Vincent Bull

Accomplished compliance and financial services professional with over three decades of experience across regulated entities and the wider financial sector. Recognised as a subject matter expert in AML, compliance, payments, and FCA regulatory frameworks, with a proven record of leading organisations through complex regulatory landscapes and driving strong compliance cultures.

Throughout my career, I have held senior roles including Head of Compliance, MLRO, Managing Director, and External Auditor, supporting firms ranging from start-ups to established financial institutions. I bring extensive expertise in FCA applications, authorisation processes, regulatory reporting regimes, safeguarding, and risk-based compliance frameworks, with hands-on experience across SPI’s, API’s, EMI’s, fintechs, and consumer finance providers.

Key strengths include:

• Regulatory Engagement – trusted adviser and point of contact with the FCA, experienced in handling authorisations, regulatory breaches, supervisory meetings, and ongoing compliance obligations.
• AML/CTF Expertise – deep understanding of financial crime prevention, risk assessments, transaction monitoring, fraud detection, SAR reporting, and AML audits.
• Leadership & Governance – extensive track record at board level, shaping compliance strategy, developing internal policies, and embedding strong governance structures.
• Payments & Operational Oversight – proficient in safeguarding, reconciliation, and back-office controls to ensure transparency and regulatory compliance.
• Advisory & Consultancy – founder of compliance consultancy supporting regulated firms with FCA applications, frameworks, and regulatory health checks.

Respected for my ability to combine technical regulatory knowledge with commercial awareness, I have successfully guided businesses through growth, authorisation, audits, and regulatory scrutiny, while maintaining a pragmatic, solutions-focused approach to compliance and risk management.