Remediation after an ACPR inspection

An inspection by the ACPR, the French banking and insurance supervisor, ends with findings and precise expectations, set out in an inspection report, a follow-up letter and sometimes a formal notice. The institution must then fix things quickly, in the right order, and be able to demonstrate it.

This is the moment I step in, to turn the findings into a realistic remediation plan, implement it with your teams and build the evidence and audit trail the supervisor expects.

Is this your situation?

• You have just received an inspection report or a follow-up letter and must respond within a tight deadline.

• The ACPR has sent you a formal notice, or disciplinary proceedings are being considered.

• An internal audit, your group inspection or your parent company has identified weaknesses in your AML/CFT or sanctions framework.

• Your remediation plan is under way, but it is falling behind, lacks steering or qualified resources.

• Your compliance officer has left, and you must meet your commitments while recruiting.

This service is designed for banks and credit institutions, payment and e-money institutions, crypto-asset service providers and insurers. The approach is the same for all, with a level of requirement proportionate to your business and your risks.

The most frequent findings I work on

• A risk assessment that is missing, too generic or poorly linked to due diligence measures.

• Incomplete customer files, poorly identified beneficial owners, overdue periodic reviews.

• Transaction monitoring based on unsuitable scenarios, with alerts left unprocessed or processed without traceability.

• Suspicious transaction reports filed late, insufficiently analysed or without clear decision-making governance.

• A sanctions and asset freezing framework with incomplete screening, unjustified calibration and poorly documented alert handling.

• Regulatory documentation (policies, procedures, risk mapping) that is incomplete, out of date or not auditable.

• Insufficient or poorly documented first and second line controls.

• Governance to be strengthened, whether the role of senior management, committees, reporting or compliance steering.

How the engagement works

1. Reading the findings and scoping. Analysis of the report or follow-up letter, prioritisation of the findings, identification of deadlines and of what the supervisor really expects.

2. Remediation plan. For each finding, actions, owners, milestones, deliverables, as well as the expected evidence and audit trail. A plan you can present and defend.

3. Implementation with your teams. Procedures, risk assessment, customer file reviews, tool calibration, controls and training. Depending on your needs, I lead the remediation or reinforce your teams.

4. Monitoring, evidence and audit trail. Remediation tracking dashboard, evidence file and audit trail, preparation of your exchanges with the supervisor and of your reporting.

At the end of the engagement, you have a prioritised remediation plan, tight steering, auditable deliverables and an audit trail that demonstrates progress.

What drives the scope

Every situation is different. The scope depends in particular on

• the number and severity of the findings;

• the deadlines set by the supervisor;

• the size of the institution and its activities;

• the internal resources available;

• the state of existing tools and documentation.

This is why each engagement is based on a proposal built after an initial call, tailored to your context. You receive it within 48 hours of our call.

Why Studio Compliance

• 25 years of experience in compliance and financial crime prevention, across traditional banking and fintech.

• Direct experience of remediation under ACPR supervision and of running compliance under heavy constraints, including as an interim manager.

• CAMS certified (Certified Anti-Money Laundering Specialist) and board member of the ACAMS France Chapter.

• A pragmatic approach, with actionable, prioritised and documented recommendations.

• Rapid response and strict confidentiality about your situation.

Frequently asked questions

What should we do first after receiving an inspection report?

Review the findings with an outside eye, prioritise them by severity and deadline, then build a realistic action plan before committing to dates with the supervisor.

Can you start quickly?

Yes. The initial call helps me understand your situation and propose a start that fits your deadlines.

Do you replace our compliance function?

No. I support or lead, depending on your needs, and the institution remains responsible for its framework and its exchanges with the supervisor. I can, however, prepare those exchanges with you.

Do you work with our lawyers?

Yes. Legal advice remains the role of your lawyers, and my work focuses on the operational implementation of the remediation. The two are complementary.

Will our situation remain confidential?

Yes. Confidentiality is a basic condition of every engagement, and a non-disclosure agreement (NDA) can be signed before the first detailed discussion.

How do we get started?

With an initial call, with no commitment, to understand your situation and your deadlines.

An inspection, a follow-up letter, a deadline?

An initial call is the best way to review your findings and define the next steps. Write to contact@studio-compliance.com or use the contact form.