Regulated Radio

David Strachan and Ian Stewart combine their regulatory and economic expertise to discuss whether financial services and financial services regulation are likely to facilitate or hinder the UK government's growth agenda. In particular they take a closer look at political sentiment from some quarters that UK regulators have been regulating for risk rather than growth. The conversation covered a range of relevant issues including: The UK's growth agenda and the role of financial services The impact of regulatory changes on facilitating greater lending or more investment into infrastructure or other productive assets relative to other levers such as monetary and fiscal policy Geopolitical uncertainty and the prospects for economic growth The resilience of sovereign debt markets in in the face of significant market volatility 

The UK's new digital markets competition regime came into force on 1 January 2025 and the Competition and Markets Authority (‘CMA') is already exercising its responsibilities in this area.  Join Robert MacDougall from Deloitte's EMEA Centre for Regulatory Strategy as he delves into how the UK's new digital markets regime is being implemented along with Cat Batchelor from the CMA's Digital Markets Unit. Learn more about the CMA's approach to pace, predictability, proportionality and process, featuring a range of insights for companies interested in this new digital regulatory framework. Don't miss this engaging and informative discussion!

The 2025 edition of the annual Financial Markets Regulatory Outlook sets out the most important regulatory and supervisory themes in 2025 – both for the industry as a whole, and at the sector level. Tune in to listen to a robust discussion between host Liam Girvan (Associate Director, EMEA Centre for Regulatory Strategy), Suchitra Nair (Partner, EMEA Centre for Regulatory Strategy) and David Strachan (Advisor, EMEA Centre for Regulatory Strategy), on the key regulatory and supervisory trends that will impact the financial services industry in 2025 – the discussion covers both, a bird's eye view on major trends and mini dives into key issues affecting sectors. Buckle up!  the insights in this episode are intended to help C-suite individuals at financial services firms prepare for strategic decision making, risk management and implementation.

Risk Culture and Governance continue to be significant themes for the financial services industry, not just from a regulatory perspective but also because of the evolving nature of risks in the financial services landscape. Join host Alex Spooner on Regulated Radio as he discusses these crucial topics with Deloitte experts: Natasha De Soysa, UK Financial Services Governance lead, Jess Sutherland, UK Risk Culture co-lead, and Ciara O'Grady, Partner in our Irish practice. We discussed the key elements of a robust risk culture, its importance in an evolving risk landscape and the impact of recent regulatory changes. The panel also discusses the evolving role of governance, technological advancement and accountability regimes like SMCR and SEAR. Tune in for valuable insights on navigating the world of risk culture and governance in financial services.

The clock to implement Corporate Sustainability Reporting Drive keeps ticking on swiftly ... How prepared are financial services firms? What makes implementing CSRD unique in complexity and is there a way of unlocking wider value via the implementation?  In this episode of Regulated Radio, host Linda Hedqvist is joined by Deloitte's foremost CSRD experts Yolaine Kermarrec, Insurance Partner, Greg Lowe, Director in Sustainable Finance and Steve Farrell, Head of ESG Assurance to discuss key challenges facing firms and some insights on where firms should be focusing at this crucial moment.

The extremely wide remit of Consumer Duty has meant that firms across financial services have had their hands full over the last couple of years – but what's next? After the July 2023 deadline, what do firms need to focus on? identifying vulnerable consumers, assessing price and value, and ensuring that robust data is available to monitor and prove good outcomes, are just a few of the things that firms will need to continue work on. In this episode of Regulated Radio, host Isha Gupta interviews experts Kareline Daguer, Director of Insurance at the EMEA Centre for Regulatory Strategy, Charlotte Wightwick Head of Conduct at the ABI and Paul Fraser, Director, and Consumer Duty lead for investment management at Deloitte on this issue.

The Prudential Regulation Authority's supervisory statement (SS1/23) on model risk management principles for banks is due to take effect from 17 May 2024. Given that the statement was released in May 2023, banks have had some time to digest it, however careful consideration will be required to ensure that banks' model risk governance, controls, policies, processes, and reporting meet the PRA's expectations. In this episode of Regulated Radio, Rod Hardcastle is joined by Deloitte Partner Ian Wilson to discuss the five key principles of SS1/23, the associated challenges banks face and how banks can minimise the costs of meeting these new expectations.

The 2024 Sustainability Regulation Outlook report is now live! It covers the key implications of sustainability related regulations across financial services and non-financial services. The report contains key insights on pivotal topics with crucial consequences for financial services and the real economy such as decarbonisation, greenwashing, sustainability reporting and circularity. In this episode, Isha Gupta from the EMEA Centre for Regulatory Strategy is joined by authors of the report and senior managers in Deloitte's Sustainability Regulation Hub, Magda Puzniak-Holford and Ramon Bravo Gonzalez to discuss what firms should be focusing on to prepare for the deluge of sustainability related regulations. The trio are privileged to be joined by Jane Gimber, Head of Sustainability from Fleishman Hillard a consulting firm based in Brussels, who provides key insights on the impact that the upcoming European Parliamentary elections will have on all of this.

What's in store for 2024? What are the emerging risks and structural trends that are shaping the regulatory and supervisory agenda, and how should financial services firms respond? In this episode of Regulated Radio, Alex Spooner is joined by Suchitra Nair and David Strachan to explore these questions and a range of topics, including geopolitical risks, tech and innovation, sustainable finance, prudential reform and the Consumer Duty.

The transition towards Net Zero and the adoption of other Environmental, Social and Governance, or ESG standards, is leading to a massive expansion of regulatory scrutiny and activity in the marketplace. This relatively new area of regulation is challenging many firms to keep up with the pace of change. In this episode of Regulated Radio, Scott Martin is joined by Deloitte's EMEA Sustainability Regulation Hub experts, Magda Puzniak-Holford and Ramon Bravo Gonzalez, to discuss how sustainability is changing the way companies operate, how regulators are expanding their activity in this area, and what this means for firms across different sectors.

The global banking sector has experienced a period of instability this year. Starting in March, a string of bank failures in the United States and Europe created uncertainty in the market and raised doubts about what would happen next.  In this episode of Regulated Radio, Scott Martin is joined by Deloitte's Centre for Regulatory Strategy Leads, David Strachan and Irena Gecas-McCarthy, to discuss the period of banking sector stress seen earlier this year, the immediate supervisory response to it, and the regulatory changes we may see emerge in its aftermath.

In recent years, the easy availability of sustainable funds in the retail markets and the increasing amount of money flowing into these funds have made greenwashing a hot topic in the investment management sector. Regulators in the UK and EU are clearly aware of the potential for greenwashing in this industry and are attempting to tackle it through a range of regulatory initiatives. In this episode of Regulated Radio, Scott Martin is joined by Deloitte's ESG in investment management experts Jessica Hodges and Stuart Royden-Turner to discuss the key greenwashing challenges facing the industry at the moment, and in particular the role of ESG data in this story.

In this episode of Regulated Radio, Scott Martin is joined by David Strachan and Suchitra Nair to explore the major regulatory trends affecting the Financial Services Industry in 2023, along with a range of topics including climate-related financial risk management, digital assets and payments, prudential capital frameworks for banks and insurers, and operational resilience.

In this episode, our experts Toby Roxburgh, UK Nature and Biodiversity Lead and Simon Brennan, EMEA Sustainability Regulatory Strategy Lead, join host Scott Martin to explore what ‘nature risk' is, how it relates to climate risk and what businesses should be doing to prepare for nature-related regulation. Tune in to learn more about how the wider nature and biodiversity agenda is rapidly coming up on climate's coat tails.

Our latest paper explores the key regulatory considerations across four key thematic areas: consumers, data, resilience, and governance and accountability, and how these will affect firms' strategies around embedded finance. In this episode, Suchitra Nair from the Centre for Regulatory Strategy and Richard Kibble, UK Banking Leader, discuss the current embedded finance landscape, the risks, opportunities and strategic considerations for firms. Our guests then offer some predictions for what they expect to see in the embedded finance market over the next 12-months.

In June we published a report intended to help wholesale banks in the EU and UK develop a digital assets strategy in the context of an evolving regulatory landscape. In this episode Deloitte's financial services, regulatory and legal experts Suchitra Nair, Ed Moorby and Clare Jenkinson discuss some of the key considerations, both strategic and regulatory, for banks looking to build out their digital assets business.

The Financial Conduct Authority has published its final rules for its new Consumer Duty. The Duty raises the standards of consumer protection in retail financial markets. With the introduction of a new Consumer Principle, and a set of cross-cutting rules and outcomes that support it, firms now face a significant task to meet these raised standards of consumer care. In this episode, Deloitte's regulatory, financial services, and legal experts David Strachan, David Clements, and Jake Ghanty give their quick take on the Duty and how they think it will shape the UK financial services sector.

In this episode, David Strachan and Suchitra Nair from the EMEA Centre for Regulatory Strategy discuss the major market developments that have shaped 2022 so far and what these are likely to mean for the regulation and supervision of financial services firms.

An increasingly complex technological, social, and geopolitical environment means that financial services firms must plan for disruptions to their operations that may not have been conceivable just a decade ago. With the UK financial services regulatory framework for operational resilience having come into force in March, and the EU's Digital Operational Resilience Act nearing completion, the hard work for firms to build their resilience has just begun. To discuss the implications of this for the financial services industry, and much more, we welcome Sarah Black and Suchitra Nair to the podcast.

COP26 galvanised and accelerated global focus on achieving net zero carbon emissions. Pressure is mounting on governments, businesses, and industry alliances to make net zero pledges. So, what does it all mean? How are plans to reach net zero being implemented within the banking sector? How will those within financial firms see their roles change in response to pledges and targets made by their firm? In this episode of Regulated Radio, Scott Martin is joined by Damian Hales and Rutang Thanawalla to answer these questions and much more.

How will major regulatory trends affect the financial services industry in 2022? How can leaders anticipate and respond to them effectively? In the 2022 edition of our Financial Markets Regulatory Outlook, David Strachan and Suchitra Nair, join Orla Hurst to explore these questions as well as digital payments, regulatory divergence, transitioning to a sustainable economy and the future of regulation. Key questions: As regulatory focus turns to scrutinising climate pledges, how can firms comply with ESG disclosures and avoid greenwashing? How can firms gear up for revisions to MiFID/MiFIR and prepare for possible reform to Money Market Funds? Will cryptoassets and digital payments firms cope with increased intrusive supervision of their risks and control frameworks? As firms tackle the challenges of overseeing a more complex business environment, in what ways can operational resilience, climate, diversity and inclusion be addressed? How can firms work to ensure they are providing value for money to customers? How might this affect their operations?

Is the banking sector ready for the implementation of Basel 3.1? Can it manage the complexity of an increasingly fragmented regulatory environment as key regulators look set to diverge from the international Basel standards? In this episode, Deloitte's global Basel 3 leader, Tom Spellman, and Rod Hardcastle join Scott Martin to discuss the path ahead for implementing Basel 3.1, including the EU's recent CRD6/CRR3 legislative proposal. Tune in now to hear what is still uncertain and what banks should start doing right away.

At the start of 2021, we identified nine regulatory themes affecting the financial services industry as a consequence of the COVID-19 pandemic. Against a more optimistic economic outlook than anticipated, Orla Hurst revisits these themes with David Strachan and Suchitra Nair from the EMEA Centre for Regulatory Strategy – identifying the developments and actions firms should focus on for the remainder of the year. Tune in now! Key questions: What is the risk of credit risk deteriorating in the second half of the year? And how can firms stay on top of it? What do firms need to keep an eye on from a customer and conduct perspective? What are some of the challenges to regulators and firms regarding cryptocurrency? What does regulatory divergence between the UK and EU mean for firms? And how can they best manage it?   The speakers are David Strachan, Suchitra Nair and Orla Hurst.    

How can technology help financial services firms manage the challenge of dealing with increasingly complex and demanding financial regulation? In this episode, we speak to Kent Mackenzie and Suchitra Nair to hear about the latest ‘RegTech' applications being used in the financial sector, and how regulators have been responding to this wave of innovation. Tune in now! Key questions: What are some of the most innovative RegTech solutions that have been implemented by financial services firms in the last few years? How do regulators view the use of RegTech in the firms that they supervise? What are the things a firm has to get right in order to adopt or scale-up RegTech solutions? How should firms go about engaging with their regulators if they want to adopt new RegTech solutions? What do the next few years hold for RegTech innovation?    

The UK has become a global leader in the development of the FinTech sector over the last decade, and attention is now turning to how it can retain its leadership position in the industry and foster the next generation of FinTech innovation. The recent Kalifa Review of the UK FinTech sector made a number of recommendations on how to do just this, and in this month’s episode, we sat down with Louise Brett, Deloitte’s FinTech Lead and a contributor to the Kalifa Review, to talk about how the sector has evolved and what we sees coming next. Tune in and join us for this show recorded especially for UK FinTech Week 2021!   Key questions: Why is now the right time for UK authorities to re-imagine their approach to the FinTech sector How can technological innovation in financial services continue to benefit broader society?   What are the key features of the regulatory and policy environment that have allowed FinTech to flourish? What will influence the development of the FinTech sector the most in the coming years?  

You don’t need to be an expert in financial services to know that innovation has been rapidly changing the way we make payments. Significant technological and infrastructural changes are enabling businesses and consumers to transact with increasing ease. But what are some of the regulatory challenges that this change gives rise to? In this episode, we speak to David Myers, Deloitte’s Payments Lead, and Valeria Gallo from the EMEA Centre for Regulatory Strategy to hear what lies ahead for the payments industry. Tune in now!   Key questions: What are the six major trends driving innovation in the payments landscape right now? How do regulators approach the risk of an increasingly complex payments value chain?  How do cryptocurrencies and distributed-ledger technologies change the way that payments are likely to evolve? What should financial services firms be doing now to prepare for this change?       

Now that the transition period for the UK’s departure from the EU has ended, differences between the regulatory regimes in the two jurisdictions may begin to emerge. One area where these differences could be felt first is in the insurance sector. In this episode, we speak to Andrew Bulley, Henry Jupe and Felix Bungay to hear their thoughts on what regulatory divergence could really mean in practice, how the review of the Solvency II Directive could create an opportunity for divergence to materialise, and how insurers can manage a more complex regulatory landscape. Tune in now to hear more about this increasingly important subject for a post-Brexit world.   Key questions: What does regulatory divergence look like in practice, and how might we see it materialise between the UK and the EU? How has the UK’s regulatory and supervisory philosophy traditionally differed from the EU’s and what could this mean for the future? Why do we see the review of the Solvency II Directive as a potential source of regulatory divergence? How can insurers cope with the practical challenges of managing regulatory divergence and regulatory complexity?      

What will this New Year hold for the world of financial services regulation and supervision? How will COVID-19 affect the work that regulators are doing and what are the trends we see emerging as the pandemic recedes? In this special episode, Scott Martin is joined by Andrew Bulley and David Strachan from the EMEA Centre for Regulatory Strategy to hear their thoughts on the year ahead. From sustainability to credit risk, operational resilience to regulatory divergence, there’s a lot to cover. So join us! Questions: What aspects of the financial services regulatory framework are seen to have worked well or less well during COVID-19? How can firms handle the tension between prudential and conduct risks as they manage the challenges faced by their customers during the pandemic? What progress do we see being made on the sustainability agenda in 2021? What has COVID-19 taught the financial sector about managing its operational resilience? How can the financial sector continue to be seen as being ‘part of the solution’ in responding to the pandemic’s economic and financial challenges?    

In just three weeks, the transition period for the United Kingdom’s departure from the European Union will end. Banks are busy preparing for an important change in the terms of market access between the EU and the UK and regulators are working to ensure a smooth transition for the financial sector, both on 1 January and in the days that follow. In this episode, we speak to two of Deloitte’s banking and capital markets Brexit leaders, Vishal Vedi and Alex Szmigin, to get their take on the readiness of the banking sector for the end of the transition period and what they think banks should be doing now to make sure they are prepared. Join us as we delve into some of the most interesting issues in this fast evolving situation.   Key questions: What in practice will change for banks when the transition period comes to an end on 1 January 2021? What are the near and medium-term expectations that financial supervisors have for banks during this period of time? How has COVID-19 affected the work that banks have been able to do to prepare for the end of the transition period? What should banks’ priorities be in 2021 in light of Brexit and the regulatory change they will face?    

AI holds the potential to revolutionise the financial services sector. Regulators are supportive, but also alert to the risks that AI might pose to markets and customers if not managed properly. Social pressure is also mounting on firms to ensure their use AI and consumer data is ethical. In this episode, we speak to Reny-Vargis Cheriyan and Suchitra Nair about the commercial and regulatory trends around AI in financial services, and the role of AI ethics. Tune in and hear their views about how firms can take advantage of this cutting-edge technology while keeping regulators convinced that their AI is trustworthy. Key questions: How is AI being used in the financial services sector today? What is ‘trustworthy AI’ and why is this an important concept for firms to think about? What expectations do regulators have of firms that are increasingly relying on AI? What are the steps that financial services firms should take when they are thinking about deploying AI solutions?        

How much is green investing changing the financial services sector, and how are regulators and investment managers responding to rapidly changing investor preferences? In our latest episode, we invited James Alexander and Isha Gupta on the show to share their views on the commercial and regulatory challenges that investment managers are facing with the shift to ESG investing. Join us as we explore the opportunities and challenges that we believe are in store for the investment and wealth management industry as this shift continues.   Key questions: What are some of the most significant regulatory initiatives we’re seeing today on ESG investing? How much of a challenge do investment managers face in implementing the new regulatory requirements that are coming down the track? What are the challenges investment managers are likely to face in obtaining their clients’ sustainability preferences? Where are regulators likely to turn their attention to next in this space?

One of the most important challenges that financial services firms face today is how to effectively deal with financial crime. The size and complexity of many financial firms and the growing reach of anti-money laundering regulation makes responding effectively to this risk no small feat. For this episode, we invited two of Deloitte’s financial crime experts, Katie Jackson and Tamsin Baumann, to help us understand recent regulatory developments and industry trends in this area. Tune in now to hear us discuss their ideas for how the financial services sector can rise to this challenge.      Key questions: Why do banks and other financial services firms have such an important role to play in identifying and tackling financial crime? What are some of the recent initiatives from EU and UK regulators that firms need to watch? Can financial services start-ups and challengers sometimes be caught off-guard by the difficulty of managing the risk of financial crime? How are firms deploying new technologies to more innovatively manage their anti-money laundering activities?

At the start of the year, we looked at what was in store for 2020. It’s safe to say that the last six months have been different from our expectations. COVID-19 has changed almost everything about our daily lives and has been a significant challenge for financial services policymakers. But what are the regulatory trends that we see enduring despite the circumstances? In our latest episode, Andrew Bulley and David Strachan join our host, Scott Martin, for a mid-year review like no other. Tune in now! Key questions: How are financial services firms dealing with the most recent challenges brought about by COVID-19? What are regulators likely to expect firms to do as the sector copes with an economic downturn? Which regulatory trends do we believe have been emboldened by the experience of COVID-19? What are the biggest challenges that we think the financial sector will face in the second half of 2020? 

Banks will face enormous challenges managing the economic fallout of the COVID-19 crisis. The role of IFRS9 in determining the amount of loan losses banks have to provision for has received a lot of attention since the pandemic took hold. We invited two of Deloitte’s leading banking experts, Mark Rhys and Ian Wilson, on the show to help us better understand the sector’s recent performance and what we can expect banks and regulators to do in the coming months as the crisis evolves. Key questions: What are the most significant challenges that banks are facing in the COVID-19 crisis? What is IFRS9, how does it work, and why is it receiving so much attention now? How do forecasts about the economy’s performance in the downturn change the way banks anticipate losses? What are some of the most important measures regulators have taken to stabilise the sector? How should banks be preparing for the end of extraordinary government support programmes?

How are financial firms and their regulators getting to grips with the rise of Cloud computing? As firms push ahead with their digital transition, more and more of their activity depends on Cloud Service Providers. Regulators have recognised the efficiency gains that using the Cloud can bring to firms, but they equally want to ensure that risks arising from this are well managed. Tune in to hear Tom Bigham and Suchitra Nair speak to Scott Martin about the trends that financial services firms should be watching today. Key questions How quickly has Cloud adoption been progressing in the financial sector? What are regulators doing to ensure that they can understand the risks arising from Cloud computing? Where can financial firms expect regulators to exercise the most scrutiny in assessing their Cloud transition plans? What is ‘concentration risk’ and how could it pose a challenge to financial sector stability?

As much of the world prepares for long periods of lockdown and social distancing, how can financial services firms and their regulators be confident that measures taken to strengthen the resilience of the financial the system have been enough? In this episode, Scott Martin speaks to David Strachan from Deloitte’s EMEA Centre for Regulatory Strategy and Rick Cudworth from Deloitte’s Reputation, Crisis & Resilience practice to get their take on whether the financial sector can stay resilient through the disruption caused by COVID-19. Tune in now to hear what we’re seeing during these extraordinary times. Key questions: How does the current turmoil in financial markets compare to the 2008-2009 global financial crisis? What can stress testing exercises tell us about the ability of financial sector firms to absorb the shock of COVID-19? How are regulators around the world trying to support the stability and functioning of financial firms? What should firms do to safeguard their operational resilience over the duration of the lockdown? What could changes in government strategy towards social distancing mean for firms in the coming months?

What are financial firms doing to ensure they are prepared for the effects that climate change can bring? Amid growing political, media and regulatory attention, banks and other firms are coming under increased pressure to show that they understand the scale of the risks that they each face. In this episode, Scott Martin speaks to Damian Hales and Rutang Thanawalla from Deloitte’s FS-Risk Advisory practice about the latest thinking in the financial sector on forecasting the effect of climate change on asset prices, business models and potential liabilities. Tune in now to hear some seriously new ways of thinking about financial sector risk.   Key questions: What are the different types of climate change risks that firms should be assessing now? How is measuring climate risk different compared to measuring financial risk or conduct risk? Which climate change scenarios are the most realistic ones for firms to be assessing? Which regulators are leading the pack in establishing climate change stress tests for financial firms? How can we expect the regulatory framework around climate risk to evolve in the next decade?

Welcome to the Twenties! It’s a new year and a new decade, and the first question that’s on our mind is how financial sector leaders can navigate the regulatory and commercial challenges ahead. In this special episode, our host, Scott Martin is joined by David Strachan and Andrew Bulley to talk about their 2020 Regulatory Outlook, and Ian Stewart, Deloitte’s UK Chief Economist, is back to tell us what he’s seeing in the economy and in markets. From sustainability and cyber risk to new technologies and changing demographics, we scan the horizon for what the financial industry can expect in the year ahead. Join us!   Key questions: What kind of economic environment and risks will financial services firms likely face in 2020? What effect is a retrenchment from globalisation, or “slow-balisation”, having on regulatory co-operation? What are the biggest challenges that regulators and firms will face as a result of the regulatory agenda for the next 12 months? How will regulators respond to risks arising from ageing populations and more millennials in the workforce? How will regulators scale-up the work they are doing on the sustainability of financial firms and products? Will cyber and operational resilience risks complicate how the financial sector adopts new technologies?

How do we deal with a challenge as difficult as cultural change in the financial sector? More than ten years on since the financial crisis, what’s still on the agenda of financial authorities? In this packed episode, Scott Martin speaks to Andrew Bulley and Orla Hurst from the Centre for Regulatory Strategy, as well as Rose-Marie Kennedy from Deloitte Ireland. Tune in now to find out what they see as the four most up-and-coming trends in financial services culture and what FS firms can expect to happen next. What are the most important trends in the approach of supervisors to culture in the financial sector? What jurisdictions are we supervisors seeing take a renewed interest in culture? What has been the recent experience of UK and Irish firms in addressing their culture? What is ‘psychological safety’ and what does it have to do with instilling a culture of challenge in a firm? What effect will technological trends like the digitalisation of banking have on firm culture outcomes?

Outages, data breaches, systems failures. What happens when the financial sector’s normal functioning gets disrupted? In this episode, Scott Martin speaks to Rick Cudworth and Neil Bourke from Deloitte’s Reputation, Crisis & Resilience team to find out what FS firms are doing to strengthen their operational resilience. Tune in now to understand how regulators are becoming more and more alert to the complexity of these risks and how they’re proactively getting FS firms to be better prepared for them.   Key questions: What is operational resilience and why has it become such an important issue for the financial sector What are financial regulatory authorities saying financial sector firms need to do? What is an ‘impact tolerance’ and what is a ‘business service’ – and why does this matter? How can impact categories help firms understand the ‘harm’ to stakeholders they could cause if their services were suspended? What kind of scenarios should FS firms be thinking about to stress test their resilience capabilities?  

This month, Valeria Gallo, FinTech expert in Deloitte’s EMEA Centre for Regulatory Strategy (ECRS), joins us to cut through all the buzzwords and give us her views on how Open Banking, and eventually Open Finance, might actually change the financial services sector. Tune in now to hear the latest about what could be one of the most important regulatory trends driving customer-focused innovation in financial services. This is a show FinTech fans will not want to miss.

How resilient is the financial sector to cybercrime? In this episode, we're joined by Sir Rob Wainwright, Senior Partner at Deloitte and former head of Europol, who talks to us about how the merger of cyber risk and crime have created a whole new field of challenges for financial services firms. Tune in now to understand how the sector and its regulators can respond to this threat.

Money, as they say, never sleeps – and you’d certainly not want yours to. In this episode, we’re looking at how UK regulators have been promoting transparency amongst asset managers as to the value they are offering to their investors. Scott Martin is joined by Andrew Bulley and Joy Kershaw and together they dive into the latest competitive trends in the investment fund sector. Tune in now to find out just how hard your money can work. Key questions: Why has the UK Financial Conduct Authority increasingly scrutinised the state of competition in the investment fund sector? And what has the FCA asked asset managers to do to demonstrate the value their funds deliver? How will more transparency on value for money affect competition in an already busy marketplace? Do we expect EU regulators to follow the UK’s lead and become more involved in promoting competition among investment funds? Is there an opportunity for asset managers to make the most of these new requirements?

At the start of the year, we looked at what was in store for 2019. We’re only six months in and it’s already been a year of twists and turns. From a darkening economic outlook, to really critical regulatory advances on the fastest emerging risks, there’s been plenty to keep us on our toes. In our latest episode, we’re welcoming back David Strachan, as he joins our host Scott Martin, for a mid-year review of the regulatory climate so far… tune in now! Key questions: How are financial services firms handling the continued uncertainty around Brexit and what should they watch for next? How far are regulators likely to go in pushing financial firms to address risks arising from climate change? Are we seeing regulators make enough progress in dealing with the threat of cyber risk in financial markets? What are the highest impact developments that we expect to see in the second half of 2019?

As ‘FinTech mania’ rises, our latest episode looks at what regulators are doing to encourage more innovation, get ahead of potential risks, and how prepared FinTechs are to deal with the bigger regulatory hurdles they will face as they scale. Join our host Scott Martin, and our special guest Suchitra Nair, as they dig a little deeper into the future of FinTech. Tune in now!

In our latest episode, our host Scott Martin and Deloitte’s Chief Economist, Ian Stewart, scan the horizon and look at the some of the top economic threats facing financial markets today. From the latest macroeconomic developments around the world, to the risks keeping central bankers and financial regulators up at night. Tune in to hear more!

In our latest episode we are diving into the deep-end and tackling all things cyber security. How much of a threat is cyber risk to global financial stability and what are regulators starting to do about it? Our host Scott Martin is joined by Stephen Bonner and Dave Clemente to dig into one of the hottest of all topics in the financial world right now. Listen in!