File reviews for UK advice firms
Every advice file,
checked properly.
Protection, mortgage, investment and pension files checked in full, with the call or meeting behind them. Graded A–D with an advice verdict, then handed to your compliance team to sign off.
- Your checking ratio, your choice
- About 3 minutes a file
- Your people sign off
Example checks on dummy cases
DEMO-0142Decreasing term life · Telephone advice
Checking
Case file
- Fact find
- Research
- Illustration
- Suitability letter
- Application
- Call recording
Fact find
Page 1 of 1
0rules checked
0 findings
Our principle
Scrutti supports your compliance team's judgement. It never replaces it.
Scrutti does the reading, checking and evidencing. Anything that needs judgement goes to a named person in your firm, who confirms the grade and verdict and records why.
- 1Scrutti checks the whole fileDocuments and the conversation, rule by ruleSCRUTTI
- 2It flags what needs judgementVulnerability, suitability doubts, unclear evidenceSCRUTTI
- 3Your reviewer decidesConfirms or changes the grade and verdict, with an audit noteYOUR TEAM
- 4Actions are tracked to closedAdviser acknowledges, submits evidence, compliance closesYOUR TEAM
The problem
File checking hasn't kept up with how advice is given.
Manual checks limit how many files you can review.
Scrutti: check as many files as your policy needs, in minutes each.
The advice happened in the conversation.
Scrutti: calls and meeting notes checked with the file.
Actions get lost in email.
Scrutti: advisers log in to see their feedback, submit evidence and close actions. Compliance sees what's done and what's overdue.
Advice areas
One standard across protection, mortgages, investments and pensions.
Protection
- Needs, budget and existing cover
- Replacements and benefits lost
- Trusts, disclosure and understanding
Mortgages
- Affordability and the lender rationale
- ESIS, fees and early repayment charges
- Client plans against the product chosen
Investments
- Attitude to risk and capacity for loss
- Costs, charges and value
- Ongoing service evidence
Pensions
- Reasons to switch and benefits lost
- Drawdown and sustainable income
- Retirement options explained
Product tour
See Scrutti in under two minutes.
- 0:08Upload the file and the call
- 0:13The check runs, rule by rule
- 0:23Grade, verdict and evidence
- 0:40Your reviewer signs off
- 0:47Remedials, alerts and re-checks
- 1:06Development and coaching
- 1:14MI by date and adviser
- 1:23Branded report packs
A review your compliance lead can sign, and an adviser can act on.
Graded and evidenced
A file grade and an advice verdict. Separately.
- A–D for the file; suitable, unsuitable or unclear for the advice
- Every finding cites its rule, source and evidence
- No black-box scores
Right cover. Understanding and vulnerability not evidenced.
Client understanding not checked before the application.
Client: "That sounds fine." Adviser: "Great, let's do the application now then."
Evidence · Call recording, 12:48
Telephone, video and face to face
It checks the conversation, not just the paperwork.
- Upload the recording: Scrutti transcribes it for you
- Vulnerability disclosed but missing from the file
- Understanding checked before the application
- Click a finding to hear the moment
AdviserAny health conditions, and do you smoke?
ClientI've been really struggling since my dad passed away last month.
AdviserSorry to hear that. I'd recommend decreasing term cover…
Sign-off and remedials
Your people decide. Actions get closed.
- Reviewer confirms grade and verdict with an audit note
- Actions go to the adviser with a due date
- Overdue actions turn red and trigger alerts
- Advisers log in to see their feedback and own actions
Overdue: send corrected suitability letter
Sam Adviser · DEMO-0139 · was due 3 Nov
- OpenRevisit vulnerability with the client12 Nov
- SubmittedRecord trust discussion on file10 Nov
- OverdueSend corrected suitability letter3 Nov
- ClosedAdd expenditure to fact find1 Nov
Ask, fix, re-check
Question any check. Re-check after the fix.
- Ask about a check, answered only from that case's evidence
- Re-check the file once remedials are done
- Both versions kept on record, so you can show the improvement
Ask about DEMO-0142
Re-check after remedials
Re-check once the remedials are done.
Development and coaching
See if coaching is working.
- SMART goals measured automatically on every case checked after the goal is set
- Comments and reflections from adviser and supervisor, with linked cases and call moments
- Coaching log with CPD time for your T&C records, and a prompt when an adviser is ready to be signed off as competent
Check client understanding before applying
On trackOn checked cases
50% · target 90%
Adviser reflection: I've added a recap prompt to my call notes, so it doesn't get skipped when a call runs long.
Oversight
See the whole firm, or one adviser. Report it in one click.
- Filter any view by date range and adviser
- Trends, issue hotspots and checking-ratio gaps, with alerts on what needs attention
- Management, SMF16, Consumer Duty and PI insurer packs with your logo, charts and commentary, plus a File Check Log in Excel with its own dashboard
Checks
48
A or B
71%
Policy met
92%
Overdue
2
Where issues cluster
Fact find
5%
Research
2%
Understanding
25%
Vulnerability
15%
Letter
13%
What needs your attention
Your numbers
What does manual checking cost you?
Your estimates. Nothing is sent anywhere.
18
files to check a month
23 hrs
by hand (£1,013 a month)
≈ 3 min
per check with Scrutti, plus about 10–15 min for your reviewer to sign off a flagged case.
Book a 30-min demo →Reports
Reports you'll be proud to put in front of your directors.
Every check feeds a set of professional packs for your management, your SMF16, your Consumer Duty monitoring and your PI insurer. They're ready in seconds for any period, so nobody spends the last week of the month building MI by hand.
- Your logo, alongside oursEvery pack carries your firm's branding, ready to table at a meeting or send to your insurer.
- Charts, not data dumpsGrade trends, issue hotspots, adviser comparisons and outcome tiles for any date range or adviser.
- Commentary written from your resultsPlain-English findings, what needs attention and recommended actions, set against clear thresholds.
- Built to evidence oversightChallenge questions, a method and limitations page, and a sign-off page to minute.
Example data. Your packs show your firm's logo and results.
See a full Consumer Duty outcomes report
Ten pages on the four outcomes, vulnerable clients, foreseeable harm and actions – built from a fictional firm's example data.
Why firms switch
Manual file checking vs Scrutti.
| Area | Typical manual checking | With Scrutti |
|---|---|---|
| Coverage | Limited by reviewer time | As many files as your checking policy needs |
| The conversation | Calls rarely listened to in full | Calls and meeting notes checked with the file |
| Consistency | Depends on the reviewer and the day | One rulebook, every finding sourced |
| Decisions | Made by your people | Still made by your people, with an audit note |
| Remedials | Emails and spreadsheets | Tracked to closed, with alerts |
| Oversight MI | Built by hand each month | Live dashboards and branded packs, ready in seconds |
Who it's for
Built for the people accountable for advice quality.
"Can we evidence our file checking?"
Brokers, IFAs and wealth firms
Check more files without hiring another file checker.
"Is the new adviser ready?"
Growing firms
100% checking for new advisers, stepped down as they prove competent.
"Are we paying for checks a machine could do?"
Firms with a compliance partner
Your partner reviews the judgement calls, not the basics.
Transparent rulebooks
No black box. Read every rule.
Each rule shows its requirement, source and grading. Every version has a change log. Prefer your own standards? Our bespoke package builds them into your own rulebook.
Browse the rulebooks →| Rule | Requirement | Source | Grading |
|---|---|---|---|
| CD-01 | Client understanding checked before the application | Consumer Duty | Up to C |
| VUL-02 | Disclosed vulnerability explored and recorded | FG21/1 | C + human review |
| MD-07 | Replacement: old and new cover compared | ICOBS | Up to D |
| SL-07 | Clear reasons the recommendation suits the client | ICOBS | Up to D |
| FF-06 | Expenditure recorded | File review standards | Housekeeping |
Security and governance
Built for regulated firms, from day one.
Your client data stays yours. Scrutti processes it to run your checks, under a data processing agreement, and nothing else.
Read the security overview →Access
- Firm isolation
- Adviser privacy
- Roles and 2FA
Accountability
- Human sign-off
- Full audit trail
- Versioned rulebooks
Data
- UK GDPR
- Client files deleted after sign-off
- Never used to train AI
Sample report
Two reports from every check.
A one-page feedback sheet the adviser can act on, and a full compliance record for your file, with every finding, its evidence and the reviewer's sign-off.
One email with the PDFs. No mailing list unless you ask.
Adviser feedback · Protection
Case Feedback Sheet
Adviser
Sam Adviser
Client ref
DEMO-0142
Sale
Telephone
Reviewed
05/11/2026
Right cover for the mortgage, clearly explained and well evidenced.
Next time
Recap the trust discussion in the letter
Tip add a line on why a trust was or wasn't set up
Confirm the review date on the call
Tip agree when you'll next check the cover still fits
What you did well
✓ Health questions asked clearly
✓ Client explained the cover back
From the founder
"I spent years as a Head of Compliance and SMF16 checking files by hand, and we could only ever get to a sample. Scrutti is the reviewer I wanted: thorough on every file, honest about what it found, and always leaving the final call to a person."
Stephen MartinFounder · former Head of Compliance and SMF16
Simple monthly plans. 20% off your first month.
Monthly plan
A set number of checks a month across every advice area you use.
20% off month one
Rolling monthly subscription · no tie-in · cancel any time
- Rolling monthly, no tie-in
- Every feature included
- Unused checks roll over for one month
- Top up any time
Compliance projects
Back-book reviews, thematic reviews and remediation across protection, mortgages, investments and pensions.
Per project
Scoped with you
- Fixed scope and price
- Same rulebooks and reports
Bespoke
Prefer your own standards? We'll build your firm's compliance standards into a bespoke rulebook, checked the same way.
Bespoke package
Built with you in a set-up session
- Your rules, wording and grading
- Same reports, MI and audit trail
FAQ
Questions advice firms ask.
See it on a real-looking case.
A 30-minute demo, then 20% off your first month.