Governance, Risk & Compliance
TORI help manage financial and non-financial risks exposure on aspects such as Internal Control, Financial Crime, Compliance, Data Management and Cyber Security, among other topics.
Increasingly demanding commercial targets, competitive pressures and evolving regulatory frameworks drive the need for continual innovation, efficiency and change.
Digital & Data Transformation
Modern Technologies are increasingly being used to drive competitive advantage: Start-ups use technology to disrupt established markets; Incumbents seek to optimise existing operations by exploiting advances in technology.
24 October 2023
The concept of the circular economy isn’t limited to tangible products; it is a powerful framework with the potential to revolutionise the financial services landscape.
20 September 2023
The rise of digital companies over the last two decades has forced traditional organisations to rethink their operating models to achieve the required levels of agility, customer experience, and flexibility. As the market is showing increased interest in digital assets, Start-ups and early investors have created enormous value in the unregulated cryptocurrency market, while businesses in the enterprise space have adopted technologies developed and tested in the market and applied them to payments and settlement, record keeping, securitisation, and trading.
14 September 2023
By shedding light on the transformative power of ESG strategy alignment, this paper aims to inspire and equip businesses with the necessary knowledge to navigate their journey towards sustainable, responsible, and ethical practices. Ultimately, it is hoped that organisations are encouraged to seize the opportunity to promote a more harmonious relationship between business, society, and the environment.
As part of the organisation’s Operational Resilience (Ops Res) initiative and in particular the Third-Party Risk Assessment component, our client a leading Insurer, wanted to carry out Risk Assessment reviews for a selection of critical suppliers.
22 August 2023
A dedicated Supply Chain Finance company, sought to elevate the customer experience for their external clients accessing the trade finance system through their customer portal.
31 July 2023
A leading African Financial Services Group with corporate customers across key market segments in 14 countries expressed their desire to review an in-flight programme driving the annualised expense-saving initiative into 2024.
A well-known global exchange specialising in international trade, and freight market information provision for the trading and settlement of physical and derivative contracts needed to meet the expectations set by the Financial Conduct Authority (FCA).
20 July 2023
Cyber Security has traditionally been perceived as a technological issue, however it’s now imperative that organisations recognise cyber security as an Environmental, Social, and Governance (ESG) concern due to its immediate and financially material sustainability risk for organisations.
In this blog we explore the opportunities DeFi presents, including faster and cheaper payments, improved lending and borrowing, transparency, and accessibility. Following on the same trajectory, this also discusses how within the contemporary and rapidly evolving financial landscape, digital and data transformation have become paramount for success
Artificial Intelligence (AI) refers to the capability of a computer system to replicate human cognitive functions and simulate the reasoning that humans use to learn and solve problems by employing maths and logic. Machine Learning (ML), a subset or application of AI if you will, involves using mathematical models of data to facilitate computer learning without direct or explicit instructions.
The financial industry has traditionally been relying on an enormous supplier ecosystem to provide its services, however, in more recent years derived from the pace of change of technology, there is an emerging threat that could impact the stability of the entire financial market in a blink of an eye.
TORI completed an 8-week engagement and collaborated closely with the Client’s internal IT, procurement / product owners, examining and constructively challenging the cost base, procurement practices and licence utilisation taking account of over overarching business objectives and desired cost savings targets.
15 March 2023
Consumer Duty is NOT a new version of the existing “fair treatment of customer” published by the FCA. The intention of this new regulation is to ensure Financial institutions re-think and shape their business models to deliver customers with “fair” value-for-money and transparency.
16 February 2023
Environmental, Social, and Governance (ESG) related topics have been slowly but surely coming to the forefront of the global business agenda since the early 2010s. However, over the last few years, there has been a massive boost in interest pertaining to ESG considerations, with many organisations having ESG issues at the top of their risk register.
30 September 2022
You acknowledge the rapidly-changing face of operations driven by global trends, shifting industry ecosystems, and digital technologies. You are continually being challenged to review cost structures and increase productivity, all the while making deeper, faster, safer and more automated changes to keep pace with competitors.
17 October 2018
AI is a general term which describes any technology that performs tasks which demonstrate characteristics of human intelligence. Machine learning is a subset of AI which can achieve ‘intelligence’ with the use of algorithms to ‘learn’ with data, without being explicitly programmed.
TORI stepped in during a major project and quickly established themselves as practical and useful experts. CEO, Life Insurer.
I must thank you for the work done to date. The programme manager said in the call how impressed he was with the partnership and capability of TORI so thanks. CIO, Global Insurer.
We chose to work with TORI because they demonstrated a real passion and desire to help. CIO, Wholesale Bank.
I got real, actionable insight from TORI. And they helped me deliver. Compliance Lead, National Building Society
TORI are a class act. COO, Wealth Manager.
What impressed me about TORI was the hands-on approach and the fact they put fees at risk. Head of Operations, Retail Bank.
TORI have acted as our technical and programme delivery partner on a large multi-year transformation programme. From day one they embedded themselves as part of our team and have been key to its success. Service Delivery Director, Public Sector.