Moralto is an AI-native consultancy delivering governance infrastructure for regulated organisations. Founded by Graeme King and Lorraine Charnley — combining over 55 years of governance, delivery, and regulatory expertise.
AI adoption is outpacing governance everywhere. The Big 4 charge a fortune and take forever. SaaS platforms assume internal capability you don't have. Moralto fills the gap.
We combine practitioner expertise with AI-native delivery to make regulated organisations governance-ready at speed and at cost. Working governance, not PowerPoint frameworks. If it doesn't change how you operate, it's decoration.
Co-Founder & CEO
25+ years governance across financial services, public sector, energy, and life sciences. Product strategy, regulatory engagement, and go-to-market. Built governance frameworks for organisations that actually had to use them.
Co-Founder & Delivery Director
30+ years technology, transformation, and service operations. NHS 24, GE Healthcare, JP Morgan Chase, Scottish Water, BT Global Services. ICF-accredited coach. Delivery discipline that turns frameworks into working operations.
We deliver working governance, not PowerPoint frameworks. If it doesn't change how you operate, it's decoration.
Governance in days, not months. AI-native delivery means we move at the speed your organisation needs. Every engagement has a delivery date measured in days.
Aligned to EU AI Act, PRA SS1/23, FCA Consumer Duty, ISO 42001, NIST AI RMF. Every deliverable is grounded in the frameworks regulators recognise.
We tell you where you stand. Not where you want to be. Honest baselines, realistic roadmaps, and clear prioritisation. No inflated maturity scores.
Governance that works in practice. Operational controls, accountability matrices, evidence trails, and review cycles — not policy documents that sit on a shelf.
EU AI Act high-risk enforcement August 2026. PRA SS1/23 already live. FCA Consumer Duty applies to AI outcomes. ISO 42001 certification demand accelerating.
Organisations that build governance infrastructure now will be ready when enforcement arrives. Organisations that wait will be scrambling. The regulatory tailwind is here — and it's accelerating.
Conformity assessments, technical documentation, and audit trails required. Penalties up to 6% of global revenue.
UK banks must have AI and ML model risk management frameworks in place. No grace period.
AI governance is shifting from optional best practice to regulatory necessity. Regulated industries need governance infrastructure now, but the existing market offers an unacceptable choice: Big 4 consultancies that charge £5,000 to £8,000 per day with 9-12 month engagements, or SaaS platforms that cost $50,000-$250,000 per year and require internal capability to implement.
Moralto occupies the space between them: affordable, fast, expert-led AI governance implementation delivered through AI-powered tooling. We combine practitioner expertise with an AI-native delivery methodology that is 3-5x faster and 40-50% cheaper than traditional consulting.
Assessments delivered in 3-5 days. Not 9-12 months.
Governance scaled to actual risk. No over-engineered compliance theatre.
Every deliverable generates structured, auditable artefacts. Not narrative documents.
AI handles operational tasks. Humans own critical decisions.
The intersection of AI expertise, regulatory knowledge, and AI-native delivery capability is extremely rare. Moralto’s founders bring this combination.
Co-Founder & Chief Executive Officer
Over 25 years of governance methodology expertise across financial services, public sector, energy, and life sciences. Graeme has led AI governance, data governance, and regulatory compliance programmes at scale. He owns product strategy, governance framework development, regulatory engagement, and go-to-market leadership.
Co-Founder & Delivery Director
Over 30 years of senior delivery experience across NHS 24, GE Healthcare, JP Morgan Chase, and Scottish Water. Lorraine bridges the gap between technical teams and business leadership. An accredited ICF coach and mentor, she is responsible for programme delivery and client engagement, ensuring governance is operationalised, not just advised.
Moralto is not a consultancy that uses AI tools. It is a consultancy built on AI from the ground up.
Assessments in days, not months. AI-native pipeline from ingestion to deliverable.
Enterprise-grade governance at 40-50% less than Big 4 consultancies.
Every deliverable passes automated confidence scoring, regulatory accuracy check, and practitioner review.
A 30-minute call and AI-generated summary of your governance posture. No commitment, no cost.
Book a free AI Governance Health Check. 30 minutes with a practitioner. No strings attached.
Free practitioner analysis of AI governance developments. Not press-release summaries.
Join compliance leaders from regulated industries. Unsubscribe anytime.