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That knot in your stomach when you think about your next FCA audit? The 3am worry about whether your SMCR records are truly watertight? I know that feeling. And I know what's at stake.
FCA fines for poor record-keeping can reach £50k-500k. One missed SMCR declaration can escalate to six figures. This isn't about admin — it's about protecting everything you've built.
You didn't become a mortgage broker, wealth manager, or financial adviser to spend your evenings buried in compliance paperwork. You did it to help people. But the regulatory burden is real, the stakes are high, and the consequences of getting it wrong can be devastating.
You're in safe hands. Let me carry the weight of your compliance admin so you can focus on what you do best.
I'm not a bookkeeper who'll accidentally put your compliance at risk. I understand SMCR, TCF, and why audit trails matter. Your regulators are demanding — I take that as seriously as you do.
I've spent years working alongside regulated businesses. I know the pressure of SMCR deadlines and why your Statements of Responsibilities need to be bulletproof. I understand that TCF isn't just a tick-box exercise — it's about genuinely protecting your clients and documenting that you did.
I know the sick feeling when you realise a certification renewal slipped through, or when an auditor asks for a file you're not 100% sure is complete. I've seen what happens when audit trails have gaps, and I've helped businesses rebuild after compliance near-misses.
You shouldn't have to face this alone. I'm in your corner, and I take your compliance as seriously as you do.
Senior Managers and Certification Regime compliance shouldn't keep you up at night. I maintain your Statements of Responsibilities, fitness and propriety records, and certification documentation — always audit-ready.
Your accounts need to tell the right story when regulators review them. I understand the nuances of regulated business finances — commission structures, client money rules, and proper fee allocation.
"As an FCA-regulated business, I need someone who understands compliance isn't optional. Steph keeps my records audit-ready, handles client admin, and never misses a deadline. The peace of mind is worth every penny."
Sound familiar? You're not alone.
Yes. I maintain Statements of Responsibilities, fitness and propriety records, certification regime documentation, and annual competency declarations. Your SMCR records will always be audit-ready.
I keep your records continuously audit-ready rather than scrambling before visits. Client interaction logs, advice documentation, suitability reports — everything organised with full version control and audit trails.
Absolutely. Treating Customers Fairly isn't just a tick-box exercise. I document fair outcomes at every client touchpoint, flag vulnerable clients appropriately, and ensure your TCF evidence is comprehensive.
Mortgage brokers, Independent Financial Advisers (IFAs), wealth managers, and other FCA-regulated firms. I understand the unique compliance pressures you face and tailor my support accordingly.
I maintain a comprehensive calendar of your FCA reporting requirements, certification renewals, CPD hours, and annual attestations. You'll never miss a deadline on my watch.
Completely. I'm ICO registered, GDPR compliant, and carry full professional indemnity insurance. Client confidentiality is paramount in regulated businesses — I take it as seriously as you do.
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