firm is ready for full operation. Working alongside management, we help demonstrate to regulators that the firm is capable of sustained compliance and safe operation.

What's included

The engagement includes:

• Mobilisation readiness assessment.

• Framework for progressing from restricted to full operational status.

• Governance and decision-making arrangements.

• Capital and financial planning.

• Operational readiness programme.

• Compliance and control validation.

• Regulatory engagement and reporting.

• Transition to in-life prudential supervision.

How it works

1. 1

   Assess

   We review the mobilisation plan, restrictions imposed at authorisation and the current state of operational readiness. The outcome is a clear picture of what needs to be completed before restrictions can be lifted.

   You keep: A structured mobilisation plan and timeline.

2. 2

   Align

   We establish the governance and coordination mechanisms needed to ensure that governance, capital, operations and compliance all progress in alignment, with regular reporting to the board.

   You keep: A coherent mobilisation framework.

3. 3

   Build

   We support completion of the operational and control infrastructure needed to lift restrictions. This includes systems implementation, policy deployment, staffing and control validation.

   You keep: Demonstrated operational readiness.

4. 4

   Lift and transition

   We work with regulators through the process of lifting restrictions and support the transition into in-life prudential supervision with appropriate governance and reporting.

   You keep: Full operational status with sustainable governance.

The guarantee

Proof

Experience supporting banks through mobilisation, working with regulators to progress restrictions, and establishing governance frameworks capable of sustaining regulatory compliance.