About Michelle
I know where the real risks are. The ones firm’s miss until it’s too late!
I don’t just understand Anti-Money Laundering compliance. I helped shape it.
As a former AML Regulatory Manager at the SRA, I know exactly what the regulator looks for during AML inspections and reviews because I was one. I've led thematic reviews, shaped AML policy and overseen frameworks across the legal profession. My perspective is practical, grounded in real world regulatory enforcement and focused on preventing costly mistakes.
Through MCAC Consultancy, I partner with ambitious mid-sized and large law firms that refuse to settle for box-ticking compliance. I help you achieve:
Clarity - so your teams know exactly what good looks like
Confidence - so you can face regulators without anxiety
Credibility - ensuring compliance stands up to scrutiny
Availability is intentionally limited to ensure the highest quality of service for each client.
Why work with Michelle
Former SRA auditor
I close the compliance blind spots regulators actually look for before they become headlines.
Results that matter
Whether it’s cutting regulatory risk, streamlining onboarding, or embedding lasting AML resilience, my work helps firms achieve what matters most, confidence under scrutiny.
Risk-driven strategy
I design AML frameworks that go beyond compliance. Proportionate, defensible, and future-proof systems that keep firms three steps ahead of the regulator.
AML Audit Services
Regulation 21 Independent Audits
A regulation 21 audit is not a tick-box exercise - it’s a strategic safeguard.
Having conducted hundreds of AML audits on behalf of the SRA, I bring unmatched insight into what regulators expect and where firms most often fall short.
My audits don’t just meet the requirements of Regulation 21 of the Money Laundering Regulations 2017 (as amended), they’re built to withstand scrutiny from the very bodies that enforce them.
My audits are designed to:
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Evaluate the adequacy and effectiveness of your AML policies, controls, and procedures
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Recommend targeted improvements to strengthen your AML framework
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Monitor your firm’s implementation and ongoing compliance with those recommendations
Every audit I deliver is proportionate, defensible, and tailored to your firm’s unique risk profile providing clarity and confidence where it matters most.
If you’d like to discuss what an independent audit entails, get in touch to arrange a confidential conversation.
Find and fix the gaps before the SRA does
An AML gap analysis audit isn’t mandatory. But for firms serious about risk management, it’s indispensable.
If you have never had an SRA AML inspection, this is your insurance policy.
Designed to identify and eliminate vulnerabilities in your AML framework, this audit acts as a pre-emptive strike ensuring your firm isn’t caught off guard when the regulator comes knocking. It’s not just about compliance; it’s about control.
As someone who helped design the very standards your firm is measured against during my tenure at the SRA, I know precisely where the gaps lie—and how the regulator finds them.
Why Invest in a Gap Analysis Audit?
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Regulatory fines are rising: The average AML penalty last year was £17,431. Prevention costs a fraction of that.
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Protect your reputation: In a competitive market, client trust is everything. Don’t let compliance concerns erode it.
If you would like to discuss what a gap analysis audit entails get in touch to arrange a confidential conversation.
Custom AML Advisory
Expert Support When It Matters Most
When the stakes are high, firms turn to MCAC for precise, regulator-grade advice.
Whether you’re facing a complex AML issue or preparing for scrutiny, I provide targeted, one-off consultancy that delivers clarity, confidence, and control, exactly when you need it.
Having helped shape AML standards during my time at the SRA, I bring practical insight into how regulators think, act, and decide.
Speaking engagements
Trusted Voice in AML Compliance
With years of frontline regulatory experience at the SRA, I’ve spoken extensively at industry events, including as a regular presenter at the SRA’s annual COLP/COFA Compliance Conference. I bring clarity to complex AML and governance issues, translating regulatory expectations into actionable insights for legal professionals.
I offer tailored keynotes, workshops, and panel contributions on topics including:
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Anti-Money Laundering compliance and risk management
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Regulatory expectations and enforcement trends
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Governance responsibilities for COLPs, COFAs, and MLROs
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Emerging challenges in legal sector compliance
My presentations are designed to inform, engage, and equip audiences with practical guidance they can implement immediately.
To discuss your event or secure a speaking engagement, please complete the contact form. I’ll respond with availability, topics, and rates
Latest Speaking Events
Law Society Economic Crime Conference - 23 September 2025
Law Society webinar - 24 March 2026
Contact
Feel free to reach out to us for any enquiries or to schedule a consultation. We are here to assist you.