Actuarial Calculations You Can depend on
Our actuaries deliver high-quality, FCA-compliant calculations across pensions, redress, and capital modelling—efficiently, accurately, and at scale.
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 across three 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) 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. - Interest Rate Hedging Products (IRHPs)
Complex redress modelling for structured financial products. - High-Volume Case Handling
Scalable support for large remediation exercises and past business reviews.
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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.
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Pension Calculation Services
Our team supports trustees, sponsors, and legal professionals with expertise on a wide range of pension-related calculations, including:
- Transfer Value Analysis
DB and DC transfer value comparisons and projections. - Pensions on Divorce
Fair and defensible valuations for pension sharing orders. - Member Benefit Calculations
Retirement, death, and transfer benefits for scheme members. - Scheme Wind-Up and Liability Management
Bulk calculations and modelling for scheme restructuring.
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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.