ClearPath Compliance is the agentic AI that runs regulatory compliance end to end. AI verifies and onboards your clients in minutes, not weeks. AI investigates every alert and clears it — reason attached. AI evidences source of funds from live bank data, and AI keeps every check running long after onboarding. 22 specialist AI Agents do the work; your MLRO approves what matters.
UK regulated firms — Banks, Fintechs, Law Firms, Conveyancers, Estate Agents, Mortgage Brokers, Accountants, Insolvency Practitioners, Corporate Service Providers, Trust Companies, Wealth Managers, Financial Advisers, Specialist Lenders — are drowning in compliance admin. KYC, KYB, AML, sanctions, source of funds, perpetual KYC — all manual, all duplicated across vendors, all in spreadsheets and email threads. Meanwhile fines for non-compliance hit £12.6B last year alone.
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 AI Agents, approved by your MLRO.
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 MLRO 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. The MLRO 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.
A workforce underneath your existing systems. 22 specialist AI Agents take the work itself — the onboarding, the screening, the source of funds, the investigations, the reporting, the firm’s own file, the rules as they change. Your MLRO approves the decisions that matter. One platform replaces the five vendors doing pieces of it today.
Identity verified on ClearPathID, our own technology — biometrics, NFC chip read, address matching, Safe Harbour standard — in the client’s own app. Documents read on upload, risk rated and decisioned. Cleared to act the same morning the client says yes.
Companies House, beneficial ownership, group structures and board appointments traced up to four layers deep — UBOs identified and screened automatically.
OFSI, OFAC, EU, UN and 200+ watchlists, PEPs and adverse media — at onboarding and continuously after it. A change in a client’s circumstances finds you, not the regulator.
AI reads bank data at source, verifies salary and asset trails, confirms gifts — and drafts the plain-English narrative for your MLRO to approve.
AI gathers the evidence, runs the investigation, writes the rationale and recommends the outcome. Your analyst approves — the cost that used to live after every alert, gone.
AI dismisses 90%+ of false matches automatically, recording the reason on every one. Your team sees only the matches that matter.
FCA, HMRC, SRA and OFSI sources monitored in real time — every change mapped to your own policies and risk assessment, the impact assessed the day it lands.
The firm-wide risk assessment, policies, file reviews and training records — maintained continuously by the agents. The week the supervisor calls becomes a normal week.
Replace 5 vendors with 1 platform. ID checker, screening tool, source-of-funds tool, eSignature tool, payments tool — one platform, one audit trail, one bill.
New director appointment at Hartwell Trading Ltd (Cyprus). Trigger re-verification: KYB on new entity, beneficial ownership tracing, source of funds re-assessment. Risk rationale drafted.
The Perpetual KYC Agent 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 Compliance catches every update, every time.
Read the Perpetual KYC brief →The Sanctions Screening Agent screens every UBO of every entity against OFSI, OFAC, EU, UN and 200+ global watchlists. Partial matches scored, contextualised, ranked. The Risk Rationale Writer drafts the full audit-grade reason for every decision. Your MLRO reviews, not researches.
Built to MLR 2017 / OFSI guidance / FCA SYSC 6.3 standards. Inspection-ready by default.
Read the Sanctions brief →The AML & Risk Scoring Agent 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 MLRO approval.
Used by UK regulated firms across law, accountancy, property, lending and financial services.
Read the AML brief →The Source of Funds Agent 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 MLRO 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.
Read the Source of Funds brief →The Risk Rationale Writer 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.
Read the Risk Rationale brief →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. MLROs see what matters, when it matters.
Tune policies, escalation thresholds, MLRO workflows, 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 Compliance, 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. The agents do the work. Your MLRO 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.
It reasons against UK AML regulation, FCA/HMRC rules, your firm’s sector policies, and the specific risk — choosing the right action.
It executes the work — drafting rationales, blocking transactions, updating files, escalating to MLRO. The actual job, not a suggestion.
It logs every check, every reason, every change — and surfaces decisions needing MLRO approval. Audit-ready by default.
Six AI agents 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 and MLROs who have done exactly this work.
Runs on ClearPathID, our own identity technology. Document capture, NFC chip read, liveness and facial match, address matching against credit-bureau and electoral-roll data. UK DIATF-certified and HM Land Registry Digital Identity Standard: the Safe Harbour. 90 seconds from photo to verified.
AI screens continuously against OFSI, OFAC, EU, UN and 200+ global watchlists — PEPs and adverse media included. Hits propagate across every client, case and matter: flag once, block everywhere.
AI reads bank data at source through Open Banking, classifies every inflow, traces sales and gifts to their origin — and drafts the plain-English SoF memo, citations attached, for your MLRO.
AI verifies companies end to end — Companies House, beneficial ownership, group structures and board appointments traced up to 4 layers deep, every UBO identified and screened.
AI writes the reason behind every decision — clear, evidenced, in regulator-citation format for FCA, HMRC, SRA and ICAEW. Inspection-ready by default; the blank page never happens again.
AI monitors every onboarded client continuously — material change detection, re-screening on every sanctions list update, triggered re-verification. Annual review backlogs end.
AI gathers the evidence, runs the investigation and drafts the outcome with the rationale attached. From alert to decision-ready in minutes; your analyst approves, the file shows why.
AI monitors FCA, HMRC, SRA and OFSI sources in real time and maps every change to your own policies and risk assessment — the impact assessed the day it lands, the redline already drafted.
AI risk-rates every client against your policies and the regulator’s expectations — standard, enhanced or simplified DD decided automatically and explained.
AI builds the full background on higher-risk clients — corporate records, networks, source of wealth — a complete EDD report, fully sourced, in minutes.
AI finishes the onboarding — engagement and CDD documents signed electronically, fees and monies on account collected, in the client’s own app.
AI chases what’s missing — KYC requests, SoF letters, EDD documents — tracks responses, escalates non-responders and keeps clients updated, in your firm’s voice, 24/7.
AI watches behavioural and value patterns across your client base — anomalies flagged, tuned to your sector, SAR pre-drafts ready for review.
AI drafts the Suspicious Activity Report in full NCA format, glossary codes applied — reviewed by your MLRO, filed inside the statutory window.
AI captures every check, decision and signature — signed, timestamped, immutable. Inspection packs generated in minutes, not weeks.
AI drafts, schedules and files the annual return, suspicious activity reporting and breach notifications — connected to NCA, FCA, HMRC and SRA portals.
AI dismisses the false matches automatically, recording the reason on every one — only the matches that matter reach a human.
AI screens press and open web continuously, disambiguated to the right person, summarised with sources — the story behind the name, early.
AI maintains the firm-wide risk assessment — MLR 2017 Regulation 18 — continuously, updating it when your risk picture or the rules change, for MLRO sign-off.
AI maps every policy to the obligation it serves — gaps flagged, redlines drafted when the rules move, version history kept for the inspector.
AI samples and reviews files continuously against your own standards — findings logged, remediation tracked. Inspection week holds no surprises.
AI schedules, tracks and evidences staff AML training — CPD and screening records kept current, the supervisor’s standing question already answered.
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 the agents, approved by your MLRO, 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 the agents.
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.
Most platforms verify and stop — the client still signs somewhere else and pays somewhere else. On ClearPath the whole engagement happens in one sitting, in the client’s own app: identity verified on ClearPathID — our own technology, with biometrics and NFC passport reading — source of funds evidenced from bank data, engagement and CDD documents signed electronically at qualified-signature grade, fees and monies on account paid. Onboarding finished before your team has opened the file.
ClearPathID — 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 the MLRO. 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.
We don’t sell the data — and we never outsource the thinking. Identity, screening and source-of-funds analysis are performed by ClearPath AI’s own agents, with identity on ClearPathID, our own technology. The data feeding the agents is yours to choose: sanctions and PEP lists, credit bureaus, registries and Open Banking — connected once, read by the agents, never re-keyed.
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 Regulatory Intelligence Agent 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 your MLRO to approve. 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.
22 AI Agents 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. The monitoring agent 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.
For a typical 50-fee-earner UK law firm onboarding 200 clients a month, ClearPath Compliance pays back in days — then keeps paying back, every month, on every onboarding.
Based on UK regulated firm averages: £100k fully-loaded compliance officer cost · 90 minutes manual time per onboarding eliminated · 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.
It’s like hiring 22 specialists overnight. They do the checks. My MLRO does the judgement.
From 50-partner London law firms to challenger banks running thousands of customer onboardings a week — ClearPath Compliance runs the compliance foundation.
Actionstep ⇄ 2-way sync. Full CDD — identity, source of funds, perpetual KYC — run by the agents for HNW London client matters. The SRA review passed first time.
“Our analysts do risk decisions now, not document chasing.”
Sarah Kennedy · MLRO
Every client verified once at engagement — identity, screening, source of funds — then monitored continuously. £2.5M average matter value.
“HMRC supervision stopped being the thing we worried about.”
James Bray · Managing Director
Standalone deployment. KYB & UBO depth across complex corporate structures. Companies House live, 4-layer beneficial ownership tracing, sanctions hits propagated.
“Four layers of ownership in minutes. We used to brief external counsel for that.”
Elena Marsh · Head of Compliance
Standalone deployment across UK, EU, US, UAE and Asia offices. Sector rules adapted per jurisdiction. SRA AML Rules, FinCEN, EU 6AMLD all running on the same agent platform.
“One platform, every jurisdiction, every decision explained.”
Risk & Compliance Partner
Standalone deployment. Salesforce FSC + Mambu integration. 8,412 customers under perpetual KYC. SAR drafting at NCA-grade templates, 92% auto-decisioned.
“Alerts arrive investigated. My team approves and moves on.”
Head of Financial Crime
Standalone deployment. MLR 2017 Reg 33 + Reg 35 specialism — PEPs, HNW, complex source-of-wealth. £4.2M average client portfolio. Perpetual KYC across 412 client families.
“Complex source-of-wealth work that took weeks is a same-day memo.”
Chief Compliance Officer
AI compliance was built for banks and fintechs. The regulated professions — law firms, accountants, estate agents, insolvency practitioners, corporate service providers — were left with yesterday’s tools. Not any more. Same 22 AI Agents, two worlds: pre-configured for your sector’s rulebook and your supervisor’s expectations, from the first minute.
Law firms and conveyancers under the SRA and CLC, with LSAG guidance built in. Accountants and insolvency practitioners under ICAEW, ACCA, IPA and HMRC. Estate and lettings agents under HMRC. Corporate Service Providers and Trust Companies under HMRC. Your rulebook, your forms, your supervisor’s expectations — pre-configured. Replace 5 vendors with 1 platform.
A single platform that runs every regulatory check — ID, biometrics, sanctions, PEP, KYB, UBO, source of funds, perpetual KYC — for any UK regulated sector. Sector rules pre-configured. Audit packs generated automatically.
AI handles the screening, the KYB, the source of funds analysis, the rationale writing. Your MLRO does judgement and signs off. Your team goes back to client work and risk decisions, not document chasing.
Banks and building societies, fintechs and payments firms under the FCA with JMLSG guidance built in. Mortgage brokers and financial advisers under Consumer Duty. Wealth Managers, Specialist Lenders and Payments Firms. Screening, monitoring, investigations and SARs — at the volume and speed your book demands.
One platform runs the customer lifecycle end to end — onboarding, screening, risk scoring, transaction-level source of funds, perpetual KYC, alert investigation and regulator reporting. Every decision explained, every output sourced, every file ready for the FCA.
Alerts arrive investigated: evidence gathered, rationale written, outcome recommended. Your analysts approve and move on. SARs drafted in full NCA format, filed inside the statutory window.
Most compliance platforms take 6–9 months to implement. ClearPath is software-as-a-service: sign up, connect, run your first check the same hour. Pre-trained agents, pre-built integrations, sector rules already configured. Here’s exactly what your first day looks like.
Create your firm’s account, pick your sector, invite your team. All 22 AI Agents are 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 MLRO 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 Compliance is a standalone platform for any UK regulated firm. It is also the compliance substrate of the ClearPath group’s three property platforms — ClearPath Property, ClearPath Finance and ClearPath Legal.
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
AML · KYC · KYB · Sanctions · Source of funds · Perpetual KYC
runs underneath all three platforms · 22 AI Agents · clearpathcomply.app — and standalone for every UK regulated sector
One canonical client record across all three platforms. Compliance — KYC, AML, sanctions, source of funds — runs underneath, shared between Property, Finance and Legal. Verified once. Used everywhere. No re-keying, no missed signal, the chain stays connected from listing all the way to HMLR 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 ClearPathID — 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.
Predictable per-firm subscription, transparent per-matter fee. Built for sole practitioners all the way to multi-jurisdictional networks.
For sole practitioners and small regulated firms — up to 100 matters a month
For multi-fee-earner firms and groups onboarding and verifying 1,000+ clients a month
For networks and groups running 5,000+ matters a month — bespoke
Volume pricing available. These prices are for ClearPath Compliance as a standalone platform for any regulated business. Inside ClearPath Legal, 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 Compliance 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 your MLRO signs it off. Live the day you sign up.
Start today →