What happened?
TCC Group recently featured in European Business Magazine examining how financial services firms are rethinking traditional resourcing models as financial crime threats become more complex and regulatory expectations continue to rise.
In the feature, Joe Norburn, CEO of TCC and Momenta, discusses why firms need access to specialist capability that can be deployed quickly to address challenges such as regulatory remediation, financial crime transformation, risk uplift programmes, control reviews and supervisory engagement. Rather than relying solely on permanent hiring, firms are increasingly adopting agile resourcing models that allow them to scale leadership and delivery expertise when required.
The article argues that firms should maintain strong internal ownership of financial crime governance and accountability while using experienced specialists to support time-bound, high-priority initiatives.
Why does it matter?
Financial crime risks continue to evolve rapidly, often crossing organisational, technological and operational boundaries. At the same time, regulators are placing greater emphasis on firms’ ability to identify, manage and respond to these risks effectively.
Many firms face a difficult balancing act: maintaining sufficient expertise to manage risk while avoiding the long-term costs associated with over-hiring. The article highlights how flexible access to specialist financial crime expertise can help firms:
- Respond more effectively to regulatory scrutiny.
- Deliver remediation and transformation programmes at pace.
- Address leadership or capability gaps.
- Strengthen resilience without creating unnecessary permanent costs.
- Scale resources in line with changing risk and business requirements.
As financial crime prevention becomes increasingly linked to operational resilience, customer outcomes and organisational trust, firms need delivery models that provide both control and adaptability.
Supporting sources
Frequently asked questions
Why are financial crime resourcing models changing?
Financial crime risks are becoming more complex, while regulatory expectations continue to increase. Many firms need greater flexibility to access specialist expertise when specific risks, programmes or regulatory challenges arise.
What is on-demand financial crime expertise?
On-demand financial crime expertise is the use of experienced financial crime specialists, interim leaders and project delivery teams that can be deployed quickly to support defined business, regulatory or transformation objectives.
When should financial firms consider specialist support?
The article identifies several common triggers for when the financial firms should support their operations with interim financial crime specialists, including regulatory engagement, remediation programmes, transformation initiatives, leadership gaps, rapid growth, control failures and the need for independent challenge.
What are the benefits of an agile resourcing approach?
Agile resourcing allows firms to access specialist capability when needed, maintain operational resilience, reduce the cost of overcapacity and respond more effectively to changing regulatory and risk environments.
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- BankingTCC helps retail banks, challenger banks, building societies and specialist banking providers strengthen governance, manage financial crime risk and demonstrate good customer outcomes. Our specialists support Consumer Duty, remediation, regulatory transformation, FCA intervention and compliance assurance programmes through advisory, managed services, specialist resourcing and technology-enabled compliance. With more than 25 years of experience supporting FCA-regulated firms, we help banks respond confidently to regulatory scrutiny while strengthening operational resilience and customer trust.
- Lending & Consumer CreditTCC helps consumer credit firms evidence good outcomes, strengthen affordability and vulnerability frameworks, and manage complaints, remediation and regulatory risk. We support lenders with practical, regulator-ready compliance programmes that improve governance, customer treatment and operational resilience.
- Payments & FinTechTCC helps payment institutions, e-money firms, FinTechs, challenger businesses and regulated technology providers strengthen compliance, manage regulatory change and demonstrate effective customer outcomes. From financial crime controls and APP fraud prevention to operational resilience, safeguarding and Consumer Duty governance, we help firms build regulator-ready frameworks that support growth without compromising control. For more than 25 years, TCC has helped FCA-regulated firms navigate evolving regulatory expectations with confidence.
- Wealth Management & Financial AdviceTCC helps wealth managers, financial advisers, networks, platforms and consolidators strengthen compliance, evidence customer outcomes and manage regulatory risk. Every engagement is designed to deliver practical improvements, stronger governance and regulator-ready evidence. For more than 25 years, we have helped FCA-regulated firms navigate regulatory change, supervisory reviews and business growth.
Reviewed by Joe Norburn, CEO – TCC Group