Crux Compliance Practitioners

Compliance Stewardship

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We support the letter and spirit of the law

Crux Compliance Practitioners are an independent Christian based compliance practice registered with the Financial Services Conduct Authority since March 2005. It was started by financial planners, for financial planners.

We are a value-based compliance offering and seeks to partner with Financial Service Providers who share the same vision for the Financial Services Industry. We support both the letter and the spirit of the law.


We have a dynamic team that strive for excellence

Meet our Team


Mr JB Joannides CPrac (SA)

Justin has been approved compliance officer with the financial services board since 2011, he previously held senior management positions within industry and has over 15 years’ experience in financial services which include operations, client service and distribution.

Mrs N Joannides

(Business Administration) – Natalia has a number of years’ experience in management and assist us with our training and accounts departments.

Ms. P Soma CPrac(SA)

Pervina is our compliance associate in Johannesburg South. Our partnership with Pervina provides us with greater understanding of the changing financial services landscape.

Mrs. S Venter

Suzette is our compliance associate in Mpumulanga. Suzette has over 10 years’ experience in compliance management. She is an invaluable asset to our team.

Adding context to your choices


Oh Sh1t … POPIA is ACTUALLY here

Ross G Saunders CompliNEWS  It happened, POPIA finally got signed in, and we had a grace period. A few 'early adopters' had been working on their compliance for a few years already, mostly the banks and big enterprise, but also software companies and agencies that saw...

Frequently asked questions about crypto assets

From The Intergovernmental Fintech Working Group (IFWG) 1. What is a crypto asset? Crypto assets cannot be narrowly or easily defined as they may perform different functions depending on their design and use. Although Bitcoin specifically was designed to function both...

Strong push to regulate crypto markets

In a new paper, the IFWG has noted that with the crypto space maturing rapidly, regulators around the world are accelerating efforts to either embrace or regulate crypto-currencies.

Statements about the effect of Covid-19 vaccines on life insurance policies

Financial Sector Conduct Authority It has been brought to the attention of the Financial Sector Conduct Authority (FSCA) that there are inaccurate reports, particularly on social media platforms, which indicate that getting the Covid-19 vaccine will render life...

Why your financials matter

Financial advisers love to use the analogy of a journey, or a map, when helping their clients craft, build and stick to their financial plan. One of the key elements of this journey is knowing your current position. Terry Pratchet once said: “If you do not know where...

Ticking boxes or building trust?

Many view compliance as a box-ticking exercise, but really, it's about building trust. Everyone throws around the words 'trust', 'integrity' and 'honesty', but we all know that these are easily used as veneers to solicit prospects. While heavy on our admin, compliance...