Aggregator Assurance Readiness & Remediation Services

Independent assurance preparation and remediation for ACL mortgage aggregators

Our Aggregator Assurance Readiness & Remediation Service supports Australian Credit Licence (ACL) aggregators operating under the ACCC-approved Aggregator Assurance Program.

This service is designed for aggregators that have undergone, or are preparing for, bank led assurance reviews conducted by PwC.

We independently assess your governance, broker oversight, regulatory controls, loan quality, and evidence frameworks to ensure your business is audit ready, findings are remediated correctly, and compliance is sustainable beyond a single review.

Benefits of Our Aggregator Assurance Services

Audit-Ready Confidence

Prepare for PwC led assurance reviews with confidence by ensuring controls, data and documentation meet ACCC and lender expectations.

Independent Remediation Support

Receive objective, lender-independent support to address and close audit findings with defensible remediation outcomes.

Reduced Audit Risk

Strengthen control effectiveness to reduce repeat findings, escalations, and increased lender or regulatory scrutiny.

Sustainable Compliance

Move from reactive audit responses to a structured, second-line compliance capability aligned to ongoing Program requirements.

Our 5-Step Aggregator Assurance Process

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Step 1: Assurance Scoping & Readiness Assessment

We define the scope of engagement based on your audit stage (pre-audit or post-audit) and map your current compliance framework against the ACCC approved Aggregator Assurance review scope and PwC testing expectations.

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Step 2: Control & Evidence Review

We assess your policies, procedures, registers, data and operational controls across key areas including:

  • Broker onboarding, accreditation and supervision
  • Licensing and membership oversight
  • Responsible lending and loan file quality
  • Best Interests Duty (BID)
  • AML / CTF and KYC controls
  • Design & Distribution Obligations (DDO)
  • Complaints, breaches and escalation
  • Referral sources, conflicts and remuneration
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Step 3: Testing, Loan File Reviews & Validation

We perform evidence based testing similar to PwC methodologies, including targeted loan file reviews, control validation and traceability assessments to ensure policies are operating effectively in practice.

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Step 4: Gap Analysis & Remediation Planning

We identify control gaps, root causes and remediation requirements, prioritising issues based on materiality and audit risk. Clear remediation plans are developed to ensure findings are closed in a manner acceptable to lenders.

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Step 5: Reporting & Ongoing Support

We deliver a structured assurance readiness or remediation report with practical recommendations and, where required, support implementation and closure activities to strengthen your ongoing compliance posture.

Who This Service Is For

This service is designed for ACL mortgage aggregators that:

  • Have recently completed a PwC Aggregator Assurance Audit
  • Are preparing for a forthcoming bank led assurance review
  • Require independent support to remediate audit findings
  • Want to reduce audit fatigue and repeat findings
  • Seek an independent second-line compliance solution

What Our Clients Say

I have known and worked with Cheyenne professionally for over 5 years. I have found her approach, experience and expertise to be of a very high standard. I have and would recommend her services to any licence holder.

Sean Preece

Chief Risk Officer – Yellow Brick Road

Cheyenne was a great help to us at a time where we needed a lot of flexibility in the role. Anything we threw at her was a ‘yes no problem’. Thanks Cheyenne.

Ronna Ludgate

General Manager Risk Solutions at Commonwealth Bank

Cheyenne is a dedicated, hard working compliance professional. She is one of our “go to” people for compliance contracting.

Jenni Erbel

Director, Strategic Outsource Solutions

Cheyenne is a person with a sound knowledge of the law as it pertains to Financial Planning and always made herself available to assist the Practitioners to properly interpret and apply the laws and use them to raise the standards of advice.

Bruce Henderson

Financial Planner

I have known Cheyenne for over 10 years and can highly recommend her work ethic and attention to detail. Many of my industry peers, who have been audited by Cheyenne, speak very highly of the way that she conducts herself in meetings, in sometimes difficult situations.

Kevin Wyld

Shareholder at Financial Simplicity and Director of CCUBE Financial Software Pty Ltd

I worked with Cheyenne during some tough times after the GFC and she was brilliant, thorough but fair.

Scott Heathwood

Director of Lifestyle Asset Management

Frequently Asked Questions

Prepare. Remediate. Stay Ready.

Book an independent Aggregator Assurance Readiness or Remediation review to assess your preparedness, close audit findings, and strengthen your compliance framework under the ACCC Aggregator Assurance Program.