Financial services · Joint Heirs

Where the work concentrates

The work in financial services.

Returns and economics

We work on the economics of the product and the customer, from margins and fees to the cost of acquisition and service.

Risk and credit

We work on how risk is priced and managed, and on the quality of the book behind the product.

Operations and cost

We modernize and simplify the operations that carry the product, and take out the cost of complexity.

Digital and distribution

We work on how the firm reaches and serves customers, and the technology that decides whether it can.

Our approach

Returns, risk, and the cost to run.

We work on returns and risk together, because in financial services they are the same coin, and on the operating cost that sits between them. We are comfortable in the numbers and the regulation both, and we build the changes into how the business is run, so they take effect and last.

The capabilities we bring to this work

When we are called in

The situations behind this work.

Returns are under pressure and the cause is not clear.

Risk is rising faster than the business is pricing for it.

The cost of running the operation is too high for the margin.

A legacy operation cannot support the products the market now wants.

Bring us the problem.

Whatever the sector, the work is the same. Tell us where the business is stuck, and we will tell you what we see and how we would fix it.

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