Regulatory Gap Assessment
We test current practice against supervisory expectations and hand you the prioritised list of gaps, each with the work it needs and the order to do it in.
Banking Regulatory
Compliance
Where you stand against supervisory expectations, what has changed since you last looked, and the self-assessment your supervisor expects to receive.
Regulatory Compliance Deliverables
Regulatory Advice
We advise independently on the requirements in front of you: conduct obligations on your product set, changes to the capital framework, financial crime obligations, and how compliance is built into how the firm operates.
Regulation Update Tool
A monitoring service, built on our Beacon platform, that tracks the supervisors and publications relevant to you and reports what has changed and what it now requires.
Regulatory Self-Assessment
We write the full self-assessment across every requirement, evidencing where you comply and where you do not, in the form your supervisor expects to receive it.
Banking Case Studies
Banking
Independent validation of a Pillar 2A concentration add-on
A European bank needed to know that the capital it holds against concentrated lending would stand up to scrutiny, so it asked us for an independent view of the model behind the number.
Banking
Redeveloping every IFRS 9 model across two portfolios
A UK lender needed every model in its IFRS 9 expected credit loss suite rebuilt, at the point when the team that had built them was no longer there.
Frequently Asked Questions
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The evidence pack is the deliverable, so ask what a bidder leaves running afterwards. At Gini we build the conduct risk framework, the vulnerable customer identification that supports it, and the controls mapping that shows which control addresses which obligation, with the monitoring that evidences the outcome quarter after quarter.
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By measuring outcomes for the customer groups the rules name, using data you already hold, and reporting them on a schedule your committee sees. Pricing, treatment and complaint outcomes are compared across groups, and where a difference appears Gini quantifies it and traces the driver rather than describing the process that produced it.
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Often, yes. Payment behaviour, contact history and account activity carry signals of difficulty before a customer discloses it. At Gini we build the flag, define the treatments it unlocks, and state plainly what the model cannot see, because a framework that overstates its coverage creates exposure rather than removing it.
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Yes, and the review is usually the cheaper first step. Gini tests the framework against supervisory expectations and against what actually runs, which is often a narrower set than the document describes, then returns a prioritised list of gaps with the work each needs and the order to do it in.