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About us

Congruent Actuarial and Financial Risk Consultants

Founded in 2013, Congruent provides pension, financial risk and claims management services to businesses and individuals by a team of leading actuaries and financial risk consultants. Recognised for our expertise, we are regularly called upon to provide expert witness services.

We are specialists in financial risk and application of the principles for understanding the current position and for planning purposes. This may be future needs in terms of risk mitigation / hedging or retrospective requirements for an independent valuation and risk analysis for balance sheet or regulatory reporting.

We assist in dispute and complaint resolution for both businesses and individuals when a financial product and/or service may have been mis-sold or caused a financial loss. This includes the determination of regulatory compliance within the process and/or advice and the calculation of redress.

Our services are provided in a conflict-free manner and independent from any financial product or service provider.

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Who do we help?

We assist businesses and individuals with finding solutions to their financial challenges.

Direct clients

  • Non-bank financial institutions
  • Private equity sponsors
  • Private investors
  • Real estate companies
  • Small and medium-sized enterprises (SME)
  • UK corporate entities

Professional advisors

  • Accountants (auditing, business support and forensic)
  • Financial advisors and IFAs
  • Insolvency practitioners and business recovery specialists
  • Legal advisors (e.g. solicitors or barristers)

Why choose Congruent?

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In most financial and legal matters, businesses and individuals turn to traditional professional advisors such as IFAs, accountants and solicitors. However, sometimes the subject matter is complex and requires specialist input, which actuaries specialising in financial risk are equipped to provide.

This expertise is provided directly to businesses or through professional advisors on an impartial and independent basis.

By choosing Congruent, your business receives:

  • Access to detailed actuarial knowledge and insights.
  • “Partner level” expertise and experience.
  • Conflict-free advice.
  • Competitive and affordable pricing.

We always seek to understand your objectives, values and interests, in relation to the matter in hand and provide our advice accordingly.

Transparent and fairly priced expertise

Like most professional firms, we are prepared to provide our services for fees calculated on an hourly rate based on the seniority of Congruent staff employed, plus disbursements. However, in most cases Congruent will ask a prospective client to provide sufficient information for Congruent to quote a fixed fee. A detailed Statement of Work (“SoW”) will be issued for the client’s approval. For assignments that naturally consist of two or more stages, or where later stages of the work are unclear at the outset, a fixed fee may be offered for each stage of the work, with a separate SoW for each stage.

For Financial Products and Services Complaints for businesses and for individuals, Congruent may be able to offer a contingent fee arrangement where the client pays Congruent an agreed percentage of the damages recovered. In order to be lawful the percentage must be determined on the specific facts of the case – to achieve this Congruent will request sufficient information to carry out a risk assessment (in more complex cases it will not be possible to reach this stage without an initial chargeable investigation).

VAT is added to invoices for all Congruent services (to meet legal requirements, contingent fee arrangements will include VAT).

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More information

Congruent Actuarial & Financial Risk Consultants - Corporate Brochure
Corporate Brochure for Businesses
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