UK Finance's latest must-read blogs

UK Finance's latest must-read blogs


  1. Is your firm ready for the FCA PEP review?

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Following the launch of the FCA’s forthcoming review of how financial services companies in the UK treat PEPs, Claire Rees, Client Manager at Jade considers how firms might approach this review.

The FCA review will look at how firms risk assess UK PEPs, their families and close associates and how enhanced due diligence and ongoing monitoring are applied in line with the identified risk.

The FCA has stated it will consider how firms are:

  • applying the definition of PEPs to individuals
  • conducting proportionate risk assessments of UK PEPs, their family members and known close associates
  • applying enhanced due diligence and ongoing monitoring proportionately and in line with risk
  • deciding to reject or close accounts for PEPs, their family members and known close associates
  • effectively communicating with their PEP customers
  • keeping their PEP controls under review to ensure they remain appropriate

To find out more, read the full blog post by Claire Rees, Client Manager, Jade. ?


  1. Deforestation, land conversion and financial crime – mitigating the financial industry’s risk exposure.

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Deforestation and land conversion – a change in the primary use of land (for example, from forest, savannah or grassland to agricultural use or infrastructure) - have significant social and environmental impacts globally. They are serious contributors to climate change (with estimates that as much as 15-20%) of global carbon emissions come from degraded forests) as well as loss of biodiversity and wildlife.

Deforestation and land conversion also severely impact local communities, often going hand-in-hand with human rights abuses, health issues, loss of livelihoods and displacement, particularly across indigenous and local communities. In doing so, they undermine sustainable development and contribute to local conflict.

The most important driver of deforestation and land conversion is the global demand for high-value agricultural commodities such as palm oil, soy, cocoa, coffee, timber, rubber wood and cattle, as well as for hard commodities like minerals and energy resources.

The co-opting of these sectors by illegal enterprises and transnational criminal groups is also, unfortunately, all too commonplace, with these actors taking advantage of corrupt systems, inadequate land protection and lax regulatory oversight to convert land. As such, financial institutions with links to these commodities or high-risk regions – for example, through trade finance or correspondent banking – may also be exposing themselves, directly or indirectly, to financial crime risks.

Only once financial institutions understand the typologies and practices used to undertake these activities can they ensure they are not financing them or exposing themselves to associated risks, while developing capacity to report suspicious activities to law enforcement authorities.

Themis and WWF UK are working on a project to produce a Deforestation and Land Conversion-Linked Financial Crimes Toolkit, to be launched at COP29 next year.

Read the full blog post by Olivia Dakeyne, Associate Director of Insight, Themis

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  1. Discover the future of UK Financial Services at the Digital Innovation Summit with IBM

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Today’s world is ever changing but one thing you can be sure of is quantum is our future and it’s filled with promise and potential. Together, let’s explore the cutting-edge capabilities and uncover all of its benefits.?

?I am excited to invite you to join me at the upcoming UK Finance Digital Innovation Summit, bringing together industry leaders and experts. As a proud member of the IBM team with over 20 years' experience in the financial sector I understand opportunities available in emerging technologies across the industry and I look forward to sharing my insights and experiences with you all! I believe quantum computing will transform the UK’s financial landscape, so I’ll be delving into the key areas to discuss more:?

  • Risk Analysis: A Quantum Leap in Decision-Making
  • Compliance: Streamlining Processes with Quantum-Powered Pattern Recognition
  • Investments: Maximising Returns through Quantum-Enhanced Portfolio Optimisation

Read the?full blog post?by Nick Levy, Partner, UK Financial Services Technology Consulting, IBM

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