Intelligent FCA compliance oversight.

Automates the full lifecycle of every FCA regulatory return — from obligation to submission to archive.

• Return catalogue covering RMA-A to RMA-K, FIN073, Complaints, CCR, REP008/019/025, and Firm Details Attestation.
• Reporting schedule that activates returns based on your firm's reporting frequency (half-yearly, annual, quarterly) and accounting reference date.
• Field-level workflow: capture → validate → reconcile → review → approve → submit → confirm → archive, with per-field assignees, reviewers and approvers.
• Validation & reconciliation engine flagging outstanding fields, override counts, and differences before submission.
• MI pre-population: pull figures straight from your Monthly MI into the relevant return fields, with an override counter and source snapshot for audit.
• Historical import of past returns via ZIP/CSV, with version history, extracted text/tables, and evidence linking.
• RegData calendar and My Tasks view so each contributor sees exactly what's due and when.
• FCA Connect integration records (users, access levels, applications) for submission governance.
• Automated due-date reminders (15, 10, 5, 3, 1 days and overdue) with escalating recipient routing — all via branded email.

A guided, stage-based MI process that turns monthly data collection into a board-ready pack.

• Reporting periods with a workflow stepper: Data Collection → Review → Pre-populate RegData → Approval → Sign-off.
• Guided MI sections (Staff & Advisers, Sales, Income, Introducers, Complaints, Consumer Duty) with auto-fill and manual entry.
• Contributor assignment by section, with per-section status tracking.
• Exceptions, overrides and approvals captured with full audit events.
• MI-to-RegData push so approved MI figures flow directly into regulatory returns.
• Monthly dashboard with trend visuals and readiness indicators.

A structured file-review workbench for mortgage advice cases, with AI-assisted scoring.

• Case lifecycle: create, allocate, submit for review, find, score, close, remediate.
• Review sampling plans and automated sample generation for risk-based file selection.
• Scoring with RAG (Red/Amber/Green) and approval routing by colour.
• Evidence Room: drag-and-drop document upload, AI-driven folder classification, version history, and audio transcription via Whisper for call recordings.
• AI analysis runs against FCA rules with human override capability.
• Findings, remediation tasks and case reports generated from review outcomes.
• Case review MI rollup for thematic monitoring insight.

A complete task system replacing email-and-spreadsheet tracking.

• Task types across General Actions, Information/Document Requests, Compliance Remediation, File-Review Actions, Complaints, Training, Coaching, Competence Assessments, One-to-One Actions, Policy Acknowledgements, Fit & Proper Declarations, RegData Actions, MI Submissions, AR Reviews, Board Actions and more.
• Board, calendar and list views, plus My Tasks and My Messages.
• Checklists, comments, notes, extension requests and task-linked secure messaging with branded email notifications.
• Recurring task generation, escalation engine (overdue detection, auto-status changes), and task templates.
• Full audit trail on every status transition.

Version-controlled policy governance with AI review.

• Policy library (Policy, Procedure, Guidance, Template, Register, Statement of Responsibilities) across MCOB, SYSC, Consumer Duty, T&C, Client Money, Complaints, AR Oversight, Prudential, Data Protection, Whistleblowing, Conflicts.
• Version history and version chaining.
• AI policy review scoring content against FCA references, with findings and improvement recommendations.
• Policy review repository and acknowledgement tracking.
• Document conversion for reliable in-platform preview (PDF/HTML).
• Clean preview showing firm logo, title, version and content only.

A full staff compliance record per person.

• People master data: regulation status, role type, fit & proper, competence, CPD hours vs target.
• Training modules with attempts, compliance tests, and competence assessments.
• T&C matrix for oversight of supervision plans and sign-off.
• One-to-one meetings with action tracking, objectives, conduct rules records, and fit & proper declarations.
• Staff dashboard, manager dashboard, staff risk alerts, and leavers workflow.
• Annual declarations and outstanding-F&P tracking.

Tools to evidence the four Consumer Duty outcomes.

• Consumer Duty assessments, fair value assessments, client retention MI, and client harm assessments.
• Linked to cases, complaints and monitoring for end-to-end consumer-harm oversight.

A live compliance monitoring layer.

• Monitoring plans, activities and targets; red flags and monitoring alerts.
• Breach register, risk register, and regulatory breach records.
• Financial promotions review workflow.
• Audit findings and audit trail (immutable logging across the platform).
• Automated monitoring scans (daily) and personnel scans (weekly).

For principal firms with ARs/IARs.

• AR register with onboarding progress, PII cover, fit & proper status, annual reviews.
• AR checklists and AR document storage.
• FCA notification tracking with verification workflow and audit logs.
• AI oversight scoring against FCA rule references.
• REP025 / AR data linkage.

• Complaints register with case linking, deadlines, correspondence, outcomes and complaints MI.

An AI-driven module monitoring firm and staff online activity for financial promotion compliance.

• Brand registry, monitored websites and monitored social accounts (company-owned and related-person).
• Related person profiles with monitoring frequency, consent basis and risk level.
• Automated alert generation (missing disclosure, misleading promotion, missing risk warning, unauthorised brand use, impersonation, conduct concerns, etc.) with AI analysis, applicable rules and recommended actions.
• Alert triage workflow (open → in review → actioned/escalated/dismissed).

• Reports hub with dashboards, detailed data, and export to PDF/CSV/Excel.
• Board pack builder, scheduled reports, report archive and export history.
• Registers (gifts & hospitality, fees, reduced fees, conflicts, third-party due diligence, SAR decision log, etc.).
• FMCR (Firm Management Control Register) and register detail pages.
• Org chart — editable organisational structure with reporting lines.

Invite external compliance consultants with a branded standalone portal.

• Compliance queries with note threads, consultant responses, and resolution tracking.
• Consultancy firm directory and engagement records.

Enterprise-grade access governance for a multi-firm group.

• Multi-firm tenant model with a firm switcher and strict tenant isolation (RLS at every layer).
• 20 role templates (Platform Super Admin, Group Super User, Firm Super User, Compliance Officer, MLRO, Mortgage Adviser, etc.) plus custom roles.
• Granular permission categories (User Admin, Cases, File Review, People, Reporting, Compliance, Restricted) with segregation-of-duties checks.
• Invitations with branded email, expiry, resend/reinstate/revoke, and validation.
• User firm access records, access requests, security events, and user audit events.
• MFA, login history, and impersonation (developer-only).

• Automated FCA register checks and weekly sync against the live FCA register.
• FCA register check history and per-person verification.
• FCA Connect user/application management for submission credentials.

• Regulatory Guide agent — an in-app AI assistant for FCA Handbook queries.
• AI Assistant page for general compliance questions.
• AI policy review, AI case analysis, AI AR oversight scoring, AI brand-monitoring alert analysis.
• Workflows (scheduled & event-triggered): due-date reminders, escalations, recurring task generation, monitoring scans, personnel scans, FCA register sync, assignment & mention notifications, consultant query notifications, invitation auto-emails.
• Audio transcription (Whisper) for case recordings.

A built-in QA module for the platform itself.

• Test plans, suites, cases, runs and results; defect tracking; evidence and release checklists.
• CSV import/export and bulk test-data removal.
• Automated quality audit runs.

A governed channel for requesting changes to the app itself.

• Developer-only dashboard and ticket frame, AI-generated build instructions from tickets, immutable audit log of every state transition, and status workflow (new → reviewed → approved → in development → ready for testing → completed).

• Branded email throughout (enlarged logo, consistent template) for invitations, task assignments, message mentions, action requests, RegData reminders and escalations.
• In-app notifications centre and task-linked secure messaging with RLS isolation.
• Configurable on/off — all email notifications can be disabled platform-wide in one switch.

• Row-Level Security enforcing tenant isolation and per-entity read/write/delete rules.
• Immutable audit trail across entities, plus dedicated audit, user-audit and MI-audit event logs.
• Manual verification queue and PII verification workflows.
• Idle timeout, MFA, and security event logging.