Twenty jobs your core system does not do.
Standalone apps that plug into your existing systems, each testing one obligation continuously and keeping the evidence.
The principle
They do not tell you what the rules say. They show whether you are following them, record who reviewed what, and never call anything a breach.
The twenty
Each is specified against verified Handbook references and built on the same mirror as Guardian.
Core
1. FCA Guardian – Automated Compliance AuditorAudits loans, calls, complaints, collections, promotions and outcomes against the Handbook and your own policies, continuously.2. FinProm AIReviews every promotion before publication and keeps the approval record.3. Consumer Duty Outcomes EngineAnswers the four outcome tests from live data and drafts the board report.4. AR Principal OSPer-AR risk, annual and triggered reviews, the self-assessment document and scope-creep scanning, with a separate tier for introducer ARs.
Evidence lenses
5. Responsible Lending QARe-performs every lending decision overnight and shows weak verification and override drift by underwriter.6. Vulnerability AIDetects indicators across calls, chat, email and notes, and proves what happened next.7. Arrears & Forbearance GuardianAn arrears support record for every account, tested against CONC 7.8. Complaints & FOS AIStructured complaints, systemic-issue detection, DISP clocks and evidence-backed drafting.9. Customer Understanding TesterTests comprehension before completion and proves the fix improved it.10. Fair Value EngineInitial and ongoing value assessments, with the pack distributors need.14. 100% Call Monitoring AIEvery sales, underwriting and collections call scored against its own rule set.
Distribution and market
13. Broker & Lead-Source GuardianPer-broker outcomes, commission disclosure and fee checks, with an enhanced-oversight workflow.16. Marketing Resurrection CheckerGoverns re-marketing to abandoned applicants, dormant and former customers.17. Mortgage Arrears AssistantAn MCOB 13 payment-difficulty workflow with capitalisation and repossession controls.18. Pawnbroking Compliance OSPledge records, notices, redemption and sale controls.
Governance
11. SMF Reasonable Steps VaultA contemporaneous reasonable-steps record for each senior manager in core and enhanced firms.12. FCA Returns AutomationDraft returns from operational data, every figure reconciled to source, with PSD file validation.15. CCA Document GuardianAgreements, statements and statutory notices checked, with a statutory calendar for each customer, built to survive Consumer Credit Act reform.19. Regulatory Change AIReads Handbook changes and FCA publications, and updates obligations and controls.20. FCA Evidence Room / Regulatory Response AIAssembles the pack for an FCA request and tracks what must be notified.
Also: a deferred payment credit compliance pack, for lenders regulated since 15 July 2026.
Tell us the job.
Which obligation costs you the most checking time? Start there.