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Financial Services Intelligence

Your compliance officer's second brain.

CirclAI reads your regulatory documents — FCA handbook references, compliance manuals, audit reports, enforcement notices — and tells you where your gaps are, what's due, and what the regulator will ask about next.

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The problem

The FCA doesn't accept "we didn't know" as a defence.

Consumer Duty, SM&CR, conduct risk, anti-money laundering — every obligation has evidence requirements, filing deadlines, and board reporting duties. When the regulator visits, they want to see a documented trail from rule to implementation. CirclAI builds that trail from your existing documents and flags where it's missing.

How CirclAI helps

Regulatory Obligation Tracking
Extract every FCA, PRA, and statutory obligation from your compliance manual and regulatory correspondence. Track deadlines, evidence requirements, and filing dates.
Compliance Gap Detection
Upload your compliance manual and CirclAI maps each section against the FCA Handbook. Where are your gaps? Which rules have changed since your last policy review?
Conduct Risk Intelligence
Analyse complaints data, compliance monitoring reports, and TCF assessments. CirclAI identifies patterns of poor customer outcomes before the regulator does.
Enforcement Analysis
Upload Final Notices and enforcement decisions. CirclAI extracts the rule breaches, penalties, and remediation requirements — benchmark against your own compliance position.
Board MI Generation
Generate board-ready compliance MI from your raw regulatory data — obligation status, gap summary, conduct risk register, filing calendar.

What CirclAI extracts

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Regulatory Obligations
Consumer Duty outcome monitoring — quarterly to board
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Compliance Gaps
No vulnerable customer policy despite FCA FG21/1
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Conduct Risks
Suitability reports not referencing client risk profile
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FCA Handbook
PRIN 2A.1 (Cross-cutting rules), SYSC 4.1
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Enforcement Actions
Final Notice — £2.1M for TCF failures
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Filing Deadlines
Annual return by 30 April, REP-CRIM by 31 March

Example: Compliance Intelligence Report — Q3 2026

✓ Obligations: 23 FCA obligations tracked — 2 approaching deadline (REP-CRIM, annual return), 1 overdue (SM&CR fitness assessment)
✓ Gaps: 4 compliance gaps identified — vulnerable customer policy missing, Consumer Duty board report not evidenced, suitability MI not tracking outcome 3, AML risk assessment 18 months stale
✓ Conduct Risk: 3 complaint patterns identified — investment suitability (12 complaints), fee disclosure (8 complaints), switching delays (5 complaints)
✓ Enforcement Intelligence: 3 recent FCA Final Notices in peer group analysed — common theme: inadequate MI to board on consumer outcomes
✓ Actions: 8 remediation items with owners, deadlines, and FCA Handbook cross-references
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