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Compliance LeadershipFractional Compliance
Fractional Compliance
Officer Services UK
Hire a Fractional Compliance Officer to navigate regulatory requirements. Senior compliance leadership, regulatory expertise, and risk management—at a fraction of full-time cost.
FCA
Authorised
1-3
Days/Week
12+ Yrs
Experience
Overview
What is a Fractional Compliance Officer?
A Fractional Compliance Officer is an experienced compliance executive who works with your company on a part-time basis—typically 1-3 days per week. You get strategic compliance leadership, regulatory expertise, and risk management without the commitment and cost of a full-time hire.
Unlike compliance consultants who perform one-off assessments, a fractional compliance officer becomes your compliance leader. They build and own your compliance programme, manage regulatory relationships, drive regulatory adherence, and ensure compliance enables your business rather than blocking it. Following FCA regulatory standards and ICO data protection requirements, they bring enterprise-grade compliance practices to growing companies.
"Compliance is the foundation of trust. A fractional compliance officer ensures you meet regulatory requirements without breaking the bank."
Compliance as a Business Enabler
Many companies see compliance as a burden—something that slows things down and adds cost. A good fractional compliance officer turns this around. They implement compliance programmes that enable the business: securing regulatory approvals, building customer confidence, entering new markets, and protecting against real risks without unnecessary bureaucracy. Leveraging FCA guidance and PRA requirements, they build compliance frameworks that scale with growth.
Responsibilities
What Does a Fractional Compliance Officer Do?
Core responsibilities your fractional compliance officer will own
🎯
Compliance Strategy
Develop compliance strategy aligned with business objectives. Create roadmaps that balance regulatory requirements, risk, and business agility.
✅
Regulatory Compliance
Ensure compliance with FCA, GDPR, AML, PSD2, and other regulatory frameworks. Manage ongoing regulatory obligations and reporting.
⚠️
Risk Assessments
Conduct compliance risk assessments. Identify, evaluate, and mitigate regulatory risks before they become issues.
📋
Policy Development
Develop and maintain policies, procedures, and controls. Ensure documentation meets regulatory requirements and operational needs.
🤝
Regulatory Relationships
Manage relationships with regulators (FCA, ICO, PRA). Handle regulatory inquiries, submissions, and communications.
🔍
AML/CTF Programmes
Build and manage anti-money laundering and counter-terrorist financing programmes. Ensure KYC, transaction monitoring, and reporting compliance.
👥
Compliance Training
Develop and deliver compliance training programmes. Build compliance culture and ensure employees understand their obligations.
🚨
Incident Management
Lead compliance incident response. Manage regulatory breaches, conduct investigations, and implement corrective actions.
📊
Audit & Monitoring
Conduct compliance audits and monitoring. Test controls, identify gaps, and ensure continuous compliance improvement.
Specializations
Types of Compliance Expertise
Our fractional compliance officers specialise in various regulatory areas
FCA Compliance
Financial Services
GDPR & Privacy
Data Protection
AML/CTF
Anti-Money Laundering
Fintech
Digital Finance
PSD2/PSRs
Payment Services
E-Money
Electronic Money
Consumer Credit
FCA Regulated
MiFID II
Investment Services
SMCR
Senior Managers
Timing
When Should You Hire a Fractional Compliance Officer?
FCA Authorisation
Applying for FCA authorisation or approval. Need expert guidance to navigate the application process and meet regulatory requirements.
6-12 months before launchLaunching Fintech Product
Launching a financial services product. Need compliance expertise to ensure regulatory compliance from day one.
Before product launchGDPR Compliance
Processing customer data and need GDPR compliance. Require data protection expertise and DPO-level oversight.
Before processing dataAML Requirements
Handling payments or customer funds. Need AML/CTF programme development and ongoing monitoring.
ImmediatelyMarket Expansion
Expanding into new regulated markets or jurisdictions. Need expertise in new regulatory frameworks.
6 months before expansionRegulatory Scrutiny
Received regulatory inquiry or identified compliance gaps. Need immediate expert support to address issues.
ImmediatelyEnterprise Customers
Enterprise clients asking about compliance practices. Need professional compliance function to win deals.
Before losing dealsFundraising
Investors conducting due diligence. Need to demonstrate robust compliance practices and regulatory readiness.
3-6 months before raiseBenefits
Why Companies Choose Fractional Compliance
💰
Cost Effective
Pay only for the time you need. Typically 50-60% less than a full-time hire when factoring in salary, benefits, and overhead.
⚡
Immediate Impact
Start within days, not months. No lengthy recruitment process. Fractional officers hit the ground running with immediate value.
🎓
Senior Expertise
Access highly experienced compliance professionals you couldn't afford full-time. Get expert-level guidance at a fraction of the cost.
📈
Scales with Growth
Start part-time and scale up as needed. Flexible engagement that grows with your compliance requirements and business needs.
🔧
No Overhead
No recruitment fees, benefits, or office space. No notice period or redundancy costs. Pure compliance value without the HR burden.
🌐
Broad Experience
Fractional officers work across multiple companies. They bring best practices, regulatory insights, and proven approaches from diverse contexts.
Calculator
How Much Does a Fractional Compliance Officer Cost?
Compare the cost of fractional vs full-time compliance officer
Typical Day Rates
£700/day
Junior/Mid-Level
3-7 years experience
£850/day
Most Common
8-12 years experience
£1,000/day
Senior/Specialist
12+ years experience
Fractional CMO Earnings
Calculate Your Potential Income
£950
£700Avg: £950£1400
2.5 days
1 day5 days
2 clients
14
Weekly
£4,750
Monthly
£20,568
Annual
£228,000
Based on 2.5 days/week x 2 clients x 48 working weeks. CMO UK average day rate: £950.
BetaThis calculator provides rough estimates for illustration only. Actual rates and salaries vary based on location, experience, industry, and market conditions. Consult with a qualified accountant for accurate financial planning.
Comparison
Fractional vs Interim vs Full-Time Compliance Officer
| Feature | Fractional Compliance Officer | Interim Compliance Officer | Full-Time Compliance Officer |
|---|---|---|---|
| Commitment | 1-3 days/week | Full-time (temporary) | Full-time (permanent) |
| Duration | Ongoing (6+ months typical) | 3-12 months | Permanent |
| Cost | £3,000-£6,000/week | £8,000-£12,000/week | £150,000-£250,000/year + benefits |
| Focus | Strategic + operational | Gap-fill or transformation | All responsibilities |
| Flexibility | Scale up/down as needed | Fixed term contract | Limited flexibility |
| Best For | Growing companies, specific expertise needs | Leadership gaps, major transitions | Large orgs with full-time need |
Process
How to Hire a Fractional Compliance Officer
1
Brief
Tell us about your needs, company stage, and what you're looking for in a fractional executive.
2
Match
We curate a shortlist of pre-vetted fractional executives who match your specific requirements.
3
Meet
Interview your top candidates. We handle scheduling and provide interview frameworks.
4
Start
Your fractional executive begins within days. We support onboarding and ongoing success.
1
Brief
Tell us about your needs, company stage, and what you're looking for in a fractional executive.
2
Match
We curate a shortlist of pre-vetted fractional executives who match your specific requirements.
3
Meet
Interview your top candidates. We handle scheduling and provide interview frameworks.
4
Start
Your fractional executive begins within days. We support onboarding and ongoing success.
FAQ
Frequently Asked Questions
A Fractional Compliance Officer is an experienced compliance executive who works with your company part-time, typically 1-3 days per week. You get expert compliance leadership, regulatory expertise, and risk management without the cost of a full-time executive.
Consider hiring a fractional compliance officer when: you need FCA authorisation; you're launching a fintech product; you're expanding into new regulated markets; you need GDPR or AML compliance expertise; customers are asking about your compliance practices; or you need to build a compliance programme from scratch.
Fractional Compliance Officers typically charge £700-£1,000 per day in the UK. At 2 days per week, this translates to roughly £70,000-£100,000 annually—compared to £120,000-£200,000+ for a full-time compliance officer.
A Fractional Compliance Officer develops compliance strategy, manages regulatory relationships, leads compliance programmes (GDPR, AML, FCA), conducts risk assessments, develops policies and procedures, delivers compliance training, and advises the board on regulatory matters.
Yes—FCA authorisation is one of the most common reasons to hire a fractional compliance officer. They can assess your readiness, develop required policies and controls, prepare application materials, manage the authorisation process, and ensure you meet ongoing regulatory obligations.
Fractional compliance officers typically specialise in areas such as: Financial Services (FCA, PRA); Data Protection (GDPR, Data Privacy); Anti-Money Laundering (AML/CTF); Fintech Compliance; Payment Services; Healthcare (HIPAA); or cross-industry regulatory compliance.
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Fractional Compliance Officer?
Tell us about your compliance challenges and we'll match you with pre-vetted fractional compliance officers who have navigated them before.