Compliance Statement

Last updated: 02 March 2026

At Cerro Catedral, compliance is at the heart of everything we do.
We are committed to meeting all applicable legal and regulatory requirements to ensure the safety, security, and integrity of our money remittance services.

1. Our Regulatory Status

Cerro Catedral is:

  • Incorporated in England & Wales under Company CERRO CATEDRAL LIMITED – Company number 06627443 companies house / fca number Firm reference number 504668.

  • Authorised and registered by the Financial Conduct Authority (FCA) as a Small Payment Institution (SPI) under the Payment Services Regulations 2017 (FRN: 725986).

  • Registered with HM Revenue & Customs (HMRC) as a Money Service Business (MSB) for anti-money laundering supervision.

2. Our Compliance Commitments

We operate under strict anti-money laundering (AML) and counter-terrorist financing (CTF) regulations, including:

Customer Due Diligence (CDD) – verifying the identity of all customers using reliable and independent sources.

Enhanced Due Diligence (EDD) – applying additional checks for high-risk transactions, customers, and jurisdictions.

Ongoing Monitoring – reviewing all transactions to identify suspicious or unusual activity.

Sanctions Screening – checking all customers and beneficiaries against UK, EU, UN, and OFAC sanctions lists.

Politically Exposed Persons (PEPs) Screening – identifying and applying extra scrutiny for PEPs and their associates.

3. Data Protection & Privacy

We process personal data in compliance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.
For more information, please see our Privacy Policy.

4. Fraud Prevention

We actively work to protect our customers from fraud by:

  • Using secure systems and encryption to protect data.

  • Educating customers on common fraud risks.

  • Reporting suspicious activity to Action Fraud and relevant law enforcement agencies.

5. Customer Protection

We ensure transparency on fees, exchange rates, and transaction times before you confirm a transfer.
We have a clear Complaints Handling Procedure so you can raise concerns easily.
We will never ask for your banking passwords, PINs, or one-time passcodes.

6. Our Responsibilities as an FCA-Regulated Firm

We are required to:

  • Act with integrity, fairness, and transparency.

  • Maintain adequate systems and controls to manage risks.

  • Safeguard customer funds in accordance with UK payment services regulations.

  • Train our staff regularly in compliance, AML, and fraud prevention.

7. How to Contact Our Compliance Team

If you have any compliance-related questions or concerns, you can contact our Compliance Department:

Compliance Officer
Cerro Catedral
22 Addiscombe Road, Croydon, Surrey, England, CR0 5PE
Email: contact@cerrocatedral.co.uk

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