Core Compliance Checklist
Download the JSON or view the schema below.
{
"id": "core-compliance-2025-08",
"name": "Core Compliance Checklist",
"description": "Universal checks plus conditional sections for protection, pensions and investments",
"version": "3.0.0",
"keywords": [
"KYC",
"factfind",
"POA",
"pension",
"investment",
"protection"
],
"adviceAreas": [
"all",
"protection",
"dc-pension",
"investment"
],
"controls": [
{
"id": "core-checks",
"type": "group",
"title": "Core Compliance Checklist",
"description": "Checks that apply to all financial advice cases",
"children": [
{
"id": "factfind",
"type": "group",
"title": "FactFind Completed?",
"aiInstruction": {
"prompt": "Detect a completed fact-find with full name, DOB, NINO & address."
},
"children": [
{
"id": "vulnerability-assessment",
"type": "check",
"title": "Vulnerability Assessment",
"aiInstruction": {
"prompt": "Check if vulnerability flags or accommodation notes are present."
},
"severity": "warning",
"status": "configured"
},
{
"id": "has-will",
"type": "check",
"title": "Has Will on File",
"aiInstruction": {
"prompt": "Detect mention or upload of client’s Will document."
},
"severity": "info",
"status": "configured"
},
{
"id": "has-poa",
"type": "check",
"title": "Has Power of Attorney",
"aiInstruction": {
"prompt": "Look for LPA or EPA documents."
},
"severity": "info",
"status": "configured"
}
]
},
{
"id": "id-verification",
"type": "group",
"title": "ID Verification",
"description": "Two forms + electronic check",
"children": [
{
"id": "two-id-forms",
"type": "check",
"title": "Two ID Documents",
"aiInstruction": {
"prompt": "Confirm presence of 2 photo IDs (passport, licence)."
},
"severity": "critical",
"status": "configured"
},
{
"id": "electronic-id-check",
"type": "check",
"title": "Electronic ID Check Pass",
"aiInstruction": {
"prompt": "Detect SmartSearch/ID hub pass status."
},
"severity": "critical",
"status": "configured"
}
]
},
{
"id": "atrq",
"type": "group",
"title": "ATRQ & Suitability",
"children": [
{
"id": "atrq-age-sla",
"type": "check",
"title": "ATRQ within SLA",
"aiInstruction": {
"prompt": "Flag ATRQ older than firm SLA or missing entirely."
},
"severity": "warning",
"status": "configured"
},
{
"id": "knowledge-experience",
"type": "check",
"title": "Knowledge & Experience Documented",
"aiInstruction": {
"prompt": "Confirm questionnaire for K&E completed."
},
"severity": "info",
"status": "configured"
}
]
},
{
"id": "capacity-tolerance",
"type": "group",
"title": "Risk Appetite",
"children": [
{
"id": "capacity-for-loss",
"type": "check",
"title": "Capacity for Loss",
"aiInstruction": {
"prompt": "Detect capacity-for-loss section in factfind."
},
"severity": "info",
"status": "configured"
},
{
"id": "tolerance-for-loss",
"type": "check",
"title": "Tolerance for Loss",
"aiInstruction": {
"prompt": "Detect tolerance-for-loss section in factfind."
},
"severity": "info",
"status": "configured"
}
]
},
{
"id": "agreements",
"type": "group",
"title": "Client & Fee Agreements",
"children": [
{
"id": "client-agreement",
"type": "check",
"title": "Client Agreement Signed",
"aiInstruction": {
"prompt": "Verify client agreement signatures (both signers if joint)."
},
"severity": "critical",
"status": "configured"
},
{
"id": "fee-agreement",
"type": "check",
"title": "Fees Detailed",
"aiInstruction": {
"prompt": "Check initial & ongoing fees specified in document."
},
"severity": "critical",
"status": "configured"
},
{
"id": "gdpr-consent",
"type": "check",
"title": "GDPR Notice & Marketing Consent",
"aiInstruction": {
"prompt": "Confirm GDPR & marketing sections signed."
},
"severity": "info",
"status": "configured"
}
]
},
{
"id": "lpa-death-docs",
"type": "group",
"title": "POA & Deceased Docs",
"children": [
{
"id": "certified-lpa",
"type": "check",
"title": "Certified LPA Copy",
"aiInstruction": {
"prompt": "If POA flagged, confirm certified LPA attached."
},
"severity": "critical",
"status": "configured"
},
{
"id": "death-certificate",
"type": "check",
"title": "Death Certificate",
"aiInstruction": {
"prompt": "If client deceased, detect certified death cert."
},
"severity": "critical",
"status": "configured"
}
]
}
]
},
{
"id": "protection-section",
"type": "group",
"title": "Protection Business?",
"condition": {
"aiPrompt": "Detect recommendation of protection product (life, CI, IP)."
},
"children": [
{
"id": "protection-plan-details",
"type": "check",
"title": "Existing Plan Details",
"aiInstruction": {
"prompt": "Extract existing policy numbers, sums assured & terms."
},
"severity": "warning",
"status": "configured"
},
{
"id": "shortfall-calculation",
"type": "check",
"title": "Protection Shortfall",
"aiInstruction": {
"prompt": "Calculate cover gap vs. recommended cover level."
},
"severity": "warning",
"status": "configured"
},
{
"id": "emergency-fund",
"type": "check",
"title": "Emergency Fund",
"aiInstruction": {
"prompt": "Verify emergency fund details or recommendation."
},
"severity": "info",
"status": "configured"
},
{
"id": "cover-analysis",
"type": "check",
"title": "Critical Illness Analysis",
"aiInstruction": {
"prompt": "Ensure CI terms & exclusions are discussed."
},
"severity": "info",
"status": "configured"
},
{
"id": "protection-report",
"type": "check",
"title": "Suitability Report",
"aiInstruction": {
"prompt": "Confirm suitability report covers protection rationale."
},
"severity": "critical",
"status": "configured"
}
]
},
{
"id": "dc-pension-section",
"type": "group",
"title": "DC Pension Advice?",
"condition": {
"aiPrompt": "Is advice recommending DC pension contribution/switch?"
},
"children": [
{
"id": "workplace-pension",
"type": "check",
"title": "Workplace Pension Details",
"aiInstruction": {
"prompt": "Extract scheme name, employer contributions & fees."
},
"severity": "info",
"status": "configured"
},
{
"id": "contribution-summary",
"type": "group",
"title": "Contribution Analysis",
"children": [
{
"id": "regular-contributions",
"type": "check",
"title": "Regular Contributions Planned",
"aiInstruction": {
"prompt": "Detect planned contribution frequencies and amounts."
},
"severity": "info",
"status": "configured"
},
{
"id": "allowance-warning",
"type": "check",
"title": "TAA Warning",
"aiInstruction": {
"prompt": "Flag total contributions near or above £200k."
},
"severity": "warning",
"status": "configured"
}
]
},
{
"id": "pension-switch",
"type": "group",
"title": "Pension Switch / Consolidation",
"children": [
{
"id": "switch-report",
"type": "check",
"title": "Switch Report + Yield",
"aiInstruction": {
"prompt": "Verify switch report & critical yield analysis."
},
"severity": "critical",
"status": "configured"
},
{
"id": "pension-illustration",
"type": "check",
"title": "Illustration & KFD",
"aiInstruction": {
"prompt": "Confirm key features doc and cash flow modelling."
},
"severity": "info",
"status": "configured"
}
]
}
]
},
{
"id": "investment-section",
"type": "group",
"title": "Investment Advice?",
"condition": {
"aiPrompt": "Detect recommendation of investment or bond products."
},
"children": [
{
"id": "investment-details",
"type": "check",
"title": "Product Details & Factsheets",
"aiInstruction": {
"prompt": "Extract fund factsheets, KIIDs/KIIDs & strategy research."
},
"severity": "info",
"status": "configured"
},
{
"id": "suitability-check",
"type": "check",
"title": "Suitability & Charges",
"aiInstruction": {
"prompt": "Ensure suitability report matches illustration charges."
},
"severity": "critical",
"status": "configured"
},
{
"id": "tax-wrapper",
"type": "group",
"title": "Tax Wrapper Analysis",
"children": [
{
"id": "gains-calculation",
"type": "check",
"title": "Bond/CGT Calculation",
"aiInstruction": {
"prompt": "Check onshore/offshore bond or CGT figures."
},
"severity": "warning",
"status": "configured"
},
{
"id": "micap-report",
"type": "check",
"title": "VCT/EIS MICAP",
"aiInstruction": {
"prompt": "Flag missing MICAP or structured-edge reports."
},
"severity": "warning",
"status": "configured"
}
]
}
]
}
]
}
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