Senior Managers and Certification Regime (SM&CR)

From senior managers to onboarding new advisers, are you confident as to your obligations? It can be tricky to understand how SM&CR applies in your firm. Choose us, and we’ll ensure you understand the rules and implement change successfully.

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Meeting the criteria

SM&CR applications are subject to ever-greater scrutiny, so any time invested before your application is well spent.

Our team has assisted with numerous senior management function (SMF) applications. The work starts well before the forms are completed to ensure that your candidate is best placed to be approved.

Our service

  • Straight-talking feedback on what the SM&CR really means for your business and why it matters

  • Help with the senior management regime and structuring your team’s responsibilities accordingly

  • Friendly advisers who understand the pressures you face and will give you much-needed reassurance

  • Support in implementing the certification regime among the relevant members of your team

  • Expert insight into the three distinct elements of the SM&CR and what each of them entail

  • An assessment of your “fit and proper” test and support in making any necessary tweaks

  • A deeper understanding of the scope and requirements of the updated regime’s conduct rules

  • Analysis of your training and competence scheme to ensure that it’s fit for purpose under SM&CR

What clients say

Kate Barnard

B-Compliant seem to have the balance just right for small financial advisers like us from a support and price point. They offer on-site visits or remote help, both of which are extremely helpful. Vicky and her team offer a no-nonsense approach to compliance where what you see is what you get. Perfect!
Debbie Jukes

B-Compliant has delivered everything that we expected, and then some – even at short notice. I feel that they have our best interests at heart, and I have complete confidence in the guidance they provide. They have a flexible approach and a great work ethic.
William Stevenson

What we want from a compliance consultant is threefold: to keep our compliance programme both up to date and (more importantly) effective, to offer solutions and not point out problems, and, yes, to be fairly priced! We get all three from B-Compliant.
David Bashforth

It’s early days in our relationship with Vicky and B-Compliant, but my business partners and I have so far been very impressed with the service and technical knowledge provided. For the first time in a long time, we can see compliance in a more positive light, as a tool to improve our business as a whole.


of clients believe working with us has helped or will help them to achieve their compliance objectives


of clients would recommend us to other firms or connections


of clients are very satisfied that we understand their regulatory requirements

Your questions, answered

The scope of the SM&CR is greater than previous comparable regimes, so you need the right support team in place to ensure nothing slips through the cracks. Find out more about our approach below.

View all FAQs
Can’t I just follow a pre-existing template?

You could and our document library has some useful examples. But the support you receive from us is completely tailored to the individual needs of you and your business.

Is the advice I get from you as up to date as possible?

Always. As proud and active members of the Association of Professional Compliance Consultants, we attend regular training and education sessions to stay abreast of all the latest FCA developments.

Will you only help businesses in the north-west?

Not at all. Although we are based in Manchester, we’re completely remote and have consultants across the UK. Whatever questions you have about SM&CR, our team is available to help.

Sally Collie
Sally Collie
Always receive excellent service from Vicky and her team at B-Compliant, they are a very knowledgeable team and make a point of knowing our business inside out in order to give us a high standard of support.
Richard White
Richard White
I approached B-Compliant regarding helping us with our FCA application for an VoP Permissions application, right away I new that we had contacted the right people. Their attitude and positive approach was fantastic. Maria Fox-Leonard was fully informed in helping us prepare our responses back to the FCA and Jeremy Smith helped with his knowledgeable insight into the FCA and how to ask the right questions. We have now successfully received out VOP permissions and I would definitely recommend them to others.
Jonathan Smith
Jonathan Smith
Having worked with B-Compliant Ltd for the past 2 years. Vicky, Simon and Annabel have changed not only our business outlook, but also our attitude toward compliance! Their positive, proactive approach has helped us immeasurably in understanding the complexities of the FCA and regulation. They are always available with answers in plain English and more importantly, solutions! Thank you
Asmus Ohle
Asmus Ohle
We have worked with Jeremy and his team for the last four years. They initially guided us through the FCA application process and since approval have provided us with compliance advice. They set out the to dos very clearly, communicate efficiently and ensure that all deadlines are met. They also make sure that we understand what is required from us as a newly regulated firm and explain everything in detail and in a way that we understand it. I would definitely recommend them.
jacqui davidson-slack
jacqui davidson-slack
I met Vicky through a professional organisation and instantly established how knowledgeable and experienced she is in relation to compliance. Given the importance of this function within a regulated firm, Vicky provided me with some initial guidance without commitment or cost. I established that the service proposition could be tailored to exactly what I needed. Without exception staff and management have been extremely supportive and held my hand through a highly legislative process. I feel save in the hands of B-Compliant. Top Class Service. First Class Knowledge. Took all the worry from me and i now feel safe in their care. For a highly personalised service which is truly value for what is spent, you really do need to speak to Vicky and her team. Thank you !
David Brown
David Brown
I would recommend B-Compliant to any financial adviser looking for compliance support and help with their business
Alan Whittle
Alan Whittle
Fantastic FCA compliance consultancy. Very friendly, expert staff. Would highly recommend.

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