Gaps between today’s capabilities and tomorrow’s expectations are widening.

Let us tell you more

Let us tell you more

What are the gaps?

Gap #1. Regulatory Reporting

Every firm is riddled with too much cost, too much risk and a lack of standards around regulatory reporting.

We’re fixing this…

Gap #2. Regtech Adoption

RegTech is still quite new & fragmented, with no common langauge.  RegTech’s value by 2025 is estimated at c$55bn!

Ecosystems + Standards are needed…

Gap #3. Culture

Culture is widely accepted to be the root of major conduct failings leading up to the 2008 financial crisis.

Purpose + People are key ‘trust’ gaps …

Find out more

RegTech & Consulting

Our decades of business, regulatory, data + interpretation expertise is combined with technology to give regulators + firms tooling, to address their key pain points.

MIDEUM is a data-driven reporting solution that focuses on openness, collaboration, trust and simplicity

RegTech
Consulting

Collaboration

Our cross-jurisdiction ‘think-tank’ groups commenced Oct 2020, focusing on RegTech + other gaps. As a result, we have created an ecosystem working on:

1. ‘Industry Working Group – Regulatory Reporting’, 2. Regulatory Taxonomy + Ontology’ project with FINOS

Find out more

Who at Change Gap is making our vision a reality ... ?

Check out who we’re working with ...

We believe ‘creativity, more than competitiveness’, is critical, to bridge gaps and an important element of that is collaboration.
Here are some of the organizations we are working with to deliver long-term sustainable value - through individual or industry engagement.

Read some of our articles...

Mind the Gap – Mental Health Awareness Week

Read the Article

The role of conduct and culture in the context of open data standards and regulatory reporting.

Watch the Video

Working Group #1: EcoSystems, RegTech Adoption, Purpose and Culture

Read The Article
Connect with us

We’d be delighted to talk or meet with you, to see how we can help you …

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Rise London, 41 Luke Street, London, EC2A 4DP.

connect@changegap.co
+447887891139
Change Gap

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RegTech Tooling

Consulting

Collaboration

Social Enterprise

Sarah Sinclair

Co-Founder & CEO

Our Co-Founder and CEO, Sarah, is a highly entrepreneurial, commercially astute and trusted senior change operator with over 20 years of diverse experience in the financial services sector spanning from banking (ex HSBC, Barclays, Credit Suisse, Nationwide Building Society Aldermore, HBOS) and investment management (ex Schroders and GAM) to insurance (Prudential UK, Legal & General and Beazley). With many years of helping individual firms, and observing ‘widening gaps’ between business need, regulation and technology, she felt compelled to convert this experience into a purpose-led business, with a mission set to achieve far greater impact.  A natural drive to listen and understand, with a strong sense of empathy, she quietly turns stones to find better, fairer ways, refusing to settle for ‘half-baked’. Contact Sarah if you want to chat about how Change Gap could help your business or you want to know more about our industry collaborations.

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Rob Atkins

Co-Founder

Our Co-Founder, Rob, has over 30 years Tier 1 banking (Barclays, Lloyds Banking Group, Nationwide Building Society and most recently at AIB UK) senior management experience providing a unique blend across several risk types (credit, operational & regulatory) and change management.  Rob is held in high regard by the Cx0s he has worked with over past 15 years and has a strong reputation for successful delivery of large-scale business.  Rob’s passion in co-founding Change Gap is to share his extensive experience with firms of all sizes to enable them to achieve regulatory compliance through access to great affordable products including Change Gap’s Mideum reporting solution. Contact Rob if you want to chat about how Change Gap could help your business achieve regulatory compliance.

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Anil Kutty

Product Lead

Our Product lead, Anil, has over two decades of Financial services experience mainly in tier one banks including HSBC, Barclays, RBS, Standard Chartered, Lloyds, Aldermore and Nationwide. He has extensive expertise in Regulatory (Basel, Stress Testing, Liquidity), Financial reporting (FINREP, IFRS9) and data centric projects (Pricing, Capital reporting). No matter how complex the data or challenging the business needs, his passion for finding solutions never wanes. Anil was associated with Change Gap right from the inception and was inspired by the vision and Cloud based API technology selected. A chance to work on new regulations, emerging technologies, shaping solutions right from conception to implementation and finally a chance to work with a world class friendly experienced team was the motivation to join Change Gap. If you have any questions about the various regulatory solutions we are currently working on at Change Gap then please get in touch with Anil.

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Emma Parry

Senior Conduct Risk Advisor

Our Senior Conduct Risk Advisor, Emma, is partnering with Change Gap and our clients to bridge conduct and culture gaps. Emma brings a wealth of industry experience having worked in a broad range of roles across investment and wholesale banking. Most recently, she led Product Governance and Conduct at HSBC Global Banking & Markets. She’s held programme management roles (HSBC, JPMorgan Chase, Citibank), COO roles (HSBC), led global client service (HSBC), and been a management consultant (Deloitte). Having witnessed some of the detrimental impact of misconduct in the industry has led Emma to her passion for tackling conduct and culture issues. Contact Emma for innovative insights into conduct and culture RegTech solutions.

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Rolando Vicente Villalta

Full Stack Developer

Rolando is the lead developer for the open standards regulatory reporting product and is responsible for the development and maintenance of all the various parts of this project, including the APIs, Databases, the Front-End and DevOps. Prior to Change Gap, Rolando worked as a full-stack developer for companies such as TCS and British Airways. He also has a Master’s degree in Advanced Software Engineering from King’s College London. He joined CG to develop end-to-end projects from their early stages and to gain experience in the exciting field of RegTech. He enjoys solving real world problems with the power of tech. If you have any questions or would like to find out more about our projects or technologies , please get in contact with Rolando. 

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Nirvana Smith

Global RegTech Expert

Nirvana is working with innovative RegTech founders to help increase and accelerate the value of RegTech to deliver measurable value in international financial markets.

On announcing her work with Change Gap, this is what she had to say: “Throughout my career, I have always had to bridge the gap between Technology and Line of business, to connect the dots so that both parties understand each other.

To me Change Gap represents much of what I have striven to do in my career, they understand both sides of the coin, thus are better able to help their clients mitigate risk and achieve desired results. These strengths resonate strongly with me and that’s why I’m extremely excited to be a part of their journey.”

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Albert Liu

Head of Policy

Albert has been interpreting, writing & translating regulation, policies and procedures for decades, starting with early experiences in Japanese banks. Basel I, II, III and IV plus EBA reporting, IRB, IFRS9 and BCBS 239 are just a few of his specialist areas

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Rhia Murray

Head of Marketing and Communications

Our Head of Marketing and Communications, Rhia, is responsible for threading our purpose and mission through all our marketing, branding, communications and community activities. She brings valuable insight from her international experience in Marketing, Consulting, Finance, and Behavioural Science alongside her first-class degree in BSc International Management from King’s College London. Fascinated by human behaviour and someone who loves to build relationships, Rhia is focused on truly understanding the needs of our community and joining the dots between our community and the wider business. Contact Rhia if you want to know more about any of our content or interested in collaborating with us…

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Steve Hillman

Regulatory Reporting specialist

Steve has 30 years experience in the financial services industry, including Accounting, Back, Middle and Front offices – with many years spent in the Delivery Change space for business and IT programmes across Regulatory, Integration, Transformation and end-to-end architecture changes.
Steve is experienced in both Agile and Waterfall methodologies as part of project deliveries and has delivered on many Business and Data Analysis projects to comply with PRA (FSA), SEC, Fed and EBA regulations.
Steve has also participated in Working groups both as Chair and Member and project Steer Co’s.

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