Every mandate at R&M is led and delivered by people who have done the work at the highest level — not advised from a distance, but owned it, executed it, and been accountable for the outcome.
"Thirty years in banking teaches you one thing above all: risk management is not about saying no. It is about knowing when and how to say yes responsibly."
Adnan Asrar Siddiqi is the founder and Managing Consultant of R&M Business Consultants Limited. With over 30 years of senior international banking experience, he has built a career defined by taking on the mandates others find complex — post-regulatory rebuilds, portfolio turnarounds, cross-border market entry, and enterprise risk transformation.
His banking career spans institutions across the UK, Pakistan, the Middle East, France, Switzerland, the Netherlands, and Sub-Saharan Africa. As a consultant, he has delivered advisory mandates across Turkey, Saudi Arabia, Azerbaijan, Ukraine, Italy, Portugal, and Ireland — working with financial institutions, real estate developers, fintechs, pharmaceutical companies, and consumer businesses.
Most recently, Adnan served as Deputy Director at Innovate UK (UKRI), where he held a seat on the organisation's Executive Committee alongside the CIO, CFO, and fellow Deputy Directors — providing strategic oversight of credit risk and portfolio governance for a government-backed SME lending programme.
Earlier, at HBL Bank UK, he led the post-S166 transformation of the bank's credit risk framework over nearly eight years, reducing legacy non-performing loans by over 90% through disciplined restructuring and a complete reset of the institution's credit culture.
Adnan has held seats on Executive Committees, Management Committees, Credit Committees, and Board Risk Committees across multiple institutions, advising Boards and CEOs with independent challenge and clear risk insight. He is a Fellow of the London Institute of Banking and Finance and holds an MBA in Finance from Southeastern University, Washington D.C.
He is fluent in English, French, and Urdu, and operates comfortably across international and multicultural business environments.
R&M works with a carefully selected group of Partner Consultants who bring complementary expertise to specific mandates. Engagement is always at senior level — the same standard we apply to every client interaction.
"Sustainable growth is only possible when compliance and business strategy move together — not in opposition."
Ch Naeem Yasin is a Partner Consultant at R&M Business Consultants Limited, contributing senior expertise to select mandates on a project basis. With over 30 years of experience in banking, financial services, and regulatory compliance, he brings a rare combination of front-line business leadership and deep regulatory expertise that few practitioners can match.
Naeem's career spans some of the most respected institutions in international banking — from Standard Chartered and ANZ Grindlays in the early years, through senior leadership roles at ABN AMRO, Royal Bank of Scotland, and Faysal Bank, to UK-based roles at United Bank UK and, most recently, Director of Compliance positions at System Pay Services Limited and UK NovaPay Ltd. His experience bridges the full arc from relationship management and credit portfolio leadership to FCA-regulated compliance oversight at the most senior level.
In the UK, Naeem has served as SMF16 (Compliance Oversight) and SMF17 (MLRO) under the FCA's Senior Managers and Certification Regime — carrying direct regulatory accountability for compliance and financial crime prevention across regulated payment institutions. He played a central role in securing FCA EMI licence approval for System Pay Services and contributed to that firm's successful acquisition by BVNK.
His advisory and consulting experience includes work with fintech startups, NBFIs, and SME businesses across digital transformation, FCA application processes, AML frameworks, and risk governance. He also contributed to the restructuring and re-profiling of My Community Bank's risk and compliance framework — a mandate that runs parallel to R&M's own early history with that pioneering digital banking initiative.
Internationally, Naeem led the integration of a US$210 million SME and commercial credit portfolio following the RBS acquisition of ABN AMRO Pakistan operations, and earlier scaled an agriculture business from US$4 million to US$14 million in six months at ABN AMRO. He coordinated the launch of Pakistan's first Islamic Commercial Bank at Meezan Bank, and has been involved as track leader or team member in four major M&A transactions in the banking sector.
Naeem holds an MBA and is based in London. His engagement with R&M reflects the practice's commitment to bringing the right seniority and specialism to every mandate — not a generalist resource, but a practitioner with a proven track record at the highest level.
Beyond our core team, we draw on a trusted network of specialist consultants engaged on a project basis. Each brings genuine depth in their area — not generalist capacity, but real expertise deployed where it matters most.
Credit risk, operational risk, compliance, KYC, AML, and financial crime specialists with regulated institution backgrounds.
Debt advisory, financial modelling, fundraising structuring, and P&L turnaround experts with hands-on deal experience.
UK and European market entry specialists, FCA authorisation support, and cross-border regulatory advisory.
Practical AI integration, digital transformation, and technology advisory for financial services and professional services businesses.
Property finance, fund structuring, development advisory, and investment strategy across UK and international real estate markets.
Executive search support, leadership team development, and organisational design advisory for businesses in transition or growth.
We are always open to conversations with experienced professionals who bring genuine depth in banking, finance, risk, technology, or related disciplines. If you are interested in working with R&M on a project basis, we would like to hear from you.
Get in TouchWhether you have a specific mandate in mind or simply want to explore whether we can help — we are ready to listen. All conversations are confidential and without obligation.
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