Regulation and licensing

Resilience Group is regulated by the Gibraltar Financial Services Commission (GFSC) and holds licences across three categories: Company Manager, Trustee & Foundation Councillor, and Fund Administrator. Regulation by the GFSC imposes statutory obligations on how we operate, hold client assets, and report to authorities — providing clients and their advisers with a framework of independent oversight.

Licensing

Licence categories

The GFSC issues licences under specific statutory frameworks. Each licence category carries its own regulatory obligations, conduct requirements, and supervisory regime.

Company Manager

The Company Manager licence governs the provision of company formation and administration services in Gibraltar. Under this licence, Resilience Group may act as registered office holder, provide corporate directors, administer the statutory books and records of Gibraltar companies, manage annual filing obligations, and carry out ongoing corporate governance for client entities. This licence is required for any person providing company management services on a professional basis in Gibraltar and is issued under the Financial Services (Company Management) Act.

Trustee & Foundation Councillor

The Trustee & Foundation Councillor licence authorises Resilience Group to act as professional trustee of Gibraltar law trusts and as foundation councillor of Gibraltar private foundations. In each capacity, the firm owes fiduciary duties to the relevant beneficiaries or objects of the structure and is subject to statutory obligations regarding the administration, record-keeping, and reporting of trust and foundation assets. Professional trustees and foundation councillors in Gibraltar are subject to AML/CFT obligations and ongoing GFSC supervision under the Proceeds of Crime Act 2015 and associated regulations.

Fund Administrator

The Fund Administrator licence authorises Resilience Group to provide fund administration services to collective investment schemes and alternative investment vehicles. This includes the calculation and publication of net asset values, maintenance of investor registers and unit/share registers, investor onboarding and AML/KYC processes, regulatory reporting (including FATCA and CRS obligations), and liaison with auditors, depositaries, and regulators. The firm has administered fund structures with aggregate NAV in excess of $800m, across both traditional asset classes and crypto-asset fund structures.

Client protections

What regulation means for clients

Independence and oversight

As a GFSC-regulated entity, Resilience Group is subject to periodic inspection and ongoing supervision by the Commission. Regulatory authorisation cannot be assumed — it requires demonstrated competence, appropriate resourcing, fit and proper principals, and satisfactory systems and controls. Clients dealing with a GFSC-regulated firm have recourse to the regulator in the event of a regulatory failure.

Client money and assets

Where Resilience Group holds client money or assets, it does so in accordance with the GFSC's client asset rules. Client funds are maintained separately from the firm's own assets and are subject to reconciliation requirements. Arrangements for holding client assets are disclosed to clients prior to engagement and set out in the terms of business.

Complaints process

Resilience Group maintains a written complaints procedure. Clients who are dissatisfied with the firm's services should first direct their complaint in writing to the firm. If the matter is not resolved to the client's satisfaction, clients may escalate their complaint to the Gibraltar Financial Services Commission. Details of the complaints procedure are available on request.

Compliance

Our compliance approach

As a regulated financial services business, Resilience Group is subject to Gibraltar's AML/CFT framework, which implements the FATF recommendations and the EU's Anti-Money Laundering Directives as adopted into Gibraltar law.

Customer due diligence

We apply a risk-based approach to customer due diligence (CDD) across all client categories. Standard CDD is applied to all new clients before a business relationship commences. Enhanced due diligence is applied to higher-risk relationships, including those involving politically exposed persons, complex ownership structures, or higher-risk jurisdictions. We do not accept clients where we cannot complete satisfactory KYC to the standard required by applicable law.

Ongoing monitoring

Client relationships are subject to periodic review and ongoing monitoring. Transaction patterns are reviewed against stated client profiles and expected activity. Where changes in circumstances or unusual activity are identified, we carry out enhanced review and, where required, submit suspicious activity reports to the Gibraltar Financial Intelligence Unit in accordance with the Proceeds of Crime Act 2015.

Regulatory reporting

As a fund administrator, Resilience Group carries out FATCA and CRS reporting obligations on behalf of the fund structures it administers. Financial institution reporting, including the preparation and submission of AEOI reports to the Gibraltar Income Tax Office, is managed as part of our standard fund administration mandate.

Internal governance

The firm maintains a qualified Money Laundering Compliance Officer (MLCO) and Money Laundering Reporting Officer (MLRO) in accordance with Gibraltar's regulatory requirements. AML policies and procedures are reviewed annually and updated in response to changes in regulation, GFSC guidance, and FATF typologies. Staff receive regular AML training.

Further information

Speak to the team

If you have questions about our regulatory status, licence categories, or compliance procedures, contact us directly or send us an email.

Contact us info@resiliencegroup.gi