With cyber attacks on the rise, the financial services industry is a prime target, making the protection of sensitive client data critical.
Complete FS, a specialist lending packager, recognised the growing digital threat landscape and its potential impact on their operations and customer trust.
To mitigate these risks, they set out to strengthen their email security and safeguard personal data in transit.
Who Are They?
Complete FS provides packaging services to mortgage advisers across the UK.
They liaise with lenders, underwriters, and advisers to help get specialist lending applications approved and processed quickly and compliantly.
The Challenge
With cybercrime accelerating and regulatory expectations increasing, Complete FS needed to protect sensitive client communications and comply with legislation such as the GDPR.
Standard email platforms, while efficient, did not offer the encryption or authentication safeguards required to protect personal financial information - leaving both client data and the business open to risk.
The Solution
To address the issue, they partnered with Beyond Encryption, an ISO27001-certified UK cybersecurity provider and developer of the Mailock secure email platform.
After evaluating alternative providers, they chose Mailock for its end-to-end encryption and secure recipient authentication features.

Mailock ensures only the intended recipient can access an email and allows senders to prove delivery - helping to establish a verifiable communication trail and reduce fraud risk.
The Outcome
With Mailock, Complete FS achieved seamless integration into their existing systems and dramatically improved the security and auditability of their email communications.
They also extended a subsidised Mailock licence offer to their introducers, enabling them to build a secure ecosystem across their wider network - improving protection for all parties involved.

"The evidence cannot be ignored. While we’ve not suffered any direct issues, the opportunities for stealing data are growing and in handling sensitive personal data, we risk the possibility that fraud could take place if we ignore what we believe is our responsibility to introducers and their customers."
Phil Jay, Director, Complete FS
"The decision to invest in this encryption technology was an easy one once we’d evaluated competing providers. Customers can feel reassured that their data is now fully protected. I’d urge all our introducers to follow our lead - sending sensitive data by standard email leaves it open to cybercrime and may even contravene GDPR."
Phil Jay, Director, Complete FS
References
UK GDPR guidance, Information Commissioner’s Office, 2024
Reviewed by
Sabrina McClune, 05.06.24
Sam Kendall, 18.06.25