UK Accounting
What a UK accountant certificate actually confirms
How independent financial certification supports lending, regulatory and commercial decisions.
Accounting · Certification · Finance · Risk · Advisory
Financial certification and advisory, practised across borders.
WM Advisory Group Ltd is a UK-based professional-services firm advising SMEs, lenders, fintechs and international businesses across the United Kingdom, the GCC and beyond.
01
United Kingdom
Certification, finance, risk & advisory
02
GCC & International
Outsourced finance & Independent AML reviews
03
Pakistan
W. Mumtaz & Co., Chartered Accountants
01 — Services
Expertise where financial decisions matter.
Three practices, one standard of professional delivery — across the United Kingdom, the GCC and Pakistan.
01
UK
- Financial Certification
- Accounting & Bookkeeping
- Management Accounts
- Virtual CFO
02
GCC & International
- Outsourced Finance
- Risk & Controls
- AML/CFT Advisory
- Cross-Border Finance
03
Pakistan
- External Audit
- Corporate Tax
- Sales Tax
- Bank Financing
02 — Differentiation
Independent expertise. Evidence-led decisions.
01
Chartered Accounting Expertise
Audit, accounting, financial reporting and advisory experience.
02
Financial Services Experience
Banking, risk, controls, AML/CFT and regulatory experience.
03
Cross-Border Perspective
UK, GCC and Pakistan market experience.
04
Senior-Level Delivery
Engagements led with professional judgement and practical commercial understanding.
Independent AML/CFT Testing
Independent AML/CFT Review & Compliance Testing
Risk-based, evidence-led assessment of AML/CFT frameworks, controls and operational effectiveness for fintechs, financial-services businesses and regulated organisations.
Engagements are performed according to applicable regulatory requirements, professional standards and agreed scope.
Request an AML ReviewKYC / CDDEDDUBOSanctionsTransaction MonitoringSAR / STRAML GovernanceRemediation
04 — UK Financial Certification
UK Financial Certification
Professional financial information and certification support for businesses, lenders, fintechs and other organisations where independent financial information is required.
01
Accountant Certificates
Formal accountant certificates and confirmations of financial position, where required by the recipient.
02
Financial Statements
Statutory and management financial statements prepared to UK standards with senior review.
03
Lender & Finance Information
Verified income and financial information prepared and certified for lending and finance applications.
04
Fintech Financial Verification
Financial verification and confirmation services for fintechs and payment institutions.
05
Forecast & Projection Review
Review of forecasts, projections and business plans built on defensible assumptions.
Request a Certificate Review
Engagements are undertaken where required by the recipient and subject to applicable professional and regulatory requirements.
05 — GCC & International
Supporting businesses operating across borders.
UK
GCC
International
01
Outsourced Accounting
A complete outsourced finance function, run to international reporting standards.
02
Management Accounts
Periodic management accounts and KPI reporting for owners, boards and investors.
03
Virtual CFO
Senior financial leadership for growing GCC businesses without a full-time hire.
04
Risk & Internal Controls
Practical internal control design and review suited to regional operating models.
05
AML/CFT Advisory
AML frameworks, risk assessments and financial-crime advisory aligned to regulation.
06
UK Accounting Support for GCC Businesses
UK accounting, reporting and compliance for GCC businesses with UK subsidiaries or investments.
06 — Pakistan · A Separate Professional Practice
W. Mumtaz & Co., Chartered Accountants
Pakistan professional practice providing audit, taxation, sales tax and accounting services.
A distinct professional practice. Pakistan audit and professional-practice services are provided through W. Mumtaz & Co., Chartered Accountants — an independent entity separate from WM Advisory Group Ltd.
01
External Audit
Statutory external audit conducted under the professional standards of the chartered practice.
02
Corporate Tax
Corporate income tax computation, return filing and representation before the authorities.
03
Sales Tax
Sales tax compliance, periodic returns and advisory on federal and provincial regimes.
04
Bank Financing & Financial Review
Financial reviews, projections and documentation supporting bank financing applications.
07 — Managing Partner
Senior expertise. Cross-border perspective.
Waqas Mumtaz
ACA (ICAEW) · ACA (ICAP) · Managing Partner
A dual-qualified Chartered Accountant with cross-border experience in audit, banking, risk, AML/CFT and financial advisory — leading engagements across the United Kingdom, the GCC and Pakistan with professional judgement and practical commercial understanding.
13+ Years
Professional Experience
200+
Audits, Reviews & Risk Assessments
UK · GCC · Pakistan
Cross-border practice
ICAEW + ICAP
Chartered Accountant
08 — Insights
Insights for businesses operating in complex financial environments.
Financial Certification
Preparing financial information lenders can rely on
Practical steps to make certified financial information decision-ready for credit teams.
AML/CFT
Designing an evidence-led AML/CFT review
A risk-based approach to testing AML controls and documenting operating effectiveness.
Fintech Risk
AML control testing for fintechs and payment institutions
Where fintech AML frameworks most commonly fail independent testing — and how to prepare.
GCC Finance
Running a GCC finance function to UK standards
How outsourced accounting bridges the gap between regional operations and international reporting.
Pakistan Tax & Audit
Corporate tax and sales tax obligations in Pakistan
A practical overview of compliance, filing and representation for businesses operating in Pakistan.
Internal Controls
Building internal controls that survive scrutiny
Designing control environments that hold up under audit, regulatory and investor review.
Banking & Financial Services
Risk, controls and Basel considerations for lenders
How banking risk and control experience informs independent review of financial-services firms.
09 — Contact
Need an independent financial or risk perspective?
Tell us what you are trying to achieve. We will assess your requirements and identify the appropriate professional service.
hello@wmadvisorygroup.com
waqas@wmadvisorygroup.com
wmumtazca@gmail.com
WhatsApp only
+44 (0)7562 537 062
+92 322 2519071
Registered Offices
Birmingham, United Kingdom
Karachi, Pakistan