TCC recently featured in FinTech Strategy, where Joe Norburn, CEO at TCC and Momenta, explores how financial services firms can strengthen their financial crime capability without automatically increasing permanent headcount.
As financial crime threats become more complex and regulatory expectations intensify, firms face increasing pressure to access specialist expertise quickly while maintaining strong governance, accountability and operational resilience. Traditional operating models can come under pressure when risks move across operations, compliance, fraud, cyber and technology, while specialist capability and ownership remain fixed within individual functions.
In the article, Joe Norburn considers how firms can combine a stable internal core with on-demand specialist capability. This approach allows organisations to retain their institutional knowledge and internal ownership while bringing in additional expertise when demands increase or specific challenges arise.
“Firms need enough accountable financial crime capability to maintain effective control, respond to emerging threats and deliver change without creating an inefficient cost base.”
Joe Norburn, CEO, TCC and Momenta
Financial crime now has a direct impact on customer outcomes, operational resilience and public trust. Firms therefore need the leadership, accountability and capacity to respond at the moments of greatest risk. A strong internal core, supported by on-demand specialists, provides continuity while enabling greater speed, flexibility and control.
Supporting sources
Frequently asked questions
When should firms use on-demand financial crime expertise?
Firms should consider specialist support when a risk or delivery requirement is material, time-bound and beyond their available internal capacity. This could include regulatory engagement, remediation backlogs, control failures, transformation programmes, leadership gaps, rapid growth or independent challenge.
Does using external financial crime expertise reduce internal accountability?
No. Firms still need in-house ownership of financial crime risk appetite, governance and regulatory accountability. Specialist support should operate within clear mandates, reporting lines and governance arrangements.
What financial crime programmes can specialist teams support?
Specialist capability can support areas including AML and KYC remediation, transaction-monitoring transformation, customer-file and data-quality reviews, regulatory response and broader financial crime transformation.
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- General Insurance & ProtectionTCC helps insurers, brokers, MGAs and protection providers evidence fair value, strengthen customer outcomes and identify emerging customer harm. We assess product governance, claims performance, distribution oversight and vulnerability risks, helping firms create regulator-ready evidence, improve operational performance and demonstrate that products and services deliver value throughout the customer lifecycle.
- 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 TCC Group Editorial Team
Strengthen your financial crime capability
Whether you’re responding to regulatory scrutiny, tackling a remediation programme or need additional specialist leadership and delivery capacity, TCC can provide financial crime expertise around clearly defined regulatory and operational outcomes.
Speak to TCC about specialist financial crime support.