7-day free trial included with every plan. No commitment required.
A
Anna AI
FCA Compliance Partner
“Here are your 3 immediate actions before the FCA supervisory visit…”
SYSC 6.1.1R · MLR Reg 21
Compliance Health
94%
✓
Annual Board Report
29 pages · Ready
Data Protection Review
JM
✓
25+ Years FCA Expertise
Bank-Grade Encryption
SOC 2 Infrastructure
ISO 27001 Infrastructure
UK Based & Hosted
ICO Registered
The Problem
Financial Crime Shouldn't Feel Like This
If your MLRO workflow lives in spreadsheets, Outlook folders, and a £60k-a-year outsourced consultant — you're one FCA supervisory letter away from a very bad month. This is where most small FCA-regulated firms are stuck.
BWRA in 11 spreadsheets. PEPs in a fourth.
Customer risk, PEP register, UBO list, sanctions hits, SAR log, G&H, third-party DD — every MLR 2017 obligation scattered across workbooks nobody version-controls. When the FCA asks for your 5-year evidence trail, you're flicking between FINAL_v7 and an email thread.
BWRA_2026_v11_FINAL.xlsx
PEP_Register_Q3.xlsx
Sanctions_Hits_LIVE.xlsx
£100k outsourced MLRO. Still your accountability.
Outsourced MLRO functions bill £40k–£100k a year. A one-off AML gap analysis is another £15k–£25k. You still carry the SMF17 risk, you still sign the MLRO Annual, and the consultant still hands you back a Word doc every December.
Outsourced MLRO (annual)£72,000
AML Gap Analysis£18,500
BWRA Refresh + Policies£11,200
OFSI notification clock: 24 hours.
SAMLA 2018 is strict liability. A confirmed sanctions match means OFSI within 24 hours, a detailed report in 21 days, and frozen-funds report inside a month. If you're still emailing the sanctions screener asking “is this a true hit?” — you're already late.
24hrs
OFSI breach notification deadline.
MLRO Annual Report: 5 days of the MLRO's year.
The 14-section MLRO Annual Report under JMLSG takes an experienced MLRO 3–5 days to write from scratch each year. REP-CRIM. Board quarterly. Audit findings. Training matrices. The regulatory reports never stop arriving — and they're all due at once.
MLRO Annual (JMLSG) — ?
REP-CRIM (SUP 16.23) — ?
Board FC Quarterly — ?
If your MLRO workflow currently lives in spreadsheets, a consultant's inbox, and the fortnight before the FCA supervisory visit — the Financial Crime Suite is for you.
The Financial Crime Edge
Three ideas that separate an outsourced-MLRO replacement from yet another AML template store.
Most financial-crime tools ship templates and generic AI. Financial Crime Suite is built on three principles that let Anna draft regulator-grade reports — live-data grounding, a structured gap instrument, and coverage across every UK financial-crime regime.
Anna reads your register. Not a template.
Every MLRO report is drafted from the firm's own live state — 25 structured data arrays serialised and sent to Anna with the instruction: *"Use ONLY the data provided — do not invent examples."* PEPs appear by name, registers render as tables, and output is a 14-section Annual MLRO Report (JMLSG), REP-CRIM, Board Quarterly, Executive Summary or Comprehensive Hybrid. ChatGPT cannot do this.
JMLSG-aligned · 5 report formats · Live-grounded
A £20k gap analysis. Running live.
132 structured questions across 14 chapters, each Anna-remediable with a prioritised Critical/High/Medium/Low action plan that cites MLR 2017, POCA, SAMLA, Bribery Act, CFA 2017, UK MAR, FCG or JMLSG by regulation. Firms that pay £15k–£25k for a one-off AML gap consultancy get the same instrument here, always on, tracked, with evidence notes attached per answer.
MLR 2017 · 132 questions · 14 chapters
Eight regimes. One workflow.
AML, CDD/EDD, Transaction Monitoring, Sanctions, ABC, SAR/STOR, Market Abuse, Tax Evasion and Anti-Fraud — every UK financial-crime obligation in one module, with a pillar-weighted Health score (customisable weights, RAG thresholds fixed at 80/50, deterministic maths) so the Board sees real strength and weakness, not an AI-judged number.
SYSC 6.3 · SAMLA 2018 · POCA ss 330–336
The Solution
Your MLRO function, as structured software.
One living record across 10 tabs and 36 accordion sections. 30 FCA-minimum controls, 132-question Gap Analysis, 27 pre-seeded high-risk jurisdictions, 10-policy governance library — every register, every obligation, every piece of evidence feeding Anna's five regulator-grade report formats.
A 30-second MLRO view of the firm: Financial Crime Health score (60% pillar composite + 40% FCA-minimum checklist), all 10 weighted pillars with RAG bars, the 30-control compliance checklist, and the six Key Review Dates — REP-CRIM +60 days post-YE, sanctions 31 Mar, MLRO annual — all on one screen.
The 14-section MLRO Annual Report under JMLSG — Anna drafts every section from your live registers. PEPs named from your PEP register, sanctions hits from your screening log, SARs from your NCA submissions, training from your matrix. Export to PDF, sign, file. Plus four more formats: REP-CRIM, Board Quarterly, Executive Summary, Comprehensive.
The built-in Financial Crime horizon feed: FCA, OFSI, HMT, FATF, NCA and JMLSG publications aggregated in one place. OFSI list updates, enforcement notices, Dear MLRO letters — with a direct route from headline to Horizon & Whistleblowing register entry, with impact, owner and target date.
The 14-Section MLRO Annual Report
Drafted by Anna. Attested by your MLRO.
The JMLSG-aligned annual report the FCA will ask for under SYSC 6.3 — drawn from your live BWRA, CDD registers, TM alerts, sanctions hits and SAR log, with every claim mapped to MLR 2017, POCA, SAMLA and the Bribery Act. Three days of MLRO drafting compressed into one SMF17 review cycle.
Every section. Every UK financial-crime anchor.
Anna drafts all 14 sections of the JMLSG-aligned MLRO Annual Report from your own 27 register arrays — BWRA ratings, customer risk segments, PEP population, TM alerts, sanctions hits, SARs raised and DAML outcomes. Each section cites MLR 2017, POCA, SAMLA, Bribery Act, CFA 2017, UK MAR, JMLSG or the FCG so the supervisor can trace every claim to its statutory source.
14
Sections drafted
132
Gap-analysis questions
30
FCA-minimum controls tested
~30s
To full draft
1
Executive Summary & MLRO Confirmation
SYSC 6.3
2
The MLRO Function & Resources
MLR 21
3
Financial Crime Governance
SYSC 4 / 6.3
4
Business-Wide Risk Assessment
MLR 18
5
Customer Due Diligence & EDD
MLR 27–37
6
Transaction Monitoring
JMLSG 5.7
7
Sanctions Compliance
SAMLA s11
8
SAR Statistics & DAML
POCA s330
9
Anti-Bribery & Corruption
Bribery Act s7
10
Fraud, Market Abuse & Tax Evasion
CFA 2017 s45
11
Training & Competence
MLR 24
12
Policies, Audit & Assurance
JMLSG 5.2
13
Regulatory Engagement
SUP 15.3
14
Conclusions & Forward Plan
FCG Ch.2
FCA FCG · live disclosures register
Every internal SAR. Every sanctions hit. Timestamped.
The NCA and the FCA both ask the same question on every supervisory visit: show us your disclosures log. Here it is — MLRO-decisioned within 72 hours, cross-referenced to the customer file, and preserved beyond the five-year MLR retention floor.
Raised by
Disclosure / alert
Date raised
Status
Amina Okonkwo
Onboarding Analyst · 1LoD
Internal SAR: UBO on corporate onboarding declined source-of-wealth question twice; PEP proximity flagged on OFSI rescreen.
Mar 24, 2026
DAML filed
Rajesh Iyer
TM Analyst · 2LoD
Structuring pattern on MID-risk SME — 14 sub-£10k inbound faster payments in 7 days against a £38k historic monthly average.
Mar 12, 2026
MLRO review
Helena Brandt
Sanctions Officer · 2LoD
OFSI 94% fuzzy match on beneficiary account — name variant on Russia SSI list. Payment quarantined; OFSI notified within 24 hrs.
External SAR to NCA: politically exposed client instructed third-country transfer inconsistent with stated wealth source.
Jan 30, 2026
NCA acknowledged
Three named attestors. One SM&CR audit trail.
MLR 2017 reg 21 and SYSC 6.3 demand personal accountability — not a committee. The MLRO (SMF17) confirms adequacy, the senior manager responsible for financial crime (SMF2) counter-signs, and the CEO (SMF1) attests. Once locked, the report is immutable and reproducible across the NCA’s five-year MLR retention window.
SMF17 · MLRO
Priya Narayanan
Money Laundering Reporting Officer
Signed Mar 27, 2026
SMF2 · Chief Compliance
Jennifer Okafor
Chief Compliance Officer
Signed Mar 28, 2026
SMF1 · Chief Executive
Shivani Patel
Chief Executive Officer
Signed Mar 29, 2026
Report locked · Mar 29, 2026 · 17:08 GMTRead-only. Source-matched to 27 live register arrays. Reproducible across the full MLR 2017 five-year retention horizon.
What's Included
Every FC obligation the UK puts on your firm — in one module.
AML, CDD/EDD, Transaction Monitoring, Sanctions, SAR/STOR, ABC, Fraud, Market Abuse, Tax Evasion — the BWRA, the 25 live registers, the 30-control FCA-minimum checklist, the 132-question Gap Analysis, the 10-policy governance library, and Anna's five regulator-grade report formats.
Flagship
The 14-section MLRO Annual Report. Anna-drafted from your live data.
A senior MLRO would spend 3–5 days writing this from scratch. Anna drafts every section from your registers — PEPs named from your PEP register, sanctions hits from your screening log, SARs from your NCA submissions — per-section regenerate, export to PDF.
“Drafted Section 5 from your OFSI screening log, 2 confirmed hits, 1 OFSI licence and 0 breaches. Cited SAMLA 2018 s 11 and FCG Ch 7.”
£40–100k
Outsourced MLRO retainer replaced
14
JMLSG sections
5
Report formats
Statutes cited: MLR 2017 · POCA 2002 · SAMLA 2018 · Bribery Act 2010 · CFA 2017 · UK MAR · JMLSG · FCG
✓ Drafted from 25 live registers, not templated placeholders
✓ Per-section regenerate — refresh Sanctions alone if OFSI updates
✓ REP-CRIM, Board Quarterly, Executive Summary all ship alongside
✓ Every claim traceable to statute — supervisor-ready by construction
PDF ready
Financial Crime Health
10 weighted pillars. 30-control checklist. One score.
60% pillar composite plus 40% FCA-minimum checklist — RAG-banded at Green ≥80, Amber 50–79, Red <50. Customise the pillar weights to your own risk profile; the score recomputes live.
Composite score
Green ≥ 80
94%
FC Health
Complete56
Partial10
Not started0
Sections tracked36
Live recompute
Weights updated
10 Weighted Pillars
FCA-priority defaults. Re-weight to your risk.
A PI/EMI can weight Sanctions to 30; a wealth manager can push CDD to 22; an IFA can drop TM to 8. The defaults reflect FCA enforcement priorities — but the sliders are yours. Every weight change recomputes the Health score live.
Pillar weights
Live
AML Core
22%
Sanctions
18%
Transaction Mon.
14%
CDD & EDD
12%
SAR / STOR
10%
ABC & G&H
8%
+ Fraud / MAR / Tax / Gov
16%
Sum = 100%
30-Control Checklist
Every FCA-minimum control. Mapped to statute.
The 30-row FCA-minimum grid: MLRO at management level, UBO at 25%, EDD for PEPs, OFSI within 24 hours, SAR process, ABC six MoJ principles, CFA 2017 reasonable prevention. Every row cites the exact UK source — MLR 2017, POCA, SAMLA, Bribery Act, CFA 2017, UK MAR, JMLSG, FCG.
FCA-minimum grid
29 / 30 Met
Control
Regulatory source
Status
MLRO appointed (SMF17)
MLR 2017 reg 21(3)
Met
UBO > 25% verification
MLR 2017 reg 28
Met
EDD for PEPs + SoW
MLR 2017 reg 33/35
Met
OFSI 24-hr notification
SAMLA 2018 s 21C
Met
DAML procedure
POCA 2002 ss 335–336
Met
ABC six MoJ principles
Bribery Act 2010 s 7
Partial
CFA 2017 prevention
CFA 2017 s 45/46
Met
Statute-cited
Sanctions Screening
OFSI · UN · EU · OFAC. 24-hour list-update SLA.
Strict liability under SAMLA 2018. Fuzzy match, onboarding + transaction + rescreen, full hit-log with match score, investigator, approver, disposition.
Hit log
SAMLA 2018
2
Hits
0
Frozen
1
OFSI Licence
OFSI list refresh – 24-hour SLA · last synced 18 Apr 2026 · SAMLA 2018 s 21C
Strict liability
SAR / STOR Register
Internal · External · DAML · STOR.
Internal SAR within 24 hrs, MLRO decision within 72 hrs, NCA without delay, DAML 7-day + 31-day moratorium, STOR to FCA within 1 working day. POCA ss 330–336 · UK MAR Art 16 · Terrorism Act 2000 s 21A.
SLA register
POCA · MAR
1
NCA SAR
0
STORs
100%
72-hr SLA
✓ 1. Internal SAR raised — 24 hrs
✓ 2. MLRO decision — 72 hrs
✓ 3. NCA submission — without delay
◐ 4. DAML response — 7-day window
○ 5. Moratorium (if refused) — 31 days
Statutory anchor: POCA 2002 ss 330–336 · Terrorism Act 2000 s 21A · UK MAR Art 16 for STORs.
132 structured questions across 14 chapters — Governance, MLRO, Training, CDD/EDD, BWRA, TM, Sanctions, SAR/STOR, ABC, Fraud, MAR, Tax, Record Keeping, Third Parties. Met / Partial / Not Met / N/A with evidence notes, plus “+ Generate remediation plan (Anna AI)”.
14-chapter audit
Evidence-backed
124
Met
7
Partial
97%
Gap Score
Remediation by Anna
CDD · EDD · PEP · UBO
Four live registers. 5-year retention.
Customer Risk, PEP, UBO >25%, and EDD Case File — dual SMF17 + SMF1 PEP approval matrix, SoF/SoW verification, ongoing-monitoring cadence.
Registers
SMF17 + SMF1
5 Customers3 High Risk
PEP RegisterSMF Approved
UBO > 25%Verified
SoF / SoW tracked
10-Policy Library
Every FC policy. One tile each.
AML · CDD · Sanctions · ABC · G&H · Anti-Fraud · Market Abuse · Tax Evasion · STOR Manual · AML Gap Analysis Manual — each with its statutory anchor and Board-approved date.
Fraud Act 2006 internal & external typologies, UK MAR surveillance with 11 scenarios and 15% random comms sampling (7-year retention per MiFID II), Insider List, PA Dealing with 30-day holding, Chinese Walls, and CFA 2017 reasonable prevention procedures for UK and foreign tax evasion.
Typology library
7-yr retention
Fraud Act 2006UK MAR Art 7/16/18/19COBS 11.7CFA 2017 s 45/46SUP 15.3.17R
15% comms sampled
Training Matrix
Every staff member. 30-day onboard. Annual refresh.
MLR 2017 reg 24 — financial crime training for all staff within 30 days of joining, annual refresher, records retained 5 years. Staff-by-staff completion, score and next-due, auto-flagged in the MLRO Annual Report.
Training log
MLR reg 24
100%
Completion
Avg 94%
Score
5 yr
Retention
Auto-flagged in MLRO report
Key Review Dates
Six statutory dates. Always front-and-centre.
Policy annual review · BWRA next review · Sanctions review (31 Mar YYYY+1) · REP-CRIM (+60 days post year-end, SUP 16.23) · MLRO annual report · Independent audit — computed from your data and pinned to the dashboard strip.
Statutory calendar
SUP 16.23
REP-CRIM+60d post-YE
Sanctions Review31 Mar 2027
Independent AuditScheduled
Pinned to dashboard
5 Anna Report Formats
One dataset. Five regulator-grade outputs.
Every generation uses your firm’s actual registers — BWRA ratings, PEP populations, TM alerts, sanctions hits, SARs filed — not templated placeholders. Per-section regenerate means refining just the Sanctions section if OFSI adds a designation; the rest of the report stays intact.
Output formats
Per-section regen
Format 1
MLRO Annual
JMLSG · 14 sections
The statutory annual the FCA expects under SYSC 6.3
Format 2
REP-CRIM
SUP 16.23 · Annual
Financial Crime Return to the FCA
Format 3
Board Quarterly
SYSC 4.3A · Q1–Q4
Risk committee / board-pack deliverable
Format 4
Executive Summary
1-page · SMF17
One-page brief for CEO / CRO
Format 5
Comprehensive
s.166 · Skilled-person
Full hybrid pack for audit / s.166
Moat: generic AI tools can’t do this without the structured-data pipeline. 27 registers + 36 section statuses + 10 pillar weights + 132 gap-analysis answers serialised into every generation.
No placeholders
Anna AI · Live-Data-Grounded
Anna’s prose names your PEPs. Not placeholder examples.
Every Anna generation serialises your full module state — all 25 registers, 36 section statuses, 10 pillar weights, 132 gap-analysis answers — and grounds the output in it. System prompt: “Use ONLY the data provided — do not invent examples.” Tables are built from your registers. When your data changes, the next generated section changes with it. Generic AI tools can’t do this without the structured-data pipeline this module already is. That’s the moat.
£500/month · Add to any RegTechPRO subscription · Cancel any time
Anna AI for Financial Crime
Ask her MLR 2017 questions. Let her write your 14-section MLRO Annual Report.
Anna is trained on MLR 2017, POCA 2002, SAMLA 2018, Bribery Act 2010, CFA 2017, UK MAR, JMLSG and FCG. She answers AML, sanctions, PEP, UBO and SAR questions in seconds — cited to statute — and writes every section of your MLRO Annual Report (plus REP-CRIM, Board Quarterly, Executive Summary and Comprehensive) from your own live registers.
Hi, I'm Anna!
MLRO-GRADE · MLR 2017 · POCA · SAMLA TRAINED
Your MLRO’s AML research desk and 14-section report author, in one.
Anna does two things for Financial Crime. First, she’s on call to answer any AML, CDD/EDD, PEP, sanctions, SAR or market-abuse question your team throws at her — cited to MLR 2017, POCA, SAMLA, Bribery Act, CFA 2017, UK MAR, JMLSG or FCG. Second, she drafts the 14-section MLRO Annual Report (plus four more regulator-grade formats) from your firm’s own live registers — naming your actual PEPs, your actual sanctions hits, your actual SARs.
Answers MLR 2017, POCA, SAMLA, Bribery Act, CFA 2017 & UK MAR queries with statutory citations
Drafts the 14-section MLRO Annual Report (JMLSG) in minutes, not days
Grounded in your 25 registers — PEPs, UBOs, EDD cases, TM alerts, SARs, G&H, fraud incidents
Never reports for you — MLRO keeps SMF17 accountability at input & sign-off
Your MLRO research desk
Ask Anna any financial-crime question. Get a statute-cited answer.
“When does EDD trigger under MLR 2017 reg 33?” “Do we need to file a DAML before releasing this payment?” “Is this OFSI hit a true match — what do we do in 24 hours?” Anna answers from MLR 2017, POCA, SAMLA, the Bribery Act, JMLSG and your live Financial Crime data — in seconds, with citations.
MLR 2017, POCA, SAMLA, Bribery Act, CFA 2017, UK MAR grounded
Cites statute, regulation & your own registers
Reads your 25 live registers (PEP, UBO, sanctions, SAR…)
Available across every FC tab
A
Anna AI
Online · AI Compliance Advisor
OFSI screening just flagged a 92% match on a new onboarding customer. What do we do in the next 24 hours?
Treat as a live sanctions incident — SAMLA 2018 is strict liability. Four immediate steps:
Freeze, don’t proceed — suspend onboarding and any payment flows (SAMLA 2018 s 11). Do not tip off the customer.
Confirm the match — run secondary checks (DOB, nationality, UBO) and document the disposition in the Sanctions Hit Log
OFSI within 24 hrs — if confirmed, report via OFSI compliance reporting form; detailed report within 21 days (s 34)
Frozen-funds report — within 1 month if any funds fall under the freeze; FCA SUP 15.3 notification in parallel
Your OFSI Licence Register has no active licence for this name — don’t rely on a general licence without checking. I’ve drafted the notification email for your review.
Drawn from: SAMLA 2018 s 11 / 21C / 34 · FCG Ch 7 · Your Sanctions Hit Log
Ask Anna anything about AML, sanctions or SARs…
→
Anna unbundles the £40k–£100k outsourced MLRO. For £500 a month.
She writes the 14-section MLRO Annual from your live registers, produces REP-CRIM and the Board Quarterly on demand, and answers any AML, sanctions or SAR question your team asks — cited to statute. See her draft your MLRO Annual in a live demo.
From MLROs to Heads of Financial Crime — how firms are replacing outsourced AML consultants and spreadsheet BWRAs with a single live MLRO operating system.
5.0
I used to spend the first week of every year writing the MLRO Annual from scratch — flicking between the PEP workbook, the sanctions log, the SAR folder and half a dozen emails. Now Anna drafts all 14 sections from our live registers and I sign it. The BWRA, the 30-control checklist and the Gap Analysis sit in one place, and I can answer an FCA supervisor's question in 30 seconds instead of 30 minutes.
James HartleyMLRO (SMF17) — Payments & E-Money Firm
4.7
We were paying £78k a year for an outsourced MLRO function that produced a Word doc every December. I trialled the Financial Crime Suite against our existing data, did the 132-question Gap Analysis in an afternoon, and Anna drafted a better MLRO Annual than the consultant had ever delivered. £500 a month instead of £6,500. The sanctions and SAR registers alone are worth the subscription.
Li ZhangHead of Financial Crime — Wealth Manager
FAQs
Financial Crime Suite — Questions Answered
Everything you need to know about the MLRO workflow, Anna’s 14-section report, the Gap Analysis, and how the module sits inside MLR 2017, POCA and SAMLA.
Does Anna really draft the whole 14-section MLRO Annual Report?
Yes. Anna drafts all 14 sections of the JMLSG-format MLRO Annual from your firm’s live data: BWRA outcome, CDD/EDD population, sanctions screening activity, TM alerts, SARs, ABC & G&H, fraud incidents, market abuse, tax evasion (CFA 2017), training and independent audit. She names your actual PEPs, your actual sanctions hits, your actual SAR references — never placeholder examples. You review, edit, sign and export. A MLRO would usually spend 3–5 days on this. Anna does it in minutes.
Which other regulator-grade reports can Anna produce?
Five formats in total from the same dataset: (1) MLRO Annual (JMLSG), (2) REP-CRIM (SUP 16.23 — due 60 days post-year-end), (3) Board Quarterly Pack, (4) Executive Summary, (5) Comprehensive. Per-section regenerate means you can refine just the Sanctions section if OFSI changes a listing, without rewriting the whole report. Every generation uses the system prompt “Use ONLY the data provided — do not invent examples.”
Is it mapped to MLR 2017, POCA, SAMLA and JMLSG?
Every section, explicitly. Governance maps to MLR 2017 reg 21 & SYSC 6.3; BWRA to MLR 2017 reg 18 & FCG Ch 2; CDD/EDD to MLR 2017 regs 27–37; Sanctions to SAMLA 2018 s 11/21C/34 & FCG Ch 7; SAR/STOR to POCA ss 330–336 & UK MAR Art 16; ABC to Bribery Act 2010 s 7 & the MoJ Six Principles; Tax Evasion to CFA 2017 s 45/46; Fraud to Fraud Act 2006 & FCG Ch 8. Each accordion field carries its own regulatory reference tag.
Can we edit the draft before the MLRO signs it off?
Yes — every section is editable, and Anna can regenerate any individual section if your underlying data changes. The 14-section structure stays; your content is yours to refine. The module keeps an auto-save trail (sub-second debounced), and the MLRO attests at export. SMF17 accountability never leaves the human.
What does the Financial Crime Suite actually cover?
Eight regulatory regimes across 10 tabs: AML (MLR 2017 / JMLSG / FCG), CDD & EDD (MLR 2017 regs 27–37), Transaction Monitoring (MLR 2017 reg 28(11), JMLSG Pt I 5.7), Sanctions (SAMLA 2018 / OFSI), SAR/STOR (POCA ss 330–336, UK MAR Art 16), ABC & G&H (Bribery Act 2010, MoJ Six Principles, SYSC 10), Fraud (Fraud Act 2006, FCG 8), Market Abuse (UK MAR Art 7/16/18/19, COBS 11.7), Tax Evasion (CFA 2017 s 45/46). Governance & Training covers MLRO & Oversight, 10-policy library, independent audit, whistleblowing and horizon scanning.
How does the 132-question Gap Analysis work?
132 structured questions across 14 chapters: Governance (12), MLRO Function (9), Training (11), CDD & EDD (13), BWRA (10), Transaction Monitoring (9), Sanctions (10), SAR/STOR (9), ABC (10), Fraud (9), Market Abuse (10), Tax Evasion (7), Record Keeping (7), Third Parties (6). Each question has a Met / Partial / Not Met / N/A answer, a regulatory-reference tag and an evidence/notes field. Anna’s “+ Generate remediation plan” produces a prioritised table with owner, specific action and target date — cited to MLR 2017, POCA, SAMLA, Bribery Act, CFA 2017, UK MAR, FCG or JMLSG.
Are high-risk jurisdictions pre-loaded?
Yes — 27 countries across three regulatory categories: FATF Call for Action (DPRK, Iran, Myanmar), Comprehensive UK sanctions (Russia, Belarus), and the 22-country FATF Grey List (Algeria, Angola, Bulgaria, Burkina Faso, Cameroon, Côte d’Ivoire, Croatia, Haiti, Kenya, Mali, Monaco, Namibia, Nepal, Nigeria, Philippines, South Africa, South Sudan, Syria*, Tanzania, Venezuela*, Vietnam, Yemen*). Syria, Venezuela and Yemen carry both Grey-list status and UK sanctions exposure. This is data firms normally buy from FATF vendors — shipped.
Can I customise the FC Health score weights?
Yes — this is a genuine differentiator. The dashboard “+ Customise weights” opens 10 sliders (AML 22 / Sanctions 18 / TM 14 / CDD 12 / SAR 10 / ABC 8 / Fraud 6 / MAR 5 / Tax 3 / Governance 2 by default — FCA enforcement priority). A PI/EMI can weight Sanctions to 30; a wealth manager can push CDD to 22; an IFA can drop TM to 8. The Health score recomputes live. The 60% pillar + 40% checklist composite means a firm can’t self-serve-tick its way to green without meeting the hard FCA minimums.
How does it integrate with the rest of RegTechPRO?
Live cross-module flows: evidence tagged Financial Crime surfaces in the Document Library and in the relevant FC register; horizon items from the Horizon Scanning module pre-populate the FC Horizon & Whistleblowing tab; training completions feed the Training Matrix; the 10 FC policies live in the Policy Library and are pulled into the Governance & Training tab; FC breach events flow into the platform-wide breach register. One platform, one set of data, one source of truth.
How much does the Financial Crime Suite cost?
£500/month as an optional add-on to any RegTechPRO subscription — £6,000/year. Cancel any time. For context: firms currently pay £40k–£100k/year for an outsourced MLRO function (that still leaves you carrying SMF17 risk), £15k–£25k for a one-off AML gap analysis, and 20+ MLRO days a year on the MLRO Annual alone. See regtechpro.co.uk/pricing for the full modular calculator.
Who is this module for?
Any FCA-regulated firm with meaningful financial-crime exposure: payments & e-money (PIs / EMIs), crypto, HNW and wealth management, offshore/international, PEP-exposed relationships, insurance & broking, consumer credit, claims management, fund management and investment firms. If you have an MLRO, a BWRA obligation and a REP-CRIM due, this module is built for you. Compliance consultants running an MLRO book across multiple clients also use it — each workflow is its own workspace.
How long does setup take?
Under a day for a small firm. The module ships pre-seeded with all 30 FCA-minimum controls, the 132-question Gap Analysis, the 27 high-risk jurisdictions, the 10-policy library, the six Key Review Date templates, the 11-scenario UK MAR surveillance schema and the FCA-priority pillar weights. Add your MLRO & Deputy, your platform/provider choices, run the “Demo data” toggle off to start clean, and begin attesting. No migration project, no consultant needed to “design the framework”.
I’m a compliance consultant — can I run this across my MLRO clients?
Yes — it’s one of the module’s strongest use cases. Each client has its own workspace with its own BWRA, its own PEP/UBO registers, its own sanctions log and its own MLRO Annual. You run the production line; the firm’s MLRO retains SMF17 accountability. The “All Workflows” aggregated view is read-only by design (cross-client data is never overwritten), and historical data locks so a 2026 MLRO Annual stays reproducible when someone asks for it in 2028.
Does Anna ever file reports on my behalf?
No. Anna synthesises and drafts — she never files. The design principle is deliberate: human accountability at the input (your 132 Gap Analysis answers, your register entries, your BWRA narrative), AI efficiency in the middle (the 14-section MLRO Annual draft, the REP-CRIM, the Board Quarterly), human sign-off and submission at the output. The MLRO keeps SMF17 accountability throughout — exactly the division of labour JMLSG and FCA supervision expect.
What does Anna actually cite when she writes?
MLR 2017 (regs 18 through 40), POCA 2002 (ss 330–336, 333A), SAMLA 2018 (ss 11, 21C, 34), Terrorism Act 2000 (s 21A), Bribery Act 2010 (ss 6 / 7) and the MoJ Six Principles, CFA 2017 (s 45 / 46), UK MAR (Art 7 / 16 / 18 / 19), FCA SYSC (6.1, 6.3, 10, 15A), COBS (2.3A, 11.7), FCG, JMLSG Pt I & Pt II, and FATF & OFSI publications. She also cites your own data — the specific PEP, the specific sanctions hit, the specific SAR reference that underpins each paragraph.
How is Anna’s output grounded in our actual data (not hallucinated)?
On every generation, the module serialises the full Financial Crime state — all 25 registers, 36 section statuses, 10 pillar weights, 30-control checklist state, 132 Gap Analysis answers and every form field — into a single JSON payload and sends it to Anna with the system prompt “Use ONLY the data provided — do not invent examples.” Tables embedded in the report are auto-built from your register entries. When your data changes, the next generated section reflects that change. Generic AI tools (ChatGPT, Gemini, Copilot) can’t replicate this without the structured-data pipeline this module already is.
What audit trail do inspectors see?
Every register row, section-status change, Gap Analysis answer and form field is timestamped with user and date. The 25 live registers (customer risk, PEP, UBO, EDD case file, TM alerts, sanctions hits & breaches, frozen assets, OFSI licences, internal SARs, external SARs, STORs, insider list, PA dealing, G&H, associated persons, third-party DD, fraud incidents, conflicts, breaches, training, whistleblowing, high-risk jurisdictions, horizon scanning, timeline) each carry their own evidence trail. A 2026 MLRO Annual stays reproducible in 2028 — source data still matches the sentence.
Your MLRO function. As structured software.
The complete UK financial-crime operating system — 10 tabs, 25 live registers, 30 FCA-minimum controls, 132-question Gap Analysis and five Anna-drafted regulator-grade reports including the 14-section MLRO Annual. £500/month, add to any RegTechPRO subscription, cancel any time.
