Introduction ｜ Services ｜ Get Started
Consumer protection, fair treatment of customers, and delivering suitable products and services are central to regulatory oversight in the financial sector. This focus has led to increased scrutiny on wealth managers regarding product governance, suitability, and thematic reviews on portfolio construction and service selection. The introduction of new consumer protection standards has heightened regulatory attention on the wealth sector, and we are actively assisting numerous firms with the implementation of these standards and demonstrating desirable client outcomes.
At AZH, our experienced Wealth Management team guides clients through these regulatory landscapes, leveraging our comprehensive understanding to decipher and streamline complex regulations. Our advice is pragmatic and straightforward, aimed at establishing effective solutions and compliance frameworks tailored to your business model to support your growth. We offer reviews of governance arrangements, suitability assessments, and client communications to ensure regulatory compliance or help in developing improvement plans if needed. Additionally, we evaluate dependencies on third-party firms and outsourced services, including dealing, custody, transaction reporting, and product manufacturing, to ensure they meet regulatory standards and that your oversight is adequate.
Regulators also expect firms to maintain sufficient capital, conduct regular stress tests on liquidity risks, and have a solid wind-down plan in place. Our Prudential services specialize in interpreting these requirements and avoiding common pitfalls that attract regulatory scrutiny. Our consultants work closely with you to deeply understand your compliance needs, allowing you to focus on business growth.
Authorisations and application services
Authorisation & Applications
Leveraging our broad experience across financial sectors, we guide clients in preparing and submitting comprehensive applications that align with regulatory expectations, streamlining the authorization process.
Variation of Permission
For authorized firms aiming to modify their regulated activities, launch new business lines, or introduce new products/client segments, we provide expert assistance with your Variation of Permission (VoP) application.
Change in Control
If you plan to acquire or increase control of a regulated firm, you must submit a Change in Control (CiC) notification to the relevant regulatory authority and obtain approval before proceeding with the transaction.
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Appointed Representatives
Need help establishing and managing compliant Appointed Representative (AR) networks? We offer annual assessments, ongoing monitoring, and AR framework development. Get expert guidance today!
Ongoing Regulatory Compliance Support and Consulting Initiatives
Continuous Compliance Assistance
Leveraging our broad experience across financial sectors, we guide clients in preparing and submitting comprehensive applications that align with regulatory expectations, streamlining the authorization process.
Consumer Duty
A comprehensive suite of services designed to assist firms in implementing the new Consumer Duty.
Secondments
Proficient compliance professionals ready to provide support for short and long-term staffing requirements.
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Compliance Healthcheck
Our Compliance Healthcheck assures you that your compliance framework meets all necessary standards.
SMCR
Specialized consultancy services tailored to your specific needs, along with comprehensive Conduct Rules training to effectively support the implementation and ongoing management of your SMCR obligations.
Financial Promotions
We'll conduct a review of your firm's financial promotions to ensure compliance with the prevailing financial promotion regulations and Advertising Standards Authority guidelines.
Regulatory Reporting
Regulatory reporting is key for firms' compliance with authorities. Errors can signal control weaknesses and prompt investigations. We specialize in ensuring accurate reporting.
ICARA
The IFPR introduced a new capital adequacy and risk assessment and supervisory review and evaluation process - the Internal Capital and Risk Assessment (ICARA). Our in-house prudential experts can help firms to master it.