Adempi Hires Lorraine Mouat to Lead Payments Practice

Why It Matters

The hire strengthens Adempi’s fintech capabilities at a time of heightened regulatory pressure, helping payment firms navigate compliance without stifling growth. It signals the market’s need for practical, senior‑level guidance as payment services expand across sectors.

Key Takeaways

• Lorraine Mouat leads Adempi's payment services practice.
• FCA scrutiny of payment firms is intensifying.
• Adempi offers senior‑only consultants for direct expertise.
• Clients gain compliance guidance balancing regulation and growth.

Pulse Analysis

Regulatory pressure on payment firms has surged in recent months, with the FCA rejecting an increasing share of authorisation applications. This tightening reflects broader concerns about consumer protection, anti‑money‑laundering controls, and the rapid integration of payment services into non‑financial businesses. Firms now require not only technical compliance but also strategic advice that aligns with commercial objectives, creating a niche for consultancies that can bridge regulatory rigor and business agility.

Lorraine Mouat’s appointment positions Adempi to meet that niche. With a track record of steering start‑ups, listed entities, and fast‑growing private firms through FCA authorisations, safeguarding reviews, and GDPR assessments, Mouat offers a rare blend of regulatory depth and practical implementation skills. Her expertise in building sustainable compliance frameworks means clients can anticipate regulator expectations while maintaining operational momentum, a critical advantage as fintechs, crypto platforms, and traditional lenders embed payment capabilities into their models.

For Adempi, adding a payments specialist enhances its senior‑only consultant model, differentiating the firm in a crowded advisory market. Clients benefit from direct access to a seasoned partner rather than junior analysts, accelerating issue resolution and reducing compliance costs. As the payments ecosystem continues to evolve—driven by open banking, real‑time payments, and cross‑border digital wallets—Adempi’s expanded practice is well‑placed to capture growing demand for bespoke risk‑management and regulatory guidance, reinforcing its reputation as a go‑to adviser for fintech and beyond.