Compliance management
Evidence captured at the point of work, not reconstructed later.
AML, KYC and KYB checks run as stages in the deal rather than as a folder someone remembers to fill. Every check leaves a timestamped trail you can hand to a lender or a regulator.
- 30 minutes
- No slide deck
- No obligation
Compliance: Ashworth Developments Ltd
Gate 3Audit trail
Illustrative view of compliance management in Xova.
Checks tied to the stage, not to memory
A file cannot progress past a gate until the checks attached to that gate have passed or been explicitly overridden with a reason. Compliance stops being an end-of-process scramble and becomes a property of the pipeline.
- Blocking and non-blocking gates per product
- Overrides recorded with reason and approver
- Re-checks triggered when key details change
Case stage gates
Onboarding
Compliance
Submission
Consumer Duty you can show
Record the outcome considerations, the client understanding checks and the rationale behind the recommendation as the work happens. When you are asked to demonstrate good outcomes, the demonstration already exists.
- Outcome and suitability rationale on file
- Vulnerability flags carried through the journey
- Exportable evidence per case or per period
Consumer Duty evidence
Outcome rationale
Recorded
Client understanding
Confirmed
Vulnerability review
No flags
Recommendation
Approved
One audit trail, exportable
Who did what, when, and what they saw at the time. The trail covers checks, document versions, communications and stage changes, and exports as a single pack for a lender review, an audit or a complaint.
- Immutable, timestamped activity history
- Per-case or per-period export
- Search across every file at once
Audit trail
Stage changed to Compliance
AML screening passed
Document v2 uploaded
See compliance management on one of your own cases.
A 30-minute walkthrough configured around the products you broker.
- 30 minutes
- No slide deck
- No obligation
UK hosted
Client data stays in the United Kingdom.
Full audit trail
Every check, document and decision is time stamped.
Built for UK GDPR
Retention, access and consent handled inside the client record.
API first
Connects to the tools your desk already runs on.
How it works
Compliance management in four steps
Define the gates
Set which checks each product and deal type requires, and which of them block progress.
Checks run automatically
AML, KYC and KYB fire against the record as soon as the data needed is present.
Review exceptions
Only the cases that need a human land in a reviewer's queue, with the reason attached.
Export the evidence
Produce a complete, timestamped pack whenever a lender or regulator asks.
“The best compliance function is the one nobody has to remember, because the process cannot move without it.”
Questions
Frequently asked
Does this replace our compliance policy?
No. Xova enforces the policy you set and records the evidence. The judgement remains yours; the paperwork stops being manual.
Can we override a failed check?
Yes, where your policy allows it. Overrides require a reason and an approver, and both are recorded permanently on the file.
How far back does the audit trail go?
For the life of the record. Historic files stay searchable and exportable after completion.
Further reading
From the Insights desk
Compliance
Data protection for finance brokers: UK GDPR in day-to-day practice
A practical guide to UK GDPR for commercial finance brokers: lawful basis, retention, sharing data with lenders, subject access requests, and what to do if something goes wrong.
Craig Peterson · 9 September 2026 · 8 min read
Read articleCompliance
Broker fee agreements and disclosure: getting the paperwork right before the work starts
How to structure a broker fee agreement, disclose fees properly, and keep evidence the client understood what they were signing up to before work began.
Craig Peterson · 8 September 2026 · 8 min read
Read articleGrowth
Getting on a lender panel, and staying on it
Panel managers see the same weak applications on repeat. Here's what actually gets a broker firm onto a lender panel, and what keeps you there once you are.
Craig Peterson · 8 September 2026 · 8 min read
Read articleSee compliance management against your own process.
We’ll configure a walkthrough around the products you broker.