FinTech Archives - Complyportal https://complyportal.uk/tag/fintech/ Wed, 05 Mar 2025 12:22:45 +0000 en-GB hourly 1 https://wordpress.org/?v=6.9.1 https://complyportal.uk/wp-content/uploads/2025/02/1cb60d6a-4d86-422b-ae02-1eb3f14631bc_b-100x100.png FinTech Archives - Complyportal https://complyportal.uk/tag/fintech/ 32 32 How Organisational Growth Can Threaten Compliance Processes https://complyportal.uk/how-organisational-growth-can-threaten-compliance-processes/ Wed, 05 Mar 2025 12:22:44 +0000 https://complyportal.uk/?p=18691 How Bad Compliance Processes can restrict Organisational Growth In the context of UK financial services, compliance risks associated with organisational scalability can pose significant threats to firms. As firms grow and expand, they face increased complexity in managing compliance obligations, which can lead to various risks if not properly addressed.   Here are some of the key threats we have identified: Increased Regulatory Scrutiny: As firms scale, they often attract more attention from regulators such as the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA). This increased scrutiny can lead to more frequent inspections and audits, heightening the risk of regulatory breaches being identified.   Complexity in Compliance Management: Scaling operations often involves entering new markets, offering new products, or acquiring other businesses. Each of these activities introduces new regulatory requirements and compliance challenges, increasing the complexity of compliance management.   Resource Constraints: Rapid growth can strain existing compliance resources. Firms may struggle to allocate sufficient personnel and technology to manage compliance effectively, leading to potential gaps in compliance coverage.   Inconsistent Compliance Practices: As organizations expand, maintaining consistent compliance practices across different business units and geographies becomes challenging. Inconsistencies can arise in how compliance policies are implemented and monitored, increasing the risk of non-compliance.   Data Management Challenges: Scaling often results in increased data volumes and complexity. Firms must ensure that their data management practices comply with regulations such as the General Data Protection Regulation (GDPR) and UK-specific data protection laws. Failure to manage data effectively can lead to breaches and significant penalties.   Inadequate Risk Assessment: As firms grow, they may encounter new risks that were not previously considered. Inadequate risk assessment processes can result in unidentified compliance risks, leaving the firm vulnerable to regulatory action.   Cultural and Governance Issues: Rapid expansion can dilute a firm’s compliance culture and governance structures. Ensuring that all employees, including those in newly acquired or established units, adhere to the firm’s compliance standards is crucial to mitigating risks.   Technology Integration Risks: Scaling often involves integrating new technologies and systems. Ensuring that these technologies comply with regulatory requirements and do not introduce vulnerabilities is essential. Poor integration can lead to compliance failures and operational disruptions.   Third-Party Risks: As firms scale, they may rely more on third-party vendors and partners. Ensuring that these third parties comply with relevant regulations and do not introduce additional compliance risks is critical. Failure to manage third-party risks can result in regulatory breaches and reputational damage.   While organisational scalability offers growth opportunities, it also presents significant compliance risks for financial services firms. Proactively addressing these risks through robust compliance frameworks, adequate resource allocation, and effective risk management strategies is essential to safeguarding the firm’s reputation and ensuring regulatory adherence.   One such way is digitised compliance monitoring, the solution that not only enhances compliance management but also supports organisational scalability. Here are some key benefits of adopting digitised compliance monitoring: Efficiency and Automation Management and Oversight of processes Improved Accuracy and Consistency Enhanced Data Analytics and Reporting Cost Effectiveness Enhanced Risk Management Regulatory Compliance and Adaptability   Digitised compliance monitoring is a strategic investment that supports organisational scalability by enhancing efficiency, accuracy, and risk management. By adopting digital solutions, organisations can navigate the complexities of compliance with confidence, ensuring sustainable growth and regulatory adherence. Book a demo with our client services team to see how they can help maintain your compliance standards whilst your business grows.   About ComplyPortal: First developed in 2011 by compliance professionals for compliance officers, ComplyPortal offers workflow, automation, and several modules to help firms with control and regulatory compliance monitoring.  ComplyPortal simplifies financial services regulatory compliance management on an easy-to-use cloud-based comprehensive compliance platform. It enables compliance officers, risk officers and senior management to keep track of their firm’s regulatory responsibilities and workflows. Our platform includes the following modules, among others:  Monitoring: a year-round schedule pre-populated with monitoring questionnaires to ease compliance processes. Approvals: authorise request and keep track of workflows Registers: lists controlled by the Compliance officer, but easy for staff to view. Risk: map and control risk areas to effectively identify and manage risk for your firm. Training: access our LMS platform for all Compliance and Governance Training CLICK HERE TO GET STARTED!

The post How Organisational Growth Can Threaten Compliance Processes appeared first on Complyportal.

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How Bad Compliance Processes can restrict Organisational Growth

In the context of UK financial services, compliance risks associated with organisational scalability can pose significant threats to firms. As firms grow and expand, they face increased complexity in managing compliance obligations, which can lead to various risks if not properly addressed.

 

Here are some of the key threats we have identified:

Increased Regulatory Scrutiny:

As firms scale, they often attract more attention from regulators such as the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA). This increased scrutiny can lead to more frequent inspections and audits, heightening the risk of regulatory breaches being identified.

 

Complexity in Compliance Management:

Scaling operations often involves entering new markets, offering new products, or acquiring other businesses. Each of these activities introduces new regulatory requirements and compliance challenges, increasing the complexity of compliance management.

 

Resource Constraints:

Rapid growth can strain existing compliance resources. Firms may struggle to allocate sufficient personnel and technology to manage compliance effectively, leading to potential gaps in compliance coverage.

 

Inconsistent Compliance Practices:

As organizations expand, maintaining consistent compliance practices across different business units and geographies becomes challenging. Inconsistencies can arise in how compliance policies are implemented and monitored, increasing the risk of non-compliance.

 

Data Management Challenges:

Scaling often results in increased data volumes and complexity. Firms must ensure that their data management practices comply with regulations such as the General Data Protection Regulation (GDPR) and UK-specific data protection laws. Failure to manage data effectively can lead to breaches and significant penalties.

 

Inadequate Risk Assessment:

As firms grow, they may encounter new risks that were not previously considered. Inadequate risk assessment processes can result in unidentified compliance risks, leaving the firm vulnerable to regulatory action.

 

Cultural and Governance Issues:

Rapid expansion can dilute a firm’s compliance culture and governance structures. Ensuring that all employees, including those in newly acquired or established units, adhere to the firm’s compliance standards is crucial to mitigating risks.

 

Technology Integration Risks:

Scaling often involves integrating new technologies and systems. Ensuring that these technologies comply with regulatory requirements and do not introduce vulnerabilities is essential. Poor integration can lead to compliance failures and operational disruptions.

 

Third-Party Risks:

As firms scale, they may rely more on third-party vendors and partners. Ensuring that these third parties comply with relevant regulations and do not introduce additional compliance risks is critical. Failure to manage third-party risks can result in regulatory breaches and reputational damage.

 

While organisational scalability offers growth opportunities, it also presents significant compliance risks for financial services firms. Proactively addressing these risks through robust compliance frameworks, adequate resource allocation, and effective risk management strategies is essential to safeguarding the firm’s reputation and ensuring regulatory adherence.

 

One such way is digitised compliance monitoring, the solution that not only enhances compliance management but also supports organisational scalability.

Here are some key benefits of adopting digitised compliance monitoring:

  • Efficiency and Automation
  • Management and Oversight of processes
  • Improved Accuracy and Consistency
  • Enhanced Data Analytics and Reporting
  • Cost Effectiveness
  • Enhanced Risk Management
  • Regulatory Compliance and Adaptability

 

Digitised compliance monitoring is a strategic investment that supports organisational scalability by enhancing efficiency, accuracy, and risk management. By adopting digital solutions, organisations can navigate the complexities of compliance with confidence, ensuring sustainable growth and regulatory adherence.

Book a demo with our client services team to see how they can help maintain your compliance standards whilst your business grows.

 

About ComplyPortal:

First developed in 2011 by compliance professionals for compliance officers, ComplyPortal offers workflow, automation, and several modules to help firms with control and regulatory compliance monitoring. 

ComplyPortal simplifies financial services regulatory compliance management on an easy-to-use cloud-based comprehensive compliance platform. It enables compliance officers, risk officers and senior management to keep track of their firm’s regulatory responsibilities and workflows. Our platform includes the following modules, among others: 

  • Monitoring: a year-round schedule pre-populated with monitoring questionnaires to ease compliance processes.
  • Approvals: authorise request and keep track of workflows
  • Registers: lists controlled by the Compliance officer, but easy for staff to view.
  • Risk: map and control risk areas to effectively identify and manage risk for your firm.
  • Training: access our LMS platform for all Compliance and Governance Training

CLICK HERE TO GET STARTED!

The post How Organisational Growth Can Threaten Compliance Processes appeared first on Complyportal.

]]> Best Practice for Compliant Financial Promotions https://complyportal.uk/best-practice-for-compliant-financial-promotions/ Thu, 13 Feb 2025 13:32:27 +0000 https://complyportal.uk/?p=18639 Best Practice for Compliant Financial Promotions Addressing Financial Promotions as the FCA steps up action against misleading financial adverts Lucy Castledine, Director of Consumer Investments at the FCA, said: “Over the past year, we have seen a growing number of misleading and illegal financial promotions. We have stepped up our efforts in response to make sure that financial promotions are clear, fair, and accurate. We expect firms to take the necessary steps to meet standards and will continue to work with other bodies, including social media platforms, to prevent illegal promotions being pushed at consumers.” (Source: https://www.fca.org.uk/news/press-releases/fca-steps-action-against-misleading-financial-adverts ) This statement brings further emphasis to the importance of having effective systems and controls in place to monitor and report on financial promotions. Marrying together efficient internal processes and the demands of the FCA highlights two key areas of focus for financial promotions processes: Accountability and Auditability. Accountability is important to ensure each stage of the financial promotions creation and review process is conducted in a timely manner and by the right person(s). Auditability is the efficient recording of steps within the financial promotions process so that should the FCA make an enquiry, a firm has the ability to show it has taken the necessary steps to ensure financial promotions are fair, clear and not misleading. ComplyPortal’s solution provides accountability and auditability through one clear process. The Financial Promotions Approval workflow in ComplyPortal Raises the relevant considerations to each member of the approval process and records approval from each person/team. This method provides accountability with deadlines assigned to each approval stage, and the relevant considerations highlighted and addressed. This information is all stored and can be pulled into reports with one click to cover one workflow or those over a period. Key Features: Details of Regulatory Expectations Clear workflow of assigned groups with strict deadlines automatic notifications Clear audit trails Book a Complimentary Demo Find out more about how the ComplyPortal platform can help firms adapt to new regulatory expectations at: https://complyportal.uk/modules/ About ComplyPortal: First developed in 2011 by compliance professionals for compliance officers, ComplyPortal offers workflow, automation, and several modules to help firms with control and regulatory compliance monitoring.  ComplyPortal simplifies financial services regulatory compliance management on an easy-to-use cloud-based comprehensive compliance platform. It enables compliance officers, risk officers and senior management to keep track of their firm’s regulatory responsibilities and workflows. Our platform includes the following modules, among others:  Monitoring: a year-round schedule pre-populated with monitoring questionnaires to ease compliance processes. Approvals: authorise request and keep track of workflows Registers: lists controlled by the Compliance officer, but easy for staff to view. Risk: map and control risk areas to effectively identify and manage risk for your firm. Training: access our LMS platform for all Compliance and Governance Training CLICK HERE TO GET STARTED!

The post Best Practice for Compliant Financial Promotions appeared first on Complyportal.

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Best Practice for Compliant Financial Promotions

Addressing Financial Promotions as the FCA steps up action against misleading financial adverts

Lucy Castledine, Director of Consumer Investments at the FCA, said:

“Over the past year, we have seen a growing number of misleading and illegal financial promotions. We have stepped up our efforts in response to make sure that financial promotions are clear, fair, and accurate.

We expect firms to take the necessary steps to meet standards and will continue to work with other bodies, including social media platforms, to prevent illegal promotions being pushed at consumers.” (Source: https://www.fca.org.uk/news/press-releases/fca-steps-action-against-misleading-financial-adverts )

This statement brings further emphasis to the importance of having effective systems and controls in place to monitor and report on financial promotions.

Marrying together efficient internal processes and the demands of the FCA highlights two key areas of focus for financial promotions processes: Accountability and Auditability.

Accountability is important to ensure each stage of the financial promotions creation and review process is conducted in a timely manner and by the right person(s).

Auditability is the efficient recording of steps within the financial promotions process so that should the FCA make an enquiry, a firm has the ability to show it has taken the necessary steps to ensure financial promotions are fair, clear and not misleading.

ComplyPortal’s solution provides accountability and auditability through one clear process. The Financial Promotions Approval workflow in ComplyPortal Raises the relevant considerations to each member of the approval process and records approval from each person/team. This method provides accountability with deadlines assigned to each approval stage, and the relevant considerations highlighted and addressed. This information is all stored and can be pulled into reports with one click to cover one workflow or those over a period.

Key Features:

  • Details of Regulatory Expectations
  • Clear workflow of assigned groups with strict deadlines
  • automatic notifications
  • Clear audit trails


Book a Complimentary Demo

Find out more about how the ComplyPortal platform can help firms adapt to new regulatory expectations at: https://complyportal.uk/modules/

About ComplyPortal:

First developed in 2011 by compliance professionals for compliance officers, ComplyPortal offers workflow, automation, and several modules to help firms with control and regulatory compliance monitoring. 

ComplyPortal simplifies financial services regulatory compliance management on an easy-to-use cloud-based comprehensive compliance platform. It enables compliance officers, risk officers and senior management to keep track of their firm’s regulatory responsibilities and workflows. Our platform includes the following modules, among others: 

  • Monitoring: a year-round schedule pre-populated with monitoring questionnaires to ease compliance processes.
  • Approvals: authorise request and keep track of workflows
  • Registers: lists controlled by the Compliance officer, but easy for staff to view.
  • Risk: map and control risk areas to effectively identify and manage risk for your firm.
  • Training: access our LMS platform for all Compliance and Governance Training

CLICK HERE TO GET STARTED!

The post Best Practice for Compliant Financial Promotions appeared first on Complyportal.

]]> Overcoming Organisational Resistance to Compliance https://complyportal.uk/overcoming-organisational-resistance-to-compliance/ Tue, 28 Jan 2025 13:38:49 +0000 https://complyportal.uk/?p=18651 Overcoming Organisational Resistance to Compliance In today’s rapidly evolving regulatory landscape, compliance teams face the daunting task of ensuring that their organisations adhere to complex legal requirements. However, one of the most significant challenges they encounter is organisational resistance to compliance operations. This resistance can take many forms, from cultural pushback to resource constraints. In this article, we explore the nature of this resistance and provide a strategic guide for compliance teams to overcome it, with a nod to the role digital compliance management tools can play in this process. Understanding the Nature of Resistance Organisational resistance to compliance can be broadly categorized into several types: Cultural Resistance: Employees may perceive compliance as a bureaucratic burden that stifles innovation and creativity. This mindset often stems from a lack of understanding of the importance of compliance in safeguarding the organisation. Operational Resistance: Compliance requirements can be seen as disruptive to established workflows, leading to a perception that they add unnecessary complexity and slow down operations. Resource Resistance: Organisations may be reluctant to allocate sufficient resources, such as time, personnel, and budget, to compliance functions. This can result in inadequate investment in compliance tools and technologies. Leadership Resistance: Without clear structure, senior management can struggle to keep up with their role in compliance functions. Additionally, with their position of influence senior management begin the trickle down effect that crafts an organisations compliance culture. Knowledge Resistance: Employees may lack the necessary training to understand and implement compliance measures effectively, resulting in fear and misunderstanding of compliance requirements.   Strategies to Overcome Resistance Building a Compliance Culture Education and Training: Regular training sessions are crucial to educate employees about the benefits of compliance. Digital compliance management tools can facilitate this by providing online training modules and tracking employee progress. Communication: Develop clear communication strategies to convey compliance messages. Utilise digital platforms to disseminate information and engage employees through interactive content. Leadership Involvement: Ensure senior management visibly supports compliance initiatives. Digital dashboards can provide leaders with real-time insights into compliance performance, reinforcing their commitment. Integrating Compliance into Business Processes Process Alignment: Collaborate with business units to seamlessly integrate compliance into existing processes. Digital tools can automate compliance checks, reducing manual intervention and minimising disruption. Technology Utilisation: Invest in compliance technology that simplifies tasks and enhances efficiency. Digital compliance management systems can centralise data, streamline reporting, and facilitate real-time monitoring. Resource Allocation Budgeting: Advocate for adequate budget allocation by presenting a business case that highlights the cost of non-compliance. Digital tools can provide data-driven insights to support these arguments. Staffing: Ensure the compliance team is adequately staffed with skilled professionals. Digital platforms can assist in identifying skill gaps and facilitating targeted training. Continuous Improvement Feedback Mechanisms: Establish channels for employees to provide feedback on compliance processes. Digital tools can collect feedback, enabling continuous improvement. Regular Audits: Conduct regular audits to assess compliance effectiveness. Digital tools can automate data collection and analysis, providing actionable insights. Building Trust and Transparency Open Dialogue: Foster an environment where employees feel comfortable discussing compliance issues. Accountability: Give employees accountability over their own compliance tasks. Digital tools can automate reminders and help employees keep account of their own compliance tasks. Conclusion Overcoming organisational resistance to compliance requires a multifaceted approach that involves education, integration, resource allocation, and continuous improvement. By leveraging digital compliance management tools, compliance teams can streamline operations, enhance efficiency, and foster a culture of compliance that supports the organisation’s overall objectives. As the regulatory landscape continues to evolve, embracing these strategies and tools will be essential for organisations to thrive in a compliant and sustainable manner. ComplyPortal’s Solutions: Building a Compliance Culture: ComplyPortal library of training Courses. Reporting functions and clear audit trails for oversight. Automated email reminders and notifications. Integrating Compliance into Business Processes: Simplified, logic-based workflows. Cloud-based and permission controlled access. Resource Allocation: User license based fee structure. Continuous Improvement: Expert built and continuously updated regulatory templates. Configurable templates to individual organisations. Building Trust and Transparency: Tasks assigned to individuals and groups to increase accountability. Book a Complimentary Demo   Find out more about how the ComplyPortal platform can help firms adapt to new regulatory expectations at: https://complyportal.uk/modules/   About ComplyPortal: First developed in 2011 by compliance professionals for compliance officers, ComplyPortal offers workflow, automation, and several modules to help firms with control and regulatory compliance monitoring.  ComplyPortal simplifies financial services regulatory compliance management on an easy-to-use cloud-based comprehensive compliance platform. It enables compliance officers, risk officers and senior management to keep track of their firm’s regulatory responsibilities and workflows. Our platform includes the following modules, among others:  Monitoring: a year-round schedule pre-populated with monitoring questionnaires to ease compliance processes. Approvals: authorise request and keep track of workflows Registers: lists controlled by the Compliance officer, but easy for staff to view. Risk: map and control risk areas to effectively identify and manage risk for your firm. Training: access our LMS platform for all Compliance and Governance Training CLICK HERE TO GET STARTED!

The post Overcoming Organisational Resistance to Compliance appeared first on Complyportal.

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Overcoming Organisational Resistance to Compliance

In today’s rapidly evolving regulatory landscape, compliance teams face the daunting task of ensuring that their organisations adhere to complex legal requirements. However, one of the most significant challenges they encounter is organisational resistance to compliance operations. This resistance can take many forms, from cultural pushback to resource constraints. In this article, we explore the nature of this resistance and provide a strategic guide for compliance teams to overcome it, with a nod to the role digital compliance management tools can play in this process.

Understanding the Nature of Resistance

Organisational resistance to compliance can be broadly categorized into several types:

  1. Cultural Resistance: Employees may perceive compliance as a bureaucratic burden that stifles innovation and creativity. This mindset often stems from a lack of understanding of the importance of compliance in safeguarding the organisation.
  1. Operational Resistance: Compliance requirements can be seen as disruptive to established workflows, leading to a perception that they add unnecessary complexity and slow down operations.
  1. Resource Resistance: Organisations may be reluctant to allocate sufficient resources, such as time, personnel, and budget, to compliance functions. This can result in inadequate investment in compliance tools and technologies.
  1. Leadership Resistance: Without clear structure, senior management can struggle to keep up with their role in compliance functions. Additionally, with their position of influence senior management begin the trickle down effect that crafts an organisations compliance culture.
  1. Knowledge Resistance: Employees may lack the necessary training to understand and implement compliance measures effectively, resulting in fear and misunderstanding of compliance requirements.

 

Strategies to Overcome Resistance

  1. Building a Compliance Culture
  • Education and Training: Regular training sessions are crucial to educate employees about the benefits of compliance. Digital compliance management tools can facilitate this by providing online training modules and tracking employee progress.
  • Communication: Develop clear communication strategies to convey compliance messages. Utilise digital platforms to disseminate information and engage employees through interactive content.
  • Leadership Involvement: Ensure senior management visibly supports compliance initiatives. Digital dashboards can provide leaders with real-time insights into compliance performance, reinforcing their commitment.
  1. Integrating Compliance into Business Processes
  • Process Alignment: Collaborate with business units to seamlessly integrate compliance into existing processes. Digital tools can automate compliance checks, reducing manual intervention and minimising disruption.
  • Technology Utilisation: Invest in compliance technology that simplifies tasks and enhances efficiency. Digital compliance management systems can centralise data, streamline reporting, and facilitate real-time monitoring.
  1. Resource Allocation
  • Budgeting: Advocate for adequate budget allocation by presenting a business case that highlights the cost of non-compliance. Digital tools can provide data-driven insights to support these arguments.
  • Staffing: Ensure the compliance team is adequately staffed with skilled professionals. Digital platforms can assist in identifying skill gaps and facilitating targeted training.
  1. Continuous Improvement
  • Feedback Mechanisms: Establish channels for employees to provide feedback on compliance processes. Digital tools can collect feedback, enabling continuous improvement.
  • Regular Audits: Conduct regular audits to assess compliance effectiveness. Digital tools can automate data collection and analysis, providing actionable insights.
  1. Building Trust and Transparency
  • Open Dialogue: Foster an environment where employees feel comfortable discussing compliance issues.
  • Accountability: Give employees accountability over their own compliance tasks. Digital tools can automate reminders and help employees keep account of their own compliance tasks.

Conclusion

Overcoming organisational resistance to compliance requires a multifaceted approach that involves education, integration, resource allocation, and continuous improvement. By leveraging digital compliance management tools, compliance teams can streamline operations, enhance efficiency, and foster a culture of compliance that supports the organisation’s overall objectives. As the regulatory landscape continues to evolve, embracing these strategies and tools will be essential for organisations to thrive in a compliant and sustainable manner.

ComplyPortal’s Solutions:

Building a Compliance Culture:

  • ComplyPortal library of training Courses.
  • Reporting functions and clear audit trails for oversight.
  • Automated email reminders and notifications.

Integrating Compliance into Business Processes:

  • Simplified, logic-based workflows.
  • Cloud-based and permission controlled access.

Resource Allocation:

  • User license based fee structure.

Continuous Improvement:

  • Expert built and continuously updated regulatory templates.
  • Configurable templates to individual organisations.

Building Trust and Transparency:

  • Tasks assigned to individuals and groups to increase accountability.
Book a Complimentary Demo

 

Find out more about how the ComplyPortal platform can help firms adapt to new regulatory expectations at: https://complyportal.uk/modules/

 

About ComplyPortal:

First developed in 2011 by compliance professionals for compliance officers, ComplyPortal offers workflow, automation, and several modules to help firms with control and regulatory compliance monitoring. 

ComplyPortal simplifies financial services regulatory compliance management on an easy-to-use cloud-based comprehensive compliance platform. It enables compliance officers, risk officers and senior management to keep track of their firm’s regulatory responsibilities and workflows. Our platform includes the following modules, among others: 

  • Monitoring: a year-round schedule pre-populated with monitoring questionnaires to ease compliance processes.
  • Approvals: authorise request and keep track of workflows
  • Registers: lists controlled by the Compliance officer, but easy for staff to view.
  • Risk: map and control risk areas to effectively identify and manage risk for your firm.
  • Training: access our LMS platform for all Compliance and Governance Training

CLICK HERE TO GET STARTED!

The post Overcoming Organisational Resistance to Compliance appeared first on Complyportal.

]]> Meeting FCA Standards with Compliance Monitoring Software https://complyportal.uk/meeting-fca-standards-with-compliance-monitoring-software/ Wed, 06 Nov 2024 10:13:55 +0000 https://stage.complyportal.uk/?p=16541 In the UK financial services sector, meeting Financial Conduct Authority (FCA) standards is essential for regulatory compliance. Compliance monitoring software plays a critical role in helping firms stay in line with FCA expectations by providing structured oversight, real-time tracking, audit trail reporting. Here’s how such software supports firms in meeting key regulatory requirements, illustrated with practical examples where relevant. Understanding FCA Expectations The FCA expects firms to maintain robust systems and controls to ensure compliance with regulatory requirements. This includes implementing clear policies and procedures, conducting regular risk assessments, and ensuring that senior management remains accountable for compliance outcomes. Sections of the FCA Handbook, such as SYSC (Senior Management Arrangements, Systems and Controls) and FCG (Financial Crime Guide), set out these expectations in detail, emphasising the importance of a well-structured compliance framework that monitors risk and regulatory adherence at all levels How Compliance Monitoring Software Helps Feature FCA Expectation Software Benefit Example Automated Monitoring and Reporting The FCA requires firms to monitor compliance continuously and report any breaches promptly. Compliance monitoring software automates the tracking of compliance activities, generating real-time reports and alerts for any deviations from regulatory requirements. This ensures timely identification and rectification of issues, aligning with FCA expectations for prompt reporting. A firm using software to monitor any breaches can promptly provide the regulator with evidence as and when required. Risk Assessment and Management Firms must conduct regular risk assessments to identify and mitigate potential compliance risks. Compliance software provides tools for conducting comprehensive risk assessments, evaluating the effectiveness of existing controls, and suggesting the need for improvements. This aligns with FCA expectations for a proactive approach to risk management. A firm can use software to assess the risk of money laundering across different business units, ensuring that high-risk areas receive appropriate attention. Policy and Procedure Management The FCA expects firms to have up-to-date policies and procedures that are effectively communicated to staff. Compliance software helps manage and update policies and procedures, ensuring they are accessible to all employees. It can also track employee acknowledgment and understanding of these policies, which is crucial for demonstrating compliance. A firm can use software to distribute updates to its anti-money laundering policy and track employee training completion. Audit and Documentation Firms must maintain comprehensive records of compliance activities and be prepared for FCA audits. Compliance monitoring software provides a centralised repository for all compliance-related documentation, making it easier to prepare for audits and demonstrate compliance to the FCA. A firm can store records of all compliance training sessions, risk assessments, and policy updates in the software, ensuring easy access during an FCA audit. Senior Management Oversight The FCA requires senior management to be accountable for compliance and to have oversight of compliance activities. Compliance software provides dashboards and reports that give senior management a clear view of compliance status across the organization. This supports their role in overseeing compliance and making informed decisions. A compliance officer can use software to present a summary of compliance activities and risks to the board, facilitating informed decision-making. Conclusion Compliance monitoring software serves a powerful tool for firms aiming to meet FCA expectations. By automating key processes, strengthening risk management, and streamlining documentation, such software supports the development of robust compliance frameworks that can adapt to evolving regulatory demands. However, firms should consider their unique circumstances and regulatory requirements when implementing compliance solutions, ensuring they align with FCA expectations. It’s also essential to take into account any specific exemptions or exceptions available, allowing firms to tailor their compliance approach while maximising efficiency. To Discover how ComplyPortal can help ensure your firm meets FCA expectations book a demo: Book a Complimentary Demo   Find out more about how the ComplyPortal platform can help firms adapt to new regulatory expectations at: https://complyportal.uk/modules/   About ComplyPortal: First developed in 2011 by compliance professionals for compliance officers, ComplyPortal offers workflow, automation, and several modules to help firms with control and regulatory compliance monitoring.  ComplyPortal simplifies financial services regulatory compliance management on an easy-to-use cloud-based comprehensive compliance platform. It enables compliance officers, risk officers and senior management to keep track of their firm’s regulatory responsibilities and workflows. Our platform includes the following modules, among others:  Monitoring: a year-round schedule pre-populated with monitoring questionnaires to ease compliance processes. Approvals: authorise request and keep track of workflows Registers: lists controlled by the Compliance officer, but easy for staff to view. Risk: map and control risk areas to effectively identify and manage risk for your firm. Training: access our LMS platform for all Compliance and Governance Training CLICK HERE TO GET STARTED!

The post Meeting FCA Standards with Compliance Monitoring Software appeared first on Complyportal.

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In the UK financial services sector, meeting Financial Conduct Authority (FCA) standards is essential for regulatory compliance. Compliance monitoring software plays a critical role in helping firms stay in line with FCA expectations by providing structured oversight, real-time tracking, audit trail reporting. Here’s how such software supports firms in meeting key regulatory requirements, illustrated with practical examples where relevant.

Understanding FCA Expectations

The FCA expects firms to maintain robust systems and controls to ensure compliance with regulatory requirements. This includes implementing clear policies and procedures, conducting regular risk assessments, and ensuring that senior management remains accountable for compliance outcomes. Sections of the FCA Handbook, such as SYSC (Senior Management Arrangements, Systems and Controls) and FCG (Financial Crime Guide), set out these expectations in detail, emphasising the importance of a well-structured compliance framework that monitors risk and regulatory adherence at all levels

How Compliance Monitoring Software Helps

FeatureFCA ExpectationSoftware BenefitExample
Automated Monitoring and ReportingThe FCA requires firms to monitor compliance continuously and report any breaches promptly.Compliance monitoring software automates the tracking of compliance activities, generating real-time reports and alerts for any deviations from regulatory requirements. This ensures timely identification and rectification of issues, aligning with FCA expectations for prompt reporting.A firm using software to monitor any breaches can promptly provide the regulator with evidence as and when required.
Risk Assessment and ManagementFirms must conduct regular risk assessments to identify and mitigate potential compliance risks.Compliance software provides tools for conducting comprehensive risk assessments, evaluating the effectiveness of existing controls, and suggesting the need for improvements. This aligns with FCA expectations for a proactive approach to risk management.A firm can use software to assess the risk of money laundering across different business units, ensuring that high-risk areas receive appropriate attention.
Policy and Procedure ManagementThe FCA expects firms to have up-to-date policies and procedures that are effectively communicated to staff.Compliance software helps manage and update policies and procedures, ensuring they are accessible to all employees. It can also track employee acknowledgment and understanding of these policies, which is crucial for demonstrating compliance.A firm can use software to distribute updates to its anti-money laundering policy and track employee training completion.
Audit and DocumentationFirms must maintain comprehensive records of compliance activities and be prepared for FCA audits.Compliance monitoring software provides a centralised repository for all compliance-related documentation, making it easier to prepare for audits and demonstrate compliance to the FCA.A firm can store records of all compliance training sessions, risk assessments, and policy updates in the software, ensuring easy access during an FCA audit.
Senior Management OversightThe FCA requires senior management to be accountable for compliance and to have oversight of compliance activities.Compliance software provides dashboards and reports that give senior management a clear view of compliance status across the organization. This supports their role in overseeing compliance and making informed decisions.A compliance officer can use software to present a summary of compliance activities and risks to the board, facilitating informed decision-making.

Conclusion

Compliance monitoring software serves a powerful tool for firms aiming to meet FCA expectations. By automating key processes, strengthening risk management, and streamlining documentation, such software supports the development of robust compliance frameworks that can adapt to evolving regulatory demands. However, firms should consider their unique circumstances and regulatory requirements when implementing compliance solutions, ensuring they align with FCA expectations. It’s also essential to take into account any specific exemptions or exceptions available, allowing firms to tailor their compliance approach while maximising efficiency.

To Discover how ComplyPortal can help ensure your firm meets FCA expectations book a demo:

Book a Complimentary Demo

 

Find out more about how the ComplyPortal platform can help firms adapt to new regulatory expectations at: https://complyportal.uk/modules/

 

About ComplyPortal:

First developed in 2011 by compliance professionals for compliance officers, ComplyPortal offers workflow, automation, and several modules to help firms with control and regulatory compliance monitoring. 

ComplyPortal simplifies financial services regulatory compliance management on an easy-to-use cloud-based comprehensive compliance platform. It enables compliance officers, risk officers and senior management to keep track of their firm’s regulatory responsibilities and workflows. Our platform includes the following modules, among others: 

  • Monitoring: a year-round schedule pre-populated with monitoring questionnaires to ease compliance processes.
  • Approvals: authorise request and keep track of workflows
  • Registers: lists controlled by the Compliance officer, but easy for staff to view.
  • Risk: map and control risk areas to effectively identify and manage risk for your firm.
  • Training: access our LMS platform for all Compliance and Governance Training

CLICK HERE TO GET STARTED!

The post Meeting FCA Standards with Compliance Monitoring Software appeared first on Complyportal.

]]> Implementing Technology: Barriers to Change https://complyportal.uk/implementing-technology-barriers-to-change/ Tue, 08 Oct 2024 07:34:05 +0000 https://stage.complyportal.uk/?p=14285 Implementing Technology: Barriers to Change Why should I implement Compliance Management Software? There are several reasons why individuals or firms may struggle to adapt to new operations and technologies in the financial services industry. These reasons can be broadly categorised into financial, operational, cultural and regulatory challenges. This article outlines some of the main issues firms and individuals face, and provides our solutions to help break down these barriers. Barrier Category Issue Description Solution Financial High Initial Costs The upfront investment required for new technology, such as IT infrastructure upgrades, software development, and training, can be substantial. This financial burden can be particularly challenging for smaller firms or individuals with limited resources. ComplyPortal offers competitive pricing with a user-license fee structure that decreases the price per user, the more that are added. Additionally, by acting as an all purpose business and compliance management tool, there is significant cost saving compared to investing in separate individual software. Financial Ongoing Maintenance Costs Maintaining new technology systems often requires substantial financial investment. This includes costs for system upgrades, cybersecurity measures and compliance with regulatory requirements. ComplyPortal puts the client at the heart of its focus and development. As a result, there aren’t any hidden fees. System upgrades come as part of our commitment to providing a valuable service with cybersecurity and compliance forming the core foundations of our platform. Operational Complexity of Integration Integrating new technology with existing legacy systems can be challenging as these systems may not be compatible or may require extensive modifications. Transferring large volumes of data from old systems to new ones can be complex and risky, potentially leading to data loss or corruption. Firms may lack the in-house technical expertise required to manage complex integration projects, necessitating the hiring of external consultants and leading to additional costs. ComplyPortal has the capacity to embed portals to legacy systems to create a more coherent user experience. Our client services team is on hand to fully onboard and ease potentially time-consuming set-up admin. This ensures information is imported securely and accurately, whilst tailoring the software to your bespoke organisational needs. Operational Disruption to Business Operations Staff may need time to adapt to new systems, which can temporarily reduce productivity and efficiency. During the transition period, there is a higher risk of operational errors, which can lead to financial losses and regulatory non-compliance. ComplyPortal’s onboarding process is fast and efficient. The client services team is on hand to support every step of the way with training on the system’s modules, and setup to ensure maximum efficiency and minimal errors. Cultural Resistance to Change Individuals and firms may be comfortable with their current systems and processes, making them reluctant to switch to new technology. Organisational culture that values stability and routine over innovation can hinder the adoption of new technology. ComplyPortal offers an easy-to-use platform which allows you to schedule automatic notifications, streamlining processes and helping to mitigate breaches. By enhancing efficiency and ensuring timely communication, these benefits significantly drive workforce adoption and foster a positive attitude towards change. Cultural Lack of Skills & Training Without adequate skills and training, employees may struggle to understand and effectively utilise new technologies, leading to underperformance and inefficiencies. The ComplyPortal team offers training at no cost and the Client Services team is on hand for queries and further training at any stage. Regulatory Compliance & Regulatory Uncertainty Unclear or evolving regulatory frameworks can create uncertainty about how new technologies should be implemented and managed, making firms hesitant to adopt them. ComplyPortal works with our internal compliance and regulatory experts on horizon scanning to ensure we are up-to-date with all requirements and update all our regulatory templates. Regulatory Data Privacy & Security Concerns Financial institutions handle sensitive customer data, and any breach can lead to severe financial and reputational damage. Firms may be hesitant to adopt new technologies that could potentially expose them to higher risks of data breaches. ComplyPortal: 1. Maintains a 99% uptime. 2. Is hosted in an ISO 27001 certified secure facility. 3. Has a 1MVA power supply. 4. Has a UPS capacity of 200kVA with N+1 resiliency. 5. Has protected connections with TLS encryption technology and two-factor login authenticator. Adapting to new operations and technologies in the financial services industry is a multifaceted challenge that involves financial, operational, cultural and regulatory considerations. While there are significant hurdles, there are also strategies that can help mitigate these challenges. Firms that proactively address these issues are more likely to successfully navigate the complexities of technological adoption.   ComplyPortal recognises that all these reasons may provide barriers to individual and collective firm-wide attitudes to change. However, careful consideration has been made to ensure our solution addresses each of the highlighted issues and more.   To discover how ComplyPortal can meet your Business and Compliance Management needs and put at ease any barriers to change of your own, book your bespoke, complimentary demo today: Book a Complimentary Demo   Find out more about how the ComplyPortal platform can help firms adapt to new regulatory expectations at: https://complyportal.uk/modules/   About ComplyPortal: First developed in 2011 by compliance professionals for compliance officers, ComplyPortal offers workflow, automation, and several modules to help firms with control and regulatory compliance monitoring.  ComplyPortal simplifies financial services regulatory compliance management on an easy-to-use cloud-based comprehensive compliance platform. It enables compliance officers, risk officers and senior management to keep track of their firm’s regulatory responsibilities and workflows. Our platform includes the following modules, among others:  Monitoring: a year-round schedule pre-populated with monitoring questionnaires to ease compliance processes. Approvals: authorise request and keep track of workflows Registers: lists controlled by the Compliance officer, but easy for staff to view. Risk: map and control risk areas to effectively identify and manage risk for your firm. Training: access our LMS platform for all Compliance and Governance Training CLICK HERE TO GET STARTED!

The post Implementing Technology: Barriers to Change appeared first on Complyportal.

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Implementing Technology: Barriers to Change

Why should I implement Compliance Management Software?

There are several reasons why individuals or firms may struggle to adapt to new operations and technologies in the financial services industry. These reasons can be broadly categorised into financial, operational, cultural and regulatory challenges. This article outlines some of the main issues firms and individuals face, and provides our solutions to help break down these barriers.

Barrier CategoryIssueDescriptionSolution
FinancialHigh Initial CostsThe upfront investment required for new technology, such as IT infrastructure upgrades, software development, and training, can be substantial. This financial burden can be particularly challenging for smaller firms or individuals with limited resources.ComplyPortal offers competitive pricing with a user-license fee structure that decreases the price per user, the more that are added. Additionally, by acting as an all purpose business and compliance management tool, there is significant cost saving compared to investing in separate individual software.
FinancialOngoing Maintenance CostsMaintaining new technology systems often requires substantial financial investment. This includes costs for system upgrades, cybersecurity measures and compliance with regulatory requirements.ComplyPortal puts the client at the heart of its focus and development. As a result, there aren’t any hidden fees. System upgrades come as part of our commitment to providing a valuable service with cybersecurity and compliance forming the core foundations of our platform.
OperationalComplexity of IntegrationIntegrating new technology with existing legacy systems can be challenging as these systems may not be compatible or may require extensive modifications. Transferring large volumes of data from old systems to new ones can be complex and risky, potentially leading to data loss or corruption. Firms may lack the in-house technical expertise required to manage complex integration projects, necessitating the hiring of external consultants and leading to additional costs.ComplyPortal has the capacity to embed portals to legacy systems to create a more coherent user experience. Our client services team is on hand to fully onboard and ease potentially time-consuming set-up admin. This ensures information is imported securely and accurately, whilst tailoring the software to your bespoke organisational needs.
OperationalDisruption to Business OperationsStaff may need time to adapt to new systems, which can temporarily reduce productivity and efficiency. During the transition period, there is a higher risk of operational errors, which can lead to financial losses and regulatory non-compliance.ComplyPortal’s onboarding process is fast and efficient. The client services team is on hand to support every step of the way with training on the system’s modules, and setup to ensure maximum efficiency and minimal errors.
CulturalResistance to ChangeIndividuals and firms may be comfortable with their current systems and processes, making them reluctant to switch to new technology. Organisational culture that values stability and routine over innovation can hinder the adoption of new technology.ComplyPortal offers an easy-to-use platform which allows you to schedule automatic notifications, streamlining processes and helping to mitigate breaches. By enhancing efficiency and ensuring timely communication, these benefits significantly drive workforce adoption and foster a positive attitude towards change.
CulturalLack of Skills & TrainingWithout adequate skills and training, employees may struggle to understand and effectively utilise new technologies, leading to underperformance and inefficiencies.The ComplyPortal team offers training at no cost and the Client Services team is on hand for queries and further training at any stage.
RegulatoryCompliance & Regulatory UncertaintyUnclear or evolving regulatory frameworks can create uncertainty about how new technologies should be implemented and managed, making firms hesitant to adopt them.ComplyPortal works with our internal compliance and regulatory experts on horizon scanning to ensure we are up-to-date with all requirements and update all our regulatory templates.
RegulatoryData Privacy & Security ConcernsFinancial institutions handle sensitive customer data, and any breach can lead to severe financial and reputational damage. Firms may be hesitant to adopt new technologies that could potentially expose them to higher risks of data breaches.ComplyPortal: 1. Maintains a 99% uptime. 2. Is hosted in an ISO 27001 certified secure facility. 3. Has a 1MVA power supply. 4. Has a UPS capacity of 200kVA with N+1 resiliency. 5. Has protected connections with TLS encryption technology and two-factor login authenticator.

Adapting to new operations and technologies in the financial services industry is a multifaceted challenge that involves financial, operational, cultural and regulatory considerations. While there are significant hurdles, there are also strategies that can help mitigate these challenges. Firms that proactively address these issues are more likely to successfully navigate the complexities of technological adoption.

 

ComplyPortal recognises that all these reasons may provide barriers to individual and collective firm-wide attitudes to change. However, careful consideration has been made to ensure our solution addresses each of the highlighted issues and more.

 

To discover how ComplyPortal can meet your Business and Compliance Management needs and put at ease any barriers to change of your own, book your bespoke, complimentary demo today:

Book a Complimentary Demo

 

Find out more about how the ComplyPortal platform can help firms adapt to new regulatory expectations at: https://complyportal.uk/modules/

 

About ComplyPortal:

First developed in 2011 by compliance professionals for compliance officers, ComplyPortal offers workflow, automation, and several modules to help firms with control and regulatory compliance monitoring. 

ComplyPortal simplifies financial services regulatory compliance management on an easy-to-use cloud-based comprehensive compliance platform. It enables compliance officers, risk officers and senior management to keep track of their firm’s regulatory responsibilities and workflows. Our platform includes the following modules, among others: 

  • Monitoring: a year-round schedule pre-populated with monitoring questionnaires to ease compliance processes.
  • Approvals: authorise request and keep track of workflows
  • Registers: lists controlled by the Compliance officer, but easy for staff to view.
  • Risk: map and control risk areas to effectively identify and manage risk for your firm.
  • Training: access our LMS platform for all Compliance and Governance Training

CLICK HERE TO GET STARTED!

The post Implementing Technology: Barriers to Change appeared first on Complyportal.

]]> Supervision and Compliance Challenges in a Digital Age https://complyportal.uk/supervision-and-compliance-challenges-in-a-digital-age/ Wed, 12 Jan 2022 09:54:08 +0000 https://stage.complyportal.uk/?p=14636 Supervision and Compliance Challenges in a Digital Age “Supervisors and regulatory bodies are adapting to the challenges of modern regulation, and ComplyPortal’s Director, Luis Parra, shares his advice for how regulated firms can adapt and keep up with these changes.” By now, ‘fintech’ and ‘regtech’ have become familiar terms within and even beyond the world of financial services—but how familiar are you with ‘Suptech’? Short for ‘Supervisory technology’, suptech is a term that covers the use of technology to support and assist regulatory agencies in their supervisory function. Just as regtech and fintech solutions help businesses and consumers optimise tasks and workflows, suptech works in a similar way to make supervision more efficient and effective—and regulated entities must adapt in order to keep up. Be it access to or management of data, automation, data analysis, or simply the speed that comes with digitising previously manual operations, suptech is creating new standards of supervision and regulation. Using technology allows supervisors to monitor and review the actions of regulated entities in greater detail and at a faster pace. Suptech applications can sift through thousands of regulatory filings and identify potential supervisory issues, whereas it is impossible for supervisors to review each one closely. This enriched capability and insight means firms will be under the microscope like never before, and without equivalent digital solutions of their own, there is a chance they could be caught on the back foot. With regulators increasingly turning to data- and technology-driven supervision, firms must adapt at pace in order to avoid falling behind on compliance demands. Fortunately, it is easier than ever for firms to find the right regtech solution for their needs. There are a plethora of options available on the market; the key is choosing a solution which can be tailored to your firm’s needs and is supported by compliance experts for the most up-to-date information. While this level of change in regulation and compliance might be alarming, it should also be viewed as an opportunity. January is often a time spent reflecting and acting on new ways of operating, either personally or professionally. What better time to review your internal compliance processes and assess if they are ready for the challenges of a new year and a more digital age of compliance and regulation? Discover how ComplyPortal can help you adapt to new and future challenges at: https://complyportal.uk/modules Find Luis’s previous blog post here: Practical Tips for Implementing Compliance Software    About ComplyPortal: First developed in 2011 by compliance professionals for compliance officers, ComplyPortal offers workflow, automation, and several modules to help firms with control and regulatory compliance monitoring. ComplyPortal simplifies financial services regulatory compliance management on an easy-to-use cloud-based comprehensive compliance platform. It enables compliance officers, risk officers and senior management to keep track of their firm’s regulatory responsibilities and workflows. Our platform includes the following modules, among others: Monitoring: a year-round schedule pre-populated with monitoring questionnaires to ease compliance processes. Registers: lists controlled by the Compliance officer, but easy for staff to view. Risk: map and control risk areas to effectively identify and manage risk for your firm. eKYC solution: perform comprehensive searches, including client identity verification, document authenticity, and more for a comprehensive KYC and AML approach   CLICK HERE TO GET STARTED!

The post Supervision and Compliance Challenges in a Digital Age appeared first on Complyportal.

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Supervision and Compliance Challenges in a Digital Age

“Supervisors and regulatory bodies are adapting to the challenges of modern regulation, and ComplyPortal’s Director, Luis Parra, shares his advice for how regulated firms can adapt and keep up with these changes.”

By now, ‘fintech’ and ‘regtech’ have become familiar terms within and even beyond the world of financial services—but how familiar are you with ‘Suptech’? Short for ‘Supervisory technology’, suptech is a term that covers the use of technology to support and assist regulatory agencies in their supervisory function. Just as regtech and fintech solutions help businesses and consumers optimise tasks and workflows, suptech works in a similar way to make supervision more efficient and effective—and regulated entities must adapt in order to keep up.

Be it access to or management of data, automation, data analysis, or simply the speed that comes with digitising previously manual operations, suptech is creating new standards of supervision and regulation. Using technology allows supervisors to monitor and review the actions of regulated entities in greater detail and at a faster pace. Suptech applications can sift through thousands of regulatory filings and identify potential supervisory issues, whereas it is impossible for supervisors to review each one closely. This enriched capability and insight means firms will be under the microscope like never before, and without equivalent digital solutions of their own, there is a chance they could be caught on the back foot.

With regulators increasingly turning to data- and technology-driven supervision, firms must adapt at pace in order to avoid falling behind on compliance demands. Fortunately, it is easier than ever for firms to find the right regtech solution for their needs. There are a plethora of options available on the market; the key is choosing a solution which can be tailored to your firm’s needs and is supported by compliance experts for the most up-to-date information.

While this level of change in regulation and compliance might be alarming, it should also be viewed as an opportunity. January is often a time spent reflecting and acting on new ways of operating, either personally or professionally. What better time to review your internal compliance processes and assess if they are ready for the challenges of a new year and a more digital age of compliance and regulation?

Discover how ComplyPortal can help you adapt to new and future challenges at: https://complyportal.uk/modules

Find Luis’s previous blog post here: Practical Tips for Implementing Compliance Software

 
 

About ComplyPortal:

First developed in 2011 by compliance professionals for compliance officers, ComplyPortal offers workflow, automation, and several modules to help firms with control and regulatory compliance monitoring.

ComplyPortal simplifies financial services regulatory compliance management on an easy-to-use cloud-based comprehensive compliance platform. It enables compliance officers, risk officers and senior management to keep track of their firm’s regulatory responsibilities and workflows. Our platform includes the following modules, among others:

  • Monitoring: a year-round schedule pre-populated with monitoring questionnaires to ease compliance processes.
  • Registers: lists controlled by the Compliance officer, but easy for staff to view.
  • Risk: map and control risk areas to effectively identify and manage risk for your firm.
  • eKYC solution: perform comprehensive searches, including client identity verification, document authenticity, and more for a comprehensive KYC and AML approach
 

CLICK HERE TO GET STARTED!

The post Supervision and Compliance Challenges in a Digital Age appeared first on Complyportal.

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