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Senior Managers and Certification Regime (SM&CR)

Our SMCR compliance services are designed to help implement and maintain robust systems and controls in line with the Senior Managers and Certification Regime (SMCR), ensuring seamless adherence to regulatory requirements.

Our services - Financial Crime

SMCR Gap Analysis

We can conduct a thorough assessment of your existing practices, policies, and procedures to identify gaps and areas that require improvement to align with SMCR obligations.

Senior Manager Function (SMF) Assessments

We assist you in evaluating the suitability of individuals for SMF roles, ensuring they possess the necessary skills, qualifications, and experience required by SMCR.

Certification Regime Support

Our experts can guide you in implementing robust processes for certifying individuals in roles that could pose significant harm to your organisation or its customers, ensuring compliance with certification requirements.

Conduct Rules Training

We offer tailored training programs to educate employees on the Conduct Rules, helping them understand their obligations and the expected standards of behavior under SMCR.

Compliance Documentation and Policies

We provide assistance in developing and updating compliance documentation, including Statements of Responsibilities (SoRs), Management Responsibilities Maps (MRMs), and other relevant policies required for SMCR compliance.

Regulatory Reporting

We can support you in preparing and submitting necessary reports to regulatory authorities, ensuring accurate and timely compliance with SMCR reporting obligations.

Ongoing Compliance Monitoring

Our services include ongoing monitoring and periodic reviews of your SMCR implementation to ensure ongoing compliance and identify areas for improvement.

Culture and Governance Assessments

We help evaluate your organisation's culture and governance framework, providing recommendations and support to align them with the principles of SMCR.

Training and Education Programs

We offer tailored training and education programs for senior management, certified individuals, and staff at all levels to foster a strong understanding of SMCR requirements and promote a culture of compliance.

Require something more bespoke or not listed above? contact us to discuss your requirements, as chances are that if it financial services-related we should be able to help with with our expertise and experience. 

How we will support you

Step 1

We spend time understand your business, people, culture and business requirements.

Step 2

We prepare a business proposal, including a plan of action, based on your unique needs.

Step 3

We provide initial and ongoing support to deliver your requirements. This can also entail onsite and in-house support.

Sectors we serve

Payment services

We work with start-ups to unicorns and offer bespoke support across licence authorisation, compliance and support across the UK and Europe.


We help retail, private and investment banks with authorisation applications, PRA & FCA compliance, financial crime and training.

Credit broking 

If you sell products and services and wish to offer customer finance, then we can help you become FCA authorisation.


We provide comprehensive assistance to general insurers and Lloyd's of London brokers across compliance, training and authorisation.


From buy now pay later to traditional lending models, we advise you on operations, strategy, authorisation, and ongoing compliance requirements.


We work with start-ups to established firms in helping with Electronic Money Institution licence authorisation applications, compliance, training, policy and more.


We help clients on financial crime and licence authorisation across a number of countries.

Investment services

We work with UK and European regulators and can help you become authorised to offer investment services as a regulated business.

Mortgage providers & brokers

We offer a range of services including compliance, training, and authorisation support, specifically tailored for mortgage providers and brokers.

Open banking

We help open banking firms, including account information service and payment initiation service providers, across compliance, training, and authorisation.

Why leading firms choose us as their partner.

"We engaged Buckingham Capital Consulting to assist us with our SM&CR (Senior Managers and Certification Regime) obligations, and their expertise and collaboration have been instrumental in ensuring compliance and effective governance.

Buckingham Capital Consulting worked closely with our firm, taking the time to understand our specific needs and requirements. They provided us with comprehensive guidance on the implementation and ongoing management of the SM&CR framework, ensuring that we met all the necessary regulatory obligations.

Their team collaborated with our management team, conducting in-depth interviews and workshops to identify the relevant senior management functions and certification roles within our organisation. They guided us in assigning clear responsibilities and accountabilities to individuals, ensuring compliance with the regulatory requirements."

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