Kingston upon Thames' Pension Fund is grappling with a significant risk: its software provider, Civica, has yet to deliver software fully compliant with Local Government Pension Scheme (LGPS) Regulations. This issue was highlighted in the Governance and Risk Update presented at the Pension Fund Panel meeting on Thursday, December 4, 2025.
The core risk is that until a fully compliant and tested solution is delivered, the Fund lacks a guaranteed operational system compliant with LGPS regulations, which could lead to the incorrect payment of member benefits.
A key area of non-compliance relates to the McCloud Remedy. The meeting information indicates that outstanding issues with the software remain
beyond the McCloud Remedy, but does not specify which LGPS regulations these relate to.
According to the Governance and Risk Update, despite initial software patches addressing the McCloud Remedy, outstanding issues with the software remain, and further patches are still expected.
The report emphasized that until a fully compliant and tested solution is in place, the fund lacks a guaranteed operational system that adheres to LGPS regulations.
The McCloud Remedy project has a target completion date of 30 June 2026, and the primary risk remains the timely delivery of the final software patches from Civica. This is being actively managed through continuous dialogue with the provider.
In the interim, manual processes remain in place to ensure any member retiring or leaving the scheme has their benefits calculated correctly.
The officers have reviewed this risk and recommend its RED rating remains unchanged. Mitigations remain in place, with Officers addressing issues directly with Civica's client manager and working closely with the national Civica Client User Group to apply collective pressure for a timely resolution. This collaborative approach aims to ensure that Civica delivers a compliant solution promptly, addressing concerns shared across multiple LGPS funds.
