Comprehensive Credit Reporting & Hardship Indicators: From Data to Better Decisions. CCR adds positive repayment data; hardship flags highlight customers who need support. OCG helps lenders govern data end-to-end, incorporate signals into scorecards and rules, and build assurance and MI that prove fair, consistent outcomes, strengthening affordability, collections and regulatory confidence.

Payments System Modernisation & PSP Licensing: From Perimeter Risk to Competitive Advantage. Australia’s payments reforms expand the regulatory net to digital wallets, BNPL, gateways and other PSPs, reshaping licensing, outsourcing and risk expectations. OCG helps banks, payments providers and fintechs map payment functions to the new framework, design licensing and entity strategies, uplift controls for scams and resilience, and deliver board-ready implementation plans that turn compliance into an edge.

AML/CTF Tranche 2 & Beneficial Ownership: Getting Ahead of Australia’s Next Reform Wave. Australia’s AML/CTF regime is evolving, with Tranche 2 proposals and beneficial ownership reforms set to expand obligations and raise expectations for financial crime risk management. Learn how OCG helps banks, super funds, wealth and asset managers, insurers, platforms, brokers, payments firms and fintechs assess the impact, uplift EWRAs and CDD/EDD, improve ownership data and monitoring, and build financial crime programmes that are practical, defensible and ready for the next phase of regulatory change.

Australian Sanctions Compliance: Integrating Sanctions into Financial Crime Risk Management: Australian financial institutions face growing expectations to manage sanctions risk alongside AML/CTF and broader financial crime obligations. Discover how OCG helps banks, insurers, super funds, platforms, brokers and fintechs design sanctions risk assessments, tune screening and investigation workflows, align with DFAT and international regimes, and provide boards with the MI and assurance they need to oversee sanctions exposure confidently.

Australian Credit Licence (ACL): Scope, Evidence, Approval. Your ACL shapes how you bring credit products to market. OCG designs defensible licence scopes, Responsible Manager coverage, and evidence-rich policies/monitoring so applications, variations, and expansions progress smoothly, reducing risk, speeding approvals and enabling scale across credit provision, assistance and intermediated models.

CPS 511 Remuneration: From Policy to Outcomes That Stand Up to Scrutiny. APRA’s remuneration standard ties reward to risk, conduct and customer outcomes. OCG helps boards design risk-balanced scorecards, implement deferral/malus/clawback, and build evidence-rich MI and assurance so remuneration decisions are fair, defensible and aligned to long-term resilience.

CPS 220 Risk Management: From Policy to Practical Control. CPS 220 sets the baseline for risk governance across APRA-regulated institutions. Discover how OCG designs risk appetite statements, operating models, control libraries, KRIs and assurance maps, plus MI that decision-makers actually use, so you meet prudential expectations, reduce remediation risk and build resilience across financial and non-financial risks.

Australia’s move to ISSB-aligned climate reporting raises expectations for boards and risk teams. OCG helps financial institutions design operating models, standardise data and methodologies, run scenario analysis, and prepare assurance-ready evidence, aligning disclosures with strategy, product governance and anti-greenwashing controls to build trust with investors and regulators.

Transparent fees and costs are central to consumer trust and product comparability. OCG helps super funds and investment managers operationalise RG 97, standardising calculations, governing data from external managers, aligning PDS/website/adviser materials, and embedding QA and assurance, so disclosure stays accurate, consistent and resistant to challenge.

Your AFS licence determines what you can offer and how fast you can grow. OCG designs defensible licence scopes, Responsible Manager coverage and evidence-rich policies/monitoring so applications, variations and expansions progress smoothly, reducing risk, speeding approvals and enabling scale.

Unsolicited selling is a conduct red flag. OCG helps financial institutions design consent journeys, script libraries, QA/monitoring, and safeguards for vulnerable customers that keep outreach relevant and compliant, reducing complaints and remediation while supporting DDO-aligned, customer-centred growth.

UCT rules raise the bar on fairness in standard-form contracts across financial services. Discover how OCG helps you inventory legacy templates, embed balanced clause patterns, govern digital terms, and run assurance that prevents unfair terms from creeping back, reducing disputes, strengthening product governance, and building customer trust.

Remediation is a test of culture and compliance. OCG helps firms design and run remediation programmes, data scoping, calculations, customer engagement, and assurance that are transparent, defensible, and fair, turning regulatory obligations into opportunities to rebuild trust.

Responsible lending is central to trust and licence obligations. OCG helps lenders design robust RLO frameworks, verification, credit models, decision evidence, and assurance that reduce remediation risk, improve customer outcomes, and meet ASIC’s expectations without slowing down business.

BID and advice conduct obligations demand evidence of client-first thinking, sound discovery, clear strategy, considered alternatives, transparent fees/risks, and plain-English SOAs. See how OCG’s advice frameworks, FRaaS, and QA/MI convert policy into consistent practice, reducing remediation risk, improving client outcomes, and strengthening licence defensibility.

RG 146 underpins competent advice and licence obligations. See how OCG builds role-based competency matrices, authorisation workflows, and CPD linked to file review insights, plus monitoring and supervision that deliver measurable uplift, so your advisers are truly qualified, your files are defensible, and customers receive better outcomes.

Financial institutions depend on complex vendor ecosystems. OCG helps you map critical services, hard-wire contractual controls, and run evidence-rich assurance, spanning cloud and fourth-party dependencies, so outages are contained, customers are protected, and boards gain confidence that CPS 230-level resilience truly covers your supply chain.

The NDB scheme demands fast, defensible decisions when privacy incidents occur. See how OCG equips financial institutions with playbooks, eligibility frameworks, customer-first notifications, and evidence-rich assurance, coordinated with CPS 234 and operational resilience, so you reduce harm, meet regulatory expectations, and preserve trust.

Wholesale classification shapes disclosure, product governance, and conduct obligations for AFSL holders. Learn how OCG designs defensible eligibility frameworks, decision trees, certificate controls, experience assessments, and DDO-aligned monitoring, so you reduce misclassification risk, prevent out-of-market sales, and protect customers and your licence.

ASIC’s crackdown on greenwashing demands precise, substantiated ESG statements. Learn how OCG helps firms operationalise credible claims, linking product design, TMDs and monitoring to defensible data, third-party oversight, and ongoing assurance, so sustainability messages stay accurate, customer-centred and compliant across all channels.