ClearPath Risk & Compliance AI runs the whole function. The AI onboards the client, the AI reads the evidence, the AI traces the money, the AI follows the ownership and the AI reasons the risk the file actually presents — writing the argued, cited rationale behind every judgement. Alerts are investigated and cleared with the reason attached, monitoring continues long after onboarding, and the evidence pack is assembled before anyone asks for it. Your team decides.
A check gives you a result. It does not tell you what the result means for this client, on this file, under your own policy — and it does not write that down. Across banking, fintech, law, property and lending, that judgement is still made by people reading documents and typing into spreadsheets, on every client, every time. Fines for getting it wrong reached £12.6B last year.
FCA, HMRC, SRA, OFSI — every regulator now treats AML failure as a criminal matter, not an admin one. The cost of a single mishandled onboarding can exceed a year of operating profit. The cost of doing it manually exceeds it forever.
Distinct parties per transaction. None of them on the same system.
Of a compliance officer’s day spent on manual checks, not risk.
Average UK enhanced-DD onboarding. Five days held together manually.
For the first time, AI can do the work of compliance — the onboarding, the screening, the investigations, the firm’s own file — carried by ClearPath AI, approved by your team.
For twenty years, compliance technology meant data and checks — screening databases, ID verification, case queues. Useful. But every alert still landed on a human, and your people did everything about it. That’s why compliance became one of the biggest cost lines in every regulated firm — and why it can’t scale. The next generation works the other way round.
1. Alert generated 2. Your analyst reviews it 3. Your analyst gathers the evidence 4. Your analyst runs the investigation 5. Your analyst writes the rationale 6. Your analyst decides.
1. AI identifies the issue 2. AI gathers the evidence 3. AI runs the investigation 4. AI writes the rationale 5. AI recommends the outcome 6. Your team approves.
Already trained on MLR 2017, the SRA AML Rules, FCA SYSC, JMLSG guidance and OFSI watchlists. Sector rules pre-loaded. Audit packs pre-templated. Connect your systems and run your first check the same hour — setup in minutes, not months.
ID checks moved online. Sanctions lists moved online. Every onboarding, every UBO check, every risk decision — still done by humans clicking between portals, emailing PDFs, updating spreadsheets.
Document OCR, biometric matching, risk-score suggestions — faster, more accurate. Still producing outputs for humans to review. Somebody wrote every risk rationale, escalated every SAR, every time.
22 specialist AI Agents — trained on UK AML, KYC, KYB, sanctions and source of funds requirements — run the complete compliance operation end-to-end. Every check automated. Every risk surfaced. Every decision presented for one-click approval. The platform that runs compliance.
The AI works underneath the systems you already run. AI onboards the client, AI reads the evidence, AI traces the money, AI follows the ownership, AI investigates the alerts and AI writes the argued rationale behind every judgement — then keeps the assessment current, maintains the firm’s own file and tracks the rules as they change. Your team decides.
The AI collects what is needed, reads the documents, resolves the discrepancies and assembles a complete, evidenced client file — using your own identity provider, or one selected from our marketplace.
The AI follows layered companies, trusts and SPVs through to the beneficial owners, verifies them against the registers, and reasons the risk each layer in that ownership chain actually carries.
The AI works every sanctions, PEP and adverse-media hit against the client in front of it, resolves what matches and what does not, and keeps re-checking for the life of the relationship.
The AI reads statements line by line, traces deposits to savings, a gift, a sale or a bonus, builds the wealth narrative, evidences it, and says plainly what it could not evidence.
The AI gathers the context, tests the alert against the client and the transaction, writes the reasoning either way and closes it or escalates it with the argument already made in full.
The AI works each hit name by name against date of birth, jurisdiction and known aliases, discounts what does not match with its reasons recorded, and surfaces only what a person needs.
The AI watches regulatory change across your supervisor and the wider regime, works out what it means for your policies and procedures, drafts the amendment and sets out the gap it closes.
The AI keeps the firm-wide risk assessment, the policies, the file reviews and the training records current from what is actually happening — so the week the supervisor calls is a normal week.
Keep the providers you already use. Identity, screening, open banking and eSignature run on your existing suppliers, or you select one from our marketplace — the AI reasons over whatever the evidence says, and every decision lands on one audit trail.
New director appointment at Merrowfield Trading Ltd (Cyprus). Trigger re-verification: KYB on new entity, beneficial ownership tracing, source of funds re-assessment. Risk rationale drafted.
The AI continuously monitors every onboarded client — re-screening against sanctions lists, watching for material changes, picking up adverse media, detecting behavioural anomalies. Risk surfaces the moment it appears, not at next year’s annual review.
1 in 3 firms get caught by a sanctions list update they missed. ClearPath Risk & Compliance AI catches every update, every time.
See perpetual monitoring →The AI screens every UBO of every entity against OFSI, OFAC, EU, UN and 200+ global watchlists. Partial matches scored, contextualised, ranked. The AI drafts the full audit-grade reason for every decision. Your team reviews, not researches.
Built to MLR 2017 / OFSI guidance / FCA SYSC 6.3 standards. Inspection-ready by default.
See screening →The AI applies your firm’s policy, your sector’s regulator expectations, and every relevant data point — automatically. Standard, enhanced, or simplified due diligence decided in seconds, with the full written rationale ready for approval.
Used by UK regulated firms across law, accountancy, property, lending and financial services.
See risk assessment →The AI reads the client’s bank data at source through Open Banking — no PDF statements, no spreadsheet archaeology. Every inflow classified: salary verified against the employer, property sales matched to HM Land Registry, gifts confirmed with the giver, transfers traced to the originating account. Anomalies are queried with the client in their app, and the answer lands in the file with the evidence attached.
The output is the document your team actually needs: a plain-English Source of Funds memo, every figure cited, source of wealth covered in the same pass — drafted in minutes, where the old way took three weeks of chasing PDFs.
See source of funds →The AI turns every check, every data point, every escalation into a clear, evidenced, regulator-citation narrative. SRA, FCA, HMRC, OFSI — every audit-ready. Inspection packs generated in minutes, not weeks.
The result: inspections take hours instead of weeks. Compliance officers do judgement, not paperwork. Your evenings come back.
See the risk rationale →Every client. Every check. Every regulator. One connected workflow.
22 specialist agents go live with your sector rules already loaded — SRA, FCA, HMRC, ICAEW, MLR 2017. Pre-trained, pre-configured, ready the minute you sign up. Minutes, not months.
Mission control shows every agent, every decision, every alert in real time. Audit-ready by default — every check signed, timestamped, immutable. your team sees what matters, when it matters.
Tune policies, escalation thresholds, approval workflows and audit pack templates. Every agent learns from your firm's decisions. The longer it runs, the sharper it gets.
Most “AI” you’ve seen so far is a tool. You type a prompt, it writes back. You sit in the driver’s seat — it just makes you slightly faster.
Agentic AI works differently. Each agent is a specialist with a defined job, a clear goal, the rules of your regulation, and authority to take action. It perceives what’s changed in your data, decides what should happen next, executes the work, and reports the outcome — continuously, 24 hours a day, without being asked.
On ClearPath Risk & Compliance AI, 22 specialist AI Agents — each trained on UK AML, KYC, KYB, sanctions, source-of-funds law and your firm’s sector-specific policies — run alongside your compliance team. ClearPath AI does the work. Your team approves the decisions and owns the regulatory relationship.
This is software that finally works the way you’d hire a specialist to work.
The agent continuously watches your data, your client portfolio, sanctions lists, regulatory updates — looking for signals that matter.
The AI reasons against UK AML regulation, FCA and HMRC rules, your firm’s own policies and the risk actually in front of it — and chooses the action.
The AI does the work — drafting the rationale, holding the transaction, updating the file, escalating for approval. The job itself, not a suggestion.
The AI records every check, every reason and every change, and brings the decisions needing approval to your team. Audit-ready by default.
Six AI capabilities for onboarding. Six for continuous monitoring and reporting. Five for investigations and decisions. Five for the firm’s own file — and the rules as they change. Each one knows the exact rules, forms, regulators and process for UK regulatory compliance — Money Laundering Regulations 2017, Proceeds of Crime Act 2002, FCA SYSC 6.3, JMLSG guidance, Sanctions and Anti-Money Laundering Act 2018, OFSI consolidated list, MLR 2022 amendments. Designed by compliance officers who have done exactly this work.
Verifies the client through your own provider or one from our marketplace — document, NFC chip, liveness, facial match, address — then adjudicates the result against the file.
Screens every party continuously against OFSI, OFAC, EU, UN and 200+ watchlists, works each hit against the client in front of it and discounts what does not match.
Reads bank data at source through Open Banking, classifies every inflow, traces sales and gifts to their origin and evidences the wealth narrative behind the deposit.
Follows companies, trusts and layered structures to the beneficial owners, verifies each against the registers and reasons the risk that every layer of the chain carries.
Writes the reason behind every decision — argued, cited, in regulator format for the FCA, HMRC, SRA and ICAEW — so the file explains itself before inspection.
Watches every client after onboarding for material change, list updates, adverse media and new directors, re-assesses the risk and escalates only what genuinely warrants attention.
Gathers the context, tests the alert against the client and the transaction, writes the reasoning either way and closes it or escalates with the argument already made.
Tracks the FCA, HMRC, SRA and OFSI in real time, works out which policies and controls a change touches, drafts the amendment and states the gap it closes.
Rates every client against your own policies and your regulator’s expectations, decides standard, enhanced or simplified diligence, and sets out in writing exactly why it decided that.
Builds the full picture on higher-risk clients from corporate records, connected networks and source of wealth, then writes the sourced report a supervisor would expect to read.
Closes the onboarding out — engagement letters and diligence documents signed electronically, fees and monies on account collected, all inside the client’s own app without chasing.
Chases what is missing — identity requests, funds letters, diligence documents — tracks every response, escalates the silent ones and keeps clients updated in your own voice.
Watches behaviour and value patterns across the client base, tunes what matters to your sector, flags the genuine anomalies and pre-drafts the report where one is warranted.
Drafts the Suspicious Activity Report in full NCA format with glossary codes applied, ready for your team to review and file well inside the statutory window.
Records every check, decision and signature — signed, timestamped and immutable — and assembles the inspection pack for any file, client or return in minutes.
Drafts, schedules and files the annual return, the suspicious activity reporting and any breach notification, connected directly to the NCA, FCA, HMRC and SRA portals.
Works each hit name by name against date of birth, jurisdiction and known aliases, dismisses what does not match with the reason recorded and surfaces only what matters.
Screens press and open web continuously, disambiguates to the right person, summarises what it finds with sources attached and brings you the story behind the name early.
Keeps the firm-wide risk assessment under Regulation 18 current from live matters, updating it whenever your risk picture or the rules underneath it actually change.
Maps every policy to the obligation it serves, flags the gaps, drafts the redline when rules move and keeps the version history an inspector will ask to see.
Reviews open files continuously against your own procedures rather than a quarterly sample, logs every finding and tracks the remediation through to the point it is closed.
Schedules, tracks and evidences staff anti-money-laundering training, keeps every CPD and screening record current, and answers the supervisor’s standing question before it is even asked.
Compliance is three jobs. Every platform you’ve seen does one of them. ClearPath runs all three — with one team of agents, on one audit trail.
Identity, KYB and UBOs, sanctions and PEPs, source of funds, perpetual monitoring, investigations and SARs — run by ClearPath AI, approved by your team, evidenced as it happens.
The firm-wide risk assessment, policies and controls, file reviews, training records, regulator returns — the job done today with consultants and spreadsheets, now maintained continuously by ClearPath AI.
FCA, HMRC, SRA and OFSI watched in real time. A rule changes Tuesday; your policies, risk assessment and staff briefing move the same day — not the quarter after.
The whole engagement happens in one sitting, in the client’s own app. ClearPath AI verifies the identity through your provider or one from our marketplace, evidences the source of funds from bank data, takes the engagement and diligence documents through signature at qualified-signature grade, and collects the fees and monies on account. The AI adjudicates each result as it lands, so the file is complete and reasoned before your team has opened it.
Identity verification — our own identity technology. Document capture, NFC passport read, liveness and facial match, address verified. UK DIATF-certified to the Safe Harbour standard, evidenced to the audit trail — done while the kettle boils.
The client connects their bank in the app; the deposit story is read, traced and written up for approval. A request that used to take three weeks of PDFs.
Engagement letters and CDD declarations signed electronically at qualified-signature grade — no printing, no scanning, no second visit.
Monies on account and fees paid in the same flow. The matter opens funded — onboarding that finishes the job.
ClearPath AI does the thinking; the providers and data underneath it are yours to choose. Connect the contracts you already hold, or connect through the ClearPath marketplace — identity, screening, adverse media, corporate registries, credit files and Open Banking. Either way it is connected once, read by ClearPath AI and never re-keyed, and the reasoning over what comes back is the same.
Two-way sync with every system your firm already runs. Matter data flows in. Compliance decisions flow back. Nobody re-types anything.
Regulation moves constantly — and most firms find out a quarter late, from a newsletter. ClearPath’s AI · regulatory change monitors FCA, HMRC, SRA, OFSI and HM Treasury sources in real time, maps every change to your own policies, controls and firm-wide risk assessment, and acts: the impact assessed, the affected policy flagged, the redline drafted, the staff briefing written — presented for approval. The rule changes on Tuesday; your firm is compliant by Wednesday morning.
Regulator publications, consultations, sanctions designations and guidance updates — tracked the moment they publish, filtered to what touches your firm.
Each change matched to the policies, controls and risk-assessment sections it affects — high-signal alerts, never raw feeds.
The policy redline, the risk-assessment update and the staff briefing drafted automatically — review, approve, done.
Every change, assessment and approval logged to the audit chain — the “how do you keep policies current?” question, answered before it’s asked.
AI working underneath your team, all day. These are the moments they hand back.
The AI onboarded eleven new clients overnight — verified, screened, risk-rated, evidenced. Three escalations waiting, each with the rationale already written. Approved before the first coffee.
A sanctions match on an existing client’s UBO. Evidence gathered, network mapped, investigation drafted with the outcome recommended. One tap to approve — the file shows exactly why.
A client’s circumstances change three months after onboarding. ClearPath AI catches it, re-screens, flags the risk shift — before it becomes the regulator’s question.
The SRA review lands Monday. Every file evidenced as it ran — risk assessment current, policies mapped, training records complete. Nothing to assemble. Nothing to dread.
A 50-fee-earner UK regulated firm onboarding 500 clients a month — ten per fee earner. The platform is a real cost, and this is what it buys back. We rebuild the model on your own last 12 months before you commit.
Based on UK regulated firm averages: £100k fully-loaded compliance officer cost · 90 minutes of manual time removed per onboarding · audit prep reduced from 3 weeks to 3 hours. Your savings will vary — book a 30-minute call and we’ll model it on your last 12 months of onboardings.
We cut our average client onboarding from 5 days to 4 hours. Our two junior compliance analysts now spend their time on actual risk decisions — not chasing scanned passports and OFSI screenshots. Our last SRA inspection took three hours instead of three weeks.
The AI does the reading, the tracing and the writing. My team does the judgement.
From 50-partner London law firms to challenger banks running thousands of customer onboardings a week — ClearPath Risk & Compliance AI runs the compliance foundation.
Full diligence run by ClearPath AI on every client matter — identity, source of funds and continuous monitoring, synced two-way with the case management system.
“Our analysts do risk decisions now, not document chasing.”
Compliance lead
Every client verified once at engagement — identity, screening and source of funds — then monitored continuously across an average matter value of £2.5M.
“HMRC supervision stopped being the thing we worried about.”
Managing Director
Ownership traced four layers deep through complex corporate structures, every register checked live, and each sanctions hit propagated automatically across all the connected entities.
“Four layers of ownership in minutes. We used to brief external counsel for that.”
Head of Compliance
One deployment across UK, EU, US, UAE and Asia offices, with each jurisdiction’s rules applied and every decision explained in the local regulator format.
“One platform, every jurisdiction, every decision explained.”
Risk & Compliance Partner
Core banking integration with 8,412 customers under continuous monitoring, reports drafted to NCA-grade templates, and the great majority of alerts decisioned without a person.
“Alerts arrive investigated. My team approves and moves on.”
Head of Financial Crime
Enhanced diligence on politically exposed and high-net-worth clients, with complex source-of-wealth work evidenced across 412 client families and then kept current continuously.
“Complex source-of-wealth work that took weeks is a same-day memo.”
Chief Compliance Officer
The obligations are the same wherever you sit — know the client, understand the risk, evidence the judgement, keep it current. What differs is the rulebook, the supervisor and the language they expect it in. ClearPath AI arrives configured for yours, whether that is the FCA, HMRC, the SRA, the CLC or your professional body, from the first client you onboard.
Law firms and conveyancers under the SRA and CLC with LSAG built in. Accountants and insolvency practitioners under ICAEW, ACCA, IPA and HMRC. Estate agents, corporate service providers and trust companies under HMRC. Your rulebook, your forms and your supervisor’s expectations, configured before the first client.
ClearPath AI runs the whole function for your sector — identity, screening, ownership, source of funds, risk assessment and continuous monitoring — with your rulebook applied and the audit pack assembled as the work happens.
ClearPath AI does the screening, the ownership tracing, the source-of-funds analysis and the rationale writing. Your team does the judgement and signs off, and goes back to client work rather than document chasing.
Banks and building societies, fintechs and payments firms under the FCA with JMLSG built in. Mortgage brokers and advisers under Consumer Duty. Wealth managers, specialist lenders and payment institutions. Screening, monitoring, investigation and reporting, at the volume and speed your book actually demands.
ClearPath AI runs the customer lifecycle end to end — onboarding, screening, risk rating, source of funds, continuous monitoring, investigation and reporting — with every decision explained, every output sourced and every file ready.
Alerts arrive already investigated — the evidence gathered, the rationale written and the outcome recommended. Your analysts approve and move on, and reports are drafted NCA-ready and filed inside the statutory window.
A compliance platform usually takes two to three weeks to stand up. ClearPath AI is ready the same day — sign up, connect your systems, run your first client before lunch. The rulebook for your sector is already configured and the integrations are already built. This is what the first day looks like.
Create your firm’s account, pick your sector, invite your team. The AI is live in your environment from the first minute — pre-trained on MLR 2017, the SRA AML Rules, FCA SYSC and JMLSG.
Your sector’s rulebook loads automatically — SRA AML Rules, MLR 2017 Reg 18 firm-wide risk assessment, CRA/MRA templates. Upload your own policies and the agents know your firm in minutes.
Actionstep, Clio, Salesforce, Mambu — connected over OAuth in minutes. Your existing data vendors wired in. Two-way sync, verified end to end.
Send your first client the app link: identity, source of funds, signature and payment in one sitting. Verified, evidenced and cleared inside the hour.
Your team walks the escalation queue in Mission Control — sign-off workflows, audit packs, the lot. Onboarding at 5 days → 4 hours from your first morning. Audit-grade from minute one. Done.
If you’re not running your first live check on the day you sign up, we waive your first month. That’s how confident we are.
ClearPath provides five AI platforms for law firms, conveyancers, estate agents, mortgage brokers, lenders and regulated businesses. Risk & Compliance AI is complete on its own, and it also runs underneath ClearPath Property AI, Finance AI and Legal AI — so a client verified once is relied on across the whole transaction.
Listing → buyer
offer accepted
60 AI Agents · clearpathproperty.app
Instruction →
HMLR registered
79 AI Agents · clearpathlegal.app
Fact-find →
mortgage offer
69 AI Agents · clearpathlend.app
Risk rated · rationale written · monitored continuously · evidence assembled
runs underneath every platform · 22 AI Agents · clearpathcomply.app — and standalone for every UK regulated sector
One canonical client record across every platform. Risk and compliance run underneath, shared between Property, Finance and Legal, and ClearPathOS™ runs the work, the workflows and the operations above them. Verified once. Relied on everywhere. No re-keying, no missed signal, the chain stays connected from listing all the way to registration.
Every agent action is logged, explainable, and audit-ready — chosen by compliance teams precisely because every decision is transparent and every score has its reasoning attached. Your data is yours — never used to train shared models, UK-resident, deleted when you leave. MLR 2017, JMLSG guidance, FCA SYSC, SRA AML Rules — all baked into the platform, every onboarding, every client. Identity verification runs on Identity verification — certified to the UK DIATF and the HM Land Registry Digital Identity Standard (Safe Harbour), with biometric, NFC and address-matching evidence written to the audit chain on every check.
Every tier runs the whole function — the client onboarded, the money traced, the ownership followed, the risk reasoned and argued in writing, the monitoring continuous and the evidence pack assembled. What changes between tiers is the size of firm it is built for, and how far the oversight reaches across your book.
Sole practitioners and small regulated firms
Multi-fee-earner firms and groups running at scale
Networks, groups and multi-jurisdictional firms
Volume pricing available. These prices are for ClearPath Risk & Compliance AI as a standalone platform for any regulated business. Inside ClearPath Legal AI, Property and Finance the same compliance is built in — included in each platform’s per-matter fee, never charged per check.
Book a 20-minute demo. We'll model ClearPath Risk & Compliance AI on your last 12 months of onboardings — your sector, your vendors, your case management system. You'll see exactly what changes Monday morning — 20 minutes, your numbers, a clear answer.
Join the Banks, Law Firms, Accountants, Estate Agents and Wealth Managers already running their compliance on ClearPath. We migrate your client book, your policies and your audit history from your current vendors — and run in parallel until you sign it off. Live the day you sign up.
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