Our Client

The client was a leading global investment bank serving corporate, institutional, and financial clients across multiple markets. Its investment banking operations managed complex cross-border transactions across multiple legal entities and more than 25 investment banking product families. The bank’s Centralized Management Environment (CME), built on Microsoft Dynamics, enabled bankers to structure, validate, and book transactions. As regulatory requirements evolved, the bank needed integrated compliance capabilities without compromising operational efficiency or the banker experience.

Challenges

The bank faced significant operational challenges as it prepared for CRD VI Article 21c:

• Manual reverse-solicitation audits: Bankers had to manually collect and document evidence when EU prospects-initiated contact, adding compliance work to frontline activities.
• Loss of outbound pipeline: Relationship managers in the UK, US, Asia, and other non-EEA markets had to remove EU-based multinationals from active outbound sales pipelines, restricting business development.
• Cross-border deal disruption: Without automated routing to navigate CRD VI requirements, cross-border deal execution stalled across jurisdictions.
• Manual report compilation: Bankers spent significant desk time querying client data and compiling information for enhanced risk disclosures.
• Rising administrative overhead: Frontline teams shifted time from relationship management to data entry and compliance activities, reducing capacity for deal execution.

These pressures also created material revenue exposure. Traditional frontline deals, including advisory, broking, and corporate finance underwriting, fell under Net Fee Income, which totaled £1,227 million across the bank’s segments in 2025. Similar 2026 revenue was exposed to CRD VI-related disruption.

LTM's Solution

LTM deployed a centralized CRD VI validation solution that connected the bank’s deal origination and compliance ecosystem. It unified regulatory validation, documentation, approvals, and compliance tracking through a guided digital experience while minimizing disruption to existing business processes.

The solution enabled bankers to assess deals against CRD VI Article 21c requirements, identify applicable exemptions, and determine booking strategies based on client jurisdiction and regulatory obligations. It integrated with the Centralized Management Environment (CME), Titan, and Deal Creation Platform (DCP), allowing bankers to complete compliance activities within existing workflows.

Dynamic workflows guided regulatory decision-making and validated exemptions and booking strategies against local EEA regulations. The platform captured supporting evidence, business justifications, and regulatory documentation before securely routing them to legal, risk, and compliance systems for review and approval.

Sensitive client information was automatically redacted before downstream processing, while compliance responses were synchronized back to the deal origination platforms. This provided end-to-end visibility and traceability across the approval lifecycle. The solution also supported standalone access when integration timelines required greater deployment flexibility.

Together, these capabilities created a consistent compliance experience across jurisdictions while keeping regulatory activities within established banker workflows. The approach strengthened governance, reduced manual intervention, and supported compliant deal execution at global scale.

Business Outcomes

The modernized framework strengthened regulatory readiness and improved operational efficiency across global investment banking operations.

• 12,000 bankers supported for CRD VI Article 21c readiness
• 53 countries and markets standardized on one compliance platform
• Deal pipelines protected from disruption
• Manual effort reduced through automated validation and documentation
• Regulatory risk reduced through standardized, auditable processes
• Booking decisions clarified across multiple jurisdictions
• Approvals unified across legal, management, risk, and compliance
• Client experience improved through faster, more consistent compliance processes

LTM combined investment banking workflow expertise with intelligent regulatory validation to embed CRD VI compliance directly into the deal origination experience.

Rather than creating a separate compliance process, LTM connected validation, documentation, approvals, and booking decisions across the existing technology ecosystem. This strengthened governance while preserving the speed and continuity of frontline deal execution.

Conclusion

LTM helped the investment bank move from fragmented, manual CRD VI compliance to a connected digital workflow. By embedding validation, documentation, and approvals into the existing deal origination ecosystem, the solution strengthened governance while protecting deal execution and frontline productivity. It also established a scalable foundation for responding to future regulatory requirements across global investment banking operations.

Quote

“CRD VI required us to strengthen compliance without slowing cross-border deal execution. By embedding intelligent validation and guided compliance workflows into our existing deal origination ecosystem, we reduced manual effort and regulatory execution risk while giving bankers greater clarity across complex transactions.”

Kunal Mehta - Associate Director - Program & Project Management

For more information, please get in touch with eca.mbacore@ltm.com.