Experience matters when navigating regulatory complexity.

We help organisations understand regulatory expectations, manage risk effectively and implement solutions that are proportionate to their size, complexity and risk profile.

Meet Our Expert Team

Explore the dedicated professionals who drive Smart Risk and Compliance Ltd forward with expertise and passion.

Kim Smart

Founder, Smart Risk & Compliance Ltd

Kim Smart is a senior compliance, financial crime, and data protection specialist with extensive experience helping organisations build clear, proportionate, and effective control environments. She founded SmartRCL to give businesses access to practical, senior‑level support that strengthens governance without adding unnecessary complexity.

Calm, organised, and solutions‑focused, Kim is known for cutting through regulatory noise and helping teams focus on what genuinely matters. Her approach blends deep practical expertise with a modern, collaborative style – supporting organisations to operate with clarity, confidence, and good judgement.

Kim works closely with boards, senior managers, MLROs, DPOs, and compliance teams, coaching them to build capability and navigate regulatory expectations with assurance. Her belief is simple: compliance should be effective, straightforward, and aligned with how organisations really operate.

Chris Wragg

Senior Consultant, Smart Risk & Compliance Ltd

Chris is a senior regulatory and conduct risk specialist with over 30 years’ experience across UK financial services. He has worked in a range of senior compliance, regulatory advice, and operational risk roles, helping organisations understand FCA expectations and strengthen their control frameworks.

Known for his calm, pragmatic and solutions‑focused approach, he supports teams in turning regulatory requirements into clear, workable processes. His experience spans retail banking, mortgages, insurance, and commercial banking, giving him a deep understanding of how regulatory obligations translate into day‑to‑day operations.

He provides trusted regulatory advice, proportionate oversight and practical support that helps organisations navigate complexity with confidence.

Why Should Clients Choose Us?

Clear, senior expertise delivered with calm, practical judgement. You should choose us if you want compliance, financial crime and data protection support that’s grounded in reality, not theory. We focus on what really matters and remove unnecessary complexity. Deep experience delivered without the cost or formality of big consultancies.

“I worked alongside Kim over 3 years at a medium size Building Society. Kim was a professional in her remit under SMF16 and SMF17. She has a strong understanding of all across Data Protection, Regulatory Risk, Conduct Risk and Financial Crime. Operating in the first line meant regular interactions with Kim and these were all of quality and fact based. Kim is able to understand complex matters and draw out the pertinent matters to be considered. She was also able to consider matters and issues clearly and provide clear views on how these should be addressed under her ‘advisory’ remit..

Rudolf Heaf FCIB

Operations Director I Operational Resilience I New Bank Mobilisation

“Having worked with Kim, I can confidently say she is an exceptional leader in Compliance. She genuinely listened to feedback, valued different perspectives, and encouraged constructive discussion to achieve the best outcomes.

Her extensive knowledge in compliance regulations and the FCA Handbook is invaluable. She consistently provided expert guidance and support helping to strengthen our monitoring reviews. Kim is a highly knowledgeable, collaborative and respected compliance professional.”

Monica Mistry

Compliance monitoring, customer focussed, advisory

“In the time Kim has managed me and I have improved vastly! Kim is a great coach, leader and is expertly knowledgeable in her area of Compliance

Cannot recommend her highly enough.”

Emma Young

Senior Financial Crime Advisor & DMLRO

“Kim is a highly motivated and driven Risk and Compliance professional with vast technical knowledge across a broad range of Risk and Compliance subject areas. She has a huge amount of experience with skills to create and implement compliance policies and procedures and to provide regulatory support to any business. Working in conjunction with operations she provides excellent stakeholder support and can lead, develop and motivate staff. Thank you for all your help and support.”

Tracey Lloyd

Head of Conduct Risk at Tipton & Coseley Building Society

“An excellent professional, with exceptional technical knowledge and expertise. A proven ability to link her regulatory expertise to business strategy. Kim is a consummate professional..”

Angela Foster

Global Data Privacy and Regulatory Compliance – HSBC Global- Group Communications.

Let’s Work Together

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Compliance that protects your customers, supports your ambitions and fits the reality of your organisation.

We specialise in helping smaller and growing businesses build strong, proportionate compliance foundations. Our work is grounded in practicality, clarity and a deep understanding of what early‑stage and scaling organisations actually need to stay safe, compliant and confident.