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Helping your firm stay compliant, competitive, and confident.

We do compliance differently.

At STJ, we’re not your typical ‘sales prevention officers’. We take a commercially-minded, strategic approach to regulatory compliance — helping firms stay on the right side of the rules without losing sight of their business goals. Our advice is proportionate, practical, and designed to work in the real world — not just look good on paper.

We support financial services firms across the UK and UAE, delivering tailored consultancy across the full regulatory lifecycle. Whether you're seeking authorisation, enhancing your monitoring plan, preparing for a review, or embedding new requirements like Consumer Duty — we act as a true partner, not just a policy writer.

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Our Compliance Consultancy Services Include:

1. Regulatory Applications & Licensing

  • End-to-end support for FCA, DFSA and FSRA applications

  • Advice on variations of permission and regulatory perimeter issues

  • Guidance for international firms entering the UK or UAE

2. Compliance Frameworks & Governance

  • Creation or enhancement of compliance frameworks, policies and procedures

  • Design of risk-based Compliance Monitoring Plans (CMPs)

  • Support with governance structures, board reporting and MI packs

3. SM&CR & Senior Governance Support

  • Support with SMF applications, responsibilities mapping and SoRs

  • Practical implementation of the Senior Managers & Certification Regime

  • Training for SMFs, board members and NEDs

4. Consumer Duty & Conduct Risk

  • Gap analysis, implementation plans and outcome testing

  • Product governance frameworks and target market assessments

  • Ongoing support with consumer understanding, support and price/value reviews

5. Regulatory Engagement & Assurance

  • Preparation for FCA/DFSA/FSRA supervisory reviews and interviews

  • Independent compliance health checks and mock audits

  • Design and execution of Section 166 remediation plans

6. File Reviews & QA Oversight

  • Conducting or overseeing suitability reviews and thematic file testing

  • Complaints handling support, including root cause analysis and reporting

  • Past business review projects, remediation planning, and tracking

7. Appointed Representatives & Outsourcing Oversight

  • Frameworks for managing ARs, Introducer ARs, Outsourced Functions and Tied Agents

  • Third-party due diligence and oversight arrangements

  • Preparation of annual AR assessments and control testing

8. Training & Capability Building

  • Tailored compliance training across all levels, from front-line to board

  • Bespoke modules covering FCA rules, DFSA/FSRA regimes, conduct, TCF, financial promotions

  • Ongoing compliance coaching for SMFs and Heads of Compliance

9. Thematic & Specialist Areas

  • Support on financial promotions reviews and approvals

  • Whistleblowing frameworks, registers, and training

  • Development of operational resilience strategies

  • Wind-down planning and ICAAP/ICARA compliance input

Why Work With STJ?

✔️ Practical, proportionate advice grounded in real-world experience

✔️ Flexible delivery models – project-based, retained, or subscription

✔️ Trusted by start-ups, scale-ups, and global players alike

✔️ UK and UAE presence – we understand dual-jurisdiction requirements

✔️ Access to senior consultants, e.g. former Compliance Directors and ex- FCA Supervisors

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Ready to strengthen your compliance function?
Get in touch today to discuss how we can support your business.