Show the FCA you are on top of every AR.
Run your own framework across every appointed representative in CoVi Analytics. ARs keep it current as they work, and you see the whole network as it happens.
- Risks
- Controls
- Processes
- AR 1Live
- AR 2Live
- New ARDay one
What changes for your network.
- Today
- Quarterly snapshots
- A spreadsheet to chase for every AR
- A hunt before each review
- With CoVi Analytics
- Quiet ARs show up as exceptions
- Same framework for every new AR
- The year's evidence already in
The FCA is watching how principals oversee their ARs.
Every AR needs a review at least every 12 months, and your board signs the self-assessment each year. Our reading: the evidence has to build all year, not in the review month.
Source: FCA, how to oversee your appointed representatives, 26 November 2025 (opens in a new tab)
- 12 Feb 2026 · ProposalHM Treasury proposes that acting as a principal will need its own FCA permission. It is a proposal, not yet a rule.Source: HM Treasury, Consultation: The Appointed Representatives Regime, 12 February 2026 (opens in a new tab)
- 21 Apr 2026 · Inactive ARsAn AR with no reported activity and no explanation is, in the FCA's words, "an indicator of weaknesses" in the principal's oversight.Source: FCA, Managing potential risks from inactive appointed representatives, 21 April 2026 (opens in a new tab)
- 5 Jun 2026 · Principal oversightThe FCA is "focused on strengthening principal firm oversight of ARs". It uses AR data to pick out the highest-risk principals.Source: FCA, Appointed representatives data, 5 June 2026 (opens in a new tab)
Your framework, run by every AR.
You set each control once. Every AR performs it in CoVi Analytics with its evidence, so you see exceptions across the network as they happen.
Learn more in the appointed representative annual review checklist- AR 08Evidenced
- AR 12Evidenced
- AR 31Overdue
- AR 47Evidenced
What you get
-
Spot a quiet AR when it goes quiet, not at the next quarterly snapshot.
Your framework runs across every AR, so an AR that stops reporting shows up as an exception, with no spreadsheet to open.
- Today
- A quarterly snapshot
- With CoVi Analytics
- Exceptions as they happen
Liveexceptions across the whole network
Network viewThis quarter- AR 12Business reportedActive
- AR 31No activityReview
- AR 47Business reportedActive
-
Add ARs without the cost of chasing growing with each one.
ARs update their controls, incidents and complaints as they work. Adding an AR means adding it to the framework you already run, not another round of chasing.
- Today
- A spreadsheet per AR
- With CoVi Analytics
- Same framework for every new AR
Flatthe cost of chasing as you add ARs, on the model a 50+ AR principal firm already runs
Principal firm view- AR 12Complaint loggedToday
- AR 08Control checkedToday
- AR 47Action closedToday
-
Start every annual AR review with the evidence already in.
Each AR's controls, complaints and actions build up in one place all year. The review the FCA requires every 12 months, and your board's self-assessment, start from it.
- Today
- A hunt before each review
- With CoVi Analytics
- The year's evidence already in
12 monthsof each AR's evidence, ready on day one of the review
Annual AR reviewAR 47Ready- Activity reported
- Controls evidenced
- Complaints reviewed
- Actions closed
Grow your network without growing oversight effort.
Take on more ARs and keep the same oversight quality, because each new AR runs on the framework you already have.
In use todayappointed representatives overseen by one UK principal firm on CoVi Analytics.
Waleed Sarwar, founderBuilt by a former Bank of England Solvency II policy author who has been interim Head of Risk at Liberty Mutual, Markel and Bupa.
See how it works for your AR network.
Tell us how many ARs you oversee, and leave knowing what to set up first.
Bring your AR list. We'll show you how your network would look.