Compliance officer
- Open items across every Client file, in one view
- Every override with its mandatory reason
OutcomeSupervision of every file, not a sample.
[00] Use case 06 / 06 · SupervisionSynthetic data throughout
Supervise the files, not the people.
Supervision gives the Head of Compliance and the Head of Relationship Management one view of every Client file and firm obligation: open suitability items, reviews due, held drafts and overrides, each with the message, the rule and the decision behind it. It supervises files and obligations. No Relationship Manager score is displayed.
The case, in four factsSupervision
- TriggerOpen items on Client files: suitability checks, reviews due, held drafts, overrides
- ShowsEach item with its source, the rule that applied and the decision taken
- ReturnsA follow-up Task, routed by the supervisor
- DecidesThe supervisor; Luscent never decides on their behalf
One finding, one decision at a time.
Findings · resolve top-down
Suitability Gate · REB-2041Mandate v3.2 §6
Mandate renewal reviewOverdue
Cross-border · PROP-0113Not evaluated
| Leg · instrument | Verdict |
|---|---|
| T1European equities fund | Queued |
| T2US equities fund | Queued |
| T3Capital-protected note | Queued |
| T4EM sovereign bond fund | Queued |
| T5EUR money market fund | Queued |
REB-2041, drafted by Anne Keller. Equities at 52,0 % against a 45,0 % target. Five trades, checked against Mandate v3.2 and the strictest jurisdiction that applies. Nothing has been sent.
Run the gate
Step 1 of 5: Every file, already on the record
[01] The storyToday · the moment · with Luscent
From a sample to every file.
Supervision gives the compliance function one view of Client files and firm obligations: what is open, what is overdue and what was overridden, with the record behind each item. It supervises files, never the person.
- 01 · Today
Supervision reads a sample, weeks later.
A reviewer pulls a handful of files after the fact. What happened in the rest of the book is known only when something goes wrong.
- 02 · The moment
Every open item, as it arises.
Suitability items, reviews due, held drafts and overrides arrive in one view for the compliance function, each with the record behind it.
- 03 · With Luscent
The files are supervised. The people are not scored.
The supervisor routes the follow-up and the decision is kept. No score, rank or trend about a Relationship Manager is displayed anywhere.
[02] Who gets whatFour seats
One workflow,four people who stop chasing it.
Head of relationship management
- What is open in each book, grouped for navigation only
- Follow-ups routed as Tasks, with the file attached
OutcomeObligations met before they are overdue.
Relationship manager
- No score, rank or trend about you, anywhere in the product
- Follow-ups that arrive with the file and the reason
OutcomeSupervised files, not a supervised person.
Management
- Firm-level rates, never per-person ones
- A record that stands up to a review
OutcomeOversight the firm can show.
[03] The business caseSame model as the full estimate
Supervision that reads every file, not a sample.
Supervision works on compliance effort: open items are found as they arise instead of in a periodic sample. Luscent does not put a figure on it here; the estimator on /pricing works from your own numbers.
- 01Open items on every Client file, as they arise
- 02Every override kept with its reason
- 03Follow-ups routed and recorded, not remembered
- PilotMeasured on your own book in the pilot, against success metrics agreed in writing before anything is connected.
Estimate · your firmModelled, not measured
Your firm
Compliance effort
195.840 EUR a year
40 % of the compliance effort addressed
- Hours returned
- 2.304 h a year
- Per relationship manager
- 192 h a year
The working
12 relationship managers × 10 h a week × 48 weeks × 85 EUR an hour × 40 % of the effort addressed. The same model and assumptions as the estimate on the pricing page. Modelled from time-and-motion assumptions, not measured client results.
[04] BoundariesAnd how AI is used here
What it always does,and what it never does.
Always
- Supervises Client files and firm obligations
- Shows the source behind every item
- Keeps every override with its reason
- Reports rates at firm level only
Never
- Displays a score, rank or trend for a Relationship Manager
- Turns grouping by book into a view of a person
- Decides on the supervisor's behalf
How AI is used · Reads
Language models read Client communications for the Signals that feed the view, with identifiers anonymised before every call.
How AI is used · Decides
Compliance outcomes come from the deterministic rules engine. The supervisor decides the follow-up.
How AI is used · On the record
Every item, override and decision is kept in the Audit Trail, viewable as of any date.
The EU AI Act's Article 50 transparency obligations applied on 2 August 2026. Luscent's documented position is available on request. Where AI reads, and who decides
[05] The ruleOur reading, not legal advice
Our reading of Commission Delegated Regulation (EU) 2017/565, Article 22(2)(a)
“to monitor on a permanent basis and to assess, on a regular basis, the adequacy and effectiveness of the measures, policies and procedures”
Supervision gives the compliance function a standing view of the files those measures produce, instead of a sample read weeks later.
Our reading, not legal advice. The rules engine applies the firm's own configuration of these rules, and the relationship manager decides.
[06] QuestionsAsked before signature
Questions.
Does Supervision score Relationship Managers?
No. It supervises Client files and firm obligations. No Relationship Manager score, rank or trend is displayed, and grouping by book is for navigation only.
Who can open Supervision?
The supervisor roles your firm assigns, such as the Head of Compliance and the Head of Relationship Management. Relationship Managers do not see it.
How are overrides handled?
Every override carries a mandatory reason, the reason is kept on the record, and rates are reported at firm level only.
[07] The same LoopRecord · Understand · Explain · Decide · Prove
Five more triggers,one way of working.
Use case 01 · Suitability Gate
Every trade checked before the advice leaves.
Before a relationship manager sends a rebalance, Luscent checks each trade against the mandate and the strictest jurisdiction, and names the smallest fix.
See it run →Use case 02 · Comms to ComplianceAn email changes the client. The advice waits.
When a client email says their circumstances changed, Luscent reads the change, holds the advice that relied on the old picture, and opens a reassessment.
See it run →Use case 03 · Cross-BorderTwo rulebooks. One household. One defensible answer.
A household booked in Luxembourg and São Paulo sits under MiFID II and CVM at once. Luscent evaluates one action under both and shows a path to proceed.
See it run →Use case 04 · Relationship DriftRelationships rarely end loudly. They drift.
When a client relationship slips, Luscent shows it in the Health Score, links the messages behind it and lists the next conversation for the relationship manager.
See it run →Use case 05 · Liquidity EventNew money is announced in passing. Plan it before it lands.
When a client mentions new money, Luscent raises it as a Signal with its source, matches products to what they said and holds them until suitability is checked.
See it run →The pilotCohort open
Find out before you move a single client record.
Ninety days, at no cost, with three to five relationship managers, starting on invented clients. Success metrics are agreed in writing before anything is connected, so at the end there is a decision rather than an impression.
The terms
- Length
- 90 days
- Cost
- Nothing
- Seats
- 3 to 5 relationship managers
- Data
- Synthetic first
- Client data
- Stays in the EU
- Migration
- None
- DAY 0Metrics agreed, in writing
- ConnectWeek 1 to 4
- WEEK 4The book, ranked
- First Signal acted onWeek 5 to 8
- WEEK 8A decision on the record
- ReviewWeek 9 to 13
- DAY 90Written review