After long collaboration and strong synergies, Consilia Regulatory and Refink by Annunziata & Conso have merged to form Refink. This Regtech company specializes in organizational, governance, and legal and regulatory compliance, effectively becoming the go-to resource for all regulated intermediaries operating in the Italian and European markets.

The new cross-sector provider resulting from this merger can:

• Work with all types of regulated intermediaries (Banks, Investment Firms, Asset Management Companies, TUB 106, Payment Institutions, Electronic Money Institutions, Crowdfunding, etc.)
• Cover the full range of legal and regulatory support services, aiding the design and implementation of governance and internal control systems
• Offer full hedging of all internal control functions, even under outsourcing or co-sourcing arrangements
• Base its approach on the study and research of new and changing regulations
• Present its own hub dedicated to developing solutions to support fintech, regtech, and insurtech projects and companies, including start-ups.

In a market defined by extensive use of outsourcing, particularly for internal control functions, along with high fragmentation and a prevalence of small players, Refink stands out as a well-structured company capable of sustaining significant investments in technology, digitalization and highly skilled professionals.

The merger of two entities with 20-plus years of market experience, made up of professionals with different backgrounds and areas of expertise, has resulted in a broad differentiation of our customer base. This, in turn, ensures a broad range of different backgrounds to be brought together for mutual benefit.