Compliance monitoring cycle

Obligations are risk-rated through the CRA. Residual risk drives where controls, monitoring tests, findings and board reporting focus their effort. The cycle closes when test results feed back into the next reassessment.

  1. Obligations—
  2. RCSA45/50 submitted
  3. CRA20 accepted
  4. Controls—
  5. Monitoring—
  6. Findings—
  7. Governance—
All RCSA cycles

H1 2026 (Sample)

AR
Obligation × Control — first-line ratings

H1 2026 (Sample)

Each row is one control mapped to one obligation. The control owner rates design (is the control set up to work?) and operating (is it working in practice?) on a 1–4 scale, with commentary and an evidence pointer. Compliance then accepts or challenges each rating. Accepted ratings flow through to the CRA as control-effectiveness inputs.

Assessments
50
Submitted
45/50
Accepted (2LoD)
20
Under challenge
10
Challenge notes
2

Self-assessments · 50

  • b66bf965-c498-4808-8e0a-1830745fe8ed
    SEED-CDD-001 · SEED-CTL-0001
    Customer Due Diligence · Customer Identification & Verification: Onboarding CDD checklist completed
    Design
    4/4
    Operating
    3/4
    Self rating
    4/4
    Review
    accepted
  • fb7aebf2-18e3-4f14-a0be-402257700905
    SEED-CDD-002 · SEED-CTL-0004
    Customer Due Diligence · Beneficial Ownership: Onboarding CDD checklist completed
    Design
    3/4
    Operating
    4/4
    Self rating
    3/4
    Review
    accepted
  • ed63130d-7892-474e-9705-cda0e3ed0be8
    SEED-CDD-003 · SEED-CTL-0007
    Customer Due Diligence · Source of Funds & Wealth: Onboarding CDD checklist completed
    Design
    4/4
    Operating
    3/4
    Self rating
    4/4
    Review
    accepted
  • 1b3fb537-6ca8-4e7f-a852-a0621a6a65cf
    SEED-CDD-004 · SEED-CTL-0010
    Customer Due Diligence · Enhanced Due Diligence: Onboarding CDD checklist completed
    Design
    3/4
    Operating
    4/4
    Self rating
    3/4
    Review
    accepted
  • 82de99e6-5218-4891-8aa7-291692bb4d85
    SEED-CDD-005 · SEED-CTL-0013
    Customer Due Diligence · Ongoing Monitoring: Onboarding CDD checklist completed
    Design
    3/4
    Operating
    3/4
    Self rating
    3/4
    Review
    pending
  • 807cd949-ab74-4e86-8e53-7aa702fe19a0
    SEED-CDD-006 · SEED-CTL-0016
    Customer Due Diligence · Periodic Review: Onboarding CDD checklist completed
    Design
    3/4
    Operating
    3/4
    Self rating
    3/4
    Review
    pending
  • 8c7cae47-807e-45b0-8496-3e6c452064be
    SEED-CDD-007 · SEED-CTL-0019
    Customer Due Diligence · Reliance on Third Parties: Onboarding CDD checklist completed
    Design
    3/4
    Operating
    3/4
    Self rating
    3/4
    Review
    pending
  • bcc18036-f439-4843-9fdc-23a7d702198d
    SEED-CDD-009 · SEED-CTL-0001
    Customer Due Diligence · Customer Identification & Verification: Onboarding CDD checklist completed
    Design
    2/4
    Operating
    2/4
    Self rating
    2/4
    Review
    challenged
  • 3f6a16ed-e754-48d4-8981-18222fe1ebb2
    SEED-CDD-010 · SEED-CTL-0004
    Customer Due Diligence · Beneficial Ownership: Onboarding CDD checklist completed
    Design
    —
    Operating
    —
    Self rating
    —
    Review
    Not started
  • e8ffc948-238a-4eac-aacc-686f485e0a79
    SEED-CDD-011 · SEED-CTL-0007
    Customer Due Diligence · Source of Funds & Wealth: Onboarding CDD checklist completed
    Design
    4/4
    Operating
    3/4
    Self rating
    4/4
    Review
    accepted
  • 98aaa97b-1fa6-4a07-b809-2169871bda71
    SEED-CDD-012 · SEED-CTL-0010
    Customer Due Diligence · Enhanced Due Diligence: Onboarding CDD checklist completed
    Design
    3/4
    Operating
    4/4
    Self rating
    3/4
    Review
    accepted
  • d1e70036-6253-4a31-894d-2f83be4046d1
    SEED-CDD-013 · SEED-CTL-0013
    Customer Due Diligence · Ongoing Monitoring: Onboarding CDD checklist completed
    Design
    4/4
    Operating
    3/4
    Self rating
    4/4
    Review
    accepted
  • f30296b6-4598-4c18-bf94-404ffb9e1d88
    SEED-CDD-014 · SEED-CTL-0016
    Customer Due Diligence · Periodic Review: Onboarding CDD checklist completed
    Design
    3/4
    Operating
    4/4
    Self rating
    3/4
    Review
    accepted
  • b0e931b2-86e7-4237-86b2-d91d67938ee5
    SEED-CDD-015 · SEED-CTL-0019
    Customer Due Diligence · Reliance on Third Parties: Onboarding CDD checklist completed
    Design
    3/4
    Operating
    3/4
    Self rating
    3/4
    Review
    pending
  • 244f48aa-9fc9-40ea-b688-c61e3b5b9f1c
    SEED-CDD-016 · SEED-CTL-0022
    Customer Due Diligence · Trust & Foundation Structures: Onboarding CDD checklist completed
    Design
    3/4
    Operating
    3/4
    Self rating
    3/4
    Review
    pending
  • 584bffd8-9bfe-4ca8-97fc-f211c9765198
    SEED-CDD-017 · SEED-CTL-0001
    Customer Due Diligence · Customer Identification & Verification: Onboarding CDD checklist completed
    Design
    3/4
    Operating
    3/4
    Self rating
    3/4
    Review
    pending
  • 595c06d5-49e6-4213-b110-84ff28b9ae56
    SEED-CDD-018 · SEED-CTL-0004
    Customer Due Diligence · Beneficial Ownership: Onboarding CDD checklist completed
    Design
    2/4
    Operating
    2/4
    Self rating
    2/4
    Review
    challenged
  • 030ba884-b236-4521-bebb-df9796f439f3
    SEED-CDD-019 · SEED-CTL-0007
    Customer Due Diligence · Source of Funds & Wealth: Onboarding CDD checklist completed
    Design
    2/4
    Operating
    2/4
    Self rating
    2/4
    Review
    challenged
  • 9d0fbb0a-edcb-47c1-9b58-890f625aac6a
    SEED-CDD-020 · SEED-CTL-0010
    Customer Due Diligence · Enhanced Due Diligence: Onboarding CDD checklist completed
    Design
    —
    Operating
    —
    Self rating
    —
    Review
    Not started
  • 35df40da-6197-4372-9168-626bf1e1eac5
    SEED-CDD-021 · SEED-CTL-0013
    Customer Due Diligence · Ongoing Monitoring: Onboarding CDD checklist completed
    Design
    4/4
    Operating
    3/4
    Self rating
    4/4
    Review
    accepted
  • 2648e36a-6155-4b16-a72c-fe28a067d778
    SEED-CDD-022 · SEED-CTL-0016
    Customer Due Diligence · Periodic Review: Onboarding CDD checklist completed
    Design
    3/4
    Operating
    4/4
    Self rating
    3/4
    Review
    accepted
  • e678f21a-4d4d-437a-b947-a1e9b8d4deb9
    SEED-CDD-023 · SEED-CTL-0019
    Customer Due Diligence · Reliance on Third Parties: Onboarding CDD checklist completed
    Design
    4/4
    Operating
    3/4
    Self rating
    4/4
    Review
    accepted
  • 5596f0bf-b1ac-4175-80c9-c0a3344cafc5
    SEED-CDD-024 · SEED-CTL-0022
    Customer Due Diligence · Trust & Foundation Structures: Onboarding CDD checklist completed
    Design
    3/4
    Operating
    4/4
    Self rating
    3/4
    Review
    accepted
  • cb6922cf-c473-4a05-ab8c-bbde32748c14
    SEED-CDD-025 · SEED-CTL-0001
    Customer Due Diligence · Customer Identification & Verification: Onboarding CDD checklist completed
    Design
    3/4
    Operating
    3/4
    Self rating
    3/4
    Review
    pending
  • c0544b0f-267f-4d75-a418-2d425be434b9
    SEED-CDD-026 · SEED-CTL-0004
    Customer Due Diligence · Beneficial Ownership: Onboarding CDD checklist completed
    Design
    3/4
    Operating
    3/4
    Self rating
    3/4
    Review
    pending
  • 1332ec12-fa85-4322-b3a7-68bb6dd5641e
    SEED-CDD-027 · SEED-CTL-0007
    Customer Due Diligence · Source of Funds & Wealth: Onboarding CDD checklist completed
    Design
    3/4
    Operating
    3/4
    Self rating
    3/4
    Review
    pending
  • 833977db-ed15-422c-8b49-fb7527776f56
    SEED-CDD-028 · SEED-CTL-0010
    Customer Due Diligence · Enhanced Due Diligence: Onboarding CDD checklist completed
    Design
    2/4
    Operating
    2/4
    Self rating
    2/4
    Review
    challenged
  • efaf42e4-6c87-41c8-b731-d3ca10681866
    SEED-CDD-029 · SEED-CTL-0013
    Customer Due Diligence · Ongoing Monitoring: Onboarding CDD checklist completed
    Design
    2/4
    Operating
    2/4
    Self rating
    2/4
    Review
    challenged
  • 28498432-494f-4d11-bcfa-d1f4d3a419c7
    SEED-CDD-030 · SEED-CTL-0016
    Customer Due Diligence · Periodic Review: Onboarding CDD checklist completed
    Design
    —
    Operating
    —
    Self rating
    —
    Review
    Not started
  • 04c12fd5-18e7-4284-9683-0b1954aada78
    SEED-CDD-031 · SEED-CTL-0019
    Customer Due Diligence · Reliance on Third Parties: Onboarding CDD checklist completed
    Design
    4/4
    Operating
    3/4
    Self rating
    4/4
    Review
    accepted
  • 485d5d1b-7983-4b89-a687-b9823ddef618
    SEED-CDD-032 · SEED-CTL-0022
    Customer Due Diligence · Trust & Foundation Structures: Onboarding CDD checklist completed
    Design
    3/4
    Operating
    4/4
    Self rating
    3/4
    Review
    accepted
  • 6a71e722-5f1f-4de9-a863-b5673380161f
    SEED-CDD-033 · SEED-CTL-0001
    Customer Due Diligence · Customer Identification & Verification: Onboarding CDD checklist completed
    Design
    4/4
    Operating
    3/4
    Self rating
    4/4
    Review
    accepted
  • e6e07eb6-fe1d-4f9a-8409-ae0280dea327
    SEED-CDD-034 · SEED-CTL-0004
    Customer Due Diligence · Beneficial Ownership: Onboarding CDD checklist completed
    Design
    3/4
    Operating
    4/4
    Self rating
    3/4
    Review
    accepted
  • 25af4dab-a088-4576-b807-dc578f43b7fe
    SEED-CDD-035 · SEED-CTL-0007
    Customer Due Diligence · Source of Funds & Wealth: Onboarding CDD checklist completed
    Design
    3/4
    Operating
    3/4
    Self rating
    3/4
    Review
    pending
  • e266af8f-c354-4906-9429-3d35c1d6ae0a
    SEED-CDD-036 · SEED-CTL-0010
    Customer Due Diligence · Enhanced Due Diligence: Onboarding CDD checklist completed
    Design
    3/4
    Operating
    3/4
    Self rating
    3/4
    Review
    pending
  • 9670bbcd-4164-4be4-914e-2648461bf2af
    SEED-CDD-037 · SEED-CTL-0013
    Customer Due Diligence · Ongoing Monitoring: Onboarding CDD checklist completed
    Design
    3/4
    Operating
    3/4
    Self rating
    3/4
    Review
    pending
  • 60147b8a-2307-4f06-8e69-39e6f5531c0a
    SEED-CDD-038 · SEED-CTL-0016
    Customer Due Diligence · Periodic Review: Onboarding CDD checklist completed
    Design
    2/4
    Operating
    2/4
    Self rating
    2/4
    Review
    challenged
  • 0ea0dfc9-ea8b-4d74-a2e6-2a4ec449568b
    SEED-CDD-039 · SEED-CTL-0019
    Customer Due Diligence · Reliance on Third Parties: Onboarding CDD checklist completed
    Design
    2/4
    Operating
    2/4
    Self rating
    2/4
    Review
    challenged
  • ef60e285-4910-4a1b-9667-22db6f28f244
    SEED-CDD-040 · SEED-CTL-0022
    Customer Due Diligence · Trust & Foundation Structures: Onboarding CDD checklist completed
    Design
    —
    Operating
    —
    Self rating
    —
    Review
    Not started
  • 627cdc6d-ef02-4744-947c-0ac399eba7f5
    SEED-CDD-041 · SEED-CTL-0001
    Customer Due Diligence · Customer Identification & Verification: Onboarding CDD checklist completed
    Design
    4/4
    Operating
    3/4
    Self rating
    4/4
    Review
    accepted
  • 27c8f422-5661-413f-8215-5786de4af8fd
    SEED-CDD-042 · SEED-CTL-0004
    Customer Due Diligence · Beneficial Ownership: Onboarding CDD checklist completed
    Design
    3/4
    Operating
    4/4
    Self rating
    3/4
    Review
    accepted
  • a6ef8c62-b6e8-4f59-9c50-5d45146afcc9
    SEED-CDD-043 · SEED-CTL-0007
    Customer Due Diligence · Source of Funds & Wealth: Onboarding CDD checklist completed
    Design
    4/4
    Operating
    3/4
    Self rating
    4/4
    Review
    accepted
  • 888866f2-70a9-43b3-b515-463a674ef8f6
    SEED-CDD-044 · SEED-CTL-0010
    Customer Due Diligence · Enhanced Due Diligence: Onboarding CDD checklist completed
    Design
    3/4
    Operating
    4/4
    Self rating
    3/4
    Review
    accepted
  • 3365b4f7-73cc-4969-bd0b-eb91ec7f7e7c
    SEED-CDD-045 · SEED-CTL-0013
    Customer Due Diligence · Ongoing Monitoring: Onboarding CDD checklist completed
    Design
    3/4
    Operating
    3/4
    Self rating
    3/4
    Review
    pending
  • 5ea459ac-c13b-405a-8def-84656027d9d2
    SEED-CDD-046 · SEED-CTL-0016
    Customer Due Diligence · Periodic Review: Onboarding CDD checklist completed
    Design
    3/4
    Operating
    3/4
    Self rating
    3/4
    Review
    pending
  • dfde418b-02a2-483c-a4e0-fe06fac3ed32
    SEED-CDD-047 · SEED-CTL-0019
    Customer Due Diligence · Reliance on Third Parties: Onboarding CDD checklist completed
    Design
    3/4
    Operating
    3/4
    Self rating
    3/4
    Review
    pending
  • 0d8ff3f0-7036-47df-8f0d-83fd9404f03b
    SEED-CDD-048 · SEED-CTL-0022
    Customer Due Diligence · Trust & Foundation Structures: Onboarding CDD checklist completed
    Design
    2/4
    Operating
    2/4
    Self rating
    2/4
    Review
    challenged
  • 4b5cf834-1e86-4b48-9184-5371a127def7
    SEED-CDD-049 · SEED-CTL-0001
    Customer Due Diligence · Customer Identification & Verification: Onboarding CDD checklist completed
    Design
    2/4
    Operating
    2/4
    Self rating
    2/4
    Review
    challenged
  • 237643ef-b6b1-4b8e-b251-54e9eefa1230
    SEED-CDD-050 · SEED-CTL-0004
    Customer Due Diligence · Beneficial Ownership: Onboarding CDD checklist completed
    Design
    —
    Operating
    —
    Self rating
    —
    Review
    Not started
  • 1c0f5ec7-3ca9-43a2-a451-fe5474c90a99
    SEED-CDD-008 · SEED-CTL-0022
    Customer Due Diligence · Trust & Foundation Structures: Onboarding CDD checklist completed
    Design
    2/4
    Operating
    2/4
    Self rating
    2/4
    Review
    challenged