Every call reviewed.Every risk evidenced.
COSA is AI call compliance for FCA-regulated advice firms. It transcribes your advice calls, checks every one against the rules your firm is held to, and surfaces the ones that need a second look — with the quote, the verdict and the audit trail ready before anyone asks.
- Live in 2–4 weeks
- Works with your dialler or any recording
- Built for FCA-regulated firms
Call coverage at Compare Retirement
26% → 100%
From manually sampling around a quarter of client calls to reviewing every one — with QA on flagged calls taking minutes, not hours.
Read the Compare Retirement storyWith Dennis Kreijns, DirectorCompliance assessment
Fact Find · 32:14 · Adviser: James Porter
Transcript
6 / 6 segments- 00:42Adviser
Before we start, this call is recorded for training and compliance purposes.
- 03:18Client
It's mainly for the roof, and to help the grandchildren a little.
- 05:26Client
Honestly, I've not slept properly since my husband passed in March.
- 05:41Adviser
I'm sorry to hear that. Let's carry on with the figures.
- 07:48Adviser
Have you had a chance to talk this through with your family?
- 11:05Adviser
Interest rolls up, so the amount you owe grows over time.
- Passed
- 4
- Needs review
- 1
- Failed
- 1
- Total rules
- 6
Detailed rule results
6 rules- Call recording disclosure givenVerbatimPassed
- Vulnerability identified and handledVulnerabilityNeeds review
- Client objectives captured in their wordsNon-verbatimPassed
- Family involvement encouragedNon-verbatimPassed
- Interest roll-up explainedNon-verbatimPassed
- Independent legal advice recommendedVerbatimFailed
Vulnerability identified and handled
Needs reviewAssessment explanation
A bereavement was disclosed at 05:26. The adviser acknowledged it but carried on without checking the client was comfortable to continue.
I've not slept properly since my husband passed in March.
Client · 05:26
Trusted by FCA-regulated advice firms to review every client conversation.
26% → 100%
call coverage after replacing manual sampling with COSA
Compare Retirement
Minutes
to QA a flagged call — not hours of listening end to end
Compare Retirement
2–4 weeks
typical time from kick-off to live on your own calls
COSA onboarding
Every verdict
comes with the quoted evidence, an explanation and a confidence score
How COSA works
The sampling gap
Manual QA hears a handful of calls. Consumer Duty asks about all of them.
Most advice firms can only listen to a small sample of client calls — often well under a quarter. The rest go unheard: the bereavement nobody picked up on, the disclosure that was never read, the client who didn't really understand.
COSA reviews every call in scope and brings the risky moments to you, so your team spends its time on judgement instead of listening.
See what COSA checks100 client calls · 1 month
- Calls reviewed
- 8/100
- Risks surfaced
- 1/8
- Reviewed
- Needs review
- Failed check
- Vulnerability
- Never heard
How it works
From a finished call to a reviewed record — in minutes
Nothing changes in how your advisers work. COSA picks up each call when it ends, and your team sees what needs attention.
Calls
Upload- +44 7700 900412Margaret Hughes32:14Analysing compliance
- +44 7700 900871Peter & Ann Lowe18:02Transcribing audio
- +44 7700 900233David Okafor41:37Processing complete
- +44 7700 900654Unmatched callerShorter than your minimum00:48Not assessed
From your dialler · 4 new calls in the last hour · 1 excluded by your call-selection policy
The platform
Everything your compliance team needs from a call
Built with advice firms, for the way regulated conversations actually happen — and for the people who have to stand behind them.
Your rules
Checked against the rules you're held to
Write rules in plain English and choose how each is judged: exact wording, a topic covered, signs of vulnerability, objection handling or a document cross-check.
Rules
New rule- VerbatimRecording disclosure read to the client
- Non-verbatimInterest roll-up and effect on the estate explained
- VulnerabilitySigns of vulnerability identified and handled
- ObjectionsConcerns about inheritance addressed in substance
- DocumentsFigures discussed match the KFI on file
Vulnerability
Vulnerability, caught in context
COSA listens for health, life events, resilience and capability — and whether the adviser noticed and adapted.
I've not slept properly since my husband passed in March.
Alerts
Failing rules, in the right inbox
Set alerts by rule type, for every adviser or just some. When a rule fails, the people you choose get an email with the rule, a summary and next steps.
- From
- COSA
- To
- compliance@yourfirm.co.uk
- Subject
- Compliance Alert: Verbatim Rule Failed - Margaret Hughes
Compliance Failure Detected
- Agent/Advisor
- James Porter
- Client
- Margaret Hughes
- Rule Type
- Verbatim
- Call Date
- 24/09/2026
Failed rule: Independent legal advice recommended
Recommended next steps
- Contact the client to recommend independent legal advice before anything is signed.
- Cover the requirement with the adviser at their next one-to-one.
Summaries
Summaries and next steps, written for you
Every call gets a summary, key figures and next steps — each marked as quoted from the call or paraphrased.
Call summary
Wants £45k for roof repairs and gifting; prefers no monthly payments.
Next steps
- Send KFI for the drawdown optionAdviserThu 25 SepFrom the call
- Speak to daughter before proceedingClientnext weekFrom the call
Audit-ready
The whole file, on demand
Export a client's reports, transcripts and summaries as a single co-branded pack whenever it's asked for.
client-pack-hughes.zip
14 files · generated 24 Sep 2026
- compliance/6 reports
- transcriptions/4 calls
- summaries/4 summaries
Management information
MI your board will actually read
Compliance rate, outcomes by call type and by adviser, and the rules most often missed — every chart with a table view and filters by period, call type and agent.
Assessments over time
WeekMonthOutcomes by agent
- James Porter88%
- Priya Shah81%
- Tom Fielding72%
COSA Assistant
Ask about any client. Then hear the answer for yourself.
The Assistant answers questions about a client's calls, cites the passage every answer came from, and plays the recording from that moment — so you can check it before you act on it.
- Cited, every time
- Each claim links to the passage it came from, with how closely that passage matched the question.
- Listen to this moment
- Plays the recording from the start of the cited passage and stops at its end — and keeps playing while you work.
- Knows the whole file
- Pulls in the call summary, next steps and compliance results when a question needs them.
What has this client been told about interest roll-up?
On the fact find, James explained that interest rolls up, so the amount Margaret owes grows over time, and that it's repaid from her estate — leaving less to pass on 1. Near the end of the call she put it in her own words: the balance goes up each year because the interest is added on 4. She had asked on the first call whether she could pay some back 3, and James confirmed she can make voluntary repayments to keep the balance down 2.
Cited source
Adviser: “Interest rolls up, so the amount you owe grows over time.”
Loading the interactive demo…
Who it's for
One record of every call, useful to everyone who relies on it
Evidence good outcomes across every conversation — not a sample.
- Every in-scope call assessed against your own rules
- Vulnerability identified, handled, or flagged for review
- Overrides recorded next to the original verdict
- A defensible record of what your monitoring covered
Customer result
26% → 100%
call coverage at Compare Retirement after replacing manual sampling
Customer story · Compare Retirement
Compare Retirement customer story
“With COSA AI, we see the right calls first, evidence Consumer Duty effortlessly, and coach advisers with precision — without slowing the team.”
Dennis Kreijns
Director & Senior Equity Release Adviser, Compare Retirement
Hours per review
Listening end to end, taking notes, relying on memory.
Minutes per flagged call
Reviewers jump straight to the quoted moments that matter.
100% oversight
Every client interaction reviewed, with audit-ready trails.
Consumer Duty
Evidence for the outcomes the FCA asks about
The Consumer Duty expects you to monitor and evidence outcomes across your whole customer base. COSA turns every call into evidence you can point to — measured against the standards your firm sets.
- PRIN 2A
- FG22/5
- FG21/1 vulnerable customers
- SM&CR reasonable steps
- Equity Release Council Standards
Outcome 1
Products & services
Advice anchored to the needs and objectives the client described.
Objectives captured in the client's own words
PassedIt's mainly for the roof, and to help the grandchildren a little.
Outcome 2
Price & value
Fees, charges and long-term costs explained, not assumed.
Interest roll-up explained
PassedInterest rolls up, so the amount you owe grows over time.
Outcome 3
Consumer understanding
Key risks covered, and the client's understanding checked.
Understanding checked in the client's words
PassedCould you tell me in your own words what happens to the balance?
Outcome 4
Consumer support
Signs of vulnerability noticed, and the adviser adapted.
Vulnerability identified and handled
Needs reviewHonestly, I've not slept properly since my husband passed in March.
The cost of sampling
What would it take to hear every call by hand?
Move the sliders to see how many client conversations go unheard today — and what closing the gap manually would cost.
Assumes 30 minutes to review a call by hand and 140 productive QA hours per person each month.
- Client calls nobody hears each year
- 34,200
- QA hours a month to hear them all by hand
- 1,500
- ≈ 10.7 full-time reviewers
Fits how you work
Connects to the systems you already use
COSA only processes calls once they've finished — it can't make, join or interrupt one. Your team keeps working exactly as they do today.
In
- DiallerFinished calls arrive on their own. Choose which lines are monitored.
- UploadMP3, WAV, OGG or WEBM recordings from any other phone or recording system.
- APIScoped keys keep client and document records in step with your systems.
COSA · transcribe · classify · assess · summarise
Out
- CRMCallers matched to clients; call activity and summaries written back to their record.
- AlertsWhen a rule fails, the people you choose get an email with the passage and next steps.
- ExportsPDF reports and transcripts, and a client's whole file as one Client Pack.
Dialler and CRM integrations are set up for the systems your firm uses, and priced separately. Aircall and FLG are supported today.
Security
Built for data you're accountable for
Client conversations are some of the most sensitive data your firm holds. COSA is designed around that.
Your organisation · security
- Access
- Invitation onlyRole-based permissions for admins, supervisors and users.
- Sign-in
- Two-factor authenticationTime-based one-time codes from any authenticator app.
- Data
- Isolated per firmRow-level security keeps each firm's calls and results separate.
- Transport
- Encrypted in transitHTTPS everywhere, with strict transport security.
- Activity
- Audit loggedLogins, uploads, exports and overrides are all recorded.
- Registration
- ICO ZB738672Skynet Solutions Ltd, trading as COSA AI.
COSA supports, not replaces, professional compliance review. Every finding shows the quote and the reasoning, with the call recording on the same page, so it can be verified before action is taken.
Security & trust in detailFAQ
Questions compliance teams ask us
How quickly can we get started?
Most firms are live within 2–4 weeks. We connect your call source, set up your compliance rules with your compliance lead, and tune them on a sample of your own calls before you rely on the results.
Which calls does COSA review?
Every call that matches your call-selection policy — for example, all fact finds and follow-ups over a minimum length. Calls you choose to exclude are still logged with the reason, so you can always show exactly what your monitoring covered.
What does COSA check calls against?
Your own rules, not a generic template. Rules can require exact wording, check that a topic was covered however it was phrased, look for signs of vulnerability, assess objection handling or cross-check what was said against documents. Each rule applies only to the call types you choose.
How accurate is it — and who makes the final decision?
Every verdict comes with a written explanation, the quoted evidence from the transcript and a confidence score, so a reviewer can check it in seconds. COSA supports your team's judgement rather than replacing it: authorised reviewers can override any result, and the original verdict is kept for the audit trail.
Does it work with our dialler and CRM?
COSA connects to your dialler, so finished calls flow in automatically, and to your CRM, where it matches callers to clients and writes call summaries back. Integrations are set up for the systems your firm uses and priced separately — Aircall and FLG are supported today. Recordings from any other system can be uploaded, and an API is available for client and document data.
Will it slow our advisers down?
No. Nothing changes in how your team makes or takes calls — COSA only processes a call once it has finished. Compliance reviews the flagged moments instead of listening end to end, so QA takes minutes rather than hours.
How is our data protected?
Accounts are invitation-only, with role-based permissions and two-factor authentication. Each firm's data is isolated at the database level, data is encrypted in transit, and logins, exports and changes are written to an audit log. COSA is operated by Skynet Solutions Ltd, registered with the ICO (ZB738672).
How is pricing worked out?
Pricing is based on your call volume and the features you need, so it scales with your team. Dialler and CRM integrations are priced separately, so you only pay for the ones you connect. We'll give you a clear quote after the demo, once we understand how many calls you handle and which systems you use.
Is COSA only for equity release?
COSA is used today by equity release and later-life lending advisers. Because the rules are your own, it suits any regulated, telephone-based advice or sales team — mortgages, protection, insurance or wealth.
See COSA review your own calls
In a 30-minute walkthrough we'll show you how COSA would assess your calls, what your compliance team would see each morning, and what it would take to go live.
- Tailored to your call types
- No obligation
- Reply within 24 hours