Business & Entity Transformation (BET)

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Offerings and Services

Our team is composed of former regulators, industry practitioners, and other seasoned professionals who understand and apply regulatory experience. We combine our breadth of knowledge, as well as a suite of industry-tested tools and accelerators to help you navigate your strategic initiatives. The key differentiation is these services are offered with regulatory, risk, and compliance front and center.

  • Legal entity, governance, and capability management

    What does Trust mean within the context of your industry and sector? We work with organizations to capture the initial perception of Trust within their walls, then determine if and how these perceptions differ across departments, business units, and/or geographies where they operate. We start to develop an understanding of what Trust expectations exist in the eyes of different stakeholders.

  • Regulatory mergers and acquisitions (M&A)

    The next step is making Trust measurable. To that end, we’ve developed a set of Trust measurement capabilities that assess:

    • Actions an organization can take to elevate levels of Trust

    • Calculation of point-in-time levels of Trust with key stakeholders

    After collecting and analyzing data, the results are juxtaposed with industry and sector benchmarks, ultimately providing a detailed, quantitative assessment of Trust, including gaps, strengths, and opportunities for that enterprise.

  • New entity licensing and product launch

  • Risk and advisory transformation

How can we assist you in optimizing and addressing legal entity regulatory expectations given your desired business model strategy, including deposit and funding optimization efforts?

  • Legal entity and booking model
  • Legal entity governance
  • Legal entity capability management

Help organizations understand and define booking and legal entity strategy, optimizing how they book and use legal entities and implementing an industry-leading controls and governance structure to drive legal entity rationalization.

Assist organizations in meeting implicit and explicit regulatory expectations for board and management legal entity governance practices as well as ensuring the effectiveness of efforts (e.g., reporting).

Prepare financial institutions for crossing asset thresholds, triggering new regulatory expectations (e.g., $10B, $50B, $100B, $250B) across a range of regulations (e.g., Reg YY, CRA, Durbin Amendment, Basel III, CCAR) and related capability and management uplift.

Our services can assist you through all phases of the M&A transaction life cycle, including diligence, pre-merge or separation considerations, and post-close activities, to help you understand, plan, implement, and address evolving regulatory, risk, and compliance expectations.

  • Transaction strategy, readiness, and diligence
  • Closing and integration/separation strategy
  • Post-close and full entity integration

Prior to deal announcement, we can help you prepare for your transaction by understanding capabilities, risks, cost/synergy opportunities, and other due diligence required to assist operational and regulatory readiness and overall feasibility.

After deal announcement, we can assist you in creating an end-to-end integration or divestiture strategy and standing up an Integration Management Office (IMO) to centrally manage through each phase.

After deal announcement, we will assist you in defining LD1 and full-integration operating models, with detailed plans to achieve each.

Our experienced team can provide end-to-end services to assist your business strategy objectives of expanding through a new product or obtaining a range of new legal entity licenses, including trust, bank, branch, payment, and finance company licenses.

  • New product licensing and setup
  • We can assist each phase of your journey, from business plan development, to regulatory and risk advice, to system implementation.
  • Our Regulatory and Industry team offers viability, design, execution, and operate services across key domain areas to assist your product launch or license application.

We have assisted clients in transforming their business model and strategy through IPOs, cost reduction, digital banking capabilities, and more while maintaining regulatory compliance.

  • Risk and regulatory IPO readiness
  • Risk cost transformation
  • Digital banking

Prepare your company to meet the requirements of a public company, including developing or enhancing internal regulatory compliance frameworks and establishing foundational programs for “Day 1” readiness.

Evaluate costs of your risk function by performing viability assessments, cost/benefit analyses, and process and control rationalizations.

Assist digital banking efforts with financial institutions and fintechs in launching digital banking products, and banking-as-a-service business models such as developing compliance and anti-money laundering programs, cyber and identity services, and implementation and transformation.

Legal entity, governance, and capability management
Regulatory mergers and acquisitions (M&A) support
New entity licensing and product launch
Risk and advisory transformation

Marketplace updates

  • Legal entity, governance, and capability management
  • Regulatory mergers and acquisitions (M&A)
  • New entity licensing and product launch
  • Risk and advisory transformation
  • Cross-Offering / Other
Legal entity, governance, and capability management

We help clients address structural challenges, including where and how a firm books client and intercompany transactions, and how they use existing licenses and legal entities. We can help you navigate LE regulatory expectations, tailored to your particular business model. We are focused on helping our clients meet implicit and explicit expectations of key asset thresholds, and have assisted clients in obtaining significant financial and nonfinancial benefits.

Let's talk about what you're talking about

Irena Gecas-McCarthy

Principal

Deloitte & Touche LLP

igecasmccarthy@deloitte.com

+1 212 436 5316

Richard Rosenthal

Principal

Deloitte & Touche LLP

rirosenthal@deloitte.com

+1 212 436 7587

Contact us

Connect with us for more insights to help you adapt to regulatory developments.

 
 
 
 
 
 
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