Call: 0845 139 4444
Email: hello@square4.com
Financial services firms face a regulatory environment that’s more complex and demanding than ever.
The FCA’s Consumer Duty and focus on customer outcomes have changed the way firms approach compliance, governance, and culture to ensure consistently good customer outcomes. Square 4 Partners brings the expertise and clarity you need to meet these challenges. We help you understand regulations, identify best practices, and make confident investment decisions - so your business and your customers feel the benefits.
Our team comprises:
Former FCA supervisors, covering all financial services sectors and possessing a clear view of your obligations
Experienced industry practitioners who understand your challenges
Operational experts who understand how to translate the rules to an operational context
Experience of delivering sensitive regulatory engagements on behalf of the FCA under s.166
We don’t simply highlight gaps; we deliver pragmatic recommendations and / or the implementation and rollout of business change, so you can get exactly the level of support you need.
We help our clients with:
Thematic regulatory reviews:
Assessing your state of compliance in the face of regulatory change, considering your products, target market and risk appetite and focusing on proportionality
Compliance reviews
Reviewing your general state of compliance as above, or targeting specific areas
Governance & control review
Ensure your approach to business governance is helping you achieve compliance and evidence it
s166 Skilled Person Reviews
We can help you satisfy the requirements of an enforcement notice if subject to regulatory action, or help you prepare for regulatory censure or regulatory visits and enquiries
Change assurance
We can assess implementation to provide assurance that your approach is fit for purpose
Senior management support
Helping you to discharge your obligations as an SMF while incorporating the ‘letter and spirit’ of requirements
Our Credentials
Supported a nationally recognised lender under s.166 with its BiFD programme, including a forward-fix, an outcomes testing framework to allow the firm to accurately monitor ongoing collections outcomes and a past business review which satisfied the regulator that the firm had resolved the issue
Performed a past business review for a leading UK pensions and wealth firm relating to unpaid redress over six years. We designed a focused and efficient review, which identified and rectified the root cause, and established an ongoing approach for remediation within the business
Performed a compliance review for a retail investment firm, including focusing on its complaint approach due to regular backlogs forming. We reviewed against DISP rules and Consumer Duty expectations. We re-engineered the model and processes and designed and rolled out a training solution, improving productivity by over 50%
Designed a target operating model for a large motor finance firm in response to a market-wide regulatory issue involving undisclosed commission. This included the policy documentation, resource planning principles, a new FOS process, and CMC legal engagement plans
Examples of the areas we can provide support for.
Why partner with us?
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