RPM Capital Advisory Group partners with banks, insurers, and asset managers to navigate transformation, regulatory change, and capital allocation at institutional scale. We don't pitch. We diagnose.
"The institutions that convert regulatory change into competitive advantage are the ones with the right advisory partner — before the mandate, not after."
RPM Capital Advisory Group was established to address the gap between generalist consulting and deep BFSI domain expertise. We operate at the intersection of regulatory intelligence, capital strategy, and technology transformation — where the decisions have the highest consequence.
Our practice spans six capabilities and five sectors, but engagements rarely stay in one lane. The most consequential mandates — a bank rearchitecting its capital stack while modernizing core systems under a regulatory deadline — require all of it simultaneously.
Begin a conversationWe do not take on engagements we cannot resource with senior expertise. Every client has a Partner in the room — not managing from a distance.
RPM Capital — Engagement Standard
Our commitment
Each practice draws on shared capital markets expertise. Most engagements span two or more practices simultaneously — that is by design, not exception.
Capital structure optimization, regulatory capital planning, ICAAP/ILAAP, and strategic capital allocation for banks and insurers. Covers Basel IV output floor modeling, CET1 trajectory design, and capital contingency planning under stress scenarios. We translate regulatory minimums into competitive capital positions.
Buy-side and sell-side financial due diligence, post-merger integration, carve-outs, and operational separation management across BFSI verticals. Our sector-specific diligence model addresses regulatory change-of-control requirements, license portability, and deposit transfer mechanics that generalist advisors consistently miss.
Enterprise risk framework design, model risk governance (SR 11-7), stress testing infrastructure, and regulatory response programs. We have embedded specialists across Basel IV, Solvency II, DORA, AML/CFT, and SEC/CFTC capital markets rules. We write the regulatory response, not just the gap assessment.
Core banking modernization, cloud-native architecture design, AI/ML deployment in underwriting and credit decisioning, and embedded finance strategy. We specialize in the regulatory constraints that make financial services technology harder than the fintech narrative suggests: data residency, model explainability, vendor risk, and auditability.
Target operating model design, finance function transformation, treasury optimization, and cost reduction programs aligned to regulatory constraints. Covers ALM strategy, liquidity management under LCR/NSFR, FTP framework design, and CFO-office capability uplift. We reduce operational drag — not headcount.
Taxonomy alignment, climate risk stress testing across NGFS scenarios, TCFD and CSRD disclosure architecture, green finance product development, and transition plan credibility assessment. We treat ESG as a financial architecture problem — because that is what regulators now require it to be.
Commercial & Retail Banking
Credit risk modernization, digital distribution strategy, branch network rationalization, regulatory capital management, and operational resilience programs under DORA and BCBS 239.
Insurance & Reinsurance
Solvency II optimization, IFRS 17 implementation, pricing and underwriting transformation, claims digitization, and IDD compliance across P&C, Life, and specialty lines.
Capital Markets & Trading
Front-office technology modernization, FRTB implementation, T+1 settlement readiness, post-trade efficiency, and prime brokerage optimization for broker-dealers and execution venues.
Wealth & Asset Management
Portfolio construction governance, MiFID II / Reg BI compliance architecture, fee compression strategy, digital advisor integration, and alternative asset operational readiness for RIAs, family offices, and multi-asset platforms.
Fintech & Payments
Regulatory strategy for scaling fintechs (bank charter, DORA, PSD3), payment infrastructure modernization, embedded finance operating model design, and institutional partnership frameworks for non-bank financial entities.
The BFSI regulatory cycle is compressing. Institutions that prepare with the right advisory support capture the competitive advantage embedded in every compliance mandate.
$780B
Basel IV EU capital shortfall
Output floor recalibrates every institution's optimization strategy
47%
Banks planning core migration by 2028
Regulatory pressure and cloud economics forcing the window closed
3.1×
BFSI enforcement actions 2022–2025
Model risk, AML/CFT, and operational resilience driving the trend
$22T
ESG AUM requiring disclosure redesign
CSRD, SFDR, and TCFD mandates driving infrastructure investment
We publish when we have something concrete to say. Our insight notes are working documents — diagnostic frameworks, decision models, and technical briefings.
The 72.5% floor lands in phases, but its strategic implications are immediate. Our diagnostic framework identifies the capital optimization decisions that cannot wait for the final implementation date.
Insurers and banks face a data infrastructure problem masquerading as a reporting mandate. These design choices determine whether CSRD disclosure becomes a liability or a capability.
Most core banking migrations fail not in planning but in execution. The failure modes are well-documented and almost entirely preventable with the right governance structure in place before go-live.
We do not propose solutions to problems we have not fully understood. The diagnostic phase is not a loss leader — it is where we earn the right to recommend.
A 60-minute structured conversation with a Partner. No pitch deck. We determine whether we can add genuine value before either party commits further time.
Two to four weeks of structured assessment. Fixed fee. Output: current-state map, gap analysis, prioritized opportunity set, and a preliminary engagement recommendation.
Target operating model and implementation road map. Fixed fee. We take responsibility for what we recommend — this document is the commitment, not a menu of options.
Senior-led implementation with milestone-linked payments. We stay engaged until the outcome — not the deliverable — is confirmed. Ongoing assurance retainer available.
| Phase | Duration | Deliverable | Fee model | Lead |
|---|---|---|---|---|
| Scoping | 60 min | Mutual fit assessment | Complimentary | Partner |
| Diagnostic | 2–4 weeks | Current-state assessment, gap analysis, opportunity map | Fixed | Partner |
| Design | 4–8 weeks | Target operating model, road map, business case | Fixed | Partner + Director |
| Delivery | 3–12 months | Implementation, change management, QA | Milestone-linked | Director + Team |
| Assurance | Ongoing | Governance oversight, performance monitoring | Monthly retainer | Partner |
Engagements begin with a structured scoping call — not a pitch. We determine mutual fit before either party commits further time. Institutional email addresses only.
Request a scoping callComplete this form and a Partner will contact you within one business day to schedule a scoping call.