--- title: Operational Resilience Consulting | FourthLine description: FourthLine delivers regulator-ready operational resilience programmes for mid-tier UK financial services firms. FCA,PRA,DORA.Senior-led.Fixed fee Evidence. --- [![logo](https://www.thefourthline.co.uk/hubfs/logo.svg) ![logo](https://www.thefourthline.co.uk/hubfs/logo.svg)](https://www.thefourthline.co.uk) [![logo](https://www.thefourthline.co.uk/hubfs/logo.svg)](https://www.thefourthline.co.uk) - [About](https://www.thefourthline.co.uk/javascript;?hsLang=en) - [About](https://www.thefourthline.co.uk/about?hsLang=en) - [Insights](https://www.thefourthline.co.uk/blog?hsLang=en) - [Contact](https://www.thefourthline.co.uk/contact?hsLang=en) - [Solutions](https://www.thefourthline.co.uk/javascript;?hsLang=en) - [What we do](https://www.thefourthline.co.uk/solutions/what-we-do?hsLang=en) - [Operational Resilience & BCM](https://www.thefourthline.co.uk/solutions/operational-resilience-bcm?hsLang=en) - [Third Party Risk Management](https://www.thefourthline.co.uk/solutions/third-party-risk-management?hsLang=en) - [ICT & Technology Resilience](https://www.thefourthline.co.uk/solutions/ict-technology-resilience?hsLang=en) - [Cyber Resilience](https://www.thefourthline.co.uk/solutions/cyber-resilience?hsLang=en) - [How We Work](https://www.thefourthline.co.uk/javascript;?hsLang=en) - [Diagnostic Assessment](https://www.thefourthline.co.uk/how-we-work/diagnostic-assessment?hsLang=en) - [Annual Resilience Retainer](https://www.thefourthline.co.uk/how-we-work/annual-resilience-retainer?hsLang=en) - [Managed Services](https://www.thefourthline.co.uk/how-we-work/managed-services?hsLang=en) - [Sectors](https://www.thefourthline.co.uk/javascript;?hsLang=en) - [Insurance](https://www.thefourthline.co.uk/sectors/insurance?hsLang=en) - [Banking](https://www.thefourthline.co.uk/sectors/banking?hsLang=en) - [Investment Management](https://www.thefourthline.co.uk/sectors/investment-management?hsLang=en) - [About](https://www.thefourthline.co.uk/javascript;?hsLang=en) - [About](https://www.thefourthline.co.uk/about?hsLang=en) - [Insights](https://www.thefourthline.co.uk/blog?hsLang=en) - [Contact](https://www.thefourthline.co.uk/contact?hsLang=en) - [Solutions](https://www.thefourthline.co.uk/javascript;?hsLang=en) - [What we do](https://www.thefourthline.co.uk/solutions/what-we-do?hsLang=en) - [Operational Resilience & BCM](https://www.thefourthline.co.uk/solutions/operational-resilience-bcm?hsLang=en) - [Third Party Risk Management](https://www.thefourthline.co.uk/solutions/third-party-risk-management?hsLang=en) - [ICT & Technology Resilience](https://www.thefourthline.co.uk/solutions/ict-technology-resilience?hsLang=en) - [Cyber Resilience](https://www.thefourthline.co.uk/solutions/cyber-resilience?hsLang=en) - [How We Work](https://www.thefourthline.co.uk/javascript;?hsLang=en) - [Diagnostic Assessment](https://www.thefourthline.co.uk/how-we-work/diagnostic-assessment?hsLang=en) - [Annual Resilience Retainer](https://www.thefourthline.co.uk/how-we-work/annual-resilience-retainer?hsLang=en) - [Managed Services](https://www.thefourthline.co.uk/how-we-work/managed-services?hsLang=en) - [Sectors](https://www.thefourthline.co.uk/javascript;?hsLang=en) - [Insurance](https://www.thefourthline.co.uk/sectors/insurance?hsLang=en) - [Banking](https://www.thefourthline.co.uk/sectors/banking?hsLang=en) - [Investment Management](https://www.thefourthline.co.uk/sectors/investment-management?hsLang=en) Book a 30-Minute Briefing ###### SPECIALIST OPERATIONAL RESILIENCE | UK FINANCIAL SERVICES | FCA · PRA · DORA # Regulator-Ready Operational Resilience for Mid-Tier UK Financial Services We build the resilience evidence that survives FCA and PRA supervisory scrutiny - not just the policies that satisfy internal governance.  PRA SS1/21. FCA SYSC 15A. DORA. Senior-led. Fixed fee.  Book a 30-Minute Regulatory Briefing [Start with Our Diagnostic Assessment](https://www.thefourthline.co.uk/how-we-work/diagnostic-assessment?hsLang=en) ## We work with mid-tier firms across three regulated sectors ![insurance](https://www.thefourthline.co.uk/hubfs/insurance.svg) ### Insurance PRA dual-regulated insurers, Lloyd's syndicates, MGAs and specialist insurers.  PRA SS1/21 and FCA SYSC 15A obligations. [See Insurance sector](https://www.thefourthline.co.uk/sectors/insurance?hsLang=en) ![banking](https://www.thefourthline.co.uk/hubfs/banking.svg) ### Banking PRA and FCA-regulated challenger banks, specialist banks, and deposit-takers. PRA SS1/21 and DORA obligations. [See Banking sector](https://www.thefourthline.co.uk/sectors/banking?hsLang=en) ![investment](https://www.thefourthline.co.uk/hubfs/investment.svg) ### Investment Management FCA-regulated investment managers, discretionary wealth managers, fund administrators, and platform operators. FCA SYSC 15A obligations. [See Investment sector](https://www.thefourthline.co.uk/sectors/investment-management?hsLang=en) ## Big Four-standard resilience evidence. Without the Big Four price tag or the junior delivery model ### SENIOR DELIVERY Every engagement is led and delivered by senior practitioners. Not oversight. Not supervision. | Ref: Kieran Maplesden, Founder & MD, 17+ years FS delivery  ### SPECIALIST FOCUS We work only in financial services operational resilience. Not generalist risk consulting adapted to fit. Purpose-built methodology for Mid Tier FCA and PRA-regulated firms. ### PROPORTIONATE COST Diagnostic Assessments from £15k–£25k. Annual Resilience Retainers from £60k–£90k p.a. No hidden scope creep. Fixed-fee delivery. ## How a FourthLine engagement works ### Diagnostic Assessment Where to start. A structured 4–6 week assessment of your operational resilience programme against FCA/PRA requirements. Identifies gaps. Produces a board-ready evidence pack. Defines your remediation roadmap.  Regulatory driver: PRA SS1/21, FCA SYSC 15A  **Fee: £15k–£25k** [Start with a Diagnostic](https://www.thefourthline.co.uk/how-we-work/diagnostic-assessment?hsLang=en) ### Annual Resilience Retainer Resilience as a Service. Twelve months of senior-led delivery: IBS mapping, scenario testing, regulatory intelligence, quarterly board reporting, and supervisory preparation - embedded in your firm. Regulatory driver: PRA SS1/21, FCA SYSC 15A  **Fee: £60-90k** [Explore the Retainer](https://www.thefourthline.co.uk/how-we-work/annual-resilience-retainer?hsLang=en) ### Supplier Exit Testing Prove your exit plans work under real conditions. FCA and DORA require tested — not documented - exit capability. Our managed service designs, executes, and evidences your supplier exit testing programme  Regulatory driver: DORA Article 28 | PRA SS2/21 **Fee: £15k–£100k** [See Managed Service](https://www.thefourthline.co.uk/how-we-work/managed-services?hsLang=en) ## SENIOR CERTIFIED RESILIENCE PRACTITIONERS. INDUSTRY ALIGNED. EVIDENCED OUTCOMES. ## 17+ Years delivering operational resilience in UK financial services ## £60- 90k p.a Average retainer value ## 3 Regulatory frameworks: PRA SS1/21, FCA SYSC 15A, DORA ## 30+ Client Deliveries including - Arch Insurance, Foresters Financial, Chetwood Financial, Hampden & Co, Ruffer Investment, Interactive Investor, Novia Financial ## Working With Leading Organisations ![foresters1](https://www.thefourthline.co.uk/hubfs/foresters1.svg) ##### Insurance Foresters Financial is a specialist financial services firm offering protection and savings products to UK members. FourthLine delivered a full operational resilience programme — IBS mapping, impact tolerance setting, and a board-ready evidence pack — ahead of the March 2025 PRA and FCA deadline.  ![interactive1](https://www.thefourthline.co.uk/hubfs/interactive1.svg) ##### Investment Platform Interactive Investor is the UK's second-largest investment platform, serving over 400,000 customers. FourthLine delivered an FCA SYSC 15A aligned operational resilience programme - IBS mapping, scenario testing, and a board-ready evidence pack meeting the FCA supervisory standard.  ![monmouthshire1](https://www.thefourthline.co.uk/hubfs/monmouthshire1.svg) ##### Building Society Monmouthshire Building Society is a Welsh mutual lender regulated by the FCA and PRA. FourthLine delivered an operational resilience programme covering Important Business Service identification, end-to-end dependency mapping, and scenario testing to PRA SS1/21 standard.  ![novia1](https://www.thefourthline.co.uk/hubfs/novia1.svg) ##### Investment Platform Novia Financial is a UK investment platform and wrap service provider regulated by the FCA. FourthLine delivered an operational resilience programme covering Important Business Service identification, dependency mapping, and scenario testing aligned to FCA SYSC 15A requirements.  ![ruffer1](https://www.thefourthline.co.uk/hubfs/ruffer1.svg) ##### Investment Management Ruffer Investment is a London-based investment manager overseeing multi-asset portfolios for institutional and private clients. FourthLine delivered an operational resilience programme covering Important Business Service identification, dependency mapping, and scenario testing aligned to FCA SYSC 15A requirements.  ![planet1](https://www.thefourthline.co.uk/hubfs/planet1.svg) ##### Payments Planet Payment is a specialist payments firm regulated by the FCA. FourthLine delivered an operational continuity and wind-down planning programme, ensuring the firm maintained robust recovery capability and met FCA requirements for orderly wind-down in the event of firm failure.  The firm entered its PRA supervisory meeting with a complete, evidenced operational resilience programme. The board evidence pack provided the regulator with the documentary record it requested on day one of the review. Head of Business Services, Challenger Bank [View Case study](https://www.thefourthline.co.uk/case-study/chetwood-financial-banking?hsLang=en) ## The 2026 Operational Resilience Evidencing Gap: What Mid-Tier Firms Are Getting Wrong Download our Q1 2026 regulatory intelligence briefing. What FCA and PRA supervisors are prioritising.  The five most common evidencing gaps in mid-tier firms. What regulator-ready evidence actually looks like. 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