Digital Business Compliance Advisory

A growing number of businesses are not banks, not payment firms and not crypto exchanges, but still handle customer money, process high volumes of small transactions, or operate a product that a regulator somewhere considers theirs. Algorithmic and proprietary trading desks. Betting and gaming platforms, B2B and B2C. Marketplaces and platforms that hold balances. Subscription businesses with cross-border billing. Companies whose founders are not sure whether they are regulated, and would like to find out before someone else does.

What we do

• Perimeter and licensing analysis. Whether what you do is a regulated activity, where, and what the proportionate route is: registration, licence, exemption, or a restructure that keeps you outside the perimeter honestly.
• AML/CFT frameworks for high-volume, low-value models. Risk assessments, policies, velocity and pattern monitoring, customer risk scoring and reporting built for the transaction profile you actually have, not a bank’s.
• Statutory appointments. MLRO, compliance officer and, for Isle of Man gaming licensees, Nominated Officer appointments where the business needs a named, accountable person.
• Payments, safeguarding and banking. Getting and keeping a banking relationship, safeguarding client money properly, and answering the questions an acquirer or PSP will ask before they onboard you.
• Regulatory engagement and inspection preparation. Dealing with the Isle of Man FSA, the Gambling Supervision Commission, the FCA or an overseas regulator when they come asking.
• Multi-jurisdiction operations. Running one compliance programme across the Isle of Man, UK, EU, Malta and other markets without duplicating everything three times.

A note on gaming

We support licensed betting and gaming operators on AML/CFT, Nominated Officer appointments and GSC requirements, and we are happy to do so. It is one part of a broader digital-business practice rather than the focus of it. If you need a dedicated gaming compliance house for the full suite of licensing, technical standards and responsible gambling work, we will point you to one.