Former Regulators
Senior alumni of European supervisory authorities and national competent authorities — bringing the supervisory perspective most advisory firms lack.
About finconduit·Our practice
Built for the institutions that regulators hold to the highest standard.
“The firms most often denied banking access are not non-compliant. Their compliance frameworks simply do not match what supervisors and institutional banking partners actually scrutinise. Closing that gap is the entire purpose of this practice.”
finconduit operates at the intersection of regulatory expectation and operational reality. Across the EEA and United Kingdom, an entire class of regulated fintechs is being systematically denied banking access — not because of fraud or genuine risk, but because their documentation and compliance frameworks do not meet the unstated but understood standards of institutional banking partners.
Our practice exists with a singular focus: to serve as the bridge between regulated institutions and the banking infrastructure they require — through precision advisory, institutional relationships, and compliance programmes built to the standard that regulators and banking partners actually apply.
Our practitioners bring decades of combined experience drawn from former regulatory roles within European supervisory authorities, senior compliance positions at tier-1 institutional banks, and the regulatory advisory groups of the Big 4. We advise VASPs navigating MiCA authorisation, EMIs seeking correspondent banking access, and payment institutions operating across multiple jurisdictions. The practice is deliberately boutique — at this level of specificity, quality and attention are not negotiable.
Boutique
Practice Profile
London
Registered Office
EEA + UK
Jurisdictions
Practice standards
- Engagement modelBespoke — no templates, no off-the-shelf programmes
- ConfidentialityInstitutional-grade. No client names disclosed
- Client profileVASPs, CASPs, EMIs, PSPs, regulated fintechs
- Regulatory coverageMiCA, PSD2, GDPR, DORA, 6AMLD, EMD2, FATF
- Geographic scopeEEA Member States + United Kingdom
Our philosophy
Four principles that govern every engagement.
These are not values crafted for a website. They are the operational principles that determine how we work, what we accept, and what we decline.
01
Regulatory First
We treat compliance as a competitive advantage, not a burden. Every engagement begins with a rigorous assessment of your regulatory posture—because sustainable growth is only possible when your foundations are correct.
02
Banking-Led Compliance
Banking access is the operational lifeblood of every fintech. We design compliance programmes with the end-relationship in mind—ensuring that every document, every framework, and every procedure stands up to what banking partners actually scrutinise.
03
Absolute Discretion
Our clients operate in sensitive regulatory environments. Every engagement is handled with institutional confidentiality. We do not publicise client names, share engagement details, or disclose institutional relationships without express written consent.
04
Bespoke, Always
There are no templates in this practice. Every compliance programme, every legal opinion, and every regulatory strategy is crafted for your specific structure, your licence type, and your jurisdiction. Precision is the product.
Practitioner backgroundsDecades of combined experience
Decades of combined experience
on the side that scrutinises.
Our practitioners are drawn from four disciplines that, together, define how regulated institutions are actually assessed by supervisors and banking partners. We bring the counterparty perspective — because we have been the counterparty.
Institutional Banking
Former compliance and financial-crime leaders from tier-1 European banks. We know what counterparties scrutinise because we have been the counterparty.
Big-4 Regulatory Practice
Practitioners drawn from the regulatory advisory groups of the Big 4 — with deep MiCA, PSD2, GDPR, and DORA implementation experience across the EEA.
Financial-Crime Specialists
AML, 6AMLD, and FATF travel-rule specialists with track records of programmes passing regulator examination across multiple jurisdictions.
Regulatory domain
Every applicable framework. Mastered in practice.
MiCA
Markets in Crypto-Assets Regulation
EU Regulation 2023/1114
Full authorisation, whitepaper review, ongoing obligations
PSD2
Payment Services Directive 2
EU Directive 2015/2366
Authorisation, SCA, open banking, correspondent access
GDPR
General Data Protection Regulation
EU Regulation 2016/679
Data governance, DPO advisory, cross-border transfer mechanisms
6AMLD
Anti-Money Laundering Directive 6
EU Directive 2018/1673
AML programme design, predicate offences, beneficial ownership
DORA
Digital Operational Resilience Act
EU Regulation 2022/2554
ICT risk management, incident reporting, third-party oversight
EMD2
Electronic Money Directive 2
EU Directive 2009/110/EC
EMI authorisation, safeguarding, capital requirements
FATF
Financial Action Task Force
Global Standard
Travel rule, VASP guidance, mutual evaluation preparation
Transparency & registry
Due diligence should be straightforward.
We operate with complete institutional transparency. Every material fact about finconduit is publicly verifiable through Companies House and the relevant regulatory registers. The information below is provided to facilitate the due diligence process for institutional counterparties.
Legal Namefinconduit
JurisdictionEngland & Wales
Nature of ServicesRegulatory advisory — not a bank, law firm, or regulator
Regulatory CoverageMiCA, PSD2, GDPR, DORA, 6AMLD, EMD2, FATF
Geographic ScopeEEA Member States + United Kingdom
Engagement ModelBespoke advisory only — no template programmes
Important notice: finconduit is not a bank, regulator, or law firm. We provide advisory services to regulated financial institutions and their counsel. Nothing on this website constitutes legal or regulatory advice. Engagement with finconduit should be considered in conjunction with your own legal and compliance advisors.