Cyber security for financial services and payments

Regulators now expect firms to prove they can withstand and recover from disruption, not just prevent it. We help banks, payment firms, fintechs and insurers turn operational resilience, third-party risk and PCI DSS obligations into a clear, evidenced programme.

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The challenge

What's driving security in your sector

Operational resilience

FCA and PRA rules require firms to identify important business services, set impact tolerances and show, through mapping and scenario testing, that they can stay within them.

Incident and third-party reporting

The FCA has confirmed new operational incident and third-party reporting rules, taking effect on 18 March 2027. Firms need clear thresholds, a material third-party register and a reporting process that works under pressure.

Third-party and cloud risk

Outsourcing and cloud concentration risk sits with the firm, not the provider. HM Treasury designated the first critical third parties in July 2026, and supervisors still expect firms to manage their own exposure.

PCI DSS v4.0.1

All of the standard's future-dated requirements have applied since 31 March 2025, including targeted risk analyses, stronger authentication and controls over payment page scripts.

How we help

Practical support, from strategy to evidence

We bring our six core services together around the requirements that matter in your sector, so effort goes into the controls and evidence that make the difference.

Cyber Security Advisory

Board-level advice on cyber and operational resilience strategy, risk appetite and investment priorities.

Governance & Risk Management

Important business service mapping, impact tolerances, self-assessments and third-party risk frameworks.

Audit & Assurance

Independent assurance over controls, resilience self-assessments and outsourcing arrangements before the regulator asks.

Threat Modelling

Scenario and threat modelling of payment journeys and critical services to inform severe-but-plausible testing.

Payment Security

PCI DSS v4.0.1 scoping, gap analysis, readiness and remediation support, and help reducing scope.

Cyber Security Frameworks

Alignment to NIST CSF 2.0 and ISO/IEC 27001, mapped to your regulatory obligations so evidence is gathered once.

At a glance

Key requirements and frameworks

RequirementWhat it covers
FCA / PRA operational resilienceImportant business services, impact tolerances, mapping, testing, self-assessment
FCA incident and third-party reportingFinal rules in force from 18 March 2027
PCI DSS v4.0.1All requirements mandatory since 31 March 2025
DORA (EU)Applies to EU-regulated entities and their ICT providers
ISO/IEC 27001 and NIST CSF 2.0Recognised frameworks for structuring and evidencing your controls

A summary for guidance only, correct as of October 2026. Requirements change; check the source for your situation.

FAQs

Common questions

The March 2025 deadline was the start of a continuous regime. Firms need to keep mapping and testing current, show that vulnerabilities found in testing are being fixed, and refresh the self-assessment as services, suppliers and threats change. The incident and third-party reporting rules due in 2027 add new obligations on top.

Yes. Scope reduction is often the fastest route to a cheaper, more robust compliance programme. We look at segmentation, tokenisation, outsourced payment pages and data flows to take systems out of scope where it's safe to do so.

We provide independent readiness, gap analysis and remediation support so you're prepared for your QSA assessment or self-assessment questionnaire. Keeping advisory work separate from the formal assessment avoids conflicts of interest.

Let's talk about your next step

A short, no-obligation conversation to understand where you are and what would help most.

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Other sectors: Energy, utilities & CNI · Defence & supply chain · Technology, SaaS & managed services · Public sector & suppliers