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Analysis, news and practical guides for compliance, quality and risk teams in regulated financial services.
What do the FCA’s 2026 insights mean for AI and technology controls in wholesale banking?
The FCA’s latest wholesale banking supervision insights show how weaknesses in AI governance, data quality and underlying technology can undermine established controls. For wholesale banks, the findings reinforce the need to test how technology-enabled controls and human oversight work…
AI supervision is evolving – why firms’ evidence must evolve with it
The FCA is expanding its use of AI within its own supervisory activities while setting out examples of responsible AI adoption for financial services firms. Its focus on governance, monitoring, accountability, operational resilience and auditable records reinforces the growing importance…
Are your financial crime controls working, or just documented?
Financial crime controls need to work in practice, not just exist on paper. Firms need evidence that due diligence, monitoring and escalation are operating effectively, helping compliance teams and senior leaders identify where controls are working and where gaps require…
When investors ask AI first: A new challenge for wealth managers
Recent research from the FCA reveals a fundamental shift in how younger investors access and trust financial information. More than half (56%) now trust AI tools as a source of investment information, ahead of traditional media channels, while four in…
Can the FCA Handbook API help firms demonstrate compliance?
The FCA Handbook API makes regulatory content easier for systems to access and process, but it does not remove firms’ responsibility for judgement and oversight. Its value grows when rules can be linked to operational evidence and customer outcomes.
Will simpler transaction reporting put greater focus on data quality?
The FCA’s transaction reporting reforms reduce some obligations but do not lower expectations for data quality, governance or oversight. Firms need to review controls and evidence reporting effectiveness.
FCA CP26/28: What the proposed AIFM reforms mean for governance and oversight
The FCA’s CP26/28 proposals for Alternative Investment Fund Managers carry broader governance lessons. Firms beyond asset management should not treat the consultation as cross-sector rules, but can learn from its focus on information, oversight and evidence.
IBS Intelligence: AI governance and why evidence and accountability matter
As AI becomes more embedded in financial services, firms need evidence of deployment, accountability for decisions and monitoring of customer outcomes.
Why outcomes monitoring needs more than management information
The FCA’s review highlights that collecting management information is not enough unless firms can show what it reveals, what action followed and whether customer outcomes improved.
European Business Magazine: Mills Review highlights the growing need for AI oversight and evidencing in financial services
TCC Group and Recordsure CEO Joe Norburn discusses the FCA’s Mills Review in European Business Magazine, focusing on AI governance, unchanged regulatory duties, transparency and evidence of customer outcomes.
Consumer Duty board reports: from governance to customer outcomes
Consumer Duty board reporting should evidence what customers experience, not only confirm that governance processes exist. Customer interactions can help boards test assumptions, identify risks and challenge management information.
Money Marketing: Preventing foreseeable harm under Consumer Duty
Joe Norburn’s Money Marketing opinion piece calls on firms to prevent foreseeable harm before it emerges through traditional warning signs. Ongoing monitoring of interactions and behavioural trends can support that expectation.
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Proven outcomes in practice
Major UK retail bank
Improving oversight and QA across mortgage advice
Read case study: Improving oversight and QA across mortgage advice
Major UK Tier 1 bank
Improving QA oversight and reporting across business banking conversations
Read case study: Improving QA oversight and reporting across business banking conversations
Government Department — UK
Digitalising interview recording to reduce cost and improve efficiency.
Read case study: Digitalising interview recording to reduce cost and improve efficiency.