How and why we built warn-only compliance checks for financial advisers

You finish a scenario report at 4pm. The projections look right, and the executive summary reads well. Still, you face the quiet question every adviser knows. Did I miss something the licensee would ask about? Are the goals captured? Is the risk profile on file? Does the scope match what we agreed?

Advisers carry heavy compliance obligations. Every client document involves requirements you manage personally. You hold the Best Interests Duty, the Code of Ethics, and seven-year record-keeping. AI makes drafting faster. Faster does not mean safer. The obligation remains yours.

Amply Advice helps you leave the building with confidence. We built a pre-export check that shows exactly what remains open before the client sees the document.

What we built

We created a per-client Compliance Status panel. It runs three checks before you export a document and records what you saw at the exact moment of export. The panel uses a simple traffic-light system: green, amber, and red.

Crucially, the system is warn-only. Nothing blocks you from exporting a document or continuing your work. You remain in control. You own the Statement of Advice and the Record of Advice.

The three tiers of compliance review

The panel surfaces gaps across three distinct areas.

Tier A: Fact-find completeness

This tier answers a core question. Do we have what we need before we advise?

These checks run deterministic rules over structured profile fields. They check goals, superannuation, fund choice, risk profile, and property purchase goals. They use zero keyword matching. We built this to catch modelling-relevant fact-find gaps. We did not build a full AML platform.

For example, if a household holds superannuation but the risk profile is missing, the panel shows amber. A Fix button takes you straight to the missing profile field.

Tier B: Provenance and export readiness

This tier ensures the document is ready for delivery. It checks that your licensee name and AFSL are configured. It confirms the legislative bundle is pinned. It verifies modelling disclosures are embedded. It also flags if AI attribution text remains in the narrative you intend to deliver.

If your AFSL or licensee name is missing, the item turns red. This is the exact gap that triggers a Draft watermark on your exports.

Tier C: Report judge

We built a fast AI review for AI-assisted advice.

When you save a scenario report, a fast model reads a snapshot. This snapshot includes the executive summary, scope, strategies, and headline metrics. The model rates ten specific rubric dimensions. It caches the results. If the report changes and the cache becomes stale, the system prompts you to run the review again.

These checks cover dimensions advisers recognize daily. The judge looks for scope alignment, plain-English clarity, alternatives considered, and a clear better-off articulation.

Before you even open the panel, a live badge on your Client Actions widget shows exactly how many outstanding items and warnings you have.

Evidence at export

Every client-facing DOCX persists a compliance snapshot. It stamps a compact summary directly into the document metadata.

We built this for compliance leaders. It provides a structured record of exactly what the adviser saw at the moment the file was produced. The persistence is best-effort. An export will never fail because a metadata write timed out. It serves as seven-year record-keeping preparation.

What we do not replace

We built a compliance prep and record-keeping tool. We did not build automated compliance sign-off.

• We make no appropriateness determination (s961G).

• We make no priority-of-interests call (s961J).

• We generate no remuneration or conflict disclosure.

• We produce no product-switching tables.

• We do not replace your SOA or CAR wrapper.

  
  

Perhaps today we don't do these things, but maybe in the future we will. For now, Tier C remains purely advisory. Your export proceeds even if the judge is unavailable. You decide what goes to the client.

For advisers already using AI

If you use AI to assist your advice, you need a pattern that scales safely.

Amply Advice already embeds AI provenance into executive summaries. The metadata includes the exact model, the prompt version, and the inputs hash. You can optionally sign off on the AI output before you download the file.

The Tier C judge serves as the next layer. It provides a semantic review scoped strictly to the document the client receives. As DBFO Tranche 2 lands, we plan to instrument more surfaces with this provenance pattern and expand the rubric.

You can see the Compliance Status panel in action today. Try Amply Advice, or contact us for a demo.