Fractional Senior Advisory
Retained senior advisory for banks, regulated firms and technology providers.
NFRisk provides direct, ongoing access to senior expertise across financial crime, data and control integrity, payments, operational resilience and transformation—without requiring a full-time executive appointment or a large consulting team.
Why fractional advisory
Regulated organisations can face material decisions that demand experienced challenge, but do not require a full-time executive or open-ended consulting team. The need may be periodic, concentrated around a transformation, or broader than any single project.
Fractional senior advisory provides continuity across those decisions. It combines scheduled executive access, document and design review, programme challenge and targeted intervention within a defined retained mandate.
The proposition is not a lower-cost substitute for a permanent employee. It is access to senior international experience in a proportionate form.
Regional, specialist and mid-sized banks
Fractional banking advisory can be particularly relevant where a regional institution needs international experience, independent challenge or specialist capability that would be uneconomic to employ permanently.
NFRisk supports banks across Central, Eastern and South-Eastern Europe facing EU alignment, financial-crime improvement, payments modernisation, data-control weaknesses, operational resilience or major technology decisions.
The role can be direct to the bank, alongside a regional relationship partner, or integrated with a clearly defined technology and delivery ecosystem.
Transaction monitoring, KYC/CDD, sanctions and screening, remediation and operating-model improvement.
Requirements, architecture, reconciliation, resilience, testing, supplier alignment and readiness.
Completeness, correctness, ownership, lineage, evidence and regulatory or audit remediation.
Critical services, third-party dependencies, failure scenarios, recovery and executive assurance.
Typical mandates
The mandate is defined around the organisation's priority agenda rather than a generic allocation of consulting hours.
Challenge target states, data dependencies, controls, remediation, workflows, provider claims and implementation decisions.
Review data journeys, reconciliations, ownership, evidence, remediation priorities and AI or analytics data readiness.
Advise on requirements, scheme alignment, architecture, critical suppliers, testing, resilience and operational acceptance.
Provide recurring independent challenge of scope, decisions, risks, readiness, remediation and executive reporting.
Assess whether proposed solutions address the real problem and can operate inside the regulated environment.
Review papers, prepare decision options, strengthen governance evidence and support senior stakeholder discussions.
Retainer options
Each arrangement is tailored, but the commercial model remains explicit and controlled.
Scheduled executive sessions, document review, decision support and targeted challenge for a defined agenda.
Ongoing support across a transformation, remediation or regulatory-alignment programme.
Confidential advice to a COO, CRO, CDO, MLRO, payments leader or programme sponsor.
Ongoing support for technology and delivery providers entering or expanding within regulated financial services.
Engagement design
A fractional mandate should be flexible enough to be useful and controlled enough to remain commercially clean.
Agree the priorities, sponsor, outcomes, interfaces and areas explicitly outside scope.
Define scheduled sessions, document review, response expectations and monthly hours or days.
Use regular executive sessions, decision tracking and concise advisory summaries to maintain continuity.
Separate material diagnostics, workshops or delivery assignments from the standing retainer.
Periodically confirm that the mandate remains focused on the decisions and outcomes that matter.
What the client receives
Experience behind the offer
Senior leadership across approximately 30 jurisdictions and 38 legal entities, connecting data strategy, control evidence, remediation and governance.
Project and programme leadership from requirements and architecture through testing, implementation, recovery and warranty.
Frameworks for third-party, location and concentration risk, plus end-to-end critical-infrastructure disaster-recovery delivery.
Built international teams across Europe and Asia and previously developed a consulting business engaging approximately 20 independent consultants.
Employer and programme references describe prior personal experience and do not imply endorsement of Resolvo Advisory, NFRisk or DQIntegrity.
Frequently asked questions
It is retained access to senior expertise for a defined agenda and commitment, without appointing a full-time executive or commissioning a large consulting team.
The arrangement is tailored around a defined number of hours or days per month, scheduled sessions, review requirements and agreed response expectations.
Yes. The proposition is designed to support regional, specialist and mid-sized banks across Central, Eastern and South-Eastern Europe, including the Western Balkans, subject to the specific mandate and any local specialist requirements.
No. Fractional advisory provides senior challenge, continuity and decision support. It does not automatically assume an internal executive title, line-management accountability or unrestricted operational ownership.
Yes, where the client, role, payment arrangements and potential conflicts are explicit. NFRisk can support bank requirements, provider qualification, workshops, pilots and implementation assurance.
An initial confidential discussion establishes the priority agenda, sponsor, urgency, likely level of access and whether a retained model is more appropriate than a targeted diagnostic or project assignment.
Next step
Discuss the decisions, transformation or capability gap that requires continuity—and the most proportionate form of retained support.