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Amara Cole, Senior Associate, Compliance at SCT Legal Associates

Senior Associate, Compliance

Amara Cole

Amara builds proportionate compliance programs for regulated and scaling businesses, covering data protection, financial crime controls, and regulator engagement. She previously worked in-house at a fintech scale-up.

About Amara

Amara builds proportionate compliance programs for regulated and scaling businesses, covering data protection, financial crime controls, and regulator engagement. She previously worked in-house at a fintech scale-up.

Her starting point is that a compliance framework nobody follows is worse than none at all, because it documents the gap. She designs controls around how a business actually operates, then makes the evidence of oversight a by-product of the process rather than a year-end scramble.

Amara leads the firm's incident response work and has run breach notifications inside the statutory window on matters affecting hundreds of thousands of records.

Representative work

  • Ran an out-of-hours breach response for a consumer fintech, reporting within 48 hours with no enforcement action
  • Rebuilt an eighteen-policy compliance suite for a regulated lender after an adverse internal audit
  • Designed a records-of-processing and DPIA process for a group operating in six jurisdictions
  • Advised on financial crime controls and onboarding for a payments business ahead of authorisation

Experience

Career to date

  1. 2021 — present

    Senior Associate, Compliance

    SCT Legal Associates

    Leads regulatory, data protection, and incident response work across the firm's client base.

  2. 2018 — 2021

    Compliance Counsel (in-house)

    Fintech scale-up

    Built the compliance function from scratch through two funding rounds and an authorisation process.

  3. 2015 — 2018

    Associate, Regulatory

    Financial services practice

    Advised banks and payment institutions on conduct and prudential requirements.

Publications & speaking

Writing and talks

  • The first 72 hours: a practical breach response checklist

    SCT Legal Associates Insights · 2025

    Guide
  • Proportionate compliance for scaling businesses

    Privacy & Data Protection · 2024

    Article
  • Evidencing board oversight before the regulator asks

    Compliance Leaders Conference · 2024

    Talk

Work directly with Amara Cole

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