Insights
Analysis & Perspectives
Evidencing compliance in a data-led regulatory world
FCA supervision is becoming more evidence-led and data-driven under Consumer Duty. Webinar poll results show confidence in outcome testing, but also gaps in recording, documentation and evidence across customer journeys.
Why ‘simple’ redress schemes require strategic planning
Redress schemes can look simple on paper but quickly become complex in execution. Strategic preparation helps firms manage scale, exceptions, governance and customer outcomes.
Turning motor finance compliance into an opportunity
Firms should treat the FCA’s motor finance redress scheme as an opportunity to prepare early, improve governance and build operational confidence. Portfolio assessment, data validation and workflow design are central to readiness.
The role of generative and predictive AI in wealth management
Predictive AI is suited to structured, repeatable tasks, while generative AI is better used for summarising and drafting support. Wealth managers need clear guardrails, governance and maintenance so AI improves efficiency without weakening accuracy or compliance.
Turning “no change” reviews into insightful compliance opportunities
No-change reviews should not be treated as low-risk paperwork. Risk-based checking, AI-supported review and evidence-led feedback can help firms test ongoing suitability and identify improvement themes.
Harnessing AI to transform suitability reviews into actionable insight
AI helps firms turn suitability reviews into clearer management information, evidence packs and action plans. Technology supports reviewers, while judgement about advice suitability remains with people.
Attivo deploys Recordsure’s AI technology to evidence its ongoing advice compliance and cut file review costs
Attivo has implemented Recordsure’s predictive AI technology to analyse files, flag higher-risk cases and focus skilled reviewers where judgement is needed. Early results include lower unclear suitability ratings, faster turnaround and reduced review cost.
Turning suitability reviews into a strategic advantage
Webinar polling and transcript material show how suitability reviews can reduce rework and improve adviser performance. FCA expectations on risk-based sampling align with TCC’s collaborative file review process.
FCA announces 14 million motor loan customers to be eligible for compensation
The FCA wants an industry-wide motor finance compensation scheme for customers treated unfairly between 6 April 2007 and 1 November 2024. Firms need to understand eligibility, deadlines and redress exposure.
Secrets of AI Agents
AI agents are not new, and building every part of an agentic system from generative LLMs compounds the risk of confidently wrong answers. Safe enterprise Agentic AI depends on careful component selection, confidence thresholds with an ‘I don’t know’ opt-out,…
Suitability reviews with AI: turning a compliance burden into a business asset
Unclear suitability ratings often stem from weak rationale, fact-finding or risk assessment, and AI-supported review can turn compliance checks into learning. Better feedback can improve adviser performance, reduce rework and support customer outcomes.
AI in Compliance event for wealth managers: Five takeaways
Ongoing advice compliance depends on clear evidence of reasonable steps, fair value, responsible AI use, transparent communications and practical adoption planning.
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Case studies
Proven outcomes in practice
Major UK retail bank
Improving oversight and QA across mortgage advice
Read case study: Improving oversight and QA across mortgage advice
Major UK Tier 1 bank
Improving QA oversight and reporting across business banking conversations
Read case study: Improving QA oversight and reporting across business banking conversations
Government Department — UK
Digitalising interview recording to reduce cost and improve efficiency.
Read case study: Digitalising interview recording to reduce cost and improve efficiency.