As markets evolve, so do regulation, supervision, and enforcement. Regulations like the FCA’s Consumer Duty raise the bar, requiring firms to deliver good outcomes through informed decision-making and empathetic customer service.
With decades of experience across regulated industries, our expert team helps firms navigate this complex landscape through independent assurance, strategic guidance, and real-time insight. We align our support with your priorities—whether it’s managing change, strengthening controls, or responding to regulatory scrutiny.
Our close engagement with regulators and leading industry bodies across sectors and jurisdictions keeps us ahead of evolving expectations, enabling clients to remain compliant and confident in a shifting landscape.
Led the design and delivery of a comprehensive Consumer Duty implementation plan, including a detailed assessment of hundreds of customer communications to ensure they met the regulatory standards for clarity, fairness, and customer understanding.
We leverage a structured Gap Analysis Framework to assess your current position against regulatory expectations and Consumer Duty requirements. Our practical recommendations are tailored to your risk appetite and strategic objectives—empowering you to take focused action.
Evaluate how well your business strategy aligns with Consumer Duty and broader regulatory requirements.
Assess how governance structures, roles, and forums support continuous monitoring of customer outcomes.
Review how customer outcomes are measured through data and testing along with your ability to identify emerging risks—especially for vulnerable or underserved customers.
Analyze whether your product design, review, and sales processes are customer-centric, risk-aware, and inclusive. Detect and mitigate harm and ensure ongoing suitability.
Examine the clarity and effectiveness of your communications—ensuring they are fair, clear, and not misleading.
Guage the accessibility and responsiveness of your support channels, and your approach to serving vulnerable customers.
Scrutinize your third-party governance framework, from onboarding to oversight and offboarding, ensuring it aligns with regulatory demands.
Assess whether a customer-focused culture is embedded across all levels of your organisation—from governance and leadership to front-line behaviours.
With nearly 30 years of experience, we help regulated firms navigate complexity, ensure compliance, and deliver better outcomes through operational, consulting, and learning solutions.
Deep understanding of regulatory obligations built over decades partnering with leading global brands
Proven ability to help firms evolve operating models to:
Strong operational delivery, including:
Since our 2023 report on vulnerable customers, organisations have continued to grapple with the complexities of supporting individuals facing vulnerability. Our latest whitepaper offers a deeper exploration of these challenges, presenting new perspectives and practical guidance for firms striving to deliver fair outcomes.
Comprehensive research: We’ve expanded our surveys to include a broader and more detailed set of questions for both firms and consumers, offering a richer understanding of how vulnerability is currently managed.
Inclusive sampling: Our findings reflect the experiences of a wide demographic, acknowledging that vulnerability is often temporary and that all customers, vulnerable or not, deserve equitable service.
Full customer journey analysis: From initial engagement through to complaints handling, we’ve assessed how each stage of the customer journey impacts outcomes for those in vulnerable circumstances.
Rising expectations: Insights from our 2024 Complaints Outlook reveal that customer expectations have grown. How are firms adapting to meet these heightened demands - especially for vulnerable customers?
Post-pandemic evolution: Building on data from the pandemic era, this report highlights how vulnerability continues to shift, influenced by economic pressures and societal change.
Regulatory clarity: The FCA reinforces that vulnerability can affect anyone. Our whitepaper explores how firms can respond to this, focusing on the four key drivers - health, life events, resilience, and capability, without creating a fragmented or two-tiered approach.
Spotting vulnerability: While some customers clearly present as vulnerable, others may not. We offer practical methods for identifying and supporting those whose needs are less visible or more fluid.
Real-world examples: The report includes case studies showcasing both effective and inadequate responses, offering lessons on how to meet customer needs with empathy and precision.
Smarter use of data: We explore how firms can leverage existing customer data to proactively identify vulnerability and tailor support—without relying solely on self-disclosure.
Our 2025 whitepaper presents a modern, data-driven view of vulnerability from both business and consumer perspectives. It encourages firms to adopt a principles-led approach, ensuring that all customers—regardless of circumstance—receive fair, consistent, and compassionate treatment.
Download the whitepaper now to access actionable insights and proven strategies for enhancing your approach to vulnerable customer management.