Financial institutions face a convergence of regulatory pressure, legacy complexity, and competitive disruption. SurreyTech delivers technology transformation that strengthens compliance posture while accelerating the shift to modern, resilient architectures.
The FCA's operational resilience framework, PRA supervisory expectations, and the Consumer Duty have fundamentally changed how financial institutions must approach technology change. Meanwhile, challenger banks, embedded finance, and API-driven ecosystems are compressing the timeline for modernisation. Institutions that treat compliance and innovation as separate workstreams will fall behind on both.
Since March 2022, the FCA and PRA have required firms to identify important business services, set impact tolerances, and demonstrate they can remain within tolerance during severe but plausible disruption scenarios. This is not a documentation exercise. It demands genuine architectural understanding, dependency mapping, and tested recovery capabilities.
Most firms have completed the initial identification phase. The harder work, building the technology and operational capability to actually remain within tolerance, is where SurreyTech operates. We help firms move from compliance documentation to genuine operational resilience through architecture remediation, dependency rationalisation, and tested failover capabilities.
FCA Consumer Duty, PRA operational resilience, SM&CR accountability, and evolving prudential requirements create overlapping compliance demands. Technology change must satisfy regulators while maintaining delivery momentum.
Decades of acquisitions, tactical fixes, and vendor lock-in have created technology estates where core systems are deeply entangled. Modernisation requires careful sequencing to avoid destabilising critical processing.
Regulators expect firms to demonstrate they understand concentration risk, data residency obligations, and exit strategies before migrating critical workloads. Cloud adoption in financial services is not a lift-and-shift exercise.
Regulatory reporting, risk management, and customer insight all depend on reliable, governed data. Most firms are still reconciling fragmented data estates while trying to build modern analytics capabilities.
We help firms move beyond impact tolerance mapping to genuine architectural resilience. This includes important business service dependency analysis, third-party concentration risk assessment, recovery capability design, and scenario testing that satisfies PRA supervisory expectations. Our teams have delivered resilience programmes at Tier 1 banks, asset managers, and insurance groups.
Whether migrating from legacy mainframe platforms to cloud-native core banking solutions or building real-time payment capabilities, we bring direct experience with Temenos, Thought Machine, FIS, and Finastra platforms. We handle the integration complexity, data migration risk, and parallel running strategies that determine whether modernisation programmes succeed or stall.
From Consumer Duty implementation to Basel III.1 capital reporting, we deliver regulatory change programmes that embed compliance into operating processes rather than bolting it on. Our approach connects regulatory interpretation, process design, technology implementation, and assurance into a single delivery model.
We design and deliver cloud migration strategies that address FCA and PRA expectations around concentration risk, operational continuity, and data sovereignty. Our architecture teams build API-first integration layers that enable progressive modernisation without big-bang migration risk.
We modernise risk data infrastructure, implement automated regulatory reporting pipelines, and strengthen control frameworks. Our teams understand BCBS 239 data aggregation principles, COREP/FINREP reporting requirements, and the operational demands of real-time risk monitoring.
Financial services engagements typically draw on multiple SurreyTech capabilities.
Whether you are navigating operational resilience requirements, modernising core platforms, or building cloud-native capabilities under regulatory scrutiny, we can help you scope the right approach.
Start a conversation