Wealth managers, IFAs and discretionary managers run suitability, financial promotions, market-abuse controls and client-asset protection from one platform — with the evidence trail COBS demands.
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E1 + E2 dedicated CMP chapters
Maker-checker approval built in
Custody + client-money reconciliations
Suitability, promotions, market abuse, client assets — the FCA doesn’t ask whether you complied. It asks you to prove it, and the burden of proof sits with the firm.
When a skilled-person review lands, “the advice was suitable” isn’t enough — COBS 9 and 9A expect the file to prove it, client by client, review by review.
A promotion goes out; the approval lives in someone’s inbox. When the FCA asks who signed it off under COBS 4 — and when — the trail has to exist.
Pre-clearance requests, holdings and watch lists scattered across files nobody reconciles. COBS 11.7 assumes a controlled process — not a shared drive.
The FCA expects a CASS resolution pack within 48 hours. If assembling yours means a week of archaeology across drives and inboxes, it isn’t a pack — it’s a liability.
MiFIR reporting runs quietly until it doesn’t. Without scheduled checks on completeness and accuracy, errors compound for months before anyone looks.
Policy statements, consultations and Handbook changes land weekly across 13 UK regulators. Missing the one that rewrites your obligations is how firms fall behind.
Named chapters, registers, engines and filters for firms whose obligations live in COBS, CASS and UK MAR.
E1 Investment Management & Discretionary Wealth Management and E2 Retail Investment Advice put 30 sector-specific checks into your monitoring plan — backed by deep-dive chapters on suitability (A11), market abuse (A24), MiFIR reporting (A25), PA dealing (A26), investment research (A29) and telephone recording (A30), each around 15 checks. All inside the 1,139-template library.
A register variant built for the COBS regime: every promotion logged, put through maker-checker approval before it runs, and closed with a timestamped audit trail — so “who approved this, and when?” is one filter away.
COBS, MIFIDPRU and FUND attestation forms test your arrangements directly against the Handbook — guided question sets, evidence attached, sign-off recorded.
The daily client-money calculation under CASS 7.16, custody reconciliations and acknowledgement-letter tracking — plus a resolution pack you could hand over within 48 hours.
Regulatory Intelligence carries a dedicated Investments sector filter, keyword-mapped to COBS, MiFID and MIFIDPRU — and Otto scores each item’s relevance to your firm across the 13-regulator feed.
Policy Studio ships a Client Categorisation Policy, a COBS Handbook Guide and an ICARA Guide, plus three CASS policies — drafted, reviewed and operationalised.
The E1 and E2 investment chapters land in your programme complete — checks, owners, cadences and regulatory references — with the registers and attestations investment firms run alongside.
E1 Investment Management & Discretionary Wealth Management and E2 Retail Investment Advice — anchored to COBS, UK MAR, TC 2.1 and the RDR.
74 regulation-anchored categories, including deep-dives on suitability (A11), market abuse (A24) and transaction reporting (A25).
The financial-promotions register in its COBS variant — maker-checker approval before anything runs, every decision timestamped.
COBS, MIFIDPRU and FUND attestation forms with guidance in-form and sign-off recorded — declarations you can produce, not reconstruct.
The head-of-compliance landing surface. Live KPI tiles for open, closed and overdue tasks, completion and approval rates, an overall Health Score, RAG summary and monthly trends — every tile a one-click drill-down to the records underneath.
1,139 expert-built monitoring checks across 74 regulation-anchored categories — including the E1 and E2 investment chapters and deep-dive chapters on suitability, market abuse and transaction reporting. Each template ships with a regulatory reference chain and plain-English guidance that pre-populates in-form.
Every formal declaration, completed and signed off in-platform. Attestation forms for COBS, MIFIDPRU and CASS with the FCA Principles individually ticked and a maker-checker approval workflow — the form can’t be submitted until every obligation is signed off.
Every event your firm has to record, in one tracker. Financial promotions in their COBS variant, complaints, breaches, gifts & entertainment and conflicts — status chips, named owners, due dates and the same maker-checker approval workflow throughout.
Custody assets and client money run on dedicated engines — daily calculations, reconciliations, acknowledgement letters and a resolution pack the FCA expects within 48 hours.
Internal and external reconciliations for client money and safe custody assets — the records the CASS audit (SUP 3.10) is built on.
The internal client-money calculation under CASS 7.16, logged with discrepancies and shortfalls flagged and tracked to resolution.
Client bank accounts tracked with acknowledgement-letter status and bank concentration; custodians with their due-diligence cadence.
The CASS 10 resolution pack mapped and retrievable, with a readiness gauge and a one-click master document.
The whole client-asset position on one screen. A Client Assets Health score with a pillar-by-pillar profile, and live tiles for bank concentration, the client-money calculation, the custodian network, 48-hour resolution-pack readiness and a 12-month breach heat-map — every CASS obligation, RAG-rated, at a glance.
Internal and external reconciliation engines for client money and safe custody assets. Log each reconciliation, flag discrepancies and shortfalls, and track them to resolution — the records the CASS audit (SUP 3.10) is built on, kept current and exportable.
Every CASS record as a structured register — client bank accounts with acknowledgement-letter status and bank concentration, custodians and sub-custodians with their due-diligence cadence, safe custody assets, mandates and collateral. The evidence an FCA visit or CASS auditor asks for, already assembled.
The CASS 10 resolution pack, mapped and retrievable. Every required document and record flagged for 48-hour or immediate retrieval, with a readiness gauge and a one-click master document an insolvency practitioner could act on — the pack the FCA expects you to produce within 48 hours.
Investment firms carry the full market-abuse load — surveillance, insider lists, PA dealing, information barriers — alongside AML and sanctions. One module holds the lot.
Trade and communications surveillance documented under UK MAR — scenarios monitored, alert triage and escalation to an FCA STOR.
Event-based and permanent insiders under UK MAR Art 18 — name, function, reason, access granted and access terminated.
Pre-clearance requests under COBS 11.7 with decisions, named approvers and execution status — plus closed periods and statement reconciliation.
Your screening programme documented — lists, thresholds, cadence — with a hit log, frozen-assets and OFSI licence registers.
The MLRO’s morning glance. Financial Crime Health score, live operations across every regime, KPIs, the MLRO calendar and review SLAs — the whole function on one screen, every weakness one click from the work that fixes it.
The market-abuse workspace under UK MAR: trade and communications surveillance with monitored scenarios and escalation to an FCA STOR, an insider list under UK MAR Art 18, a personal account dealing log with pre-clearance decisions (COBS 11.7) and information-barrier controls — each with evidence attached.
The sanctions workspace: your screening programme — lists, thresholds, cadence — documented in one place, a hit log with dispositions, frozen-assets and OFSI licence registers, and a breach log with the reporting route named from the start.
Otto is the platform’s built-in compliance advisor, grounded in 150+ expert-authored documents. She reads your live monitoring, CASS and financial-crime records — not a generic handbook summary — and drafts the reports the regulator expects to see.
Your year’s monitoring drafted from live data, citing COBS, MIFIDPRU and CASS among its 13 regulatory anchors — coverage, findings and remediation, section by section.
A client-assets oversight report plus a SUP 3.10 audit dry-run — rehearse the CASS audit before the auditor arrives.
The MLRO annual drafted from your live financial-crime records, with market abuse as a standing pillar alongside AML and sanctions.
Ask about your own suitability posture and Otto answers from your live records — which reviews are overdue, where the file is thin, what closes the gap.
AI drafts, humans decide — nothing is auto-submitted, and every fact traces to your live firm data.
Three ways to run COBS compliance. Only one produces evidence the FCA can inspect — on the day they ask for it.
What a wealth-management COO or an IFA principal wants to know about platform-grade COBS compliance.
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