From Fragmented Regulations to Continuous Regulatory Intelligence

Four Domains. Multi Regulations. One Platform.

Executive View

Product Intelligence

Platform

Enterprise Regulatory Intelligence starts here

Profylr are pioneering Enterprise Regulatory Intelligence — a new global category giving regulated firms a single, connected view of their full regulatory obligation portfolio

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Domain Sector

Conduct Intelligence

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Resilience Intelligence

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Statistical Intelligence

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Financial Crime Intelligence

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Live

Conduct Intelligence

Conduct intelligence gives you a continuous view of customer outcomes — with metrics, thresholds and commentary feeding directly into a board-ready position.

Consumer Duty

What it covers

The full Consumer Duty framework — products, journeys, outcomes, metrics. Configured by the firm. Scored by Profylr.

What Profylr does

Product and journey configuration with metric assignment
Metric scoring against firm-set thresholds
Outcomes monitoring across four consumer outcomes
Commentary workflow — human narrative alongside data
AI narrative flagging where commentary and data diverge
RAG status at metric, outcome, product, and enterprise level

Regulation anchor

FCA PS22/9, FCA FG22/5

DISP (Dispute Resolution)

What it covers

Complaint handling, investigation, resolution quality, complainant rights, FOS referrals, and root cause analysis.

What Profylr does

Monitor complaints performance — tracking identification, resolution timeliness, investigation quality and fair outcomes.
Reveal emerging complaint risk — analysing FOS referral and overturn trends while linking complaints to Consumer Duty outcomes.
Detect hidden conduct issues — identifying products where complaints rise while outcome metrics remain positive.

Regulation anchor

FCA DISP Sourcebook

Vulnerable Customers

What it covers

Vulnerability identification, support provision, and outcome parity.

What Profylr does

Measure vulnerability management — monitoring identification, staff capability and customer support.
Assess outcome parity — comparing outcomes for vulnerable and non-vulnerable customers.
Surface amplified risk signals — linking vulnerability prevalence with complaints and Consumer Duty outcomes.

Regulation anchor

FCA FG21/1

Product Governance

What it covers

Product design and approval, target market definition, fair value assessment, distribution monitoring, and ongoing product review.

What Profylr does

Connect governance with real outcomes — linking product approvals, fair value reviews and target markets with conduct data.
Assess fair value continuously — combining Consumer Duty outcomes, complaints and vulnerability indicators.
Detect distribution risks early — identifying signals that products may be reaching customers outside the target market.

Regulatory anchor

FCA PROD Sourcebook (PROD 3, PROD 4), PRIN 2A

Financial Promotions

What it covers

Compliance of financial promotions and customer communications with requirements that they are fair, clear and not misleading.

What Profylr does

Monitor communication effectiveness — linking promotions to Consumer Duty Consumer Understanding metrics.
Identify promotion-driven complaints — connecting “misleading” or “not told” complaint causes to promotions.
Highlight vulnerability risks in communications — detecting where vulnerable customers show declining understanding.

Regulatory anchor

FCA Financial Promotions framework (COBS 4 and relevant sector-specific promotion rules)

Product Sales Data

What it covers

Product sales and performance data including volumes, values, distribution channels and customer segmentation used to monitor market activity and consumer risk.

What Profylr does

Link sales to customer outcomes — correlating sales performance with complaints, outcomes and vulnerability indicators.
Quantify conduct exposure — attaching sales volumes and values to conduct risk signals.
Analyse sales risk patterns — monitoring product growth, distribution trends and vulnerable customer sales.

Regulatory anchor

FCA Product Sales Data reporting (SUP 16)

Principles for Business

What it covers

The FCA’s 12 Principles for Businesses — evidenced through cross-regulation data rather than monitored as standalone metrics.

What Profylr does

Map operational evidence to each Principle — linking outcome, complaint and governance data.
Identify evidence gaps — highlighting Principles lacking sufficient supporting data.
Detect principle-level risks — flagging contradictions between conduct performance and regulatory expectations.

Regulatory anchor

FCA PRIN Sourcebook and Consumer Duty (PRIN 2A)

Live

Resilience Intelligence

From 200-page documents and spreadsheets to live intelligence — unifying capital adequacy, operational resilience, and prudential reporting in one streamlined view.

Operational Resilience

What it covers

Identification of important business services, impact tolerances, mapping, scenario testing and the firm’s ability to remain within tolerance during disruption.

What Profylr does

Configure important business services — linking services to processes, systems, people and third parties
Map dependencies — creating a connected view of internal and external service delivery chains
Monitor impact tolerances — tracking performance against defined thresholds during live and stressed conditions
Assess scenario testing outcomes — identifying vulnerabilities and remediation actions
Link resilience to real signals — connecting incidents, outages and customer impact to service resilience
RAG status at service, dependency, scenario and enterprise level

Regulation anchor:

FCA PS21/3, PRA SS1/21

ICAAP (Internal Capital Adequacy Assessment Process)

What it covers

Identification of important business services, impact tolerances, mapping, scenario testing and the firm’s ability to remain within tolerance during disruption.

What Profylr does

Configure important business services — linking services to processes, systems, people and third parties
Map dependencies — creating a connected view of internal and external service delivery chains
Monitor impact tolerances — tracking performance against defined thresholds during live and stressed conditions
Assess scenario testing outcomes — identifying vulnerabilities and remediation actions
Link resilience to real signals — connecting incidents, outages and customer impact to service resilience
RAG status at service, dependency, scenario and enterprise level

Regulation anchor

FCA PS21/3, PRA SS1/21

ILAAP (Internal Liquidity Adequacy Assessment Process)

What it covers

Assessment of liquidity adequacy, funding risk and the firm’s ability to meet obligations under normal and stressed conditions.

What Profylr does

Monitor liquidity position — tracking buffers, inflows, outflows and survival horizons
Assess funding risk — identifying concentration and dependency on funding sources
Analyse stress scenarios — evaluating liquidity resilience under firm-specific and market-wide stress
Identify liquidity gaps — highlighting shortfalls against internal risk appetite
RAG status at liquidity metric, scenario and enterprise level

Regulation anchor

PRA Rulebook (ILAAP), CRD IV / UK CRR

Stress Testing

What it covers

Firm-wide stress testing across capital, liquidity and operational scenarios to assess resilience under severe but plausible conditions.

What Profylr does

Configure stress scenarios — aligning macroeconomic, operational and firm-specific shocks
Monitor stress outcomes — tracking impact across capital, liquidity and operational performance
Identify cross-risk impacts — linking stress results across ICAAP, ILAAP and operational resilience
Assess recovery capacity — evaluating management actions and response effectiveness
RAG status at scenario, risk type and enterprise level

Regulation anchor

PRA Stress Testing Framework, Bank of England Stress Testing

FINREP (Financial Reporting)

What it covers

Standardised financial reporting of balance sheet, profit and loss and exposures to regulators.

What Profylr does

Monitor reporting accuracy — validating financial data consistency and completeness
Track submission timeliness — ensuring deadlines and regulatory requirements are met
Identify data integrity issues — highlighting inconsistencies across financial datasets
Link reporting to underlying data — connecting submissions to source systems and calculations
RAG status at report, metric and enterprise level

Regulatory anchor

FINREP (EBA / UK implementation)

COREP (Capital Reporting)

What it covers

Regulatory reporting of capital adequacy, risk exposures and own funds requirements.

What Profylr does

Monitor capital reporting — tracking accuracy of risk-weighted assets and capital ratios
Validate exposure calculations — ensuring alignment with underlying risk data
Identify reporting inconsistencies — highlighting breaks across capital, risk and finance data
Link reporting to ICAAP outputs — ensuring consistency between internal assessments and regulatory submissions
RAG status at report, exposure class and enterprise level

Regulatory anchor

COREP (CRR / UK CRR)

Coming Soon

Statistical Intelligence

Your filed regulatory returns — finally read, with trends and signals surfaced from your richest regulatory data.

Balance Sheet & Financial Position

Filed as: BoE Form BT

What it contains: Total assets and liabilities by category — mortgages, unsecured lending, deposits, capital.

What Profylr surfaces: Balance sheet composition trends, concentration shifts, asset quality signals, growth vs risk balance.

Income & Expenditure

Filed as: BoE Form PL

What it contains: Net interest income, fee income, operating costs, impairments — by business line.

What Profylr surfaces: Margin trends, cost-to-income signals, impairment trajectory, profitability by product line.

Lending Stock

Filed as: BoE Form AL

What it contains: Total lending by product — mortgages, personal loans, credit cards, SME, corporate — with arrears and default data.

What Profylr surfaces: Lending growth vs arrears trends, product concentration, default rate trajectory, LTV distribution shifts.

Lending Flow

Filed as: BoE Lending Flow return

What it contains: New lending and repayments by product — gross flows in and out.

What Profylr surfaces: New business momentum, repayment rates, net lending growth, product mix shifts over time.

Deposits & Funding

Filed as: BoE Form AD

What it contains: Deposit balances by type — sight, fixed, ISA, business — with customer segment breakdown.

What Profylr surfaces: Funding mix stability, deposit concentration, rate sensitivity signals, customer segment migration.

Mortgage & Secured Lending

Filed as: BoE Mortgage returns (MR)

What it contains: Mortgage stock and flow — residential, BTL, equity release — with LTV bands, arrears, possessions.

What Profylr surfaces: Mortgage book quality signals, LTV distribution trends, arrears escalation patterns, BTL vs residential divergence.

Consumer Credit

Filed as: BoE Consumer Credit return (CC)

What it contains: Consumer credit stock — personal loans, credit cards, overdrafts, car finance — with default and write-off data.

What Profylr surfaces: Consumer credit health signals, default rate trends, write-off trajectory, product-level risk comparison.

Liquidity & Market Instruments

Filed as: BoE Form FDSF

What it contains: Liquid asset buffer, funding sources, wholesale funding dependency, maturity profile.

What Profylr surfaces: Liquidity buffer adequacy signals, funding concentration risk, maturity mismatch trends, wholesale dependency shifts.

Derivatives

Filed as: BoE Form DQ

What it contains: Derivative positions by type — interest rate, FX, credit, commodity — with counterparty exposure.

What Profylr surfaces: Derivative position trends, counterparty concentration, CCP exposure, notional vs market value divergence.

Coming Soon

Financial Crime Intelligence

Connected to the rest of your regulatory picture for the first time. Financial crime data that doesn't live in a silo.

Customer Due Diligence (CDD)

What it covers

Customer and counterparty identification, verification, risk assessment and ongoing due diligence across the full relationship lifecycle.

What Profylr does

Configure customer risk models — aligning KYC data, risk factors and jurisdictional exposure
Monitor onboarding and refresh cycles — tracking completeness, timeliness and exceptions
Assess risk distribution — identifying concentrations across products, geographies and segments
Link CDD to wider risk signals — connecting customer risk with transaction monitoring, screening and fraud indicators
RAG status at customer, segment, product and enterprise level

Regulatory anchor

Money Laundering Regulations 2017, FCA SYSC 6.3

Screening (Sanctions, PEP, Adverse Media)

What it covers

Screening customers, counterparties and transactions against sanctions lists, politically exposed persons (PEPs) and adverse media.

What Profylr does

Monitor screening effectiveness — tracking alert volumes, false positives and resolution times
Identify exposure risk — highlighting matches across sanctions, PEP and adverse media datasets
Assess alert quality — analysing escalation, clearance decisions and consistency
Link screening outcomes to customer risk — aligning screening alerts with CDD profiles and transaction behaviour
RAG status at alert, customer, segment and enterprise level

Regulatory anchor

UK Sanctions Regime (OFSI), Money Laundering Regulations 2017

Transaction Monitoring & Detection

What it covers

Monitoring transactions and customer behaviour to detect money laundering, terrorist financing and other financial crime risks.

What Profylr does

Monitor detection performance — tracking alert generation, investigation timeliness and escalation
Identify emerging typologies — analysing patterns across transactions, geographies and behaviours
Assess model effectiveness — comparing detection rates, false positives and missed risk indicators
Link behavioural signals — connecting transaction patterns with customer risk, screening and fraud indicators
RAG status at transaction, customer, typology and enterprise level

Regulatory anchor

Money Laundering Regulations 2017, FCA SYSC

Regulatory Reporting (SARs, REP-CRIM)

What it covers

Submission of financial crime reports including Suspicious Activity Reports (SARs), REP-CRIM returns and sanctions breach notifications.

What Profylr does

Monitor reporting accuracy and timeliness — tracking submission completeness and deadlines
Assess reporting quality — identifying inconsistencies between underlying data and submitted reports
Link reporting to underlying activity — connecting SARs and REP-CRIM data to transaction monitoring and CDD outputs
Identify reporting gaps — highlighting under-reporting or delayed escalation risks
RAG status at report, obligation and enterprise level

Regulatory anchor

Proceeds of Crime Act 2002 (POCA), FCA REP-CRIM, OFSI reporting requirements

Fraud

What it covers

Prevention, detection and response to internal and external fraud across customers, payments and firm operations.

What Profylr does

Monitor fraud performance — tracking detection rates, losses, recovery and resolution
Identify emerging fraud patterns — analysing typologies across channels, products and customer segments
Assess control effectiveness — linking fraud events to preventative and detective controls
Connect fraud to conduct and financial crime — identifying overlaps with vulnerability, complaints and transaction behaviour
RAG status at event, product, channel and enterprise level

Regulatory anchor

FCA Principles for Businesses, UK Fraud Strategy, PSR reimbursement requirements

Financial Crime Governance

What it covers

Frameworks, policies, roles, training and oversight ensuring a defensible financial crime control environment.

What Profylr does

Monitor control framework health — tracking policy adherence, control performance and ownership
Assess training and awareness — measuring completion, effectiveness and risk alignment
Identify governance gaps — highlighting breakdowns in accountability, oversight or escalation
Link governance to outcomes — connecting control effectiveness with CDD, monitoring and fraud performance
RAG status at control, function and enterprise level

Regulatory anchor

FCA SYSC, UK Bribery Act 2010, Criminal Finances Act 2017

Trade Reporting (UK EMIR)

What it covers

Reporting derivatives transactions to authorised Trade Repositories under UK EMIR requirements.

What Profylr does

Monitor reporting completeness — tracking submission accuracy, timeliness and reconciliation breaks
Identify data quality issues — highlighting mismatches across counterparties and lifecycle events
Assess regulatory exposure — identifying gaps that could trigger regulatory scrutiny
Link reporting to transaction data — ensuring traceability from trade capture to regulatory submission
RAG status at trade, counterparty and enterprise level

Regulatory anchor

UK EMIR, FCA Transaction Reporting requirements

The View that didn’t exist before

Enterprise
Regulatory Intelligence

Connect every regulatory domain across your enterprise into one holistic view — so nothing works in isolation.

Built for the teams who do the work.

Profylr is not a dashboard bolted onto your existing tools —
it is the platform your compliance teams work inside every day.

Everything,
in one place

Commentary, evidence upload, sign-off, escalation. The compliance process happens inside Profylr, not alongside it.

Configurable
by the firm

Thresholds, metrics, risk appetite distances, scoring rules. Your firm's standards, not ours. Board-configured colours. Firm-defined tolerances.

Role-based
visibility

The board sees colours and distances. Compliance sees every data point, every trend, every threshold breach. Everyone sees the same truth at the level of detail they need.

Full
audit trail

Every action, every change, every commentary entry. Timestamped, traceable, regulator-ready.

The board gets the view.

The compliance team gets the platform.
Both work from the same data.
That is the point.

Designed for Operations to Board

It gives executive teams a clear, reliable view of regulatory exposure across the organisation, replacing disconnected reports with instant insight into compliance, emerging risk, and overall direction.

Benefits

Remove the operational burden created by fragmented regulation.
Reuse the same regulatory evidence across multiple frameworks
Eliminate duplicated compliance processes across teams
Reduce manual effort assembling regulatory reports and responses
Connect policies, controls and operational data in one place
Deliver regulatory outputs faster with fewer operational resources

What really stands out is how clearly the tool links everything back to the regulation — giving us full visibility and confidence that we’re meeting requirements”

Regulatory Reporting Analyst

Benefits

Understand the firm’s regulatory position with clarity.
See the full regulatory position of every product and service
Connect conduct, resilience, AML and reporting obligations
Track regulatory exposure across multiple frameworks simultaneously
Identify emerging regulatory risks earlier through connected signals
Respond to regulators with consistent, structured evidence

It connects the dots between your data and the regulation —showing exactly how each output supports compliance”

Senior Compliance Manager

Benefits

Provide trusted oversight of regulatory exposure.
A single trusted view of the firm’s regulatory position
Clear visibility of regulatory exposure across products
Confidence in the regulatory information presented to the board
Understand where regulatory risk is increasing across the firm
Reduce inefficiencies caused by fragmented compliance frameworks

“The tool’s ability to instantly generate comprehensive, board ready reports is a game changer —replacing hours of manual work with clear, regulation aligned insights at the click of a button.”

CRO

FAQs

Who is Profylr designed for?

Profylr is built for UK-regulated financial services firms — banks, building societies, insurers, and specialist lenders — that hold regulatory obligations across multiple domains. It is designed for firms managing cross-regulation complexity who are frustrated by fragmented tooling and manual processes.

Do we need to replace our existing filing platform?

No. Profylr does not file returns. You keep your existing filing platform. Profylr consumes your filed data and adds the intelligence layer — trends, signals, cross-return consistency, AI narratives — that filing platforms do not provide. The data was always in your returns. Profylr makes it readable, connected, and actionable.

How does the cross-domain intelligence actually work?

Every data point in Profylr is mapped to a common regulatory language that spans all four domains. When the same product, risk, or customer appears across Conduct, Statistical, Resilience, and Financial Crime, Profylr connects the signals automatically. Cross-domain queries work out of the box — no manual mapping required.

What is Enterprise Regulatory Intelligence (ERI)?

ERI is Profylr's most powerful capability — a connected, enterprise-wide view of your firm's regulatory position across every active domain. It is where interaction between regulations becomes visible, cumulative exposure becomes measurable, and strategic decisions become defensible. ERI is included at no additional cost when a firm subscribes to two or more domains.

Can we start with one domain and expand later?

Yes. Each domain can be activated independently based on your firm's priorities. Every domain adds value alone. Connected, they surface signals no single domain reveals on its own.

Do we need to fix our data before we can use Profylr?

No. Profylr ingests the data you already use — no data cleansing or remediation is required before going live.

How does Profylr integrate with our existing systems?

Profylr connects to your existing regulatory data through secure API integrations and structured file ingestion. If your returns are filed through an existing platform, Profylr can consume that data directly. No manual re-keying is required. Integration scope is confirmed during onboarding and typically completed within the first week.

How long does onboarding take?

Most firms are live and producing insights within 2–6 weeks for their first domain. Additional domains can onboard in parallel. The main variable is your team's availability to confirm products, segments, and data — not platform processing time.

How is our data protected?

Every client runs on a dedicated, fully isolated environment. All data is encrypted in transit and at rest with access controlled through role-based permissions. Full security documentation is available on request.

How does pricing work?

Profylr is licensed annually by domain. Contact us for a proposal tailored to your firm's regulatory footprint.

Talk to us.

We built Profylr for people who live inside regulated environments. If that's you, let's talk.

Enterprise Regulatory Intelligence starts here

Conduct Intelligence

Resilience Intelligence

Statistical Intelligence

Financial Crime Intelligence

Conduct Intelligence

Consumer Duty

What it covers

What Profylr does

Regulation anchor

Heading 4

DISP (Dispute Resolution)

What it covers

What Profylr does

Regulation anchor

Heading 4

Vulnerable Customers

What it covers

What Profylr does

Regulation anchor

Heading 4

Product Governance

What it covers

What Profylr does

Regulatory anchor

Heading 4

Financial Promotions

What it covers

What Profylr does

Regulatory anchor

Heading 4

Product Sales Data

What it covers

What Profylr does

Regulatory anchor

Heading 4

Principles for Business

What it covers

What Profylr does

Regulatory anchor

Heading 4

Resilience Intelligence

Operational Resilience

What it covers

What Profylr does

Regulation anchor:

Heading 4

ICAAP (Internal Capital Adequacy Assessment Process)

What it covers

What Profylr does

Regulation anchor

Heading 4

ILAAP (Internal Liquidity Adequacy Assessment Process)

What it covers

What Profylr does

Regulation anchor

Heading 4

Stress Testing

What it covers

What Profylr does

Regulation anchor

Heading 4

FINREP (Financial Reporting)

What it covers

What Profylr does

Regulatory anchor

Heading 4

COREP (Capital Reporting)

What it covers

What Profylr does

Regulatory anchor

Heading 4

Statistical Intelligence

Balance Sheet & Financial Position

Heading 4

Income & Expenditure

Heading 4

Lending Stock

Heading 4

Lending Flow

Everything,
in one place

Configurable
by the firm

Role-based
visibility

Full
audit trail