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Francesco Fulcoli

Francesco Fulcoli Chief Compliance and Risk Officer at Flagstone

Autumn Budget 2024: Laying the Foundations for Economic Stability and Growth

The Autumn Budget 2024, presented by Chancellor Rt Hon Rachel Reeves , represents Labour’s return to power and is aimed at economic reform, investment in public services, and strengthening support for working families. Here, the budget’s major areas, offering key details, percentages, and figures that reflect the government’s fiscal vision and co...

/inclusion /markets Fintech

Francesco Fulcoli

Francesco Fulcoli Chief Compliance and Risk Officer at Flagstone

Illegal Finfluencers: FCA’s Crackdown on Financial Promotions on Social Media

The rise of social media as a powerful platform for influencing financial decisions has brought with it significant risks, especially when it comes to "finfluencers" social media personalities offering financial advice or promoting investment products. While these influencers may have the trust of their audiences, the UK's Financial Cond...

/inclusion /crime Fintech

Francesco Fulcoli

Francesco Fulcoli Chief Compliance and Risk Officer at Flagstone

Implementing Consumer Duty in the Payments Sector: Key to Delivering Good Customer Outcomes

The Financial Conduct Authority (FCA) has set higher standards for financial services firms through the implementation of the Consumer Duty, a key part of its 3-year strategy to promote transparency, fairness, and consumer protection. In a recent multi-firm review conducted in early 2024 and published the 9th of October, the FCA evaluated how pay...

/regulation /inclusion Fintech

Francesco Fulcoli

Francesco Fulcoli Chief Compliance and Risk Officer at Flagstone

FCA's Price and Value Outcome Update: Best Practices and Areas for Improvement

The FCA has released a detailed report on the Price and Value Outcome as part of its ongoing Consumer Duty framework. This update provides crucial insights into how firms can ensure they deliver fair value to their customers and highlights examples of both good and poor practices across the financial services sector. Below are some of the most im...

/regulation /inclusion Fintech

Francesco Fulcoli

Francesco Fulcoli Chief Compliance and Risk Officer at Flagstone

FCA Update on Cash Savings - September 2024: In-Depth Insights

The Financial Conduct Authority (FCA) has provided a detailed update on the cash savings market following its initial review published in July 2023. This latest report, released in September 2024, assesses how banks and building societies are improving customer outcomes, particularly concerning interest rate pass-through, fair value assessments, a...

/regulation /inclusion Fintech

Francesco Fulcoli

Francesco Fulcoli Chief Compliance and Risk Officer at Flagstone

A Revolutionary Reimbursement Policy to Combat Authorised Push Payment (APP) Scams

The Payment Systems Regulator (PSR) is implementing a groundbreaking reimbursement policy to tackle the growing menace of authorised push payment (APP) scams. This new requirement mandates payment service providers (PSPs) to reimburse victims of APP scams, marking a significant shift in consumer protection and industry responsibility. By embedding...

/payments /crime Fintech

Francesco Fulcoli

Francesco Fulcoli Chief Compliance and Risk Officer at Flagstone

Embracing Diversity and Inclusion: A Strategic Imperative for Modern Organisations

Diversity and inclusion (D&I) have emerged as critical components of a successful and sustainable business strategy. Organisations that prioritise D&I are not only enhancing their workplace culture but also driving innovation, attracting top talent, and outperforming competitors. Here we deep dive about the importance of D&I, the benef...

/sustainable /inclusion Fintech

Francesco Fulcoli

Francesco Fulcoli Chief Compliance and Risk Officer at Flagstone

Regulatory Resilience: Fintech's AML Frameworks through Comprehensive Gap Analysis and Methodologies

In a world where innovation meets finance, fintech companies stand at the forefront of revolutionising how we interact with money. However, with great innovation comes great responsibility, especially when it comes to compliance and Anti-Money Laundering (AML) practices. In this dynamic industry, navigating a complex web of regulatory requirements...

/payments /regulation Fintech

Francesco Fulcoli

Francesco Fulcoli Chief Compliance and Risk Officer at Flagstone

FCA Sounds Alert Over Weak Money Laundering Controls - Dear CEO Letter

Francesco Fulcoli - Chief Compliance Officer The UK's financial regulator has sent a serious warning to financial institutions after identifying widespread failings in how firms are preventing money laundering. In a letter to the chief executives of regulated firms, the Financial Conduct Authority (FCA) outlined common weaknesses it has found th...

/regulation /crime Fintech

Francesco Fulcoli

Francesco Fulcoli Chief Compliance and Risk Officer at Flagstone

EU Agrees on Stricter Anti-Money Laundering Rules

Francesco Fulcoli - Chief Compliance Officer The Council of the European Union and the European Parliament have reached a provisional agreement on reforms to strengthen the EU's anti-money laundering and counter-terrorism financing framework. The new rules aim to close regulatory loopholes and ensure illicit money from criminal activities and terr...

/regulation Fintech

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