What we deliver
Fraud and AML rules: what you get
You find out which rules are earning their place, which are thin, and where fraud can get through untouched — so the fixing effort goes where it pays. A full rule-set review arrives as three documents: a rule scorecard, a coverage map, and a regulator-ready documentation pack, with each control mapped to the regulation it implements. These are the outputs of a rule review. We start with fraud and AML rules, where mandatory reimbursement of authorised push payment (APP) scams has made every rule’s rationale a board-level question.
Our approach
We diagnose, then build the fix with you — and the firm keeps it.
We start with the rules and controls already in place, score each one on six dimensions, from a written rationale to change control, and show where coverage is missing. Closing the gaps is a build we also do. A rule we built is then reviewed by your second line or a third party, not by us.
The output is evidence to hand a regulator, the Financial Ombudsman, or a court: what each control does, why it is justified, and which obligation it implements. We build it the same way every time — reproducible and open to inspection.
The three deliverables
Rule scorecard
DiagnoseA rating for each rule or control: how well it would hold up if challenged
Coverage map
MapWhere controls are strong, thin, or missing across all your rules
Documentation pack
DocumentEvidence for a regulator, each control mapped to the regulation it implements
Consistent by design
Every pack is produced the same way — repeatable, traceable, and explainable step by step.
Assessment
Score each rule, map the coverage, map it to the regulation
Step 1
Score each rule
Step 2
Map the coverage
Step 3
Map to regulation
Each control
The obligation it implements
Each gap
The exposure it creates
Each pack
Regulator-ready record
We adjust the depth to the number of rules and the regulations that apply.
Where it applies
One method, four ways to use it
We start with fraud and AML rules. The same scorecard, coverage map, and documentation pack also stand behind the decisions handed to automated and AI systems.
Credit models, legal and forensic analysis, marketing analytics, and automation have their own deliverables, on their own pages: Credit Risk, Legal & Forensic, Marketing Analytics, and AI & Automation.
01
Fraud and AML rule review
Scope
- Review the live fraud and AML rule set
- Score each rule on its logic, rationale and evidence
- Map coverage against APP-fraud and AML risk
Output
- Rule scorecard
- Coverage map
- Documentation pack
- Regulation mapping
02
PSR APP-fraud readiness
Scope
- Test rules against reimbursement scenarios
- Identify thin or unjustified thresholds
- Show the proportionality of each control
Output
- Reimbursement-scenario review
- Gap and exposure summary
- Defensible rationale per rule
- A record for the Ombudsman
03
Governance
Scope
- Map decisions made by automated or AI systems
- Score how well each decision can be explained
- Define and document the controls around it
Output
- Decision register
- Decision scorecard
- Documented controls
- Regulation mapping
04
Independent assurance
Scope
- Support internal risk and compliance teams
- Review rules and controls we did not build
- Provide independent, repeatable analysis
Output
- Assurance report
- Control review
- Expert review
What is different about this
Every decision can be traced back to why it was made
Controls that keep working when they are questioned, across all four financial-crime domains, for UK FCA-regulated firms that must be able to show why for every decision.
Reasoned, every time
Every rule is scored the same way, so every score and every line of the pack can be traced and explained: evidence prepared for regulatory, audit or litigation scrutiny.
Mapped to regulation
Each control is tied to the obligation it implements, so the documentation pack reads as evidence rather than as a generic policy.
The firm keeps the fix
We diagnose the gaps, build the fix with you, and document the controls; the rules, rationale and record stay in-house to run and defend.
Get started
See where the fraud rules stand
Answer a short set of questions about the fraud and AML rules. The result is an early read on how well they would hold up under review; leave your details and we name the areas behind it.