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.

ASIC’s RG271 raises the bar on complaint handling across financial services. Learn how OCG designs end-to-end IDR frameworks, triage and categorisation, timeliness controls, QA, and systemic issue management, so you meet regulatory expectations, cut AFCA escalations, and turn feedback into better products and customer outcomes.

Privacy and open-data expectations are rising across Australia’s financial services sector. Discover how OCG helps institutions operationalise consent and customer rights, embed privacy-by-design, secure CDR data flows, and evidence effective controls across first- and third-party environments, delivering compliance, customer trust, and safe innovation.

ASIC’s enhanced breach reporting regime lowers reporting thresholds and tightens deadlines, creating significant challenges for financial services firms. Learn how OCG helps institutions design effective breach reporting frameworks, embed monitoring systems, and assure compliance to meet regulator expectations and protect reputation.

CPS234: Cyber Resilience for Financial Services. Cyber resilience is a board-level priority. Discover how OCG helps firms meet APRA’s CPS 234 requirements and protect critical assets from cyber threats.

Design and Distribution Obligations (DDO): Consumer-Centred Governance. ASIC’s DDO regime is reshaping product governance. Discover how OCG helps firms design defensible TMDs, monitor distribution, and align with consumer outcomes.

FAR in focus: What “reasonable steps” really means, how to align accountability with CPS 230/234 and DDO/IDR, and how OCG builds defensible frameworks, MI and evidence packs for APRA/ASIC expectations.

AUSTRAC Compliance & AML/CTF Risk Management: Learn the core obligations (CDD/KYC, transaction monitoring, SMRs), common pitfalls, and how OCG’s risk advisory and FRaS remediation strengthen governance, reporting quality, and technology-enabled controls for regulator-ready compliance.

Learn how APRA’s CPS 230 raises the bar on operational risk management and how OCG helps firms build resilience across governance, outsourcing, and risk frameworks.