Expert Resourcing for Specialist Functions in Financial Services.

For over 15 years we’ve helped build Financial Crime, Fraud, Cyber, Information and Payments capability and capacity. We provide the experts needed to run operations and drive change, whether organisational, regulatory, or technological.

Our Client Relationship Managers work diligently with a broad range of financial services providers – from challenger banks and early stage fintechs to major household names in banking and insurance. Our Resourcing Team leverages a close network of Known and Trusted specialist Associates. This, combined with in-house industry and subject matter expertise, ensures we deliver the right people solution bespoke to requirements.

Whether you need a single high calibre permanent Executive, to rapidly deploy a team of 25 interim Analysts, or resource an entire Transformation Programme, Adams + Oliver can deliver. We have the expertise, experience, contacts and Associates to quickly and effectively fulfil your requirements.

Aqua Global, headquartered in London,  have been supporting financial institutions globally for nearly 40 years.

Our new web based solution, Aquila, can be deployed quickly and easily in the cloud or on premise.

Aquila provides native SWIFT MT/MX messaging & transformation; including automated payments processing, reconciliations, message matching, duplicate message detection & much more.

Please visit us on Stand 22 to see a live demonstration and learn about our services.

AutoRek is a leading provider of automated reconciliation software. We’ve been revolutionizing finance operations and controls for the global financial sector since 1994.

Our solutions are purpose-built to reduce operating costs, achieve regulatory compliance and help firms get in control of their data.

AutoRek is the go-to end-to-end reconciliation platform for some of the largest firms in the global payments sector, including GoCardless and Worldpay. Our solution is specifically designed to help overcome the most complex challenges in managing reconciliations, financial data management and reporting requirements.

With AutoRek, your firm can:

· Save time, reduce costs and increase overall efficiency with automated reconciliations

· Take control of your data with accurate and actionable MI

· Eliminate manual processes to focus on value-add tasks

· Improve month-end timelines to meet deadlines

· Comply with safeguarding rules and avoid penalties

· Mitigate financial and operational risk, ensuring profitability

www.autorek.com

Clear Junction is a global payments solutions provider. We power financial companies, enabling them to capture and connect to new opportunities by accessing the tools, networks and knowledge they need.

Our team has years of experience in the payments space and extensive knowledge of risk and compliance. That, coupled with our proprietary technology, helps empower businesses to realise potential in the areas traditional service providers can’t or aren’t willing to unlock.

Clear Junction Ltd. is authorised by the FCA under the Electronic Money Regulations 2011, firm reference 900684

CLOWD9 Ltd. is world’s first cloud native, decentralized payments processing platform. Born in the cloud, the platform delivers uncompromising, limitless payments technology around the globe.

Founded in the UK by authoritative payments experts and advised by finance executives and entrepreneurs, CLOWD9 processes payments for traditional banks, neo banks and fintechs. Its platform architecture is global by design, allowing it to scale at speed, quickly establish in new markets and service regional payment preferences across traditional card, bank transfers, QR codes, biometrics or cryptocurrency.

Founded in 2003, Compliancy Services is one of the UK’s leading compliance consultancies that provides assistance with authorisation, ongoing consulting, online training and prudential services. We employ over 60 staff who work together in industry specialist teams, servicing over 800 clients from the following sectors: banking, capital markets (including hedge funds, private equity, asset management, wealth management, corporate finance and broking), payment services, consumer credit, insurance and lending.

With increasingly complex regulation, businesses are seeking multi-sector specialist partners more than ever to guide them through all aspects of their compliance journey. Our wide range of financial sector experts come together on a regular basis to discuss their interactions with the Regulator and the regulatory trends that they are seeing. This provides us with a more informed understanding of the FCA than our competitors, ensuring that we offer our clients solutions that are most appropriate to their needs. Compliance is our passion and, after merging with Portman Compliance, we are in a better position than ever before to build an industry leading business that offers clients first class consultancy with a finger on the pulse of constantly evolving regulation.

ConnexPay is the first and only company to bring together the two sides of the payment process—payments acceptance and virtual payments issuing—into a single platform with one contract and one reconciliation. The flexibility of this technology allows clients to adopt the full end-to-end acquiring and issuing solution or leverage ConnexPay’s innovative intelligent routing issuing-only platform. Through innovative and patent-pending payments technology, ConnexPay provides reduced payments risk, a new source of revenue, automated reconciliation, and guaranteed lower merchant processing fees—all while avoiding large lines of credit or prepayments. Founded in 2017, ConnexPay is a leading payments provider for travel agencies and brokers, ecommerce providers, online marketplaces, and more.

We are DECTA – a global payment processing company, experts in FinTech.

We provide a complete range of digital payment services designed with the needs of Merchants, Banks, and Payment Service Providers in mind. Used by 2000+ companies across 32 countries, our solutions include:

• Payment Acquiring Services
• BIN Sponsorship and White Label Card Issuing
• White label Payment Gateway
• Issuer and Acquirer Processing

For more information please go to www.decta.com.

Powered by a team of CX and FinTech enthusiasts, we transform customer experiences globally.

Dialect is a niche BPO which provides a multilingual Customer Experience (CX) solution designed and delivered with FinTech businesses at the heart.  We are an extension of your business offering 24/7, 365 days a year dedicated customer support in a number of different languages.

Dialect’s service offerings are aligned to our visions and values– deliver innovative solutions for our clients via voice, e-mail, live chat, Facebook, and WhatsApp.

Our live chat solution, MultiLect, is providing high-quality native conversations in over 75 languages. It can be easily embedded in the app or web.

Dialect already supports clients and their customers in the UK, Europe, the US, and UAE with a wide range of inquiries including lost and stolen, account and card activation, transactions, and general usage queries.

We support you in focussing on growing your business while we handle your customer support needs. Let us tell you how outsourcing your contact centre can benefit your business, and improve your customer experience and brand.

DIGISEQ provides an end-to-end service that securely delivers data into everyday wearables. We enable almost anything – from rings to bracelets – to have NFC payment, access control, product provenance, digital identity and user engagement functionality and more… We offer businesses an all-in-one solution for entering the wearable technology market. Our award-winning digital platform empowers businesses by allowing them to tap on our existing infrastructure, ecosystem of partners, hardware and security systems to create wearable technology. We are the pioneers of the wearable payments industry and aim to revolutionize the wearable and IoT market.

Dukascopy Bank is a Swiss innovative bank providing Safeguarding and Settlement accounts in 22 currencies to financial institutions globally with the help of our Open Banking APIs. We have developed our products over many years to meet the market requirements with utmost transparency and compliance. Understanding Client needs is our priority and meeting their expectations is crucial. The bank strictly follows the rules ensuring the safest possible environment for its clients in accordance with the Swiss Banking traditions.

B2BinPay is the industry’s #1 crypto processing solution that enables you to Accept, Store, Receive, Send and Exchange crypto payments.

B2BinPay is designed to fulfill all the crypto needs of Merchant and Enterprise clients with a range of benefits that are not available with traditional payment methods, such as low processing fees, real-time balance/transaction history, downloadable reports, secure checkout and much more.

Financial House Limited is an electronic money institution focused on banking and payment infrastructure. Financial House Limited offers e-money infrastructure, white-label banking to FinTech companies, e-money agents.

Flagright protects financial institutions from financial crime with risk-based & real-time transaction monitoring, case management, sanctions screening, and ID verification products. It’s a holistic infrastructure solution to stop fraud, money laundering, and terrorism financing.

GUAVAPAY is a global payment platform that is designed to drive optimisation and stability. GUAVAPAY’s full-stack payment ecosystem includes a range of technology products and solutions, such as a Payments-as-a-Service platform, card processing, cross-border payments, merchant acquiring, card issuing and e-wallet.

Our modular structure empowers our customers with the flexibility to incorporate multiple payment and processing solutions into one platform. Whatever our customers’ needs are, our breakthrough platform can help them with integration, processing and transacting globally.

We aim to take our place on the forefront of payment disruption bringing on the market innovative solutions for flawless and invisible payments.

We’re active participants in several international payment networks, including BACS, CHAPS, SEPA, SWIFT and the Faster Payments Service, enabling us to secure efficient and fully compliant global payments. As principal members of Mastercard, Visa and UnionPay International as well, we offer our customers a combination of payment scheme opportunities, with cutting-edge technology that can be used by our partners to process, provide and make payments globally.

With head office in London, GUAVAPAY continuous expansion comprise of subsidiaries in USA, Canada, Lithuania, Turkey, Singapore, Spain and Mexico.

ID-Pal is an award-winning identity verification and AML screening solution that enables payment providers to seamlessly verify identities and addresses in real time. Offering a unique blend of industry-leading biometric, document and database checks it can streamline AML and KYC in one GDPR-compliant solution.

ISO 27001 certified, it is available out-of-the-box, as an API/SDK and also as a Salesforce AppExchange integration. The technology is also government-certified for the UK Digital Identity & Attributes Trust Framework (UKDIATF). Our Passive Liveness software is iBeta Level 1 and Level 2 quality assured as part of maintaining our data protection and information security excellence.

ID-Pal offers global identity verification coverage of more than 6000 identity documents and 200 verified address data sources to organisations across 200 countries and jurisdictions. Users enjoy a friction-free onboarding experience via a business-branded app that is customisable in one click to the regulatory needs of varying business sites and geographies. Automated decisioning and smart workflows deliver operational efficiencies for merchants and payment providers along with a robust audit trail.

Offering the highest-quality outcomes and the largest databases against which documents are checked, payment providers benefit from accuracy and real-time decision-making to onboard customers seamlessly, combined with a lower cost of ownership for their organisation.

ID-Pal is a complete end-to-end identity verification solution delivering digital transformation and compliance, out-of-the-box.  ID-Pal can be fully branded and customised in seconds and deployed into a front-end user experience and back-office business process same day.

Jumio helps you know, then trust your customers online. From account opening to ongoing monitoring, the Jumio KYX Platform provides advanced identity proofing, risk assessment and compliance solutions to accurately establish, maintain and reassert trust.

Leveraging advanced technology including automation, biometrics, AI/machine learning, liveness detection and no-code orchestration with hundreds of data sources, Jumio helps organizations fight fraud and financial crime, onboard good customers faster and meet regulatory compliance including KYC and AML. Jumio has processed more than 1 billion transactions spanning over 200 countries and territories from real-time web and mobile transactions.

Based in Palo Alto, Jumio operates globally with offices in North America, Latin America, Europe, Asia Pacific and the Middle East and has been the recipient of numerous awards for innovation. Jumio is backed by Centana Growth Partners, Great Hill Partners and Millennium Technology Value Partners.

For more information, please visit jumio.com.

KYP is a real-time third-party risk intelligence platform that delivers a complete picture of the partners a business relies upon. KYP was formed by Alan Nagle after recognising that current due diligence providers were not solving the problem of identifying the risks involved in transacting with non-banking partners.

Products available in the market were solely focused on-boarding and transactional monitoring and not the ongoing fraud and reputational risks that the current Open and Connected World can create; this resulted in the use of multiple platforms and resources to gain as much information as possible.

At KYP we take a holistic approach to Knowing Your Partner and mine a complete range of broad and trusted data sources with our unique Machine Learning and AI – intelligently connecting them in one platform resulting in connections other solutions are missing.

For more than 50 years, Mastercard has pioneered technology to make payments simpler, smarter and safer. We work to connect and power an inclusive digital economy that benefits everyone, everywhere by making transactions safe, simple, smart and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments and businesses realize their greatest potential. Our decency quotient, or DQ, drives our culture and everything we do inside and outside of our company. Find out more by clicking here.

Let’s change the way people pay

Payment solutions designed for business success.
Combining expert guidance and fit-for-purpose technology to make your product ideas a reality.

Numeral is the banking aggregation platform, providing payment institutions, electronic money institutions and banks with a fast, future-proof and cost-effective access to SEPA, Bacs, and FPS through their banking partners. Numeral banking aggregation platform optimises financial institution’s payment operations by automating bank payment processing through a single API and a central dashboard. From embedded lending to instant payments, Numeral provides the payment infrastructure for European fintech trailblazers like Swile, Spendesk, and Alma. Founded in 2021, Numeral has raised €13 million from leading investors, including Balderton Capital, eFounders, and 30 angel investors.

Payco is a Swiss based digital solutions provider for cross-border payments, providing secure and convenient services for individuals and businesses. Our team is made up of experienced professionals with a passion for innovation and customer satisfaction.

At Payco, our vision is to revolutionize the way that individuals and businesses conduct cross-border payments, making it easier and more secure for everyone. Our mission is to provide the best possible service to our customers, using innovative technology and a commitment to customer satisfaction. Our objectives include expanding our reach globally, increasing customer satisfaction, and continually improving our products and services. Our goals are to become the leading provider of cross-border payment solutions and to help individuals and businesses around the world conduct their transactions with ease and confidence.

We know that for today’s brands to succeed, they must clearly define and communicate their purpose at every opportunity. We also know that even the greatest strategy needs original creative ideas and flawless execution.

To solve problems for businesses, universities, charities and other organisations around the world by creating breakthroughs in brand differentiation and narrative. We do this by employing our unique methodology – futurethinking.

A global ecosystem of talent and technology

We’re the global specialist in financial transactions – the way the world moves value across borders, through cities and over seas. We keep funds flowing, supply chains moving and the world’s economies turning. No other organisation can address the scale, precision and trust that this demands.

We’re unique too: a neutral cooperative established to provide a safe, secure and reliable way for the financial community to send transactions across borders. We’re always striving to be better and are constantly evolving in an ever-changing landscape. We innovate tirelessly, test exhaustively, then implement fast. In a connected and challenging era, our mission has never been more relevant.

• Tag Systems UK are the leading card providers globally for Fintech Banks.
• A truly global presence with: 18 Sales offices, 9 Personalisation Bureaus and 8 Production Plants worldwide.
• Experts in the Metal card market with an extensive range of metal card offerings.
• Pioneers in the field of Biometric cards, our sales team can give you guidance on our range of Biometric products.
• Card manufacturing specialist synonymous with the fastest lead-times and highest service levels in the industry on PVC, Metal and Biometric cards.
• We also have a innovative range of wearable products.
• Providing the very best quality Fulfilment & Secure Packaging services.
• Our experienced logistics team exports daily to over 140 countries worldwide.
• Carbon Neutral offering a wide range of market-leading sustainable options, paperboard cards and packaging.
• Operating a 120,000 sq. ft. Visa and MasterCard secure facility in Lancashire, we hold the ISO 27001 security stamp.

tell.money is the market-leading open banking SaaS platform, enabling account providers to meet and keep to their regulatory obligations, whilst bringing exciting new open banking tools to their customers. Since inception, we have been actively involved in fuelling financial development through our subscription-based tell.gateway product aimed at accelerating open banking adoption and helping fintechs, neobanks, and account providers to launch PSD2 compliant propositions to market faster. Our tell.heartbeat product supports banks and larger financial institutions in their efforts to test, monitor and improve the resilience of their open banking APIs. Through our tell.life innovation lab and accelerator programme, tell.money continues to break new ground with tools enabling consumers and businesses to understand and manage their financial lives in simple and intuitive ways.

The Kingdom Bank is an International Crypto-Friendly Fintech Bank based in the Commonwealth of Dominica. Our award-winning bank proudly offers tailor-made, secure, next-generation digital banking services to international customers. The Kingdom Bank provides corporate and correspondence banking services, competitive FX rates, and local and global payments in over 50 currencies. The Kingdom Bank delivers lower-cost and speedier cross-border trade, challenging traditional payment methods by allowing you to send and receive compatible crypto to other businesses and easily make B2B, SEPA, or SWIFT payments from wherever you are.

Thistle Initiatives, part of the Thistle Group, is a multi-award-winning compliance consultancy, providing advice and support to regulated and unregulated firms both internationally and across the UK.

Since launching in 2012 we have become one of the largest members of the APCC and proudly supported over 1000 firms to become FCA authorised.

Our 70+ team of financial industry specialists, compliance officers, ex regulators and lawyers is dedicated to providing support with FCA Authorisations, Acquisition Due Diligence, Audits, Supervision and Enforcement and ongoing compliance advice and support, to sectors including Investments, Payment Services, Credit, Mortgages, Digital Assets and General Insurance.

With a strong focus on financial crime compliance, we support firms to navigate the complexities of financial crime regulations, including anti-money laundering, anti-bribery, counterterrorism and tax evasion.

We are guided by a principle to be much more than a compliance consultancy, our philosophy of providing a world-class service and hands-on approach, with problem-solving and a commercial focus, means we strive to be trusted by the regulator and our clients alike.

For more information, please visit thistleinitiatives.co.uk, email info@thistleinitiatives.co.uk or call 0207 436 0630.

Thredd is the trusted next-gen payments processing partner for innovators looking to modernise their payments offerings worldwide. We process billions of debit, prepaid and credit transactions annually, serving over 100 fintechs, digital banks, and embedded finance providers, from consumer to corporate, across 44 countries.

Thredd’s unique offering is its client-centric approach combining hands-on support with modern, reliable, and scalable technology. Thredd’s assured solution accelerates the development and delivery of consumer and corporate payments components embedded within digital banks, as well as for expense management, B2B payments, crypto, lending, credit, Buy Now Pay Later (“BNPL”), FX, remittance, and open banking innovators.  By partnering with our clients from concept to creation with our easily configurable solutions, we allow these leaders the agility to achieve their core business aspirations.

Thredd has enabled market leaders since 2007 and has a highly reliable platform with 99.99% availability. Thredd’s highly customisable solutions on our API-first platform, surrounded by our in-depth industry expertise, value added services, global presence and technical resilience, are designed to scale with ease. Thredd is certified by Visa and Mastercard to process transactions globally.

The company has branded offices in London, Newcastle, Singapore, and Sydney, with remote colleagues based all over the world.

Tietoevry Banking is the market leading financial services software and solution partner in the Nordics, UK and Ireland, serving around 250 banks and fintechs.

We are your one-stop-shop partner for card issuing, payment processing, card production and personalization. Tietoevry Banking provides secure, compliant, scalable and sustainable services that meet the needs of established traditional banks and fintechs alike.

As a card production and personalization partner, we also work with BIN sponsors and other processors. Our strategic cooperation with the world’s leading card manufacturers enables our customers to access all the latest card innovations and card materials.

Trust Payments is a disruptive leader in fintech, providing on-demand Payments and Banking-as-a-Service services to help businesses grow and scale online, in-store, and on mobile.

Trust Payments combines these services with powerful tools, such as loyalty management and instant eCommerce, engaging new innovative payments methods in crypto and bank transfers to drive Converged Commerce™.

Focusing on the SME sector in the UK, EU and US, Trust Payments drives value for our clients through personalised service, secure and frictionless payments and innovative products.

Trust Payments has a global footprint, with over 400 people across 10 offices supporting the most demanding business sectors, from travel and hospitality to crypto, gaming and financial services, and an acquiring network of over 50 global banks and hundreds of alternative payment methods.

Trust Payments holds Visa and Mastercard Principal Memberships in the EU for cross-border business, licenced by both the Malta Financial Services Authority and UK Financial Conduct Authority, and holds licences in 7 US States to carry out regulated payments in gaming.

Find out more at trustpayments.com.

Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories. Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive. We believe that economies that include everyone everywhere, uplift everyone everywhere and see access as foundational to the future of money movement. Learn more at Visa.com.

Wallester is an innovative Estonian payment institution offering state-of-the-art payment solutions for businesses of all sizes and industries. With Wallester, you can create branded Visa cards and access comprehensive services such as:

• Custom Visa Cards
• Easy-to-use REST API
• Back office portal
• 3DS whitelisting
• Mobile App & XPays
• BIN Sponsorship
• KYC & KYB AML
• Fraud Monitoring

Wallester offers two leading solutions to meet your business needs:

– Wallester Business: A solution to manage your company’s finances easily and efficiently. You can issue corporate Visa cards to your employees, set spending limits and rules via an easy-to-use REST API and 3DS whitelisting, track spending and transactions, and access real-time reports and analytics. You can also use the Wallester mobile app for on-the-go card management.

– Wallester White Label: A solution for launching customised co-branded payment products with minimal time and effort. You can customise the design and functionality of Visa cards, easily integrate them with your existing systems and platforms, and offer them to your customers or partners. You can also use Wallester’s REST API to create innovative use cases and applications.

For more information, please visit our website: wallester.com