Onboarding and KYC file preparation
Reads identity and company documents, checks them against the application and Companies House, and queues gaps for your onboarding team. It never approves a customer.
AI for Financial Services
AI for financial services, with every customer decision left to your people
Onboarding files, complaints and client letters take hours of collecting and retyping before anyone applies judgement. We build AI into the systems your firm already runs so that work arrives prepared, and a named person approves anything that reaches a customer, a decision or the regulator.
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Where the time goes today, and what we build instead
SpotDev's AI for financial services builds AI into the systems a regulated firm already runs, so files, letters and checks arrive prepared and a named person approves each one.
Without SpotDev
Common today
With SpotDev
What we build instead
Without SpotDev
Onboarding files chased by email
Documents arrive in pieces, someone checks each one by hand, and the gaps surface days later.
With SpotDev
Checked as they arrive
Each document read on arrival and matched against the application, with missing or mismatched items queued for a person to resolve.
Without SpotDev
Complaints read from scratch
A handler rebuilds the history from emails, call notes and the account or policy before writing a word.
With SpotDev
A case file ready for the handler
History, key dates and the points raised gathered into one summary, with a draft response for the handler to edit and send.
Without SpotDev
Client letters written by hand
Suitability reports, review letters and renewal notes are retyped from the fact-find and the adviser's notes.
With SpotDev
A first draft from your records
Letters drafted in your templates from the records you hold, each statement traceable to its source, for the adviser or underwriter to sign.
Without SpotDev
File reviews limited by time
Quality checks only reach the files someone has time to read, so problems are found late.
With SpotDev
More files read against your checklist
Files checked against the questions your compliance team already asks, with anything doubtful sent to a reviewer with the reason.
What we build for financial services firms
Each of these prepares the work and leaves the decision with the person who already owns it.
Complaint case summaries
Pulls the complaint, the account or policy history and past contact into one summary, drafts a response in your style, and flags possible vulnerability for a person to review.
Suitability and review letters
Drafts suitability reports, annual reviews and renewal letters from the fact-find and the adviser's notes, for the adviser to edit and sign.
Underwriting and claims files
Assembles the file, summarises supporting documents and checks them against your referral rules. The underwriting or claims decision stays with your team.
Compliance file reviews
Reads files and call notes against your monitoring checklist and sends the exceptions to your compliance team with the reason and the evidence.
Enablement for your teams
Your people trained on the workflow: what the system checks, what it cannot see, and when to send something back.
The systems we connect to
- 01
Client, policy and adviser records
Salesforce, Microsoft Dynamics 365, broker platforms such as Acturis and adviser platforms such as Intelliflo. What each allows depends on your edition, which we check rather than assume.
- 02
Documents and email
Microsoft 365, SharePoint, Outlook and Teams, with e-signature through DocuSign, so files are read where they already live.
- 03
Checks and registers
Companies House and the identity and screening tools you already use, with each result recorded against the file it belongs to.
- 04
Data and reporting
Snowflake, Power BI and the spreadsheets your management information runs on, with each figure traced back to its source system.
The rules we build to
Your compliance team decides what each rule means for your firm, and the build gives them the controls and records to act on it.
Consumer Duty
The Duty requires firms to act to deliver good outcomes for retail customers and to avoid causing foreseeable harm. Anything a customer will read is approved by a person first, and the approval is recorded.
Senior manager accountability
The FCA says its rules on accountability for senior managers are relevant to the safe use of AI. Each workflow has a named owner and written approval rules that your accountable senior manager signs off.
Automated decisions
UK GDPR requires safeguards, including human intervention and the right to contest, for solely automated decisions with legal or similarly significant effects. Lending, underwriting and claims decisions are made by a person, who sees the prepared reasons.
Outsourcing and third parties
FCA rules say a firm that outsources critical or important operational functions remains fully responsible for its regulatory obligations. We document which AI vendor processes what, where and on which terms, for your third-party assessment.
Prepares, never decides
Files, letters and checks are prepared for a person to approve. Nothing reaches a customer, a decision or the regulator on its own.
Everything is logged
Every preparation, approval and rejection is recorded, so you can show your compliance team, auditors or the FCA what happened and who decided.
What AI for financial services costs
Three ways in, depending on how far you want to go. Prices exclude VAT, and AI subscriptions and usage are billed to you by the vendor. For a whole department of up to 100 people, AI Rollout starts at £18,000.
AI Starter
£3,500
Your team using AI on their own drafting, summarising and file review work, set up and trained online over four weeks.
- Up to 15 people, fully remote
- Workspace and usage rules set up for you
- Three live online sessions on real financial services work
- Shared starter tools for complaint summaries, letter drafts and file checks
- A review at day 30
Custom Agents
£20,000
One workflow built into your systems and put into controlled use.
- One workflow, such as onboarding file preparation or complaint case summaries
- Integration with your systems and data sources
- Approval rules written down per action
- Training for the people who use it
- Measured against a baseline
- 60-day post-launch support
AI Accelerator
From £10,000 per month
One department at a time, in a twelve-month programme that moves a team into controlled production each quarter.
- Committed a quarter at a time
- Two production agents per wave
- Baseline, measurement and a monthly review
- Model and platform usage billed separately
Implementation expertise that drives adoption
An in-house engineering team that has delivered more than 300 technology projects. Work with engineers who have built this before.
300+HubSpot implementations, firm-wide
In-house engineering team.
Agents and integrations designed, tested and shipped by our own engineers. Nothing is subcontracted.
OpenAI Select Partner, Certified in the Claude Partner Network
SpotDev is an OpenAI Select Partner and is Certified in the Claude Partner Network, alongside HubSpot Diamond status and Custom Integration and Onboarding accreditations.
Model chosen for the job.
Honest evaluation of the right model for the work. We will say when the answer is the AI you already pay for.
AI with security in mind
- Not trained on by default
- Cyber Essentials Plus
- Built on your infrastructure
- In-house engineers
Common questions
What does it cost?
AI Starter gets a team of up to 15 using AI on their own work for £3,500, set up and trained remotely over four weeks. One workflow built into your systems is a Custom Agents project at £20,000. Running one financial services team as one wave of the AI Accelerator starts at £10,000 per month, committed a quarter at a time. Model and platform usage is billed separately.
Does the FCA have specific rules for AI?
No. The FCA says it does not plan to introduce extra regulations for AI and relies on existing frameworks, naming the Consumer Duty and its accountability rules for senior managers. Your use of AI is judged under the rules you already work to, which is why approval and logging are built into every workflow.
Can it make lending, underwriting or claims decisions?
We do not build it to. Under UK GDPR, as amended by the Data (Use and Access) Act 2025, a solely automated decision with a legal or similarly significant effect needs safeguards, including the right to obtain human intervention and to contest the decision. Our builds prepare the file and the reasons, and a person in your team decides.
Who is accountable if it gets something wrong?
Your firm and the senior manager who owns the area, as now. The system prepares, a named person approves, and the log shows who decided what and on which evidence.
How does this fit our outsourcing and third-party rules?
An AI vendor is a third party, and FCA rules say a firm that outsources critical or important operational functions remains fully responsible for its obligations. Banks, building societies and Solvency II insurers also work to the PRA's SS2/21, and firms in scope of the operational resilience rules map their important business services. From 18 March 2027, firms in scope of the new FCA rules must notify material third party arrangements and keep a register of them. We give your team the facts it needs to decide whether an arrangement is material.
Is it safe to put customer data into AI?
On their business plans, Anthropic and OpenAI do not train their models on your content by default. We give each workflow access to only the data it needs, keep anything that does not need to go in out of the system, log every action, and set out the position for your chosen vendor in writing for your data protection impact assessment.
Will it work with the systems we already run?
Usually. Salesforce, Dynamics 365, SharePoint and DocuSign are already in our integration library, and we check what your broker, adviser or lending platform allows before committing to anything. What each supports depends on your edition.
How accurate is it?
We will not quote a percentage we have not measured on your own data. Accuracy is established against your past cases during the build, and the approval step exists because it will never be perfect.
Are you giving us legal or regulatory advice?
No. We give no legal, regulatory, financial or compliance advice. We build the controls, logs and approval steps, and your advisers and compliance team rule on your obligations.
Start with a diagnostic.
A short, fixed-scope assessment of which financial services workflows are worth automating, which are not, and where the approval line has to sit. No obligation.
Related:
SpotDev is an OpenAI Select Partner and a HubSpot Diamond Solutions Partner, and is Certified in the Claude Partner Network. SpotDev is a separate company from OpenAI and from Anthropic, and partner status does not constitute endorsement of SpotDev by OpenAI or by Anthropic. OpenAI and ChatGPT are trademarks of OpenAI. Claude is a trademark of Anthropic, PBC. HubSpot is a trademark of HubSpot, Inc.