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    Safeguarding & Compliance for E-Money and Payment Firms

    Protecting Customer Funds, Preserving Trust
     
    In today's fast‑evolving payments landscape, safeguarding customer funds is both a regulatory imperative and a reputational cornerstone. With the FCA’s Policy Statement PS25/12 introducing the Supplementary Regime, mandating enhanced record‑keeping, audits, reporting, and resolution packs, e‑money and payment firms must act decisively to stay compliant and build consumer confidence.
     
    Ruleguard’s modular GRC platform helps firms navigate and implement these sweeping regulatory changes swiftly, safeguarding both money and reputation.
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    Ruleguard’s Tailored Solutions for Safeguarding Compliance

    Compliance Monitoring & Reporting
    Track daily reconciliations, monitor fund flows, and manage monthly safeguarding returns to the FCA with automated precision, aligning with new mandates in CASS 15, SUP 3A, and SUP 16.14A.

    Client Assets Compliance & Audit
    Ensure readiness for annual safeguarding audits (with optional exemption for firms holding under £100,000 in relevant funds) through built-in audit readiness, dashboards, and compliance attestation workflows.

    Evidence Management & Resolution Pack Generation
    Centralise essential documentation, account statements, reconciliation logs, third‑party agreements, and contingency plans into a ‘resolution pack,’ ready for regulator or insolvency practitioner review.

    Risk Controls & Third-Party Oversight
    Configure alerts and oversight workflows to manage due diligence for banks, insurers, custodians, and safeguard vendors, ensuring compliance with diversification and contingency planning requirements.

    Governance & Accountability
    Designate a safeguarding lead, assign roles via accountability regimes, and track tasks with evidence trails to meet new FCA governance expectations.

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    Client asset compliance

    With line-by-line rule mapping, secure document storage, built-in attestation management, resolution pack maintenance, and one-click reporting, Ruleguard makes client asset regulatory compliance quick and painless.

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    Client Assurance Portal

    Client assurance

    No more duplication, miscommunication or manual updates. Ruleguard shares critical information with third parties seamlessly and securely, highlighting changes so you're always looking at the latest data.

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    Accountability regime

    Get headache-free accountability. View responsibilities and reporting lines at a glance, streamline due diligence and reporting, and give regulators cold, hard proof of your commitment to high standards of conduct.

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    Operational risk management

    Proactively protect your firm from operational risks. Ruleguard continuously monitors your firm’s asset management regulatory compliance and identifies gaps so nothing falls through the cracks, no matter how busy it gets.

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