Whether you are a payment institution, a lending platform, a wealthtech or an insurtech, the regulatory burden is relentless and the manual overhead is enormous. Your compliance team spends more time assembling reports than managing risk.
A bespoke AI platform automates your regulatory reporting, monitors your transaction data in real time, streamlines customer onboarding and connects your unit economics. All on private UK infrastructure you own outright, with snapshot replication to a separate UK data centre.
FCA reporting, AML returns, transaction monitoring reports, CASS reconciliations. Each one pulled together manually from systems that do not talk to each other. Your platform connects your transaction data, your customer records and your compliance obligations in one place. Cortex generates regulatory reports automatically, flags anomalies before they become breaches and maintains the audit trail that regulators expect to see.
Transaction monitoring rules that fire after the event. SAR decisions made under time pressure without complete context. Your platform runs continuous pattern analysis across your transaction data. Cortex identifies behavioural anomalies and typology matches in real time, surfaces the full customer relationship context for every alert and drafts the SAR narrative when one is required. Your MLRO stops firefighting and starts managing risk.
KYC friction that your competitors have eliminated. Identity verification that takes days rather than seconds. Manual reviews that create backlogs. Your platform builds an intelligent onboarding journey that automates identity verification, runs risk-based due diligence in real time and escalates to human review only where genuinely needed. Drop-off tracked by step. Conversion optimised continuously.
Payment rails, banking APIs, data providers, identity verification services. Each one a fragile integration that needs maintenance, monitoring and occasional emergency repair. Your platform manages your integration layer, monitors connection health and alerts on failures before they impact customers. Your engineers stop babysitting infrastructure and start building the product that differentiates you.
Unit economics calculated monthly in finance. Marketing decisions made with data that is six weeks old. Your platform connects acquisition costs, activation rates, revenue per customer and churn in real time by cohort and by channel. Cortex tells you which channels are generating profitable customers and which ones are generating volume that looks good in the board pack but destroys margin in year two.
Complaints that are not resolved within FCA timeframes are not just a customer service failure they are a regulatory one. Your platform tracks every complaint from first contact to resolution, flags approaching deadlines and ensures the root cause analysis and response meet FCA expectations. Cortex drafts complaint responses in a compliant format and identifies recurring issues that signal a systemic problem.
FCA regulatory reports generated from your live data. CASS reconciliations run automatically. Transaction monitoring rules maintained and updated. Every compliance action logged with timestamp, decision rationale and outcome. When a regulator asks a question, Cortex produces the answer in minutes from an unimpeachable audit trail. Your compliance team focuses on judgement calls, not data assembly.
Continuous transaction pattern analysis against your own typologies and published industry red flags. Behavioural anomaly detection across customer accounts. Full relationship context surfaced for every alert. SAR narrative drafted by Cortex with all required fields populated. Your MLRO reviews and decides rather than assembles the case from scratch.
Risk-based onboarding that applies proportionate due diligence automatically. Standard customers verified and onboarded in minutes. Higher-risk customers escalated with full context. Drop-off tracked by step, by channel and by customer segment. Cortex identifies which onboarding friction points are losing you customers and models the conversion impact of removing each one.
Acquisition cost, activation rate, revenue per customer, churn and payback period tracked by cohort and by acquisition channel in real time. Cortex identifies which channels are generating profitable customers and which are generating growth theatre. Your marketing team stops optimising for volume and starts optimising for the customers who stay and pay.
Every complaint tracked from first contact to resolution. FCA deadline monitoring with automated escalation. Root cause categorisation that identifies systemic issues. Cortex drafts compliant responses and flags patterns that indicate a product or process problem. Your Head of Conduct stops managing a queue and starts managing outcomes.
Connection health monitoring across every API and data integration. Failure alerts before customers are impacted. Performance degradation tracked and flagged. Cortex maintains documentation for every integration and provides the context engineering teams need for faster incident resolution. Your developers stop babysitting infrastructure.
A fully built website managed from inside your platform. Regulatory disclosures always current. Product pages that convert. Compliance documents version-controlled and always accessible. Cortex generates content that explains complex financial products in plain language. SEO and GEO built in. No agency. No waiting for legal to approve a copy change weeks after you needed it.
Cortex knows your compliance position, your transaction monitoring alerts, your onboarding conversion data and your unit economics. Ask it about a regulatory request, draft a SAR, analyse a cohort or identify where your onboarding is losing customers.
"It answers like a Chief Compliance Officer who has read every rule, attended every FCA meeting and never lost a piece of audit evidence."
Every director takes two minutes on the last Friday of the month. The brain collates their updates, cross-references them against everything it knows about the business, and produces the board pack. Then it adds its own report: an independent analysis no director wrote, with no political considerations, that flags what the board needs to act on before the meeting starts.
Strong month for new business. Three enterprise pilots converted to full contracts. Regulatory dialogue with the FCA progressing constructively. Team morale good despite volume pressure. Headcount review due next quarter.
SUBMITTED · FRIDAY 16:38MRR at £284k, up 6% month on month. Gross margin holding at 71%. One large client invoice 28 days overdue, cash position stable. Series A spend tracking to plan with 14 months runway at current burn.
SUBMITTED · FRIDAY 16:42Platform uptime 99.94% this month. New onboarding API shipped on time. Tech debt sprint underway. Two engineers at risk of attrition, retention packages under discussion with HR.
SUBMITTED · FRIDAY 16:46SAR volumes within expected range. Annual AML audit scheduled for next month. One transaction monitoring rule requires tuning following three consecutive false positives on a known institutional client.
SUBMITTED · FRIDAY 16:50The following analysis was prepared by Cortex from the director updates above, combined with live platform data. It is independent of any director's submission and has been prepared without prior sight of the agenda.
Two senior engineers flagged at attrition risk represent approximately 34% of core platform capability. The retention packages under discussion need to be agreed before month end. Based on current hiring market data, replacing both would take four to six months and cost significantly more than the retention investment. This is the highest-priority people risk on the board's agenda this month and should not wait for the headcount review next quarter.
New enterprise contracts are converting well at the top of the funnel, but a pattern is emerging in month-two activation. Three of the last five enterprise clients have not completed full API integration within the 30-day onboarding window. This is not yet a churn signal but it is a customer success capacity signal. If the trend continues, NRR will be affected in Q1. Recommend a review of onboarding resource allocation this month.
The transaction monitoring false positive pattern on the institutional client needs formal review and documented rationale before the AML audit. An untouched false positive pattern heading into an audit creates unnecessary regulatory exposure. The CCO should confirm resolution and documentation to the board before the audit date.
MRR growth of 6% month on month is ahead of Series A projections. The three enterprise conversions are material and the pipeline quality looks strong. At current trajectory, runway extends to 18 months if burn remains disciplined. The overdue invoice is not a credit risk based on client history, but should be collected before month end.
Cortex has no politics, no relationships to protect and no agenda. It tells the board what the data says, not what anyone wanted it to say.
It has read every director's update and cross-referenced it against live platform data before it writes a word. No human could do that in 40 seconds.
Every claim references its source. The board can interrogate any finding and trace it back to the underlying data, transaction or record.
Runs under the Sheriff: cites sources, flags uncertainty, never invents figures and always distinguishes between what the data shows and what it recommends.
A 30 minute call. No deck, no pressure, no junior sales rep. You talk, we listen, and you leave with a straight answer on whether a brain makes sense for your business.