Licensed Payment Institution · London
Institutional substance for regulated payments.
Thorsen Tower provides the governance, compliance and operational depth that payment institutions need to earn — and keep — their licence across the jurisdictions they operate in.
Who we are
A specialist firm built to give regulated payment businesses real substance — not a brass plate. We embed governance, controls and reporting that withstand the scrutiny of regulators and banking partners alike.
What we do
Five disciplines, one mandate.
End-to-end support for the lifecycle of a payment institution — from licence application to ongoing supervisory obligations.
Regulatory Licensing
Structuring and steering PI & EMI licence applications with national regulators and cross-border passporting.
Learn moreCompliance & AML
Risk-based AML/CFT frameworks, monitoring, screening and the reporting regulators expect to see.
Learn moreGovernance & Risk
Board-level governance, fit-and-proper assessment and enterprise risk management that holds up under audit.
Learn moreOperational Substance
Local presence, qualified staffing and infrastructure that demonstrate genuine establishment, not a shell.
Learn moreReporting & Audit
Regulatory reporting, safeguarding reconciliation and audit readiness — accurate, on time, every period.
Learn moreNot sure where to start?
We run a confidential readiness review and map your path to licence.
Executive leadership
Julija Thorsen
Julija leads Thorsen Tower with more than fifteen years in regulated financial services, spanning payments, banking and anti-financial-crime. She has built and supervised compliance functions through licence applications, audits and regulatory examinations.
A Certified Anti-Money Laundering Specialist, she advises boards on governance and substance — and is the firm’s direct point of contact for regulators and banking partners.
Substance, not a brass plate
Backed by a robust team of 15 industry experts across finance, legal, compliance and operations.
Real people, real desks, real accountability. The depth a regulator looks for when assessing whether a licence holder can actually run the business it describes.
In their words
What partners say.
Their licence dossier was the most thorough our compliance team has reviewed. It made the banking decision straightforward.
Thorsen Tower gave us genuine operational substance — not a checklist. The regulator noticed the difference.
Calm, precise and deeply versed in EU payments regulation. Exactly the temperament you want in a partner.
We passed our supervisory examination without a single material finding. That is the standard they hold.
Begin the conversation
Substance is a decision. Make it early.
Arrange a confidential consultation with our team to assess your licence readiness and the path ahead.