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. 

We work with mid-tier firms across three regulated sectors

insurance

Insurance

PRA dual-regulated insurers, Lloyd's syndicates, MGAs and specialist insurers.  PRA SS1/21 and FCA SYSC 15A obligations.

banking

Banking

PRA and FCA-regulated challenger banks, specialist banks, and deposit-takers. PRA SS1/21 and DORA obligations.

investment

Investment Management

FCA-regulated investment managers, discretionary wealth managers, fund administrators, and platform operators. FCA SYSC 15A obligations.

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

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

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

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

foresters-logo
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. 

interactive investor
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. 

monmouthshire BS
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. 

novia-financial logo
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. 

ruffer
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. 

planet payment
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. No remediation notice was issued.
Chris Sanford
Product Designer, Chetwood Financial

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.