What we do

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.

UK Financial Services firms reported a more than threefold increase in the number of cyber security breaches to the Information Commissioners Office (ICO) in 2023 compared to the previous year.

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.

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.

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.

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).

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.

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.

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.

Regulators in the UK and around the world have embarked on an ambitious change agenda to reform existing frameworks and help the industry adapt to risks and threats emerging from a post-pandemic era.

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.