The FCA's SUP12 regime holds Principal firms to a higher standard. RegTechPRO gives you complete oversight of your AR network, from each AR’s FRN to every rule change that reaches it. Each AR gets a login to a dedicated space, making supervision simple.
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You answer for what your Appointed Representatives do. The rules got tighter in December 2022, the FCA has been reviewing principals ever since, and the question it asks is always the same one: show us how you supervised them.
One tab per firm, due dates in a calendar, evidence in an inbox. Nothing tells you which AR is drifting, which review is overdue, or where the network stands this morning.
An annual self-assessment your board signs off. Deeper due diligence before you appoint. More notifications, on tighter deadlines. The FCA reviewed principals in 2024 and was not impressed by what it found.
An information request does not wait while you rebuild two years of supervision from email threads. If the monitoring visit, the review decision and the sign-off are not on file, they did not happen.
If you recognise your network in any of these, this page was built for you.
Two-minute check Not sure where you stand? Take the two-minute AR Oversight Health Check Start the checkSupervision your ARs take part in, evidence that builds as the work happens, and a network view that tells you where you stand before the regulator asks.
The ongoing oversight SUP 12 expects, recorded as it happens. Intensified monitoring plans for higher-risk ARs, audits and supervisory meetings with a RAG conclusion on every one, second-line reviews and customer file sampling.
The appointment due diligence pack for every AR. What has been received, what is due for renewal and what has expired, a review and expiry runway, and a history kept for every document.
The portal your appointed representatives sign in to. Their own monitoring plan, attestations, registers and task calendar, their people records, and the documents you choose to share with them.
Each AR’s position at a glance. Its SUP 12 health score and exactly what drives it, the fit-and-proper position, a defensibility radar, the latest attestation and the monitoring cadence across the year.
Every conversation with your ARs, kept on the record and linked to the work it is about. An AR can raise a question with you directly, approvals wait in one place, and only the people named on a conversation can read it.
Board packs, MLRO annuals, Consumer Duty reviews, BCPs and FCA dry-runs — Otto drafts every regulator-grade report from your live data, cited to the source rule.
Exportable board-ready management information that meets the regulator's oversight expectations — live RAG status, drill-through to the underlying evidence, and clear ownership so issues get spotted and actioned quickly, not buried in a spreadsheet.
1,139 expert-built templates across seven regulators, with the registers, attestations and assessments to evidence every FCA obligation.
Build any form your firm needs in minutes. Drag-and-drop fields, conditional logic, named owners and evidence attachments — no code, no consultants, no waiting list.
Otto is built into every module — answering compliance questions from your firm's live records with handbook citations, drafting, scoring and rewriting your policies, and writing the commentary for board-ready reports. AI drafts, humans decide.
SUP 12 is not a register bolted onto the side. It is a full module built around supervising firms you are responsible for, with the rest of the platform running per AR underneath it.
One score across the whole network, the mean of every AR’s own composite, with complete, partial and not-started counts behind it.
Active ARs split between AR and IAR, approved persons across the network, open issues by severity, and attestations approved, pending or missing.
How many of your ARs sit red, amber, green or unrated, at a glance, so the shape of the network is never a surprise.
The network’s sharpest live signals, severity-ranked, so you work top-down instead of hunting.
Which ARs still owe you an attestation, which are awaiting your approval and for how long. Self-certification is your evidence of oversight.
A red-first watch strip for financial viability and professional indemnity cover across every AR.
Received through to open, upheld and redress paid, with open Ombudsman cases surfaced per AR.
One row per AR with a toggle for whether a firm counts toward the aggregate, shared by everyone at your firm.
A two-page board pack for any AR: current rating, open issues, last annual review and a sign-off block, in one click.
The pack the FCA expects before you appoint: register extract, incorporation, structure chart, key individuals, PI certificate, complaints and AML policies, financials and the agreement.
The senior manager who approved the appointment is recorded against it. Miss it on a live AR and the dashboard flags the gap rather than letting it pass.
Every requirement carries a status and a review date. Requested becomes renewal due, then expired, without anyone remembering to check.
Every person at the AR ranked by how overdue they are, with their role, their assessment dates and any disclosure flagged against them.
Visits, thematic reviews and desk-based work, each with its lead, its RAG, whether findings were material, and the remediation actions raised from it.
When an AR is running hot: the trigger, the new visit cadence, file-review and financial-promotion percentages, the owning senior manager and a deadline to resolve.
A qualifying breach opens a pack carrying every field the FCA form asks for, ready to copy across, then records the reference against the AR.
A formal continue, continue-with-conditions or terminate decision each year, the signed agreement on file, and a structured exit pack when a relationship ends.
Revenue, profit, capital adequacy and solvency period by period, alongside the fees and lifetime value of the relationship and the split of its customer base.
Every monitoring task carries expert guidance on what to test and why. Not generic text: the judgement of a compliance professional, at the point of work.
Set an AR to Standard or Heightened and its supervisory cadence and intensity move with it. Saved the moment you choose.
A pillar-weighted composite per AR, with a drill-in that shows every section behind the number and lets you click straight to the work.
Tune what the score is made of, and how much each individual section counts. Your firm decides what good supervision looks like.
Six spokes covering due diligence, fit and proper, financial cover, unresolved issues, attestation currency and monitoring cadence, naming the weakest side in plain English.
Every score kept as a snapshot, plotted against the green line, so you can see whether an AR is recovering or drifting.
A lapsed PI policy holds an AR in the red band however good the rest of the record looks. Nothing important can be averaged away.
A rolling twelve months of supervisory visits and second-line reviews per AR, so gaps in your own coverage are visible.
Every RAG explains itself: what drove the colour, and what would change it.
Your AR’s people sign in with a single-use email code. No passwords to issue, reset or leak.
Share documents as deliberate copies, to one AR or all of them. They upload back and notify you in a single action.
Restrict an AR user to the documents you have shared. The restriction is enforced on the server, not just hidden on screen.
ARs report their own complaints, redress, Ombudsman referrals, headcount, turnover and PI cover. It lands in your view the moment they file.
A lapsed PI policy, a reported data breach or a sharp jump in complaints on an AR’s attestation is suggested to you as an issue to log, in one click.
Grant each colleague access AR by AR. The separation between firms is structural, not a display filter.
Only the people you nominate can approve or reject, enforced on the server, for the ARs you nominated them on.
A due diligence sign-off is stamped from the signer’s own verified session, so it cannot be recorded in someone else’s name.
Overdue and due-today items from every AR on a single bell, with an email digest grouped by firm.
Consumer Duty, Financial Crime, Risk, Policy Studio and the rest all run per AR, each with its own records, scores and reports.
Each AR’s data sits in its own space, and every read and write is checked against your access rights before it is served.
Start each AR with its FRN, not a blank form. RegTechPRO reads the FCA Handbook and the Financial Services Register for you, and sets each rule beside the checks that evidence your oversight, to help you find the gaps.
The AR’s details arrive from the Financial Services Register, ready to save, and an adviser’s IRN brings in the roles they hold. Anything out of step with the Register is flagged.
Rule Map suggests the Handbook chapters that come with each AR’s permissions and sets every rule beside the checks on its plan that test it. A rule nothing tests shows up as a gap, with a check to add.
You see the wording before and after, the day it takes effect and the ARs whose permissions it reaches, each with a task to add to its own plan.
Illustrative example. Handbook wording © Financial Conduct Authority.
No per-AR licence. No per-seat charge. Appoint a new Appointed Representative and the price does not move.
SUP 12 sits on the Pro plan, alongside every other module in the platform.
Each AR gets its own complete record. Every AR you appoint is included. Nothing per AR, ever.
Unlimited users on every plan. Your team and your ARs’ people, with no per-seat charges.
RegTechPRO isn't just an FCA tool — it's a corporate compliance OS. From FCA sourcebooks to UK statutes, data & cyber to cross-regulator obligations, every framework your firm is on the hook for — built in, evidenced, kept current.
Trained on senior compliance expertise and 150+ expert documents. Working across every module of RegTechPRO. You supervise your ARs, and Otto produces the regulator-ready output.
Otto reads what you have actually recorded about each AR, from due diligence and monitoring visits to breaches, reviews, people and outcomes, and writes the documents a supervisor expects to see. Every fact traces back to your own records, and every Handbook rule it cites is checked against the FCA Handbook itself.
Scope, due diligence, permissions, monitoring, fit and proper, records, policies, attestations, complaints, breaches, risk rating, termination and a forward look.
A mock supervisory interview. Twelve questions a supervisor would ask, answered from your record, with an examiner’s observation on each.
The board version. What the position is, what is outstanding, and what needs a decision.
One report across every AR you supervise, built from each AR’s own report rather than a fresh guess.
The report is built a section at a time, and every section is yours to control. Set it verbose, balanced or concise. Run the report again to rebuild every section from your data. Rewrite any of it by hand. Then export the report, or the whole pack as a file with every register alongside it.
Of the six senior manager and certification roles on file, one carries a current assessment date. The remainder show no assessment date, no certification and no conduct training record.
One disclosure is recorded and the disclosure bank is not fully answered. It must be completed and signed off before that individual undertakes regulated activity.
Generic AI can quote the Handbook. Otto does that too, but that is not the point. Otto reads the record you hold on the AR in front of you, its due diligence, its reviews, its breaches and its people, and answers from that. Ask where an AR stands and you get its position, not a summary of the rules.
A fortnight to try it, a day to set it up, and a monthly plan you can leave whenever you like.
Start on any plan and put the whole platform to work for a fortnight — your firm, your data, your workflows.
The template library arrives pre-seeded. Most firms are running their monitoring programme the day they join.
Comprehensive onboarding, video tutorials and live support — from people who speak compliance.
Simple monthly billing. No minimum term and no setup fees.
White-label branding comes with Pro — add your logo, accent colour and sidebar palette once, and every screen your team or your clients open looks like it was built in-house.
Set once by your admin — live for every workflow and every user.
Everything you need to know about running an AR network on RegTechPRO
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