ECCTA compliance programme
A two-phase programme for a financial services group: Companies House and identity verification readiness ahead of the November 2026 deadline, then the failure to prevent fraud defence built and independently assured.
The brief
The group knew ECCTA applied to it and had no clear view of what that meant operationally. Two separate obligations were being discussed as one: the Companies House identity verification regime and the corporate offence of failing to prevent fraud. The board wanted a defensible position on both and a way to report progress that did not depend on assertion.
What we did
We split the work into two phases so each could be closed out properly. Phase one covered Companies House and identity verification: entity mapping, who needed verifying, filing obligations and the process changes to keep it current.
Phase two built the reasonable procedures defence across six stages: fraud risk assessment, control gap analysis, procedure and policy design, training, implementation and independent assurance over the result.
The outcome
A documented position on both obligations ahead of the deadline, with a board-level report tracing each element of the defence to the evidence behind it. The assurance stage was performed by a team independent of the build, so the defence has been tested rather than only designed.
Why it mattered
A reasonable procedures defence that has never been independently challenged is an assertion. The independent assurance stage is the part most programmes skip and the part that matters if the defence is ever needed.