PSR Compliance Risk Register with Heat Mapping
17 risk categories including safeguarding, SCA, and agent oversight. PSR-adjusted impact scoring with Client/Safeguarding column. Board-ready from the first entry.
Excel (.xlsx) • No macros • Microsoft 365, Excel 2016+, Google Sheets
Generic Risk Registers Fail Payment Services Firms
Standard templates cover conduct, financial crime, and data protection. All relevant. But they miss the 6 risk categories that define your regulatory framework.
Safeguarding is Missing
The FCA’s number one PSR priority is not a category in generic registers. Client fund safeguarding risks need dedicated assessment with impact scales that reflect the asymmetric consequences of fund exposure.
PSR Obligations Ignored
SCA requirements, agent registration, capital adequacy monitoring, operational security incident reporting, payment services disclosures — none of these fit neatly into generic categories.
Wrong Impact Scales
A £50,000 regulatory fine and a £50,000 safeguarding shortfall are not the same risk. Generic impact scales that measure financial loss in broad terms underweight your most critical exposures.
6 Categories Only Your Firm Needs
These categories are mapped to specific provisions in PSRs 2017 and EMRs 2011, with dedicated risk identification prompts and regulatory references.
Safeguarding
End-of-day safeguarding, fund segregation, reconciliation frequency, safeguarding method adequacy, annual audit compliance.
Operational Security
Security incident classification, major incident reporting to FCA, fraud monitoring adequacy, proportionate security measures.
Strong Customer Authentication
SCA application, exemption criteria documentation, transaction risk analysis, dynamic linking compliance.
Agent & Distributor Oversight
Agent registration, due diligence documentation, ongoing monitoring, passporting notification compliance.
Capital Adequacy / Own Funds
Minimum own funds compliance, Method A/B/C calculation accuracy, monitoring frequency, capital forecasting.
Payment Services Disclosures
Framework contract requirements, execution time disclosures, charges transparency, exchange rate information.
Client/Safeguarding Impact Scale
Generic impact scales underweight safeguarding risks. This scale ensures client fund exposure is assessed with the severity it demands.
7 Worksheets. One Complete PSR Risk Framework.
Executive Dashboard
Auto-populating heat map with PSR categories highlighted separately. Risk counts, summary metrics, and board-ready visualisation.
Risk Register PSR Enhanced
50 rows with auto-calculating scores. 10 PSR-specific sample risks pre-populated. Blue highlighting and star icons mark PSR categories.
Action Tracker
Mitigation actions with priority, owners, dates, and status. Linked to identified risks for accountability.
Scoring Methodology PSR Adjusted
5×5 matrix with dedicated Client/Safeguarding Impact column. Calibration guidance for payment services context.
Risk Categories 17 Categories
11 standard plus 6 PSR-specific categories mapped to PSRs 2017, EMRs 2011, and FCA requirements.
Risk Identification Prompts PSR Prompts
Structured prompts for all 17 categories including safeguarding reconciliation, SCA exemptions, agent registration, and capital monitoring.
Regulatory Reference PSR Exclusive
Quick-reference to PSRs 2017, EMRs 2011, RTS on SCA, MLR 2017, PRIN 2A provisions, and FCA Approach Documents.
Mapped to Your Regulatory Framework
Built for Payment Services Professionals
Authorised Payment Institutions
Full PSRs 2017 compliance including safeguarding and capital.
E-Money Institutions
EMRs 2011 requirements plus payment services obligations.
Small PIs & Small EMIs
Proportionate approach with core regulatory coverage.
RAISPs
Account information service providers under PSRs 2017.
Firms Seeking Authorisation
Demonstrate compliance readiness in your FCA application.
PSR Compliance Consultants
Deploy consistent PSR risk frameworks across your client base.
Standard vs PSR Version
| Feature | Standard (£149) | PSR (£199) |
|---|---|---|
| Standard risk categories | ✓ | ✓ |
| 5×5 scoring matrix | ✓ | ✓ |
| Auto-calculating heat map | ✓ | ✓ |
| Action tracker | ✓ | ✓ |
| Board-ready dashboard | ✓ | ✓ |
| 6 PSR-specific risk categories | — | ✓ |
| Client/Safeguarding impact scale | — | ✓ |
| 10 PSR sample risks | — | ✓ |
| PSR risk identification prompts | — | ✓ |
| Regulatory Reference tab (PSRs/EMRs) | — | ✓ |
| Total risk categories | 11 | 17 |
Questions
How does this differ from the standard Risk Register?
The standard version has 11 risk categories for general FCA firms. This PSR version adds 6 specialist categories (Safeguarding, SCA, Agent Oversight, Capital Adequacy, Operational Security, Disclosures), a Client/Safeguarding impact scale, 10 PSR-specific sample risks, PSR risk prompts, and a Regulatory Reference tab mapped to PSRs 2017 and EMRs 2011.
Is this suitable for Small PIs and Small EMIs?
Yes. The template is designed to be proportionate. Not all 17 categories will apply to every firm — use the ones relevant to your authorisation type and scale. The prompts help you determine which risks apply.
Can I use this for an FCA application?
Absolutely. Firms applying for PI or EMI authorisation can use the populated risk register to demonstrate compliance readiness and a structured approach to risk management in their application.
Is the PSR Foundation Kit a better option?
The PSR Foundation Kit (£449) bundles this risk register with a PSR-specific Regulatory Horizon Scanning Playbook and Quick-Start Implementation Guide. If you need both risk management and horizon scanning, the bundle saves you money.
What if my firm provides both payment and non-payment services?
This version covers all 11 standard compliance risk categories alongside the 6 PSR-specific ones. You get complete coverage for both payment services and general regulatory obligations in one workbook.
How often should I review the risk register?
Quarterly at minimum, with ad-hoc reviews triggered by significant regulatory changes, new FCA Dear CEO letters, enforcement actions, or changes to your business model or service offering.
Your Regulatory Framework.
Your Risk Register.
17 categories. PSR-adjusted scoring. Safeguarding-weighted impact scale. Built for the way your firm is actually regulated.
Buy Now — £199Instant download • Fully editable • Lifetime access
