A Regulatory Evolution: The story of SM&CR and a view on why it does and will continue to matter
When the Senior Managers and Certification Regime (SM&CR) was first introduced in the wake of…
Monthly Archives: October, 2025
Consumer Duty board report – Ticking boxes fails
I’m writing this article a week before the deadline for the second annual Consumer Duty…
Targeted Support …. But for whom?
‘We want to help consumers navigate their financial lives and plan for the long term.…
SMCR Review CP25/21
The Senior Managers and Certification Regime (SMCR) has been with us since December 2016 for…
Etridge revisited
The turn of the millennium marked a pivotal moment for the UK’s banking and legal…
Breaking the silence: Overcoming consumer reluctance in debt recovery
The reluctance of consumers to engage with their debts is one of the most challenging…
The top 10 things to consider when hiring an operations manager
The top 10 things to consider when hiring an operations manager – and why it’s…
Earnings Before Intelligence, Truth, Data, or Accuracy?
We may know what EBITDA means, but what it stand for? “Bullshit earnings” — that’s…
Maureen vs. the Machine
What Financial Advisers Must Learn Now My first job, way back in 1983, was as…
AI governance: Building trust and compliance in financial services
The financial services sector faces a unique challenge with AI adoption. While technology promises operational…