Show where every obligation is met, in the business's own processes.
Policies, processes and controls on one map, kept current by the teams who do the work, financial crime controls included.
Inside our conduct appetite?
- 1Outside
- 1Approaching
- 1Within
- Wording exceptions4 · limit 2Outside
- Complaints upheld22% · limit 30%Approaching
- Sanctions alerts open over 5 days0Within
Compliance cannot be the only owner of compliance.
Our reading: Lloyd's and the FCA both want the business in the evidence, so obligations have to sit with the people who run the work.
- Jan 2026 · Lloyd'sThe Principles are not "activities that can be delegated to compliance".Source: Lloyd's, Principles Board Attestation: Guidance for 2026, p3 (opens in a new tab)
- Feb 2026 · FCAFinancial crime has a named owner, and the FCA is "reviewing the effectiveness of financial crime systems and controls across a sample of our larger firms".Source: FCA SYSC 24.2.6R, PR (d); FCA, Regulatory Priorities: Insurance, February 2026 (opens in a new tab)
- Nov 2025 · FCAAt principal firms, "You must review each AR at least every 12 months", and the governing body signs off the self-assessment.Source: FCA, Principals: how to oversee your appointed representatives, updated 26 Nov 2025 (opens in a new tab)
What you get
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Every obligation on the business's own process map.
Each policy principle links to the controls that deliver it, so the evidence for each obligation stays current.
- Today
- A separate map of obligations
- With CoVi Analytics
- One map, shared with the business
Policy principleNo unapproved policy wordingControlWording approvalEvidenceRecorded by underwriting, as it works -
Findings closed as the business works, not at quarter end.
Actions sit with the business owner, with a date, in the same place the business does its work.
- Today
- By email, back at quarter end
- With CoVi Analytics
- With the owner, dated
Actions with the business- UnderwritingAction closedToday
- ClaimsEvidence addedToday
- Delegated authorityAction dueFriday
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A board report the business has already written into.
Complaints and conduct evidence come from the teams doing the work, with an owner and a date on every action. The FCA has flagged board reports produced "almost solely by Compliance teams".
- Today
- Written by compliance alone
- With CoVi Analytics
- Built from the business's own records
ComplaintsComplaints in 2026142- Closed within 8 weeks91%
- Upheld22% · limit 30%Approaching
- Referred to the Ombudsman4
Be the compliance partner the business works with, not around.
Obligations live in the business's own processes, so the evidence is recorded as the work is done.
See compliance built into the work.
Tell us which obligations weigh most on you, and leave knowing where to start.
We'll walk you through how it all comes together with Halden.