Services—Business operations design
Business operations design
The operating model behind the licence: how the business runs every day, who does what, and which controls prove it — designed before go-live, not after the first finding.
Who this is for
- Applicants that need an operating model to describe in their licence file
- Newly licensed firms preparing to go live
- Established companies launching a regulated or digital line of business
- Firms scaling quickly whose processes have outgrown the team
What we design
From the operating model to the first day of business.
| Area | What it is | What we help you prepare |
|---|---|---|
| Target operating model | How the business creates and delivers its service | Operating model blueprint, capability map, in-house vs outsourced decisions |
| Processes | End-to-end flows from onboarding to settlement | Process maps, procedures, handoffs and service levels |
| Controls | How each risk in a process is prevented or detected | Control matrix with owners, frequency and evidence |
| Organisation and roles | Who is accountable for what | Organisation chart, role descriptions, key-person responsibilities |
| Systems and vendors | The platforms and providers the model depends on | Requirements, selection support, outsourcing documentation |
| Go-live readiness | Proof that the business can operate as described | Readiness checklist, dry runs, open-items log |
Traceability
Every commitment in the application can be traced to evidence.
01Licence condition
02Policy clause
03Process step
04Control
05Evidence
06Inspection
Client assets must be kept separate from company assets
Client asset policy sets segregation and daily reconciliation
Operations reconcile client wallets against the ledger each day
Reconciliation reviewed and signed off by a named owner
Signed daily reconciliation reports, kept on file
The inspector samples days and gets the same answer
What we deliver
An operating model that matches what you told the regulator.
- 01
Operating model blueprint
Capabilities, flows, in-house and outsourced components, and how they connect.
- 02
Process and procedure set
End-to-end processes with procedures written for the people who run them.
- 03
Control matrix
Risks per process, the controls that address them, owners and evidence.
- 04
Organisation and role design
Structure, role descriptions and key-person responsibilities for hiring and handover.
- 05
Go-live readiness review
Every commitment in the licence file checked against what is actually in place.
Typical phases
Indicative durations — set in your assessment.
01 Assess
02 Design
03 Build
04 Go-live
Go-live checklist · preview
- Every process in the licence file has an owner and a procedure
- Control matrix covers each key risk with evidence defined
- Key persons appointed and briefed on their responsibilities
- Outsourcing agreements signed with oversight in place
- Dry run completed for onboarding, transactions and complaints
- + the full checklist, shared after your assessment
Questions we are asked first
Straight answers, before the first meeting.
Why design operations before the licence is granted?
Because the licence file describes how you will operate, and the regulator will test that description. Designing it once avoids rewriting both later.
Do you implement systems?
We define requirements, support selection and document the arrangements. Implementation stays with your technology team or vendor.
Can this work for a non-regulated digital business?
Yes. The same method applies to any business that needs clear processes, controls and accountability before it scales.
What do you need from us to begin?
Your business model, current organisation and the systems you use or plan to use. A 30-minute call is enough to set the scope.