Demo · Compliance monitoring cycle

The whole cycle,
one continuous loop.

From the business-risk assessment your board approves to the annual attestation they sign — walked as one connected record, not seven disconnected spreadsheets.

BRACRACMP planFieldworkFindingsBoardAnnual effectiveness
01

Business Risk Assessment (BRA)

/risk/compliance/braJFSC AML/CFT/CPF Handbook §2
Business lineTrust & fiduciary — Jersey
Inherent riskHigh (customer base, geography, products)
Board approved2026-01-14
Next review2026-12
BRA register · Snapshot 2026-Q1 · refreshed 188d ago

Why this matters: The BRA is where the board takes a position on the firm's inherent exposure. Every downstream artefact points back at it.

Ownershipboard-approved
02

Compliance Risk Assessment (CRA) — residual after controls

/risk/compliance · domain rollupResidual = inherent − control effectiveness
AMLhigh
Sanctionshigh
Conductmed
Data protectionmed
Outsourcinglow

Why this matters: Residual is the routing engine. Change a residual, and cadence, sample sizes, triage tier and board depth all rebalance below.

Progressdrives everything below
03

Compliance Monitoring Programme (CMP) plan

/monitoring · Plan Q3 2026Cadence derived from residual
AMLMonthly60-sample
SanctionsMonthly60-sample
ConductQuarterly30-sample
Data protectionQuarterly30-sample
OutsourcingSemi-annual15-sample

Why this matters: The plan isn't authored in Excel. It's a projection of the CRA — change once, refresh everywhere.

Evidencecadence traceable to residual
04

Fieldwork — sample drawn, evidence captured

/tests · TST-AML-Q3-2026Deterministic sample
Population1,842 client files · hash 8a3f…c1d2
Sample60 files · seed 2026-07-01T00:00
Evidence attached60 / 60 · every file hashed on upload
ReviewerA. Renouf (2L)
Populations register · Snapshot 2026-07-01 · refreshed 20d ago

Why this matters: The sample selected in 2026 will select the same 60 rows if replayed in 2030. Reviewers stop arguing about "how did you pick these?".

Evidencereproducible sample
05

Findings & issues — triage, ownership, clock

/findings · queuePriority = residual × severity
Drafted by Compass · awaiting review
P1 · this week
3
P2 · this sprint
7
P3 · this quarter
11

Ownership filterName the human who carries this from here. 'The team' is not a name.

Why this matters: A finding without a named owner doesn't move. A finding without a date is a report, not a plan.

Ownershipnamed carrier
06

Attestation & board pack

/governance/board-pack · Q3 2026Hash-chained
Snapshot2026-Q3 · frozen
Assembled fromCRA · CMP · findings · MLRO activity · breach register
Attested byCCO · MLCO · MLRO · 2026-10-06
Chaine2a4…7710 → 91c0…88bd
Board pack composer · Q3 2026 · refreshed just now

Why this matters: The board pack isn't authored — it's assembled from the same records the team worked from all quarter. One version, no drift.

Trustwould you sign this?
07

Annual effectiveness — the loop closes

/effectiveness-review · 2026JFSC Code Principle 3
Cycles reviewed4 quarters
Residual deltas fed back12 domains re-scored
Annual attestationSigned by the board 2026-12-09
Chainverifiable at /verify — no login

Why this matters: The Code asks the board to satisfy itself, at least annually, that compliance risk has been effectively managed. RegAlign writes that attestation from the year's actual record — no separate paper trail.

Progressloop closes, next cycle armed
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