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Regulated Radio Podcasts

Looking for digestible insights on the impact of regulation? Guess what - you found the right place. In this monthly podcast series, Deloitte’s sharpest thinkers will talk you through key public policy developments that are shaping financial services, digital markets and other industries. We’ll keep our episodes short and sweet, you have our word. So, let’s have a Regulated chat, shall we?

About the Centre for Regulatory Strategy, EMEA

The Centre for Regulatory Strategy is a source of critical insight and advice on the future of regulation, designed to assist clients to anticipate change and respond with confidence to the strategic and aggregate impact of national and international financial markets and digital markets regulation.

With regional hubs in the Americas, Asia Pacific and EMEA, the Centre combines the strength of Deloitte’s regional and international network of experienced risk, regulatory, and industry professionals – including a deep roster of former regulators, industry specialists, and business advisers – with a rich understanding of the impact of regulations on business models and strategy.

New episode

 

Episode 48: Regulatory Outlook 2025 – Buckle up
 

The 2025 edition of the annual Financial Markets Regulatory Outlook sets out the most important regulatory and supervisory themes in 2025 – both for the industry as a whole, and at the sector level.

Tune in to listen to a robust discussion between host Liam Girvan (Associate Director, EMEA Centre for Regulatory Strategy), Suchitra Nair (Partner, EMEA Centre for Regulatory Strategy) and David Strachan (Advisor, EMEA Centre for Regulatory Strategy), on the key regulatory and supervisory trends that will impact the financial services industry in 2025 – the discussion covers both, a bird’s eye view on major trends and mini dives into key issues affecting sectors.

Buckle up! the insights in this episode are intended to help C-suite individuals at financial services firms prepare for strategic decision making, risk management and implementation.

Listen and subscribe here

 

 

Episode 47: Risk culture and Governance
 

Guest speakers: Natasha De Soysa, Jess Sutherland and Ciara O'Grady.

Risk culture and Governance continue to be significant themes for the financial services industry, not just from a regulatory perspective but also because of the evolving nature of risks that impact the industry.Join host Alex Spooner on Regulated Radio as he discusses these crucial topics with Deloitte experts: Natasha De Soysa, UK Financial Services Governance lead, Jess Sutherland, UK Risk Culture co-lead, and Ciara O'Grady, Partner in our Irish practice. We discussed the key elements of a robust risk culture, its importance in an evolving risk landscape and the impact of recent regulatory changes. The panel also discusses the evolving role of governance, technological advancement and accountability regimes like SMCR and SEAR.Tune in for valuable insights on navigating the world of risk culture and governance in financial services

Listen on: Apple podcasts | Spotify | Soundcloud

 

Episode 46: The Corporate Sustainability Reporting Directive (CSRD) – key priorities for financial services firms

 

Guest speakers: Yolaine Kermarrec, Greg Lowe & Stephen Farrell

The clock to implement Corporate Sustainability Reporting Drive keeps ticking on swiftly ... How prepared are financial services firms? What makes implementing CSRD unique in complexity and is there a way of unlocking wider value via the implementation? In this episode of Regulated Radio, host Linda Hedqvist is joined by Deloitte’s foremost CSRD experts Yolaine Kermarrec, Insurance Partner, Greg Lowe, Director in Sustainable Finance and Steve Farrell, Head of ESG Assurance to discuss key challenges facing firms and some insights on where firms should be focusing at this crucial moment.

Listen on: Apple podcast | Spotify | Soundcloud

 

Episode 45: Consumer Duty What’s Next ? – (2024 and beyond)

 

Guest speaker: Kareline Daguer & Paul Fraser

The extremely wide remit of Consumer Duty has meant that firms across financial services have had their hands full over the last couple of years – but what’s next? After the July 2023 deadline, what do firms need to focus on? identifying vulnerable consumers, assessing price and value, and ensuring that robust data is available to monitor and prove good outcomes, are just a few of the things that firms will need to continue work on. In this episode of Regulated Radio, host Isha Gupta interviews experts Kareline Daguer, Director of Insurance at the EMEA Centre for Regulatory Strategy, Charlotte Wightwick Head of Conduct at the ABI and Paul Fraser, Director, and Consumer Duty lead for investment management at Deloitte on this issue.

Listen on: Apple podcast | Spotify | Soundcloud

 

Episode 44: Model Risk Management

 

Guest speaker: Ian Wilson

The Prudential Regulation Authority’s supervisory statement (SS1/23) on model risk management principles for banks is due to take effect from 17 May 2024. Given that the statement was released in May 2023, banks have had some time to digest it, however careful consideration will be required to ensure that banks’ model risk governance, controls, policies, processes, and reporting meet the PRA’s expectations. In this episode of Regulated Radio, Rod Hardcastle is joined by Deloitte Partner Ian Wilson to discuss the five key principles of SS1/23, the associated challenges banks face and how banks can minimise the costs of meeting these new expectations.

Listen on: Apple podcast | Spotify | Soundcloud

 

Episode 43: 2024 Sustainability Regulation Outlook

 

Guest speaker: Magda Puzniak-Holford and Ramon Bravo Gonzalez

The 2024 Sustainability Regulation Outlook report is now live! It covers the key implications of sustainability related regulations across financial services and non-financial services. The report contains key insights on pivotal topics with crucial consequences for financial services and the real economy such as decarbonisation, greenwashing, sustainability reporting and circularity. In this episode, Isha Gupta from the EMEA Centre for Regulatory Strategy is joined by authors of the report and senior managers in Deloitte’s Sustainability Regulation Hub, Magda Puzniak-Holford and Ramon Bravo Gonzalez to discuss what firms should be focusing on to prepare for the deluge of sustainability related regulations. The trio are privileged to be joined by Jane Gimber, Head of Sustainability from Fleishman Hillard a consulting firm based in Brussels, who provides key insights on the impact that the upcoming European Parliamentary elections will have on all of this.

Listen on: Apple podcast | Spotify | Soundcloud

 

Episode 42: Financial Markets Regulatory Outlook 2024

 

Guest speaker: Suchitra Nair and David Strachan

What’s in store for 2024? What are the emerging risks and structural trends that are shaping the regulatory and supervisory agenda, and how should financial services firms respond? In this episode of Regulated Radio, Alex Spooner is joined by Suchitra Nair and David Strachan to explore these questions and a range of topics, including geopolitical risks, tech and innovation, sustainable finance, prudential reform and the Consumer Duty.

Listen on: Apple podcast | Spotify | Soundcloud

 

Episode 41: Sustainability Regulatory Outlook Report 2023
 

Guest speaker: Magda Puzniak-Holford and Ramon Bravo Gonzalez

The transition towards Net Zero and the adoption of Environmental, Social and Governance, or ESG standards, is leading to an expansion of regulatory scrutiny and calls from consumers, investors and employees for companies to play a greater role in accelerating this transition. This rapidly progressing new area of regulation is challenging business leaders to keep up with the pace of change but it is also creates new priorities for companies. In this episode of Regulated Radio, Scott Martin is joined by Deloitte's EMEA Sustainability Regulation Hub experts, Magda Puzniak-Holford and Ramon Bravo Gonzalez, to discuss how the evolving landscape of sustainability regulation is affecting companies' business strategies, operating models and financial plans, and how it can unlock opportunities to drive business value.

Listen on: Apple podcast | Spotify | Soundcloud


Episode 40: Global banking sector stress in 2023
 

Guest speaker: David Strachan and Irena Gecas-McCarthy

The global banking sector has experienced a period of instability this year. Starting in March, a string of bank failures in the United States and Europe created uncertainty in the market and raised doubts about what would happen next. In this episode of Regulated Radio, Scott Martin is joined by Deloitte's Centre for Regulatory Strategy Leads, David Strachan and Irena Gecas-McCarthy, to discuss the period of banking sector stress seen earlier this year, the immediate supervisory response to it, and the regulatory changes we may see emerge in its aftermath.

Listen on: Apple podcast | Spotify | Soundcloud


Episode 39: Greenwashing & ESG Data


Guest speakers: Magda Puzniak-Holford and Ramon Bravo Gonzalez

The 2024 Sustainability Regulation Outlook report is now live! It covers the key implications of sustainability related regulations across financial services and non-financial services. The report contains key insights on pivotal topics with crucial consequences for financial services and the real economy such as decarbonisation, greenwashing, sustainability reporting and circularity. In this episode, Isha Gupta from the EMEA Centre for Regulatory Strategy is joined by authors of the report and senior managers in Deloitte’s Sustainability Regulation Hub, Magda Puzniak-Holford and Ramon Bravo Gonzalez to discuss what firms should be focusing on to prepare for the deluge of sustainability related regulations. The trio are privileged to be joined by Jane Gimber, Head of Sustainability from Fleishman Hillard a consulting firm based in Brussels, who provides key insights on the impact that the upcoming European Parliamentary elections will have on all of this.

Listen on: Apple podcast | Spotify | Soundcloud 


Episode 38: Financial Markets Regulatory Outlook 2023 – Confronting the Polycrisis


Guest speakers: David Strachan and Suchitra Nair

How will major regulatory trends affect the financial services industry in 2023? How can leaders anticipate and respond to them effectively? In this episode of Regulated Radio, Scott Martin is joined by David Strachan and Suchitra Nair to explore these questions and a range of topics, including climate-related financial risk management, digital assets and payments, prudential capital frameworks for banks and insurers, and operational resilience.

Listen on: Apple podcast | Spotify | Soundcloud 

Episode 37: Nature and Biodiversity
 

Guest speakers: Toby Roxburgh and Simon Brennan

When discussing environmental issues in recent years, climate tends to hit the headlines. In response, many businesses are working on net zero transition plans and climate-related disclosures. However, climate is only one piece of the picture. We face interconnected environmental crises such as biodiversity loss and harmful levels of water and air pollution. From a regulatory perspective, efforts to combat these issues are arriving in various forms, including at the COP15 UN Convention on Biological Diversity held this month in Montreal, Canada. In this episode, our experts Toby Roxburgh, UK Nature and Biodiversity Lead and Simon Brennan, EMEA Sustainability Regulatory Strategy Lead, join host Scott Martin to explore what ‘nature risk’ is, how it relates to climate risk and what businesses should be doing to prepare for nature-related regulation. Tune in to learn more about how the wider nature and biodiversity agenda is rapidly coming up on climate’s coat tails.

Listen on: Apple podcast | Spotify | Soundcloud

 

Episode 36: Embedded finance - the strategic regulatory considerations for financial services firms


Guest speakers: Suchitra Nair and Richard Kibble

A growing number of financial services firms are exploring embedded finance partnerships with non-financial firms. This is prompting EU and UK financial services and cross-sector regulatory authorities to take an increasingly active interest in the risks and opportunities they present for markets and consumers. Our latest paper explores the key regulatory considerations across four key thematic areas: consumers, data, resilience, and governance and accountability, and how these will affect firms’ strategies around embedded finance. In this episode, Suchitra Nair from the Centre for Regulatory Strategy and Richard Kibble, UK Banking Leader, discuss the current embedded finance landscape, the risks, opportunities and strategic considerations for firms. Our guests then offer some predictions for what they expect to see in the embedded finance market over the next 12-months.

Listen on: Apple podcast | Spotify | Soundcloud

 

Episode 35: Building a digital assets strategy for a wholesale bank

 

Guest speakers: Suchitra Nair, Ed Moorby and Clare Jenkinson

In June we published a report intended to help wholesale banks in the EU and UK develop a digital assets strategy in the context of an evolving regulatory landscape. In this episode Deloitte’s financial services, regulatory and legal experts Suchitra Nair, Ed Moorby and Clare Jenkinson discuss some of the key considerations, both strategic and regulatory, for banks looking to build out their digital assets business.

Listen on: Apple podcast | Spotify | Soundcloud

 

Episode 34: The New Consumer Duty – raising consumer standards of care

 

Guest speakers: David Strachan, David Clements and Jake Ghanty

The Financial Conduct Authority has published its final rules for its new Consumer Duty. The Duty raises the standards of consumer protection in retail financial markets. With the introduction of a new Consumer Principle, and a set of cross-cutting rules and outcomes that support it, firms now face a significant task to meet these raised standards of consumer care. In this episode, Deloitte's regulatory, financial services and legal experts David Strachan, David Clements and Jake Ghanty share their quick take on the Duty and how they think it will shape the UK financial services sector, with guest host Joy Kershaw.

Listen on: Apple podcast | Spotify | Soundcloud

 

Episode 33: Weathering the storms – our mid-year outlook for financial services regulation
 

Guest speakers: David Strachan and Suchitra Nair

At the start of 2022, we published our Financial Services Regulatory Outlook giving our predictions for regulatory trends in the year ahead. With the momentous events of the first half of the year, it’s time to revisit them. In this episode, David Strachan and Suchitra Nair from the EMEA Centre for Regulatory Strategy discuss the major market developments that have shaped 2022 so far and what these are likely to mean for the regulation and supervision of financial services firms.

Listen on: Apple podcast | Spotify | Soundcloud

Interested in learning more? Please subscribe.

Key contact

David Strachan

Deloitte - United Kingdom
David is an Advisor for Deloitte on Regulatory Strategy. He focuses on the impact of regulatory changes - both individual and in aggregate - on the strategies and business/ operating models of financial services firms. David joined Deloitte after 12 years at the UK’s Financial Services Authority. His last role was as Director of Financial Stability, working with UK and international counterparts to deal with the immediate impact of the Great Financial Crisis and the regulatory reform programme that followed it.
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Suchitra Nair

Deloitte - United Kingdom
Suchitra is a Partner in the EMEA Centre for Regulatory Strategy and helps our clients to navigate the regulatory landscape around technological innovation. She sits on the UK Fintech Executive and leads our thought leadership on topics such as digitsation, cryptoassets, AI, regulatory sandboxes, Suptech, payment innovation and the future of regulation. She recently completed a secondment at the Bank of England, supervising digital challenger banks. Suchitra is a member of various industry working groups on innovation in financial services and has regularly featured in the Top 150 Women in Fintech Powerlist (Innovate Finance). She is a qualified Chartered Accountant and has previously worked in Deloitte’s Audit, Corporate Finance and Risk Advisory teams, where she led large-scale regulatory change projects.
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Isha Gupta

Deloitte - United Kingdom
Isha is a Manager at the Centre for Regulatory Strategy, and focuses on Investment Management. Prior to Deloitte she worked in the in-house Compliance team of a wealth manager for 4 years and has done the CISI Investment Compliance Diploma. She holds an Economics degree from the University of Edinburgh and has done the Graduate Diploma in Law and Legal Practice Course qualifications.
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