Actuarial Calculations You Can depend on

We deliver clear, defensible FCA redress and remediation solutions, combining transparent calculation engines with senior‑led oversight. Our modular approach quantifies loss, allocates redress and evidences compliance with pace and precision, helping firms navigate regulatory obligations with confidence.

Congruent provides a fully outsourced actuarial calculation service, combining deep technical expertise with robust, scalable options. Our team handles the complexity, so you can focus on outcomes.

We support clients in the following core areas:

Redress Calculation Services

Our team helps firms meet regulatory obligations by delivering accurate, timely redress calculations across a wide range of financial products and scenarios, including:

Defined Benefit (DB) & Defined Contribution (DC) Transfer Redress
FCA-compliant calculations using appropriate methodologies and assumptions.
Endowment and Investment Redress
Loss assessments for mis-sold endowments, ISAs, and other investment products.
Structured Products and Financial Derivatives
Complex redress modelling for structured financial products.
High-Volume Case Handling
Scalable support for large remediation exercises and past business reviews.

Capital Calculation Services

Our team helps regulated firms and legal teams quantify financial exposure and set provisions for redress liabilities through robust actuarial expertise, including:

Capital Adequacy Modelling
Scenario-based assessments of potential redress exposure.
Provisioning Support
Actuarial input for financial statements and regulatory submissions.
Stress Testing and Sensitivity Analysis
Understanding the impact of assumption changes and adverse outcomes.
Regulatory Engagement
Support for FCA/PRA reviews and enforcement cases.

Supporting a Diverse Range of Clients

Pension Scheme Sponsors
Trustees and Legal Advisers
Financial Institutions
Claims Management Firms
Divorce Lawyers and Family Courts
Funeral Plan Providers

Why Choose Congruent?

Expertise. Efficiency. Assurance.

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 financial advisory and actuarial services.

Trusted by Professionals
We work with law firms, financial institutions, claims firms, and pension advisers.
Regulatory Confidence
Our calculations are aligned with FCA guidance and subject to rigorous quality control.
Scalable Delivery
From one-off cases to high-volume projects, we deliver with speed and precision.
Clear Communication
Every output is accompanied by clear documentation and audit-ready reporting.