Illustrative approach

Compliance-first AI for a UK financial advice firm: how we would approach it

UK financial advice firms work under FCA Consumer Duty, suitability and reporting requirements that take a large share of adviser time.

Illustrative example of our approach, not a client result. It contains no client data and no performance figures.

Financial services workflow: Client review data, then Draft suitability report, then Compliance checks, then Adviser signs off1Client review data2Draft suitabilityreport3Compliance checks4Adviser signs off
Financial services workflow, adviser signs off
  1. 1Business problemDescribed
  2. 2Expert guidanceOur approach
  3. 3SolutionProposed
  4. 4EvidenceNone claimed
  5. 5Next stepsYour baseline

1The business problem

Are you a compliance lead or managing partner at an advice firm?

A typical advice firm spends many hours on documentation for each client review, leaving less time for clients.

Compliance Workload

Suitability documentation is detailed and must be consistent across every adviser.

Report Generation Bottleneck

Annual client reviews take significant manual documentation time.

Missed Client Conversations

Busy advisers have less time to contact existing clients proactively.

2What we would advise

We would design a compliance-first set of AI agents that draft documentation for adviser review and flag clients due a conversation.

  1. Compliance Workflow Audit. Map the documentation steps your regulation requires and agree what to measure.
  2. Review Gates. Design human review gates before anything is sent to a client.

3The proposed solution

Proposed workflow: Client review data, then Draft suitability report, then Compliance checks, then Adviser signs off1Client review data2Draft suitabilityreport3Compliance checks4Adviser signs off
The final step, adviser signs off, stays with a person.
Capabilities we would design and evaluate. Nothing here is a tool already chosen.
CapabilityWhat it doesStatus
AI Compliance AgentDrafts suitability documentation for an adviser to review and approve.To evaluate
AI Client Intelligence AgentFlags clients due for review so advisers can contact them.To evaluate
Final decisionAdviser signs offHuman decision

4Starting point and aim

Typical starting point and what we would work towards. No figures, because this is not a client result.
AreaTypical starting pointWhat we would work towards
Suitability reportDrafted manuallyAI draft, adviser reviews and signs off
Proactive outreachAd hocRegular prompts to advisers

5Evidence and how we would measure it

This is an illustrative approach, so there are no results to report. In a real engagement we agree the measures first and report against your own baseline.

  • MeasureTime per client review and documentation consistency against your own baseline
  • ReviewResults reviewed with you at 30, 60 and 90 days

Expert insight

The aim is to give advisers more time with clients, with every AI output reviewed by a person before it reaches a client.

Questions we are often asked

Is the AI FCA-compliant?

The AI drafts and flags. Advisers review and approve every output before client delivery, and your firm remains responsible for compliance.

Can it handle different adviser risk profiles?

It can be configured for each adviser and your risk framework.

Does it work with our back-office system?

We integrate where your platform offers an API, and confirm this during discovery.

Most relevant for: Independent financial advisers, wealth managers, mortgage brokers and planning practices.

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