Personal Account Dealing
Secure, AI-powered PAD compliance. Personal account dealing regulations exist to prevent market abuse and conflicts of interest — but managing declarations, pre-clearance requests, and monitoring across your workforce is a significant administrative challenge. Ruleguard automates the full PAD lifecycle with the precision, confidentiality, and traceability that this sensitive area demands.
TRUSTED BY LEADING FINANCIAL INSTITUTIONS
The Challenge
PAD compliance shouldn't rely on manual processes
Regulators require firms to maintain personal account dealing policies, collect declarations from relevant staff, manage pre-clearance requests, and monitor for breaches. The volume of declarations and the sensitivity of the data make this a process that demands rigour and confidentiality. Most firms manage this through email declarations, manual approval workflows, and spreadsheet registers.
-Jun-22-2026-09-23-28-2743-AM.svg){kind=small}
High volume of declarations
collecting and processing PAD declarations from across the workforce, particularly during peak trading periods
Learn More
Pre-clearance delays
manual approval workflows that slow down legitimate trading activity and frustrate employees
Learn More
Monitoring complexity
detecting potential breaches or patterns across a large volume of declared transactions
Learn More
Confidentiality concerns
managing sensitive personal financial data through insecure channels like email
Learn More
The Solution
Fast, confidential, and fully traceable PAD management
Ruleguard provides a secure, end-to-end PAD management solution — confidential declaration portal, automated pre-clearance workflows, policy-based screening, and a complete audit trail. Employees get fast turnaround on legitimate requests. Compliance gets systematic oversight without manual processing bottlenecks.
Secure declaration portal
Employees submit PAD declarations through a confidential, secure portal. Structured forms ensure complete information capture while protecting sensitive personal financial data from exposure through email or shared documents.
Automated pre-clearance workflows
Pre-clearance requests are routed to compliance, checked against policy rules, and returned with decisions rapidly. Configurable workflows handle different instrument types, holding periods, and approval requirements without manual case-by-case processing.
AI-driven breach detection
Declared transactions are screened against your PAD policy — flagging potential breaches, restricted securities, and holding period violations for compliance review. Systematic screening replaces manual spot-checking.
Confidential PAD register
Every declaration, pre-clearance decision, and monitoring outcome in one secure, searchable register with strict access controls. The platform maintains confidentiality while providing compliance with the oversight they need.
Governance
Human-in-the-loop governance
PAD compliance involves sensitive personal data and market abuse prevention — the right balance of automation and human review is critical:
Full Review
Every pre-clearance request reviewed by a compliance officer before approval. Essential for investment professionals, restricted persons, and periods around price-sensitive information.
Learn More
Exception-based
Routine declarations (e.g. ISA contributions, index fund purchases) processed automatically; only requests involving restricted securities, unusual volumes, or blackout periods escalated.
Learn More
Autonomous
Declaration intake, holding period tracking, and periodic attestation scheduling handled by the platform with strict access controls.
Learn More
Built for Regulated Firms
Enterprise-grade compliance
Ruleguard is built to the standards financial regulators and auditors expect — not retrofitted to meet them.
