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Who we are

Conquering the Divide — one partner for every stage.

A specialist Welsh fintech consultancy at the intersection of international debt recovery, commercial intelligence and cross-border risk advisory.

Our story

Hartmark Consultancy operates at the intersection of international debt recovery, commercial intelligence and cross-border risk advisory. Founded in late 2023 by industry veterans Patrick Harte and Keith Allmark, with over 50 years' combined experience, our mission is clear: to help organisations trade with confidence across borders — before the deal is signed, during delivery, and after default or dispute.

We provide a single point of contact across the entire trade lifecycle. Clients do not need to manage multiple providers across multiple jurisdictions; Hartmark serves as the central coordinator, drawing on a vetted global network to deliver locally while maintaining rigorous central oversight.

Our ambition is not just to recover international debts, but to help restore trust in international trade — knowing Hartmark stands behind every transaction.

Our vision

To restore trust in international commerce by bridging the gaps between businesses — cultural, legal and financial — enabling them to trade with confidence.

Our leadership

Founder-led delivery, senior on every engagement

Deep expertise and personal service — the people who set the strategy are the people accountable for the outcome.

Patrick HarteFounder & MD · UK
Founder & Managing Director

Patrick Harte

A cross-border debt recovery and credit-risk specialist with 15+ years' international experience focused on the UK–China corridor. Patrick leads Hartmark's credit, recovery and advisory practice — directing mandates for export-credit agencies, banks, law firms and corporates.

  • CorridorUK–China & third markets
  • StandingISO 27001 Accredited Auditor
  • NetworkSINOSURE · CCPIT · CBBC
Keith AllmarkCo-founder · UK
Co-founder & Senior Credit & Commercial Adviser

Keith Allmark

A credit-management and commercial professional with 17 years' continuous B2B credit service — leading the underwriting interface, onboarding, account stewardship and recovery escalation. An earlier IBM mainframe-engineering career gives him a structured, evidence-based approach.

  • FocusB2B credit · trade insurance
  • Experience17 yrs credit management
  • ServiceRNLI volunteer since 2000
Vincent SunDirector · Shanghai
Director & Co-founder, Shanghai

Vincent Sun

Senior point of contact across Greater China and Asia-Pacific, with ten years across credit management, debt collection and the full credit-insurance suite. A former SINOSURE headquarters practitioner with a rare dual background in finance and law.

  • FocusECA & SINOSURE programmes
  • BaseLin-Gang, Shanghai
  • NetworkBritish Embassy · CBBC · CCPIT
The operating model

Governance, quality and oversight by design

Local nuance without losing central control — the discipline that lets a single relationship span 160+ countries.

Central coordination

One relationship manager owns the matter end to end — no handoffs between disconnected teams.

Vetted partners

Every partner is a qualified professional, vetted before they touch a client engagement.

Quality & audit

Consistent documentation, audit trails and review at every stage — the basis for compliance.

Reporting & visibility

Decision-ready reporting with analyst commentary — clients always know where a matter stands.

On track: ISO 9001 Quality On track: ISO 27001 Information security Roadmap: ISO 14001 Environmental Roadmap: ISO 42001 AI management
Innovation & technology

Modern tools, governed by human judgement

We use technology to surface risk faster and report with clarity — but every output passes through expert analyst review. Automation accelerates; it never decides alone. Our approach to AI is deliberately governed, transparent and accountable.

Request a sample risk report →
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Analyst-in-the-loop

Automated alerts carry analyst commentary and recommended next steps — never raw data alone.

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Real-time monitoring

Continuous tracking of financial health, legal events and adverse media, with urgency classification.

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Proprietary risk scoring

A single 0–96 score enables straightforward comparison across counterparties and jurisdictions.

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Governed AI

Transparent, accountable use of AI — aligned to the ISO 42001 management standard on our roadmap.

Work with us

Trade with confidence — across every border.

Discuss your case → Request intelligence