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Regulatory tools
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About us
case study

Strategic Foresight - Horizon Scanning

Horizon Scanning

We offer comprehensive Horizon Scanning services to help firms in the financial sector gain a strategic advantage in an ever-evolving regulatory and compliance landscape.Our Horizon Scanning services involve taking a forward-looking approach to identify emerging risks, changes, and opportunities related to financial crime and regulatory compliance. This enables our clients to proactively adapt and stay ahead of the curve.

This will involve:

  • Regulatory changes and draft legislation on the horizon
  • New financial crime risks and typologies
  • Assist you in consolidating, prioritising and building a multi-phase transformational road map
  • Market innovations and developments

Our interdisciplinary team analyses leading indicators across pertinent horizons to map emerging risks, opportunities and scenarios most salient to the client’s mission. Horizon mapping is powered by a fusion of machine intelligence and human expertise to interrogate regulatory discourse, enforcement trajectories, geopolitical shifts, and more.Dominate your industry by acting boldly on what’s ahead. Contact MEMA Consultants to unlock the power of strategic foresight. Our environmental scanning delivers the actionable foreknowledge needed to lead markets.

Regulatory Sectors

FCA AuthorisationCredit BrokingSenior Managers And Certification RegimeInsurance BrokingAppointed Representative And Principal FirmsConsumer CreditMortgage BrokingFuneral PlansVariation Of Permissions

Compliance Services

Compliance AdvisoryFCA Compliance ConsultantsFCA Complaints HandlingFinancial CrimeBlockchain ConsultingRegulatory Compliance DocumentationRegulatory Training

Ongoing FCA Compliance

As an FCA authorised person or firm, you might need help to ensure you comply with the FCA’s rules.

We provide our clients with support they need to maintain compliance and avoid breaching the rules. Our bespoke service is individually tailored to each of our client’s requirements and objectives to help them meet in the best way possible.

Whether you need documentation to help you remain compliant, want ongoing advice or support, impartial monitoring of your activities or anything else, MEMA may be able to help.

Why Choose MEMA?

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MEMA has been supporting firms through the FCA compliance process since 2019. In that time, we have helped hundreds of businesses to successfully gain and retain FCA authorisation.

We have a unique blend of experience from ex-regulators, big 4 consultants and fin/regtech specialisation. Our team is highly experienced and expertly skilled. We specialise in providing our clients with solutions to often complex regulatory requirements and compliance needs.

Our unique industry insight and comfort with compliance enables our team to support you to the fullest extent possible, helping to develop your business model and compliance.

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November 22, 2025

FCA Weekly Updates - Innovation, Oversight, and Market Transparency

This week’s FCA updates emphasize consumer protection alongside the need for financial innovation. The regulator’s focus is clear: stricter oversight on products like CFDs, the importance of combining human expertise with AI in financial markets, and an emphasis on personalized financial wellbeing.

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May 23, 2025

FCA Regulatory Brief – Priority Actions for Firms 9 May – 22 May 2025

The FCA’s announcements between 9 May – 22 May 2025 underscore three immediate themes for regulated firms

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January 28, 2022

What are regulatory controls and how do you conduct control monitoring

As a regulated firm or a firm wishing to become regulated, you will need to ensure you have a robust control plan and can conduct effective monitoring of controls. In this article, we will detail what a control plan is and the steps you can take to conduct effective control monitoring.

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Insights

Navigate the New Financial Crime Landscape with FCA's Updated Guide and MEMA Consulting's Expertise

In response to evolving regulatory landscapes and recent global events, the Financial Conduct Awareness (FCA) has unveiled proposed updates to its Financial Crime Guide, CP24/9. The revisions aim to enhance sanctions systems, address proliferation financing, and refine transaction monitoring with a focus on modern technologies like Artificial Intelligence and cryptoassets. With these updates, the FCA seeks to fortify financial crime prevention measures and ensure firms are well-equipped to meet new challenges. As firms adapt to these changes, MEMA Consulting stands ready to offer expert guidance and tailored support, helping businesses align with FCA's stringent standards and navigate this complex regulatory terrain effectively.
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February 20, 2025

FCA Announces Payment Services Authorisation Information Sessions

The FCA Payment Services Authorisation Information Session will take place on 9 May 2025 in Stratford, with a virtual session in June. This event is essential for payments and e-money firms seeking FCA authorisation, as well as advisory firms supporting the sector.
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January 28, 2022

What are regulatory controls and how do you conduct control monitoring

As a regulated firm or a firm wishing to become regulated, you will need to ensure you have a robust control plan and can conduct effective monitoring of controls. In this article, we will detail what a control plan is and the steps you can take to conduct effective control monitoring.
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April 11, 2021

Understanding the FCA thematic review (part1)

The Financial Conduct Authority carries out regular ‘thematic reviews’ into areas requiring further review by firms in the financial services industry.
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July 4, 2025

FCA's Evolving Vision: Safer Culture, Smarter Tech, Sharper Trust

This week, the FCA took a bold step forward in reshaping both how firms operate and how customers experience financial services.
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April 11, 2021

FCA Crypto Requirements

The Financial Conduct Authority (FCA), the UK Regulator, has established a Temporary Registration Regime that will allow existing crypto-asset firms, who have applied to be registered with the FCA, to continue trading in the UK financial market.
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December 7, 2022

Are you aware of the FCA rules to protect consumers from rogue financial promotions

Did you know that the FCA has published a consultation paper and press release setting out how it proposes to operate a new authorisations gateway for firms wanting to continue approving financial promotions for unauthorised persons.
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June 27, 2025

FCA Weekly Brief: Homes, Payments & The Future of Finance

Explore this week’s FCA updates on mortgage reform, payment oversight, and market strategy — and what they mean for your firm’s next move.
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November 10, 2021

Regulatory considerations for Consumer Credit Firms

The FCA has set out new rules for claims management companies (CMCs) to protect consumers against excessive charges. Some of the major changes include:
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March 17, 2025

Achieving FCA Compliance in the UK Crypto Sector: Registration, Best Practices, and Case Studies

Having explored the regulatory foundations in our first article, we now turn to the nuts and bolts of achieving FCA compliance.
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February 6, 2023

5 Steps for Conducting Effective Compliance Control Monitoring for Financial Firms

Compliance control monitoring is a crucial aspect of maintaining regulatory compliance for financial firms. The Financial Conduct Authority (FCA) requires firms to have robust controls and monitoring systems in place, and it is up to individual firms to implement these measures effectively. In this article, we will discuss the steps that firms can take to conduct compliance control monitoring.
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January 9, 2023

What are the FCA Fit & Proper Requirements and Conduct rules?

Following on from our previous article about the Senior Manager regime, we provide more detail about the FCA Fit & Proper Requirements and Conduct rules.
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November 23, 2022

FCA's new rules on Appointed Representative Regime

Changes to the Appointed Representatives regimes will take effect from 08 December 2022. The final rules were published in the Financial Conduct Authority’s policy statement to improve the appointed representative's regime.
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December 6, 2021

Funeral plans come under FCA regulation July 2022

The FCA has confirmed that from 29 July 2022, it will take on responsibility for regulating and supervising the pre-paid funeral plans market.
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January 7, 2022

FCA Fee Cap on CMCs

You will be aware that the FCA’s price cap is coming into existence on 1 March 2022. As a quick primer, this means there will now be five redress bands with a maximum fee charged per band.
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Your key contacts

ADEMOLA OMOSANYA

Ademola is an accomplished consultant with over a decade of experience across regulation, banking, and consumer credit. As MEMA Consultants co-founder, he leverages extensive regulatory expertise to guide clients through critical processes and full compliance. His experience across sectors enables tailored solutions to complex business challenges. Ademola partners with clients as a strategic advisor to help futureproof their business through an in-depth understanding of the regulatory landscape.

MISAH MARAGH

Misah is a director at MEMA Consultants with over a decade of experience in financial services. Holding a legal background and postgraduate qualification, she previously worked at the Financial Conduct Authority. Misah has led compliance transformation for global consumer services organisations across Europe, the Caribbean, and Latin America. Her expertise includes implementing compliance frameworks for financial regulations, FCPA, UK Bribery Act, data privacy, and Sarbanes-Oxley. Misah is skilled at advising clients on operational and strategic projects, leveraging her in-depth knowledge of regulatory environments to deliver solutions tailored to complex business needs.

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Secure Solutions for a Regulated World: Bridging Compliance and Business Excellence

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Consumer CreditCredit BrokingFuneral PlansPayment ServicesInsurance BrokingMortgage BrokingVariation of PermissionsSenior Managers and Certification RegimeAppointed Representative and Principal Firms

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34-35 Hatton Gardens,
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