Editorial

Latest featured

A curated selection of our featured and latest articles

Editorial

Money Laundering Through Markets: Insights from the FCA's Publication

In January 2025, the Financial Conduct Authority (FCA) published a report concentrated in assessing and mitigating the risk of Money Laundering Through Markets (MLTM). This publication builds on their initial thematic review from 2019, focusing on the role of wholesale brokers in capital markets, issued to assist firms in their continued efforts to manage financial crime risk.

Editorial

Money Laundering Through Markets: Insights from the FCA's Publication

In January 2025, the Financial Conduct Authority (FCA) published a report concentrated in assessing and mitigating the risk of Money Laundering Through Markets (MLTM). This publication builds on their initial thematic review from 2019, focusing on the role of wholesale brokers in capital markets, issued to assist firms in their continued efforts to manage financial crime risk.

Editorial

Delta Capita’s Managed Client Lifecycle Management Service selected by Daiwa Capital Markets Europe

Delta Capita has been selected by Daiwa Capital Markets Europe to provide its fully managed Client Lifecycle Management (CLM) service. 

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Delta Capita’s Managed Client Lifecycle Management Service selected by Daiwa Capital Markets Europe

Delta Capita has been selected by Daiwa Capital Markets Europe to provide its fully managed Client Lifecycle Management (CLM) service. 

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Delta Capita Secures Multi-Year Agreement to Deliver Post-Trade OTC Derivative Services for HSBC

Delta Capita has been selected by HSBC to deliver OTC derivatives confirmation and settlement services globally under a multi-year agreement.

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Delta Capita Secures Multi-Year Agreement to Deliver Post-Trade OTC Derivative Services for HSBC

Delta Capita has been selected by HSBC to deliver OTC derivatives confirmation and settlement services globally under a multi-year agreement.

Editorial

Delta Capita strengthens its Consulting capabilities with acquisition of CLM advisory firm, Aurora

Delta Capita announces the acquisition of Aurora, a global consultancy, headquartered in the UK with specialist advisory knowledge in client lifecycle management (CLM) organisation design, process optimisation and technology.

Editorial

Delta Capita strengthens its Consulting capabilities with acquisition of CLM advisory firm, Aurora

Delta Capita announces the acquisition of Aurora, a global consultancy, headquartered in the UK with specialist advisory knowledge in client lifecycle management (CLM) organisation design, process optimisation and technology.

Editorial

Delta Capita appoints Caroline O'Sullivan as Head of Ireland

Based in Dublin, Caroline will be responsible for developing and executing Delta Capita’s regional business strategy with a focus on driving sustainable growth across all core service lines in addition to managing client relationships and overseeing business operations. 

Editorial

Delta Capita appoints Caroline O'Sullivan as Head of Ireland

Based in Dublin, Caroline will be responsible for developing and executing Delta Capita’s regional business strategy with a focus on driving sustainable growth across all core service lines in addition to managing client relationships and overseeing business operations. 

Editorial

Navigating the EU AI Act: Key Insights into Regulation (EU) 2024/1689

Last week on July 12th, the EU Artificial Intelligence (AI) Act was published in the Official Journal as Regulation (EU) 2024/1689. This means the countdown has officially started for institutions to become compliant, and by mid-2026, the provisions of the regulation will generally be fully applicable.

Editorial

Navigating the EU AI Act: Key Insights into Regulation (EU) 2024/1689

Last week on July 12th, the EU Artificial Intelligence (AI) Act was published in the Official Journal as Regulation (EU) 2024/1689. This means the countdown has officially started for institutions to become compliant, and by mid-2026, the provisions of the regulation will generally be fully applicable.

Editorial

Delta Capita appoints Nick Frost as Global Chief Financial Officer

Delta Capita announces the appointment of Nick Frost as Global Chief Financial Officer (CFO).

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Delta Capita appoints Nick Frost as Global Chief Financial Officer

Delta Capita announces the appointment of Nick Frost as Global Chief Financial Officer (CFO).

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Delta Capita Moves to New Office in Wrexham to Support Its Future Growth Plans

Delta Capita announces the relocation of its Wrexham office to a larger facility in the area to support its strategic expansion plans. 

Editorial

Delta Capita Moves to New Office in Wrexham to Support Its Future Growth Plans

Delta Capita announces the relocation of its Wrexham office to a larger facility in the area to support its strategic expansion plans. 

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Delta Capita appoints Liliana Girao-Tavares as the US Head of Client Lifecycle Management

Delta Capita welcomes Liliana Girao-Tavares as its new US Head of Client Lifecycle Management.

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Delta Capita appoints Liliana Girao-Tavares as the US Head of Client Lifecycle Management

Delta Capita welcomes Liliana Girao-Tavares as its new US Head of Client Lifecycle Management.

Editorial

Delta Capita acquires LSEG’s Client On-Boarding Solution

London, 30 April 2024 - Delta Capita, a leading global Capital Markets consulting, managed services and technology provider, today announces it has acquired Client On-Boarding technology from LSEG (London Stock Exchange Group). 

Editorial

Delta Capita acquires LSEG’s Client On-Boarding Solution

London, 30 April 2024 - Delta Capita, a leading global Capital Markets consulting, managed services and technology provider, today announces it has acquired Client On-Boarding technology from LSEG (London Stock Exchange Group). 

Editorial

Unlocking Potential: The Impact of AI on Digital Marketing

Artificial Intelligence (AI) and, more recently, generative AI (GenAI) has revolutionised the digital marketing landscape, redefining the way businesses connect with their audiences and achieve their marketing goals. 

Editorial

Unlocking Potential: The Impact of AI on Digital Marketing

Artificial Intelligence (AI) and, more recently, generative AI (GenAI) has revolutionised the digital marketing landscape, redefining the way businesses connect with their audiences and achieve their marketing goals. 

Editorial

The Future of Financial Crime: Insights from the New York 1LOD Summit

Following the 1LOD Financial Crime Summit in New York, Diane Eshleman, Head of Americas and Global Chief Sustainability Officer, along with Tracey Allen, Global Head of CLM Services, discuss key takeaways from the event. 

Editorial

The Future of Financial Crime: Insights from the New York 1LOD Summit

Following the 1LOD Financial Crime Summit in New York, Diane Eshleman, Head of Americas and Global Chief Sustainability Officer, along with Tracey Allen, Global Head of CLM Services, discuss key takeaways from the event. 

Editorial

Innovation in Capital Markets: Insights from TradingTech Summit London

Michael Robertson, Head of Consulting, Karan Kapoor, Head of Regulatory and Risk Consulting and Niamh Kingsley, Head of Product Innovation & Artificial Intelligence attend A-Team Group’s TradingTech Summit London. 

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Innovation in Capital Markets: Insights from TradingTech Summit London

Michael Robertson, Head of Consulting, Karan Kapoor, Head of Regulatory and Risk Consulting and Niamh Kingsley, Head of Product Innovation & Artificial Intelligence attend A-Team Group’s TradingTech Summit London. 

Editorial

Enhancing Client Experience through Digital Outreach

Outreach plays a pivotal role in KYC and AML processes. In instances where crucial information and documents are not accessible in the public domain, companies need to reach out to clients. This outreach is essential to fill in the gaps, allowing clients to fulfil their KYC and AML obligations seamlessly.

Editorial

Enhancing Client Experience through Digital Outreach

Outreach plays a pivotal role in KYC and AML processes. In instances where crucial information and documents are not accessible in the public domain, companies need to reach out to clients. This outreach is essential to fill in the gaps, allowing clients to fulfil their KYC and AML obligations seamlessly.

Editorial

Financial Economic Crime / Client Lifecycle Management: Target Operating Models within Delta Capita

Delta Capita have extensive experience supporting clients with the creation, review, and implementation of best-in-class operating model visions (TOM’s) within the Client Lifecycle Management (CLM) domain.

Editorial

Financial Economic Crime / Client Lifecycle Management: Target Operating Models within Delta Capita

Delta Capita have extensive experience supporting clients with the creation, review, and implementation of best-in-class operating model visions (TOM’s) within the Client Lifecycle Management (CLM) domain.

Editorial

5 Types of Digital Cash, and the Future of Stablecoin Regulation

In this latest article, Michael Levens, Head of Payments, Niamh Kingsley, Head of Product Innovation & Artificial Intelligence, Lars Müller, DLT Project Lead and Marian McGuigan, Principal Consultant discuss the 5 Types of Digital Cash, and the Future of Stablecoin Regulation. 

Editorial

5 Types of Digital Cash, and the Future of Stablecoin Regulation

In this latest article, Michael Levens, Head of Payments, Niamh Kingsley, Head of Product Innovation & Artificial Intelligence, Lars Müller, DLT Project Lead and Marian McGuigan, Principal Consultant discuss the 5 Types of Digital Cash, and the Future of Stablecoin Regulation. 

Editorial

NextGen FinCrime Fighters: The intersection of compliance, governance and why AI has changed everything in 2023

In November, Gary McClure, Head of Client Lifecycle Management Strategic Opportunities and George Collier, Head of CLM sales attended the 2023 Transform Finance event in London. 

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NextGen FinCrime Fighters: The intersection of compliance, governance and why AI has changed everything in 2023

In November, Gary McClure, Head of Client Lifecycle Management Strategic Opportunities and George Collier, Head of CLM sales attended the 2023 Transform Finance event in London. 

Editorial

Can Google Cloud’s AML AI Revolutionise Anti-Money Laundering?

In a bold move to combat the rampant issue of money laundering with cutting-edge technology, Google Cloud has launched a new offering this year called ‘Anti Money Laundering AI’ (AML AI). 

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Can Google Cloud’s AML AI Revolutionise Anti-Money Laundering?

In a bold move to combat the rampant issue of money laundering with cutting-edge technology, Google Cloud has launched a new offering this year called ‘Anti Money Laundering AI’ (AML AI). 

Editorial

Dealing with the Climate Crisis: Challenges and Opportunities for 2024

While technology can be an important enabler for environmental stewardship, major hurdles still exist in the global battle to address the climate crisis. 

Editorial

Dealing with the Climate Crisis: Challenges and Opportunities for 2024

While technology can be an important enabler for environmental stewardship, major hurdles still exist in the global battle to address the climate crisis. 

Editorial

Insights from teissLondon2024: Navigating the Cybersecurity Landscape with Delta Capita

On 22nd February Michael Levens, head of Delta Capita's Data, Technology, Automation, and Testing (DTAT) solutions practice attended teissLondon2024, The European Information Security Summit. 

Editorial

Insights from teissLondon2024: Navigating the Cybersecurity Landscape with Delta Capita

On 22nd February Michael Levens, head of Delta Capita's Data, Technology, Automation, and Testing (DTAT) solutions practice attended teissLondon2024, The European Information Security Summit. 

Editorial

Consumer Duty – Looking at Data Differently to Determine Good Consumer Outcomes

In our last Consumer Duty article, we explored the need for an effective six step approach to Governance, Risk and Compliance (GRC) around the production of Management Information (MI). Appropriate MI in turn supports effective, timely, mitigating activity and is used to properly evidence good outcomes for Consumer Duty (CD).

Editorial

Consumer Duty – Looking at Data Differently to Determine Good Consumer Outcomes

In our last Consumer Duty article, we explored the need for an effective six step approach to Governance, Risk and Compliance (GRC) around the production of Management Information (MI). Appropriate MI in turn supports effective, timely, mitigating activity and is used to properly evidence good outcomes for Consumer Duty (CD).

Editorial

Navigating the Tides: The Future of Financial Services Regulations in 2024 and Beyond

The banking & financial services industry stands at the beginning of a very busy regulatory agenda for 2024 and beyond, as a complex cross-border regulatory landscape emerges, promising both challenges and opportunities.

Editorial

Navigating the Tides: The Future of Financial Services Regulations in 2024 and Beyond

The banking & financial services industry stands at the beginning of a very busy regulatory agenda for 2024 and beyond, as a complex cross-border regulatory landscape emerges, promising both challenges and opportunities.

Editorial

The Cybersecurity Skills Crisis – The real threat Financial Services firms’ need to address

Technology has acted as the catalyst for many modern-day advances in our quality of life. However, there are two sides to every coin and technology also brings with it new threats to our cybersecurity, as seen in multiple real-world examples, likely taking place as you continue to read this article.

Editorial

The Cybersecurity Skills Crisis – The real threat Financial Services firms’ need to address

Technology has acted as the catalyst for many modern-day advances in our quality of life. However, there are two sides to every coin and technology also brings with it new threats to our cybersecurity, as seen in multiple real-world examples, likely taking place as you continue to read this article.

Editorial

What’s Behind NYC’s Push for a Public Ownership Database?

Roksolana Tsymbaliy, Financial Services Consultant at Delta Capita discusses the LLC Transparency Act looking and what’s behind NYC’s push for a public ownership database. 

Editorial

What’s Behind NYC’s Push for a Public Ownership Database?

Roksolana Tsymbaliy, Financial Services Consultant at Delta Capita discusses the LLC Transparency Act looking and what’s behind NYC’s push for a public ownership database. 

Editorial

Driving Consumer Duty: Data Quality Mistakes and What We Can Learn

The introduction of Consumer Duty marks a shift in the responsibilities of financial services firms. Moving forward, firms must now evidence that they deliver ‘good’ outcomes to their customers and have them at the forefront of future decision making. However, decisions are driven by data and for firms to evidence – and more crucially - deliver these high-quality outcomes, they require high quality data. 

Editorial

Driving Consumer Duty: Data Quality Mistakes and What We Can Learn

The introduction of Consumer Duty marks a shift in the responsibilities of financial services firms. Moving forward, firms must now evidence that they deliver ‘good’ outcomes to their customers and have them at the forefront of future decision making. However, decisions are driven by data and for firms to evidence – and more crucially - deliver these high-quality outcomes, they require high quality data. 

Editorial

AFME OPTIC 2023 - Key Discussions shaping the future of the European Capital Markets Post Trade Ecosystem

Last week the Delta Capita team were delighted to attend the 2023 AFME Operations, Post Trade, Technology and Innovation (“OPTIC”) forum in Brussels. Industry practitioners, technologists and policymakers converged to provide insights into the European Capital Markets ecosystem and its regulatory framework.

Editorial

AFME OPTIC 2023 - Key Discussions shaping the future of the European Capital Markets Post Trade Ecosystem

Last week the Delta Capita team were delighted to attend the 2023 AFME Operations, Post Trade, Technology and Innovation (“OPTIC”) forum in Brussels. Industry practitioners, technologists and policymakers converged to provide insights into the European Capital Markets ecosystem and its regulatory framework.

Editorial

How banks can finally reduce their Karbon footprint

Imagine this, you are a COO of a major bank managing hundreds, sometimes thousands of people globally on Know Your Customer (KYC) and Anti-Money laundering (AML) tasks. Time that could otherwise be s

Editorial

How banks can finally reduce their Karbon footprint

Imagine this, you are a COO of a major bank managing hundreds, sometimes thousands of people globally on Know Your Customer (KYC) and Anti-Money laundering (AML) tasks. Time that could otherwise be s

Editorial

ISO 20022 Enhanced Data - The Golden Standard

ISO 20022 is an open global standard for financial information. It provides a more consistent, significantly richer, and highly structured data set that can be used for most financial business transactions. 

Editorial

ISO 20022 Enhanced Data - The Golden Standard

ISO 20022 is an open global standard for financial information. It provides a more consistent, significantly richer, and highly structured data set that can be used for most financial business transactions. 

Editorial

Delta Capita announces new Distributed Ledger Technology venture with Montis as anchor client

We are delighted to announce that Delta Capita has an agreement with Montis Group to become the anchor client for its new Distributed Ledger Services venture. In parallel, Delta Capita has acquired distributed ledger technology from SETL, part of the Colendi Group and will dedicate this technology to building the next generation capital markets ecosystem.

Editorial

Delta Capita announces new Distributed Ledger Technology venture with Montis as anchor client

We are delighted to announce that Delta Capita has an agreement with Montis Group to become the anchor client for its new Distributed Ledger Services venture. In parallel, Delta Capita has acquired distributed ledger technology from SETL, part of the Colendi Group and will dedicate this technology to building the next generation capital markets ecosystem.

Editorial

Innovating Model Validation Processes for Retail Credit Risk Models: Embracing Automation and Efficiency

Model validation processes can often be time-consuming and resource intensive. However, by leveraging advanced automation techniques and efficient workflows, financial institutions can significantly enhance the efficiency of model validation across its lifecycle. Key focus areas include categorising structured and unstructured data, assessing data quality and standardising model inputs, ultimately enabling timely monitoring improving validation accuracy. This article explores innovative strategies to streamline model validation for retail credit risk models, with a focus on automated steps and efficiency improvements.

Editorial

Innovating Model Validation Processes for Retail Credit Risk Models: Embracing Automation and Efficiency

Model validation processes can often be time-consuming and resource intensive. However, by leveraging advanced automation techniques and efficient workflows, financial institutions can significantly enhance the efficiency of model validation across its lifecycle. Key focus areas include categorising structured and unstructured data, assessing data quality and standardising model inputs, ultimately enabling timely monitoring improving validation accuracy. This article explores innovative strategies to streamline model validation for retail credit risk models, with a focus on automated steps and efficiency improvements.

Editorial

Enhancing Quality Assurance in Financial Services through Automated Data Reconciliations

In today's financial services landscape, with growing data volumes and regulatory demands ever-present, ensuring the accuracy and integrity of financial data is paramount. Quality Assurance (QA) processes play a crucial role in mitigating risks and upholding compliance standards. However, conventional manual reconciliation methods often prove inadequate in scale and accuracy.

Editorial

Enhancing Quality Assurance in Financial Services through Automated Data Reconciliations

In today's financial services landscape, with growing data volumes and regulatory demands ever-present, ensuring the accuracy and integrity of financial data is paramount. Quality Assurance (QA) processes play a crucial role in mitigating risks and upholding compliance standards. However, conventional manual reconciliation methods often prove inadequate in scale and accuracy.

Editorial

MACH: An Introduction to Hybrid Finance (HyFi)

At Delta Capita, we view the future “post-digital” technology landscape as being critically defined by key innovative technologies and concepts that are summarised by the acronym DREAM-C. These are: Distributed Ledger Technology (DLT), Robotics (incl. RPA), Extended Reality (incl. AR &VR), Artificial Intelligence (AI), Mutualisation and Computing (cloud & quantum). In this series, we focus on DLT – specifically on the difference and convergence of Traditional Finance and Decentralised Finance— in this post-digital landscape.

Editorial

MACH: An Introduction to Hybrid Finance (HyFi)

At Delta Capita, we view the future “post-digital” technology landscape as being critically defined by key innovative technologies and concepts that are summarised by the acronym DREAM-C. These are: Distributed Ledger Technology (DLT), Robotics (incl. RPA), Extended Reality (incl. AR &VR), Artificial Intelligence (AI), Mutualisation and Computing (cloud & quantum). In this series, we focus on DLT – specifically on the difference and convergence of Traditional Finance and Decentralised Finance— in this post-digital landscape.

Editorial

Benchmarking: how to improve your KYC and AML processes

We often use benchmarking when assessing options and making decisions in everyday life. For example, the popularity of electric cars has spawned its own new benchmarks for consumers to consider when

Editorial

Benchmarking: how to improve your KYC and AML processes

We often use benchmarking when assessing options and making decisions in everyday life. For example, the popularity of electric cars has spawned its own new benchmarks for consumers to consider when

Editorial

Navigating Client Lifecycle Management: 2024 Takeaways and 2025 Emerging Trends


Through the evolving lens of thought leadership, understanding the ever-changing landscape of Client Lifecycle Management (CLM) is essential. This article explores CLM through insights from experts across our UK, Ireland, US, and APAC regions, delving into the biggest CLM trends of 2024 and anticipating emerging trends for 2025. 

Editorial

Navigating Client Lifecycle Management: 2024 Takeaways and 2025 Emerging Trends


Through the evolving lens of thought leadership, understanding the ever-changing landscape of Client Lifecycle Management (CLM) is essential. This article explores CLM through insights from experts across our UK, Ireland, US, and APAC regions, delving into the biggest CLM trends of 2024 and anticipating emerging trends for 2025. 

Editorial

Is Perpetual KYC the future of compliance?

The latest instalment of Delta Capita’s FinTech Series saw Chris Cowan Managing Consultant, host a panel of industry experts to discuss the impact, use and benefits of perpetual KYC. The panel consis

Editorial

Is Perpetual KYC the future of compliance?

The latest instalment of Delta Capita’s FinTech Series saw Chris Cowan Managing Consultant, host a panel of industry experts to discuss the impact, use and benefits of perpetual KYC. The panel consis

Editorial

Delta Capita Appoints Stephen Pemberton as Global Head of Account Management

Delta Capita is thrilled to announce the appointment of Stephen Pemberton as our new Global Head of Account Management. 

Editorial

Delta Capita Appoints Stephen Pemberton as Global Head of Account Management

Delta Capita is thrilled to announce the appointment of Stephen Pemberton as our new Global Head of Account Management. 

Editorial

Unlocking the Power of AI: Transforming ESG Data Aggregation for a Sustainable Future

This blog will explore five ways that AI could improve ESG data aggregation to deliver valuable insights for all stakeholders.

Editorial

Unlocking the Power of AI: Transforming ESG Data Aggregation for a Sustainable Future

This blog will explore five ways that AI could improve ESG data aggregation to deliver valuable insights for all stakeholders.

Editorial

Embracing SS1/23: How AI and Machine Learning are Shaping MRM ​

Model risk management has become a critical aspect of risk management frameworks within financial institutions due to the increasing reliance on models for decision-making. SR11-7 (USA), TRIM (EU) and more recently SS1/23 (UK) provide comprehensive guidelines to ensure that model risk is effectively identified, measured, monitored, and controlled. ​

Editorial

Embracing SS1/23: How AI and Machine Learning are Shaping MRM ​

Model risk management has become a critical aspect of risk management frameworks within financial institutions due to the increasing reliance on models for decision-making. SR11-7 (USA), TRIM (EU) and more recently SS1/23 (UK) provide comprehensive guidelines to ensure that model risk is effectively identified, measured, monitored, and controlled. ​

Editorial

Delta Capita successfully becomes SOC 2 Type 2 Certified for SRP

Delta Capita has successfully completed the SOC 2 Type II attestation for SRP, marking another significant milestone in our commitment to data security. 

Editorial

Delta Capita successfully becomes SOC 2 Type 2 Certified for SRP

Delta Capita has successfully completed the SOC 2 Type II attestation for SRP, marking another significant milestone in our commitment to data security. 

Editorial

Consumer Duty: Financial Promotions & Marketing

Our recent blog by Neil Jones, Managing Consultant at Delta Capita, delves into the intersection of the new Consumer Duty and existing Fin. Prom regulations, shedding light on what firms need to know to stay compliant and consumer-focused.

Editorial

Consumer Duty: Financial Promotions & Marketing

Our recent blog by Neil Jones, Managing Consultant at Delta Capita, delves into the intersection of the new Consumer Duty and existing Fin. Prom regulations, shedding light on what firms need to know to stay compliant and consumer-focused.

Editorial

FCA Issues First Transaction Reporting Fine under UK MIFIR

Regulatory compliance is a cornerstone of financial market stability, with the UK Markets in Financial Instruments Regulation (UK MiFIR) playing a crucial role in maintaining transparency and integrity. In the UK and Europe regulators rely on comprehensive, accurate, and timely MIFIR daily transaction reports to monitor, detect, and address potential market abuse.

Editorial

FCA Issues First Transaction Reporting Fine under UK MIFIR

Regulatory compliance is a cornerstone of financial market stability, with the UK Markets in Financial Instruments Regulation (UK MiFIR) playing a crucial role in maintaining transparency and integrity. In the UK and Europe regulators rely on comprehensive, accurate, and timely MIFIR daily transaction reports to monitor, detect, and address potential market abuse.

Editorial

CLM - 2040

What do you think the world will look like in 2040? Do you think we’ll be living in a Black Mirror style dystopia? Maybe you’re a little more optimistic. It’s tricky enough to predict what the future might hold in many cases, let alone within such a fast-moving field such as technology.

Editorial

CLM - 2040

What do you think the world will look like in 2040? Do you think we’ll be living in a Black Mirror style dystopia? Maybe you’re a little more optimistic. It’s tricky enough to predict what the future might hold in many cases, let alone within such a fast-moving field such as technology.

Editorial

CLM Challenges for Fund Administrators

In this article, Matthew uncovers the differences between CLM for FAs vs Global Banks and explore the opportunities available for CLM technology to solve for the nuanced challenges FAs face around onboarding & KYC.

Editorial

CLM Challenges for Fund Administrators

In this article, Matthew uncovers the differences between CLM for FAs vs Global Banks and explore the opportunities available for CLM technology to solve for the nuanced challenges FAs face around onboarding & KYC.

Editorial

Why a portal isn't enough: the importance of digital journeys

In this article Matthew Benham explores why end-to-end digital journeys should contain portals, but why portals don’t necessarily make a digital journey.

Editorial

Why a portal isn't enough: the importance of digital journeys

In this article Matthew Benham explores why end-to-end digital journeys should contain portals, but why portals don’t necessarily make a digital journey.

Editorial

Chat GPTs impact on CLM & onboarding

We're curious about the potential impact of ChatGPT on CLM. In this article we explore how this powerful AI tool can revolutionise customer experience.

Editorial

Chat GPTs impact on CLM & onboarding

We're curious about the potential impact of ChatGPT on CLM. In this article we explore how this powerful AI tool can revolutionise customer experience.

Editorial

Why Clients Should Choose Delta Capita’s Advisory Team for Asset Servicing

In the fast-paced world of asset servicing, efficiency, precision, and regulatory compliance are essential. Below, we explain why our CLM Advisory team is the ideal partner for asset servicing solutions, highlighting our in-depth understanding of the asset servicing landscape and regional regulatory requirements.

Editorial

Why Clients Should Choose Delta Capita’s Advisory Team for Asset Servicing

In the fast-paced world of asset servicing, efficiency, precision, and regulatory compliance are essential. Below, we explain why our CLM Advisory team is the ideal partner for asset servicing solutions, highlighting our in-depth understanding of the asset servicing landscape and regional regulatory requirements.

Editorial

Why the direction of CLM might be 'Buy and Break'

In this article, Sean Vickers and Matthew Benham sit down to explore why buying a solution in order to pull it apart and take control might be where CLM is headed.

Editorial

Why the direction of CLM might be 'Buy and Break'

In this article, Sean Vickers and Matthew Benham sit down to explore why buying a solution in order to pull it apart and take control might be where CLM is headed.

Editorial

Think you know CLM?

There is a huge disparity between what CLM actually is and what most organisations think it is. This article will show you why your understanding is probably wrong.

Editorial

Think you know CLM?

There is a huge disparity between what CLM actually is and what most organisations think it is. This article will show you why your understanding is probably wrong.

Editorial

Forensic Healthchecks

Our focus is to gap what you don’t know rather than to replay what you do. This article focuses on why company’s forensic health checks are a must for banks and financial institutions alike.

Editorial

Forensic Healthchecks

Our focus is to gap what you don’t know rather than to replay what you do. This article focuses on why company’s forensic health checks are a must for banks and financial institutions alike.

Editorial

Navigating Compliance: Key Financial Regulations Through 2025 and Beyond

As we step into 2025, the financial industry’s regulatory landscape continues to evolve, with new compliance requirements and deadlines shaping the way firms operate. Alongside preparing for these changes, there is an ongoing focus on embedding the regulations that had compliance deadlines in 2024, such as the Consumer Duty, EMIR Refit Reporting, and EU MiCAR.

Editorial

Navigating Compliance: Key Financial Regulations Through 2025 and Beyond

As we step into 2025, the financial industry’s regulatory landscape continues to evolve, with new compliance requirements and deadlines shaping the way firms operate. Alongside preparing for these changes, there is an ongoing focus on embedding the regulations that had compliance deadlines in 2024, such as the Consumer Duty, EMIR Refit Reporting, and EU MiCAR.

Editorial

DORA Demystified: Your Guide to Resilience and Compliance

With the Digital Operational Resilience Act (DORA) set to reshape the regulatory landscape, misconceptions persist about its scope and requirements. Let’s untangle some common myths to better understand DORA’s impact on Firms and ICT Providers, both within and beyond the EU.

Editorial

DORA Demystified: Your Guide to Resilience and Compliance

With the Digital Operational Resilience Act (DORA) set to reshape the regulatory landscape, misconceptions persist about its scope and requirements. Let’s untangle some common myths to better understand DORA’s impact on Firms and ICT Providers, both within and beyond the EU.

Editorial

ESG: Is it still relevant?

In the past decade, Environmental, Social, and Governance (ESG) standards have gained prominence as an important framework for evaluating corporate responsibility and long-term sustainability. At its core, ESG holds that companies should not only pursue profitability, but do so with consideration of their impact on the environment, their stakeholders, and their governance practices. ESG champions envision companies with stronger financials in the long term, improved reputations, making meaningful contributions to a better world.

Editorial

ESG: Is it still relevant?

In the past decade, Environmental, Social, and Governance (ESG) standards have gained prominence as an important framework for evaluating corporate responsibility and long-term sustainability. At its core, ESG holds that companies should not only pursue profitability, but do so with consideration of their impact on the environment, their stakeholders, and their governance practices. ESG champions envision companies with stronger financials in the long term, improved reputations, making meaningful contributions to a better world.

Editorial

Supporting Loan Operations: A Delta Capita Case Study

Many Loan Operations teams rely heavily on manual processes, which can impact efficiency, increase operational risk, and reduce overall service quality. These inefficiencies can lead to trade breaks, settlement failures, and compliance challenges, particularly in the complex world of wholesale lending.

Editorial

Supporting Loan Operations: A Delta Capita Case Study

Many Loan Operations teams rely heavily on manual processes, which can impact efficiency, increase operational risk, and reduce overall service quality. These inefficiencies can lead to trade breaks, settlement failures, and compliance challenges, particularly in the complex world of wholesale lending.

Editorial

Enhancing Transaction Reporting: Market Watch 81

In the dynamic world of financial regulation, ensuring the integrity of transaction reporting is essential. As the UK MiFID transaction reporting regime remains under close examination, firms must uphold the highest standards of accuracy and completeness in their reporting practices. This focus on key challenges and areas for improvement is also relevant for firms subject to trade reporting requirements under UK EMIR and SFTR.

Editorial

Enhancing Transaction Reporting: Market Watch 81

In the dynamic world of financial regulation, ensuring the integrity of transaction reporting is essential. As the UK MiFID transaction reporting regime remains under close examination, firms must uphold the highest standards of accuracy and completeness in their reporting practices. This focus on key challenges and areas for improvement is also relevant for firms subject to trade reporting requirements under UK EMIR and SFTR.

Editorial

The ESG Data Dilemma – Is AI the Answer?

Delta Capita Discussion Forum – October 2024 The ESG Forum at Delta Capita spearheaded by Jonathan Gilmour of Travers Smith LLP, Mandy Chung of FactSet and Niamh Kingsley of Delta Capita, delved into the complex and evolving world of sustainability data – reporting requirements, appropriate ESG metrics and related technology tooling.

Editorial

The ESG Data Dilemma – Is AI the Answer?

Delta Capita Discussion Forum – October 2024 The ESG Forum at Delta Capita spearheaded by Jonathan Gilmour of Travers Smith LLP, Mandy Chung of FactSet and Niamh Kingsley of Delta Capita, delved into the complex and evolving world of sustainability data – reporting requirements, appropriate ESG metrics and related technology tooling.

Editorial

Conduct Risk Survey 2024: Nine Years of Evolving Accountability, Culture, and Technology Enablement

We are pleased to publish Delta Capita's Conduct Risk Survey 2024. Please find full report via the link below.

Editorial

Conduct Risk Survey 2024: Nine Years of Evolving Accountability, Culture, and Technology Enablement

We are pleased to publish Delta Capita's Conduct Risk Survey 2024. Please find full report via the link below.

Editorial

Integrating traditional and digital CSD services with MACH DLT

As global financial markets continue to evolve, Central Securities Depositories (CSDs) face increasing pressure to adapt to the growing demands of digital and tokenised assets. Traditional systems, while robust for conventional assets, often struggle with scalability, transparency, and the complexities associated with integrating digital technologies.

Editorial

Integrating traditional and digital CSD services with MACH DLT

As global financial markets continue to evolve, Central Securities Depositories (CSDs) face increasing pressure to adapt to the growing demands of digital and tokenised assets. Traditional systems, while robust for conventional assets, often struggle with scalability, transparency, and the complexities associated with integrating digital technologies.

Editorial

Get Ahead of the Curve: Preparing for the FCA's Motor Finance Complaints Deadline in 2025

Following on from the FCA’s recent updates, there is a proposed extension of the standing pause that firms have been given, to respond to consumers on their Motor Finance complaints. This deadline would be pushed back until the end of 2025.

Editorial

Get Ahead of the Curve: Preparing for the FCA's Motor Finance Complaints Deadline in 2025

Following on from the FCA’s recent updates, there is a proposed extension of the standing pause that firms have been given, to respond to consumers on their Motor Finance complaints. This deadline would be pushed back until the end of 2025.

Editorial

3 Cloud Data Security Strategies for CISOs to Consider in 2024

In 2023, there were 2,814 data breaches, with an average cost of $5 million per breach. Despite those statistics, many CISOs still miss the critical cybersecurity strategies that could help to prevent several vulnerabilities in their cloud environments.

Editorial

3 Cloud Data Security Strategies for CISOs to Consider in 2024

In 2023, there were 2,814 data breaches, with an average cost of $5 million per breach. Despite those statistics, many CISOs still miss the critical cybersecurity strategies that could help to prevent several vulnerabilities in their cloud environments.

Editorial

The Role of Structured Postal Addresses in ISO 20022

The financial industry is undergoing a major transition to the ISO 20022 standard, impacting cross-border and domestic high-value payments. This shift mandates the use of structured postal addresses by 2026, enhancing transaction efficiency, security, and regulatory compliance.

Editorial

The Role of Structured Postal Addresses in ISO 20022

The financial industry is undergoing a major transition to the ISO 20022 standard, impacting cross-border and domestic high-value payments. This shift mandates the use of structured postal addresses by 2026, enhancing transaction efficiency, security, and regulatory compliance.

Editorial

DORA RTS: Requirements for Digital Operational Resilience for Financial Entities

As the January 17, 2025 implementation deadline approaches, organisations are gearing up for significant changes. By now, firms should have completed most of the preparatory and foundational work and be in the final stages of fine-tuning and testing their compliance measures. Any gaps identified should be addressed promptly to ensure full compliance by January 2025 as failure to comply by this date can lead firms to receiving sanctions, penalties and potential operational bans.

Editorial

DORA RTS: Requirements for Digital Operational Resilience for Financial Entities

As the January 17, 2025 implementation deadline approaches, organisations are gearing up for significant changes. By now, firms should have completed most of the preparatory and foundational work and be in the final stages of fine-tuning and testing their compliance measures. Any gaps identified should be addressed promptly to ensure full compliance by January 2025 as failure to comply by this date can lead firms to receiving sanctions, penalties and potential operational bans.

Editorial

Revolutionising Index Rebalancing: Leveraging Modern Programming Languages for Efficiency and Accuracy

Index rebalancing is a crucial process in the financial industry, ensuring that indexes remain representative of their underlying markets. Traditionally, many companies have relied on outdated legacy code, VBA scripts, and manual Excel spreadsheets to manage this process. However, these methods can be slow, prone to errors, and inadequate for handling and analysing large datasets.

Editorial

Revolutionising Index Rebalancing: Leveraging Modern Programming Languages for Efficiency and Accuracy

Index rebalancing is a crucial process in the financial industry, ensuring that indexes remain representative of their underlying markets. Traditionally, many companies have relied on outdated legacy code, VBA scripts, and manual Excel spreadsheets to manage this process. However, these methods can be slow, prone to errors, and inadequate for handling and analysing large datasets.

Editorial

Post-Digital Post-Trade: The Power of Mutualisation

At Delta Capita, we view the future “post-digital” technology landscape as being critically defined by key innovative technologies and concepts that are summarised by the acronym DREAM-C. These are: Distributed Ledger Technology (DLT), Robotics (incl. RPA), Extended Reality (incl. AR & VR), Artificial Intelligence (AI), Mutualisation and Computing (cloud & quantum). In this series, we focus on how post-trade might look in this post-digital landscape.

Editorial

Post-Digital Post-Trade: The Power of Mutualisation

At Delta Capita, we view the future “post-digital” technology landscape as being critically defined by key innovative technologies and concepts that are summarised by the acronym DREAM-C. These are: Distributed Ledger Technology (DLT), Robotics (incl. RPA), Extended Reality (incl. AR & VR), Artificial Intelligence (AI), Mutualisation and Computing (cloud & quantum). In this series, we focus on how post-trade might look in this post-digital landscape.

Editorial

Delta Capita appoints Bradley Szu-Tu as APAC Head of Client Lifecycle Management

Delta Capita announces the appointment of Bradley Szu-Tu as Head of Client Lifecycle Management (CLM) in APAC. 

Editorial

Delta Capita appoints Bradley Szu-Tu as APAC Head of Client Lifecycle Management

Delta Capita announces the appointment of Bradley Szu-Tu as Head of Client Lifecycle Management (CLM) in APAC. 

Editorial

Streamlining Index Rebalancing Through Code Refactoring

Traditional methods of rebalancing indexes often rely on outdated and inefficient tools, leading to increased costs and potential errors. This process can be optimised by leveraging modern programming techniques to save resources and reduce costs.

Editorial

Streamlining Index Rebalancing Through Code Refactoring

Traditional methods of rebalancing indexes often rely on outdated and inefficient tools, leading to increased costs and potential errors. This process can be optimised by leveraging modern programming techniques to save resources and reduce costs.

Editorial

Non-Performing Loans and the EBA Considerations

Is your bank struggling with NPL management? Find out how to tackle it effectively in this latest blog.

Editorial

Non-Performing Loans and the EBA Considerations

Is your bank struggling with NPL management? Find out how to tackle it effectively in this latest blog.

Editorial

Post-Digital Post-Trade: Connecting DLT & AI

At Delta Capita, we view the future 'post-digital' technology landscape as being critically defined by key innovative technologies and concepts that are summarised by the acronym DREAM-C: Distributed Ledger Technology (DLT), Robotics (incl. RPA), Extended Reality (incl. AR &VR), Artificial Intelligence (AI), Mutualisation, and Computing (cloud & quantum). In this series, we focus on how post-trade might look in this post-digital landscape.

Editorial

Post-Digital Post-Trade: Connecting DLT & AI

At Delta Capita, we view the future 'post-digital' technology landscape as being critically defined by key innovative technologies and concepts that are summarised by the acronym DREAM-C: Distributed Ledger Technology (DLT), Robotics (incl. RPA), Extended Reality (incl. AR &VR), Artificial Intelligence (AI), Mutualisation, and Computing (cloud & quantum). In this series, we focus on how post-trade might look in this post-digital landscape.

Editorial

The humanitarian and Economic Toll from Global Warming: In Recognition of World Environment Day

In recognition of World Environment Day this month, it’s essential to reflect on the achievements and commitments made by both public and private organisations worldwide. For instance, Delta Capita recently attained EcoVadis Gold status, a testament to our dedication to sustainable business practices and to reducing our environmental footprint.

Editorial

The humanitarian and Economic Toll from Global Warming: In Recognition of World Environment Day

In recognition of World Environment Day this month, it’s essential to reflect on the achievements and commitments made by both public and private organisations worldwide. For instance, Delta Capita recently attained EcoVadis Gold status, a testament to our dedication to sustainable business practices and to reducing our environmental footprint.

Editorial

EU AML Package: A Landmark Change in the Fight Against Money Laundering

Following years of discussion, the European Commission finalised the European Union's anti-money laundering (AML) package in April, marking a significant legislative advancement. This initiative, part of an ambitious plan started in 2021, aims to enhance financial crime prevention and detection.

Editorial

EU AML Package: A Landmark Change in the Fight Against Money Laundering

Following years of discussion, the European Commission finalised the European Union's anti-money laundering (AML) package in April, marking a significant legislative advancement. This initiative, part of an ambitious plan started in 2021, aims to enhance financial crime prevention and detection.

Editorial

Exploring Retail Banking Trends: A review of Q1 2024 and our future projections

Explore the latest Q1 trends shaping retail banking, with insights from our expert team.

Editorial

Exploring Retail Banking Trends: A review of Q1 2024 and our future projections

Explore the latest Q1 trends shaping retail banking, with insights from our expert team.

Editorial

Unlocking Client Potential: Data Driven Strategies Shaping the Future of Finance

In a rapidly evolving financial landscape, organisations across the board – ranging from wealth management firms to retail and private banks, are intensifying their focus towards identifying and acquiring segments rich in potential, including High Net Worth (HNW) individuals, commercial entities, and broader consumer bases. This strategic shift emphasises the importance of expanding client bases and deepening relationships across diverse markets.

Editorial

Unlocking Client Potential: Data Driven Strategies Shaping the Future of Finance

In a rapidly evolving financial landscape, organisations across the board – ranging from wealth management firms to retail and private banks, are intensifying their focus towards identifying and acquiring segments rich in potential, including High Net Worth (HNW) individuals, commercial entities, and broader consumer bases. This strategic shift emphasises the importance of expanding client bases and deepening relationships across diverse markets.

Editorial

Unlocking Strategic Insights: Key Messaging from the Critical Third Parties (CTP) Regime

On March 21, 2024, HM Treasury (HMT) introduced a Policy Paper outlining its strategy for designating Critical Third Parties (CTPs) in the UK's financial services sector. This initiative addresses concerns about the sector's growing reliance on external third parties, which poses risks to systemic stability.

Editorial

Unlocking Strategic Insights: Key Messaging from the Critical Third Parties (CTP) Regime

On March 21, 2024, HM Treasury (HMT) introduced a Policy Paper outlining its strategy for designating Critical Third Parties (CTPs) in the UK's financial services sector. This initiative addresses concerns about the sector's growing reliance on external third parties, which poses risks to systemic stability.

Editorial

Women in Payments Panel Discussion: The New Frontier – ISO 20022 & AI

On 30th April, Supriya Dahiwelkar attended the Women in Payments EMEA conference and had the privilege of moderating the panel session 'The New Frontier: ISO 20022 and AI'. The panel comprised esteemed experts who shared their insights on this compelling topic. Joining her on the panel was Isabelle Bouille, Director and Principal Product Manager at BNY Mellon; Amanda Mickleburgh, Director of Product, Merchant Fraud at ACI Worldwide; and Egle Skomskyte, Senior Payments Expert at Swift.

Editorial

Women in Payments Panel Discussion: The New Frontier – ISO 20022 & AI

On 30th April, Supriya Dahiwelkar attended the Women in Payments EMEA conference and had the privilege of moderating the panel session 'The New Frontier: ISO 20022 and AI'. The panel comprised esteemed experts who shared their insights on this compelling topic. Joining her on the panel was Isabelle Bouille, Director and Principal Product Manager at BNY Mellon; Amanda Mickleburgh, Director of Product, Merchant Fraud at ACI Worldwide; and Egle Skomskyte, Senior Payments Expert at Swift.

Editorial

How T+1 will impact back office: anticipating a rise in email and chat queries

Everyone seems to be talking about T+1, but what is the true impact on your organisation? One thing we do know is that soon it will be necessary to automate aspects of the settlement workflow to reduce the impact and risk of the settlement cycle reduction in North American markets.

Editorial

How T+1 will impact back office: anticipating a rise in email and chat queries

Everyone seems to be talking about T+1, but what is the true impact on your organisation? One thing we do know is that soon it will be necessary to automate aspects of the settlement workflow to reduce the impact and risk of the settlement cycle reduction in North American markets.

Editorial

Simplifying Complex Financial Workflows: Streamlining Legacy Tools for Modern Efficiency

In the financial services world, the complexity of workflows can often become a significant barrier to productivity and user satisfaction. 

Editorial

Simplifying Complex Financial Workflows: Streamlining Legacy Tools for Modern Efficiency

In the financial services world, the complexity of workflows can often become a significant barrier to productivity and user satisfaction. 

Editorial

Wealth re-imagined: What the wealth management industry could look like in 2030

The wealth management sector is due to double in size to over $500 billion by 2030. This exponential growth provides extensive opportunities for wealth managers to set clear strategies and increase market share if they invest in establishing the right foundations. So what are the emerging trends as we move to 2030 and how can wealth managers prepare?

Editorial

Wealth re-imagined: What the wealth management industry could look like in 2030

The wealth management sector is due to double in size to over $500 billion by 2030. This exponential growth provides extensive opportunities for wealth managers to set clear strategies and increase market share if they invest in establishing the right foundations. So what are the emerging trends as we move to 2030 and how can wealth managers prepare?

Editorial

Moving towards Perpetual KYC (Know Your Client)

In the last of our navigating Client Lifecycle Management (CLM) series, Delta Capita considers the holistic and incremental benefits that have come from making improvements across the CLM customer journey. By making these enhancements we build a base for future ways of working, and the market goal of perpetual KYC.

Editorial

Moving towards Perpetual KYC (Know Your Client)

In the last of our navigating Client Lifecycle Management (CLM) series, Delta Capita considers the holistic and incremental benefits that have come from making improvements across the CLM customer journey. By making these enhancements we build a base for future ways of working, and the market goal of perpetual KYC.

Editorial

Navigating the Top 7 CIO Challenges in Investment Banks

In the ever-evolving landscape of investment banking and continued regulatory and cost pressure, Chief Information Officers (CIOs) play a pivotal role. 

Editorial

Navigating the Top 7 CIO Challenges in Investment Banks

In the ever-evolving landscape of investment banking and continued regulatory and cost pressure, Chief Information Officers (CIOs) play a pivotal role. 

Editorial

AML Warnings issued in FCA Dear CEO Letter

The Financial Conduct Authority (FCA) issued a Dear CEO letter to Annex 1 firms on 5th March 2024. This letter highlights common control failings identified in anti-money laundering (AML) frameworks within these firms.

Editorial

AML Warnings issued in FCA Dear CEO Letter

The Financial Conduct Authority (FCA) issued a Dear CEO letter to Annex 1 firms on 5th March 2024. This letter highlights common control failings identified in anti-money laundering (AML) frameworks within these firms.

Editorial

Operational Excellence with Client Due Diligence Function

While utilising technological advancements to enhance the Client Lifecycle Management (CLM) journey, organisations can simultaneously focus on Operational Excellence to enhance the holistic management of the Client Due Diligence, and related functions.

Editorial

Operational Excellence with Client Due Diligence Function

While utilising technological advancements to enhance the Client Lifecycle Management (CLM) journey, organisations can simultaneously focus on Operational Excellence to enhance the holistic management of the Client Due Diligence, and related functions.

Editorial

Navigating Regulatory Frontiers: Insights from JWG’s 8th Annual RegTech Conference

On 7th February Michael Robertson, UK Head of Consulting and Niamh Kingsley, Head of Product Innovation & AI attended JWG’s 8th Annual RegTech Conference. 

Editorial

Navigating Regulatory Frontiers: Insights from JWG’s 8th Annual RegTech Conference

On 7th February Michael Robertson, UK Head of Consulting and Niamh Kingsley, Head of Product Innovation & AI attended JWG’s 8th Annual RegTech Conference. 

Editorial

Optimising KYC Client Outreach for Compliance and Client Satisfaction

Further to the article we shared on “Enhancing client experience through digital outreach”, in this article we dive even deeper into which questions to ask clients, and when… supporting financial institutions to navigate this complex space.

Editorial

Optimising KYC Client Outreach for Compliance and Client Satisfaction

Further to the article we shared on “Enhancing client experience through digital outreach”, in this article we dive even deeper into which questions to ask clients, and when… supporting financial institutions to navigate this complex space.

Editorial

Financial Economic Crime/Client Lifecycle Management: Optimally Aggregating Publicly Sourced Data for Client Due Diligence (CDD)

Delta Capita has widespread experience in CDD data within Client Lifecycle Management (CLM). Leveraging this experience and our understanding of how our clients are tackling this topic, in this blog we will outline some of the key challenges and best practices.

Editorial

Financial Economic Crime/Client Lifecycle Management: Optimally Aggregating Publicly Sourced Data for Client Due Diligence (CDD)

Delta Capita has widespread experience in CDD data within Client Lifecycle Management (CLM). Leveraging this experience and our understanding of how our clients are tackling this topic, in this blog we will outline some of the key challenges and best practices.

Editorial

Principal Trading Firms: Impending FCA Review of Algorithmic Trading - Are You Ready?

In the UK, some cryptos and crypto derivatives are considered in scope under MiFID II by the FCA and the PRA. This comes with the backdrop of new EU and UK crypto legislation, which is progressing at pace.

Editorial

Principal Trading Firms: Impending FCA Review of Algorithmic Trading - Are You Ready?

In the UK, some cryptos and crypto derivatives are considered in scope under MiFID II by the FCA and the PRA. This comes with the backdrop of new EU and UK crypto legislation, which is progressing at pace.

Editorial

Connecting Component Parts of the End-to-End Journey

The digital transformation of the Client Lifecycle Management (CLM) processes has become vital to succeed in a rapidly evolving industry.

Editorial

Connecting Component Parts of the End-to-End Journey

The digital transformation of the Client Lifecycle Management (CLM) processes has become vital to succeed in a rapidly evolving industry.

Editorial

Unlocking Efficiency: The Transformative Power of Technology in Identity Verification and Validation

In today's dynamic business landscape, the demand for robust Identity Verification and Validation (ID&V) processes, closely associated with Know Your Customer (KYC) protocols, has reached unprecedented heights. 

Editorial

Unlocking Efficiency: The Transformative Power of Technology in Identity Verification and Validation

In today's dynamic business landscape, the demand for robust Identity Verification and Validation (ID&V) processes, closely associated with Know Your Customer (KYC) protocols, has reached unprecedented heights. 

Editorial

Navigating the Future: Top Fintech Trends for 2024 

In this blog, we will explore the top ten emerging fintech trends for 2024 that are set to redefine the landscape of the financial sector in the coming year. 

Editorial

Navigating the Future: Top Fintech Trends for 2024 

In this blog, we will explore the top ten emerging fintech trends for 2024 that are set to redefine the landscape of the financial sector in the coming year. 

Editorial

Case Study: Know Your Customer Remediation Programme

With increasing regulatory focus on Anti-money Laundering (AML) and Know Your Customer (KYC) processes, financial institutions are enhancing their KYC/AML frameworks, streamlining policies, adopting new tech for automation, and running large-scale programs to meet evolving global AML/CTF regulations.

Editorial

Case Study: Know Your Customer Remediation Programme

With increasing regulatory focus on Anti-money Laundering (AML) and Know Your Customer (KYC) processes, financial institutions are enhancing their KYC/AML frameworks, streamlining policies, adopting new tech for automation, and running large-scale programs to meet evolving global AML/CTF regulations.

Editorial

From CSDR to T+1: Re-Energising The Post Trade Efficiency Agenda

Though many firms are still grappling with the effects of CSDR, the financial industry stands at the edge of a significant transformation, driven by the impending shift from the current T+2 settlement cycle to a T+1 model. This change, while seemingly incremental, holds far-reaching implications for the way transactions are processed, risks are managed, and capital is utilised across the entire financial ecosystem.

Editorial

From CSDR to T+1: Re-Energising The Post Trade Efficiency Agenda

Though many firms are still grappling with the effects of CSDR, the financial industry stands at the edge of a significant transformation, driven by the impending shift from the current T+2 settlement cycle to a T+1 model. This change, while seemingly incremental, holds far-reaching implications for the way transactions are processed, risks are managed, and capital is utilised across the entire financial ecosystem.

Editorial

The Transformative Power of Agile Maturity Assessments

In today's rapidly evolving business landscape, agility is no longer a luxury; it's a necessity. Organisations striving to stay ahead in the market are turning to Agile methodologies to foster adaptability, collaboration, and innovation.

Editorial

The Transformative Power of Agile Maturity Assessments

In today's rapidly evolving business landscape, agility is no longer a luxury; it's a necessity. Organisations striving to stay ahead in the market are turning to Agile methodologies to foster adaptability, collaboration, and innovation.

Editorial

The Current Paradigm of AI In Financial Services, and Outcomes from The AI Safety Summit

The past quarter has seen a surge in artificial intelligence (AI) advancements that surpass the cumulative progress of the preceding two decades. 

Editorial

The Current Paradigm of AI In Financial Services, and Outcomes from The AI Safety Summit

The past quarter has seen a surge in artificial intelligence (AI) advancements that surpass the cumulative progress of the preceding two decades. 

Editorial

Historical Corrections Pre EMIR Refit: The Hidden Challenge

In the ever-evolving landscape of financial regulations, staying compliant is a constant challenge for firms. One such challenge is looming on the horizon with EMIR Refit, set to go live in 2024. The EMIR Refit brings with it a wave of changes and increased regulatory pressure, especially when it comes to correcting historical trades. This article explores the implications of EMIR Refit and the steps firms need to take to address historical corrections effectively.

Editorial

Historical Corrections Pre EMIR Refit: The Hidden Challenge

In the ever-evolving landscape of financial regulations, staying compliant is a constant challenge for firms. One such challenge is looming on the horizon with EMIR Refit, set to go live in 2024. The EMIR Refit brings with it a wave of changes and increased regulatory pressure, especially when it comes to correcting historical trades. This article explores the implications of EMIR Refit and the steps firms need to take to address historical corrections effectively.

Editorial

Delta Capita Is Now Great Place To Work Certified in India

India, October 2023 – Delta Capita has been Great Place To Work® Certified™ in India from October 2023 – October 2024. 

Editorial

Delta Capita Is Now Great Place To Work Certified in India

India, October 2023 – Delta Capita has been Great Place To Work® Certified™ in India from October 2023 – October 2024. 

Editorial

Een effectieve poortwachtersrol vraagt om de juiste bevoegdheden

Nu de wet ‘Plan van aanpak witwassen’ door de Tweede kamer controversieel is verklaard, zal de inhoudelijke behandeling van de wet tot na de verkiezingen van 22 november op zich laten wachten. Een gemiste kans om een stap vooruit te zetten in de strijd tegen witwassen en terrorisme financiering. Het wetsvoorstel ‘Plan van aanpak witwassen’ beoogt een nauwere samenwerking op het gebied van het delen van data en klantgegevens tussen financiële instellingen en is daarmee een belangrijke stap in het tegengaan van witwassen. De nieuwe aanpak zou daarmee de poortwachtersfunctie van de banken efficiënter en effectiever moeten maken. Redenen voor het controversieel verklaren van dit wetsvoorstel liggen onder andere in zorgen over de in de wet voorgestelde nieuwe bevoegdheden tot informatiedeling tussen banken en de privacy van klanten. Maar zijn deze zorgen wel terecht?

Editorial

Een effectieve poortwachtersrol vraagt om de juiste bevoegdheden

Nu de wet ‘Plan van aanpak witwassen’ door de Tweede kamer controversieel is verklaard, zal de inhoudelijke behandeling van de wet tot na de verkiezingen van 22 november op zich laten wachten. Een gemiste kans om een stap vooruit te zetten in de strijd tegen witwassen en terrorisme financiering. Het wetsvoorstel ‘Plan van aanpak witwassen’ beoogt een nauwere samenwerking op het gebied van het delen van data en klantgegevens tussen financiële instellingen en is daarmee een belangrijke stap in het tegengaan van witwassen. De nieuwe aanpak zou daarmee de poortwachtersfunctie van de banken efficiënter en effectiever moeten maken. Redenen voor het controversieel verklaren van dit wetsvoorstel liggen onder andere in zorgen over de in de wet voorgestelde nieuwe bevoegdheden tot informatiedeling tussen banken en de privacy van klanten. Maar zijn deze zorgen wel terecht?

Editorial

PSD3: An evolution of the EU payments framework and enabling Open Finance

On 28th June 2023, the European Commission announced the proposal for modernising payment services and opening financial services data with the aim of bringing payments and the larger financial sector into ‘the digital age’.

Editorial

PSD3: An evolution of the EU payments framework and enabling Open Finance

On 28th June 2023, the European Commission announced the proposal for modernising payment services and opening financial services data with the aim of bringing payments and the larger financial sector into ‘the digital age’.

Editorial

Delta Capita launches complete suite of Distributed Ledger solutions

Delta Capita’s MACH Distributed Ledger solution allows Financial Institutions to unlock the power of innovative technology across valuable opportunities for efficiencies, cost savings, improved regulatory compliance and enhanced security.

Editorial

Delta Capita launches complete suite of Distributed Ledger solutions

Delta Capita’s MACH Distributed Ledger solution allows Financial Institutions to unlock the power of innovative technology across valuable opportunities for efficiencies, cost savings, improved regulatory compliance and enhanced security.

Editorial

Delta Capita successfully becomes SOC 2 Certified

London, 9th October 2023 – Delta Capita has announced the successful completion of our System and Organisation Controls (SOC) 2 Type I attestation, for Security. This achievement reflects our commitment to the highest levels of data security. 

Editorial

Delta Capita successfully becomes SOC 2 Certified

London, 9th October 2023 – Delta Capita has announced the successful completion of our System and Organisation Controls (SOC) 2 Type I attestation, for Security. This achievement reflects our commitment to the highest levels of data security. 

Editorial

How can traditionally paper-based trade processes be ‘digitised’ in the future?

Trade documentation in the financial markets has evolved significantly since the days of sending Word documents via fax for a wet signature and boxes and boxes of paper documents stored in massive archives. Despite this, the market still has some way to go before we reach an optimal and market-wide solution.

Editorial

How can traditionally paper-based trade processes be ‘digitised’ in the future?

Trade documentation in the financial markets has evolved significantly since the days of sending Word documents via fax for a wet signature and boxes and boxes of paper documents stored in massive archives. Despite this, the market still has some way to go before we reach an optimal and market-wide solution.

Editorial

US Regulatory Capital Rules 2023: Impact and Implementation for Banks

It has been 15 years since the Global Financial Crisis reshaped the financial world. The failures of that crisis have informed global regulators, who are determined to prevent a repeat by setting new rules that standardise how banks calculate the amount of capital they need to hold to be viable and serve the economy and their clients. These new rules, often called Basel III or FRTB, are slowly being incorporated into national legislation across the globe. The US is the latest major country to issue its interpretation of the Basel III rules.

Editorial

US Regulatory Capital Rules 2023: Impact and Implementation for Banks

It has been 15 years since the Global Financial Crisis reshaped the financial world. The failures of that crisis have informed global regulators, who are determined to prevent a repeat by setting new rules that standardise how banks calculate the amount of capital they need to hold to be viable and serve the economy and their clients. These new rules, often called Basel III or FRTB, are slowly being incorporated into national legislation across the globe. The US is the latest major country to issue its interpretation of the Basel III rules.

Editorial

Reduce Your Team’s Digital Burden Without Sacrificing Client Experience

The growing burden of business communications has intensified as the lines between work and home have blurred in today’s flexible work environments. Constant communication can become overwhelming to manage, not only in financial services but in any operationally heavy industry. 

Editorial

Reduce Your Team’s Digital Burden Without Sacrificing Client Experience

The growing burden of business communications has intensified as the lines between work and home have blurred in today’s flexible work environments. Constant communication can become overwhelming to manage, not only in financial services but in any operationally heavy industry. 

Editorial

European Retail Investment Strategy

The European Commission adopted the Retail Investment Strategy (the “RIS”) on May 24, 2023, as part of its Capital Markets Union 2020 action plan. The proposed measures aim to enhance retail investors’ trust in the markets and help them achieve better investment outcomes.

Editorial

European Retail Investment Strategy

The European Commission adopted the Retail Investment Strategy (the “RIS”) on May 24, 2023, as part of its Capital Markets Union 2020 action plan. The proposed measures aim to enhance retail investors’ trust in the markets and help them achieve better investment outcomes.

Editorial

Consumer Duty – What’s Next

In previous blogs, our focus has been on the preparation required for Consumer Duty going live, including looking into the strategies that will set firms up for long-term success and delving into their monitoring and management information needs required for the future. However, after over a month since Consumer Duty went live, it is not time for firms to put their feet up yet.

Editorial

Consumer Duty – What’s Next

In previous blogs, our focus has been on the preparation required for Consumer Duty going live, including looking into the strategies that will set firms up for long-term success and delving into their monitoring and management information needs required for the future. However, after over a month since Consumer Duty went live, it is not time for firms to put their feet up yet.

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