Our Services
Regulatory & Compliance Services
Empowering financial institutions and growing firms with expert regulatory guidance, audit services, and compliance solutions across Trinidad & Tobago's evolving regulatory landscape.
Flagship Service
Enquire About This Service The Global Access Framework
Our signature offering helps assess your organization's compliance strength against today's real risks on an international level. Once we've completed, at a minimum, the compliance readiness assessment, the natural next step connects you to international banking, payment infrastructure, and other opportunities through our trusted partners.
At the core is our Compliance Readiness Assessment Package: a structured review of your governance, controls, documentation, and risk exposure, built to the standard any serious counterparty a bank, an investor, a partner would expect to see.
What's Included
- 1
Compliance Pre-Screening
- 2
Compliance Readiness Assessments
- 3
Introduction to banking Partners (as qualified) (EU, UK & Asia)
- 4
Post-Onboarding Monitoring and Compliance Oversight
Full Portfolio
Core Service Offerings
Our services span the full spectrum of regulatory compliance, risk management, and governance advisory.
Financial Crime & AML/CFT/CPF Services
Anti-Money Laundering (AML) Compliance Services
- AML/CFT/CPF programme design, development and implementation
- Policy and procedures manual development for all regulated sectors
- Risk assessment frameworks tailored to Trinidad & Tobago regulatory requirements
- Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) procedures
- Politically Exposed Persons (PEP) screening and management protocols
- Sanctions screening programme design and implementation
- Transaction monitoring system design and optimisation
- Suspicious Activity Report (SAR) and Suspicious Transaction Report (STR) guidance
- FATCA and CRS compliance frameworks
AML/CFT Regulatory Compliance Audits
- Comprehensive AML/CFT/CPF audits in accordance with Financial Obligations Regulations (FORs) 10(2)(a)
- TTSEC AML Guidelines 2018 Part 2, 11(1) compliance assessments
- Central Bank of Trinidad & Tobago (CBTT) regulatory compliance audits
- Financial Intelligence Unit of Trinidad and Tobago (FIUTT) compliance reviews
- Independent testing and validation of AML programmes
- Agreed-Upon Procedures (AUP) engagements for regulatory submissions
- Gap analysis against FATF Recommendations and local regulations
- Remediation planning and implementation support
Financial Crime Risk Management
- Enterprise-wide financial crime risk assessments
- Country and jurisdictional risk analysis
- Product and service risk evaluations
Regulatory Audits & Assurance Services
Comprehensive Regulatory Audits
- Full scope regulatory compliance audits across all Trinidad & Tobago financial services regulations
- SYSC (Systems and Controls) comprehensive audits
- Corporate governance audits and board effectiveness reviews
- Risk management framework assessments
- Internal controls evaluation and testing
- Operational resilience and business continuity audits
- Information security and cybersecurity compliance audits
- Data protection and privacy compliance reviews
Banking Sector Audits (FIA 2008)
- Commercial banking compliance audits
- Merchant banking operational reviews
- Finance company regulatory assessments
- Trust company compliance audits
- Prudential standards compliance (capital adequacy, liquidity, large exposures)
- Credit risk management audits
- Market risk and operational risk assessments
Payment Services Audits
- Payment Service Provider (PSP) compliance audits
- E-money issuer (EMI) operational and compliance reviews
- Payment system operator audits (NIPSO and interbank systems)
- Merchant acquiring compliance assessments
- Bill payment service provider audits
- Money transmission and remittance compliance reviews
- E-wallet operational audits
Securities Sector Audits (Securities Act)
- Broker-dealer compliance audits
- Investment adviser regulatory reviews
- Underwriter compliance assessments
- Reporting issuer compliance audits
- Self-regulatory organisation (SRO) oversight reviews
- Market conduct and fair dealing audits
- Client asset protection (safeguarding) audits
Insurance Sector Audits (Insurance Act 2018)
- Insurance company (life, general, composite) regulatory audits
- Solvency and capital adequacy assessments
- Insurance intermediaries compliance reviews (brokers, agents, agencies)
- Insurance salesperson compliance audits
- Insurance consultant regulatory assessments
- Loss adjuster compliance reviews
- Insurance conduct of business audits
Themed and Targeted Audits
- Consumer protection and fair dealing audits
- Data protection and GDPR-equivalent compliance audits
- Outsourcing and third-party risk management reviews
- Conduct risk assessments
- Culture and ethics evaluations
- Remuneration and incentives audits
- Complaints handling process reviews
- Financial promotions and marketing compliance audits
Safeguarding Audits
- Client money and assets safeguarding audits
- Trust account compliance reviews
- Segregation of client funds verification
- Reconciliation procedures testing
- CASS (Client Assets) regime compliance (where applicable)
- Custodian oversight and due diligence reviews
Authorisation & Licensing Support Services
Pre-Authorisation Consulting
- Regulatory landscape assessment and licensing strategy
- Feasibility studies for new license applications
- Business model review and regulatory fit analysis
- Initial capital and capital adequacy planning
- Ownership structure and fit-and-proper assessments
- Application roadmap and project management
CBTT Licenses
- Commercial bank license applications (FIA 2008)
- Non-bank financial institution licenses (merchant banks, finance companies, leasing companies, trust companies)
- Financial holding company licenses
- Licensed institution applications (generic FIA category)
- Payment Service Provider (PSP) registration applications
- Bill Payment Service Provider registration
- Electronic Money Issuer (EMI) approval applications
- Payment system operator licenses (NIPSO and interbank systems)
- Bureau de Change (cambio) license applications
- Insurance company licenses (insurer – life, general, composite)
TTSEC Registrations
- Broker-dealer registration applications
- Investment adviser registration applications
- Trader registration applications
- Underwriter registration applications
- Reporting issuer registration
- Self-regulatory organisation (SRO) recognition applications
Other Financial Services Registrations
- Insurance intermediary registrations (brokers, agents, consultants, salespersons, loss adjusters)
- Pawnbroker license applications (Board of Inland Revenue)
Application Documentation Services
- Comprehensive business plan development
- Financial projections and capital adequacy calculations
- Corporate governance framework documentation
- Organisation structure and management arrangements
- Risk management framework and risk appetite statements
- AML/CFT/CPF programme documentation
- IT systems and cybersecurity documentation
- Operational procedures and control frameworks
- Outsourcing arrangements documentation
- Compliance function and MLRO appointment documentation
Regulatory Interaction Management
- Pre-application meetings with regulators
- Regulatory query response management
Ongoing Compliance Support & Outsourced Services
Compliance Monitoring & Oversight
- Outsourced compliance officer (CO) services
- Outsourced Money Laundering Reporting Officer (MLRO) services
- Part-time or interim compliance function support
- Compliance monitoring programmes (risk-based file reviews)
- Regulatory change management and horizon scanning
- Compliance manual updates and maintenance
- Internal compliance reporting and MI dashboards
- Board and committee reporting support
Regulatory Reporting Services
- CBTT prudential returns preparation and submission
- TTSEC regulatory returns (financial and non-financial)
- AML/CFT annual compliance reporting
- FATCA and CRS reporting assistance
- Statistical and data reporting requirements
- Regulatory notifications and submissions management
- Ad hoc regulatory correspondence handling
Compliance Health Checks
- Annual compliance reviews and gap analyses
- Regulatory change impact assessments
- Control framework effectiveness reviews
Governance & Risk Management Services
Corporate Governance Advisory
- Board composition and effectiveness reviews
- Board and committee charter development
- Director training and competency assessments
- Senior management arrangements and responsibilities frameworks
- Corporate governance policies and procedures
- Conflicts of interest management frameworks
- Related party transaction policies and controls
- Group governance structures for financial holding companies
Risk Management Framework Development
- Enterprise risk management (ERM) framework design and implementation
- Risk appetite statement development
- Risk identification, assessment and measurement methodologies
- Risk monitoring and reporting frameworks
- Three Lines of Defense model implementation
- Risk culture assessment and enhancement
- Stress testing and scenario analysis frameworks
- Recovery and resolution planning
Internal Controls & Operational Risk
- Internal control framework design and assessment
- Control self-assessment (CSA) programmes
- Operational risk management frameworks
Regulatory Projects & Change Management
Regulatory Change Implementation
- New regulation impact analysis and gap assessment
- Regulatory change programme management
- Policy and procedure updates for regulatory changes
- Systems and process remediation
- Staff training and communication on regulatory changes
- Regulator reporting on implementation progress
Remediation Projects
- Regulatory findings remediation planning and execution
- Management action plan development and tracking
- Control deficiency remediation
- Historical review and look-back exercises
- Root cause analysis and corrective action implementation
- Post-remediation validation and testing
Transformation & Improvement Initiatives
- Compliance function optimisation and effectiveness reviews
- Compliance operating model design
- Technology-enabled compliance solutions
- Regulatory technology (RegTech) evaluation and implementation
- Process automation and efficiency improvements
Training & Professional Development
Regulatory & Compliance Training
- Comprehensive e-learning management system (LMS)
- Interactive online courses with assessments and certification
- CPD-accredited training modules
- Automated training tracking and competency reporting
- Customisable training pathways by role and responsibility
Core Training Modules
- Anti-Money Laundering & Counter-Terrorist Financing (AML/CTF)
- Countering Proliferation Financing (CPF)
- Fraud awareness and prevention
- Anti-Bribery and Corruption (ABC)
- Sanctions compliance
- Financial crime typologies and red flags
- Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD)
- PEP identification and management
- Suspicious activity recognition and reporting
Sector-Specific Training
- FIA 2008 compliance for banking institutions
- Payment services regulation under Central Bank Act
- Securities Act compliance for broker-dealers and investment advisers
- Insurance Act 2018 compliance for insurers and intermediaries
- Consumer protection and fair dealing
- Market conduct and ethics
- Product governance and suitability
In-Person & Virtual Classroom Training
- Customised in-house training workshops
- Board and senior management briefings
- Compliance officer certification programmes
- MLRO training and development
- Risk management training
- Internal audit skills development
- Regulatory update seminars and webinars
- Industry conferences and speaking engagements
Regulatory Enforcement & Investigations Support
Regulatory Examination & Investigation Support
- Preparation for CBTT, TTSEC, and other regulatory examinations
- On-site inspection support and attendance
- Regulatory information request response management
- Document production and data room preparation
- Interview preparation and representation
- Regulatory correspondence drafting and review
Enforcement Action Response
- Enforcement notice and formal action response
- Regulatory findings remediation planning
- Settlement negotiation support
- Corrective action plan development
- Independent review and validation services
- Expert witness services for regulatory proceedings
- Regulatory appeals support
Internal Investigations
- Independent internal investigations for misconduct or control failures
- Whistleblowing investigation support
- Financial crime investigation assistance
- Root cause analysis and lessons learned
- Investigation reporting and documentation
- Remediation recommendations and implementation oversight
Acquisition Due Diligence & Transaction Support
Pre-Acquisition Regulatory Due Diligence
- Regulatory compliance due diligence reviews
- License and authorisation status verification
- Regulatory relationships and standing assessment
- Outstanding regulatory issues identification
- Regulatory change-of-control requirements analysis
- Post-acquisition regulatory obligations assessment
Transaction Support Services
- Change-in-control and shareholder approval applications
- Change-in-control application support to CBTT, TTSEC, and insurance regulators
- Fit-and-proper assessments for new controllers
- Regulatory approval process management
- Integration planning for compliance functions
- Post-acquisition compliance harmonisation
Prudential & Capital Services
Capital Adequacy & Prudential Compliance
- Capital adequacy calculations and reporting (Basel-equivalent standards)
- Internal Capital Adequacy Assessment Process (ICAAP) development
- Liquidity risk management and monitoring frameworks
- Large exposure reporting and compliance
- Leverage ratio calculations and reporting
- Own funds composition and regulatory capital analysis
Financial Returns & Prudential Reporting
- CBTT prudential returns preparation (banks, NBFIs, PSPs, insurers)
- TTSEC financial returns preparation
- Insurance solvency reporting
- Regular and ad hoc regulatory financial reporting
- Financial returns quality assurance and validation
Consumer Protection & Conduct Services
Consumer Duty & Fair Treatment
- Consumer protection framework design and implementation
- Fair treatment of customers policies and procedures
- Product governance and oversight frameworks
- Vulnerable customer identification and support
- Financial promotion and marketing compliance
- Disclosure and transparency requirements
Complaints Management
- Complaints handling procedures development
- Complaints management framework design
- Complaints data analysis and root cause identification
Client Communication & Disclosure
- Client agreement and terms of business review
- Disclosure documentation compliance
- Financial promotions compliance review
- Marketing materials regulatory approval
- Client communications monitoring programmes
Insurance Intermediary Services
Insurance Intermediary Compliance Support
- Insurance broker registration and ongoing compliance
- Insurance agent and agency compliance support
- Insurance salesperson regulatory compliance
- Insurance consultant advisory services
- Loss adjuster compliance services
- Insurance intermediary audit and assurance
- Professional indemnity insurance advisory
Fintech & Innovation Advisory
Fintech Regulatory Advisory
- Regulatory sandbox participation support
- Innovative business model regulatory analysis
- Blockchain and cryptocurrency regulatory guidance
Technology Risk & Cybersecurity
- Cybersecurity framework development and assessment
- IT governance and controls review
- Cloud computing risk assessments
- Third-party technology vendor due diligence
- Data privacy and protection compliance (GDPR-equivalent)
- Incident response and breach management planning
Digital Banking and Neobank Licensing Support
- API and open banking compliance
- Digital identity and e-KYC solutions compliance
- Peer-to-peer lending and crowdfunding regulatory advice
Documentation & Policy Development
Policy, Procedure & Manual Development
- Comprehensive compliance manuals
- AML/CFT/CPF policy and procedures manuals
- Risk management policies
- Corporate governance policies and charters
- Code of conduct and ethics policies
- Conflicts of interest policies
- Outsourcing policies
- Business continuity and disaster recovery plans
- Data protection and privacy policies
- All sector-specific regulatory policies
Template & Toolkit Development
- Regulatory compliance toolkit
- Client onboarding documentation and templates
Specialised Advisory Services
a. The Global Access Framework
- Compliance Pre-Screening
- Compliance Readiness Assessments
- Introduction to banking Partners (as qualified) (EU, UK & Asia)
- Post-Onboarding Monitoring and Compliance Oversight
b. Bureau de Change Services
- Cambio license application support
- Foreign exchange compliance frameworks
- FX risk management
- Cross-border payments compliance
- Remittance business advisory
c. Pawnbroking Services
- Pawnbroker license applications (Board of Inland Revenue)
- Pawnbroking regulatory compliance
- Consumer protection compliance for pawnbrokers
d. Payment Systems & Infrastructure
- RTGS (Real-Time Gross Settlement) operator licensing support
- ACH (Automated Clearing House) operator compliance
- Payment system rules and governance
- Interbank payment system regulatory compliance
- Payment system security standards
Industries We Serve
Sector Expertise
We serve clients across the full spectrum of regulated financial services in Trinidad & Tobago and the wider Caribbean.
Banking & Financial Institutions
- Commercial banks licensed under FIA 2008
- Merchant banks and finance companies
- Trust companies and fiduciary service providers
- Financial holding companies
- Credit unions and cooperative financial institutions
Payment Services & Fintech
- Payment Service Providers (PSPs)
- Electronic Money Issuers (EMIs)
- Money transmission and remittance providers
- Merchant acquirers
- Bill payment service providers
- Payment system operators (NIPSO and interbank)
- Mobile money and e-wallet providers
- Fintech startups and innovators
Securities & Capital Markets
- Broker-dealers and securities firms
- Investment advisers and portfolio managers
- Underwriters and distributors
- Reporting issuers and public companies
- Self-regulatory organisations
- Stock exchanges and trading platforms
Insurance
- Life insurance companies
- General insurance companies
- Composite insurers
- Insurance brokers and brokerages
- Insurance agents and agencies
- Insurance salespersons
- Insurance consultants
- Loss adjusters
Foreign Exchange & Remittances
- Bureaux de change (cambios)
- Money transfer operators
- FX dealers
- Cross-border payment providers
Other Financial Services
- Pawnbrokers
- Leasing companies
- Factoring companies
- Microfinance institutions
Discuss Your Compliance Requirements
All engagements begin with a confidential assessment of your business, regulatory environment, and compliance needs.
Request a Compliance Assessment