Trusted by 40+ financial institutions across the EU

Regulatory Compliance &
Financial Advisory

We help banks, investment firms, and payment institutions navigate complex EU regulatory requirements with confidence. From CSSF licensing to ongoing compliance monitoring.

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40+
Financial institution clients
12
Years of experience
6
EU jurisdictions covered
98%
Regulatory approval rate

Our Services

Comprehensive compliance and advisory solutions tailored to the financial sector.

Regulatory Compliance

End-to-end compliance programs aligned with CSSF, EBA, and ECB requirements. We design, implement, and monitor your regulatory framework to ensure ongoing adherence.

Risk Management

Enterprise risk assessment, operational risk frameworks, and stress testing methodologies compliant with CRD VI and Basel III+ standards.

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AML & KYC Programs

Anti-money laundering program design, customer due diligence procedures, and transaction monitoring systems aligned with the 6th EU Anti-Money Laundering Directive.

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Licensing & Authorization

Support for CSSF licensing applications, passporting procedures, and regulatory notifications across EU member states.

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Regulatory Reporting

COREP, FINREP, AnaCredit, and statistical reporting. Automated data quality checks and submission management for supervisory authorities.

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Training & Awareness

Tailored training programs for boards, senior management, and operational staff on regulatory obligations, compliance culture, and emerging requirements.

Regulatory Expertise

Deep knowledge across the EU financial regulatory landscape.

CSSFCommission de Surveillance du Secteur Financier — Luxembourg prudential and conduct supervision
EBAEuropean Banking Authority — EU-wide banking regulation and supervisory convergence
ECB / SSMSingle Supervisory Mechanism — direct supervision of significant credit institutions
ESMAEuropean Securities and Markets Authority — MiFID II, EMIR, and securities regulation
DORADigital Operational Resilience Act — ICT risk management framework for financial entities
PSD2 / PSD3Payment Services Directives — open banking, strong customer authentication, and payment institution licensing
GDPRGeneral Data Protection Regulation — data protection compliance for financial services
MiCAMarkets in Crypto-Assets Regulation — crypto-asset service provider licensing and compliance

About CRAS Advisory

A Luxembourg-based consultancy serving the European financial sector since 2014.

CRAS Advisory was founded to bridge the gap between regulatory expectations and operational reality in the European financial sector. Our team of former regulators, compliance officers, and risk managers brings practical insight to every engagement.

We work with credit institutions, payment institutions, investment firms, fund managers, and fintech companies across Luxembourg, Belgium, France, Germany, Ireland, and the Netherlands.

Our approach combines deep regulatory knowledge with pragmatic implementation — we don't just tell you what the rules say, we help you build the systems and processes to meet them efficiently.

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Luxembourg-Based

Headquartered in Luxembourg City, at the heart of EU financial regulation and the CSSF's jurisdiction.

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Cross-Border Expertise

Passporting, branch licensing, and cross-border regulatory coordination across 6 EU jurisdictions.

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Former Regulators on Staff

Our senior consultants include former CSSF and EBA staff who bring insider perspective to compliance challenges.

Proven Track Record

98% success rate on CSSF licensing applications. Zero findings on regulatory examinations for managed clients in 2025.

Get in Touch

Let's discuss how we can support your compliance objectives.

contact@cras.lu

14, Boulevard Royal · L-2449 Luxembourg · Grand Duchy of Luxembourg