Pivotal Group is rolling out an AI-powered compliance system across its mortgage services arm in a move the firm says will allow advisers to carry out near-instant, audit-ready client file reviews at scale.
The project is being delivered in partnership with Curvestone AI, whose automation platform is already used in several regulated industries. Pivotal is among the first UK financial services groups to apply the technology to full suitability and compliance reviews, shifting from the long-standing model of assessing only a small sample of cases towards checking every client file.
The rollout is being introduced in two stages and will support Pivotal’s 20 specialist advice teams.
According to the company, the technology will reduce the time required for compliance checks from hours to minutes, addressing a long-standing bottleneck for advice firms seeking to evidence consistent standards and improved outcomes.
The system integrates directly with Pivotal’s Pulse platform and works alongside tools such as Finova’s Broker CRM. Advisers receive real-time feedback on missing information, inaccuracies or inconsistencies, while the process runs in the background so it does not interrupt existing workflows.
The firm said the approach would ease the workload on its compliance teams and improve the experience for its adviser network.
The two-stage framework built into Pulse aims first to give advisers early insights to help ensure the best client outcomes, before moving into a deeper review of suitability and regulatory compliance.
Pivotal said the intention is to create a smoother experience for clients and make better use of specialist expertise across the business.
“At Pivotal, we’re obsessed with creating a better client experience,” said Mayank Prakash CBE, group CEO of Pivotal.
“We are tackling challenges that others see as inevitable to raise UK advice market standards as every client deserves the best outcome. Auditable AI solutions are built into our next generation Pulse platform to enhance the quality, speed, and consistency of the client experience.
“As a people first business, I am delighted that this will free our advisers to focus on what matters most: helping our clients achieve their financial goals.”
Dawid Kotur, CEO of Curvestone AI, said Pivotal had challenged the firm to develop a more advanced solution than the basic document checks currently being tested elsewhere in the market.
“While most firms in this market are still experimenting with basic document presence checks, Pivotal’s team challenged us to build something far more sophisticated: comprehensive, multi-layered compliance reviews with the depth and accuracy that regulators require.
“They understood that AI’s real value isn’t in doing genuinely complex, high-stakes processes possible at scale,” he said.
Kotur added that regulatory expectations are likely to rise as AI becomes more widely adopted across financial services. “The FCA already encourages responsible AI adoption – it’s only a matter of time before they expect firms to demonstrate significantly more than the current industry standard of just a sample of cases being reviewed in depth.
“Pivotal is positioning themselves ahead of this change.”
Curvestone AI said its platform is designed to maintain accuracy across multi-step workflows, addressing what it calls the “compound error problem” that can affect document-heavy processes. The system can be configured to match any compliance checklist in a few days and includes secure data environments, ongoing monitoring and full CRM integration.
In addition to compliance checking, Curvestone’s platform can also support website and financial promotions monitoring, protection checks and other regulated workflows from a single system.
