Every call reviewed.Every risk evidenced.
COSA 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 Aircall 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
0 / 6 segments- Passed
- —
- Needs review
- —
- Failed
- —
- Total rules
- —
Detailed rule results
6 rules- Call recording disclosure givenVerbatimAssessing
- Vulnerability identified and handledVulnerabilityAssessing
- Client objectives captured in their wordsNon-verbatimAssessing
- Family involvement encouragedNon-verbatimAssessing
- Interest roll-up explainedNon-verbatimAssessing
- Independent legal advice recommendedVerbatimAssessing
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
Aircall · 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.
COSA Assistant
Ask anything about a client's calls
Answers drawn from the transcripts, each citing the exact moment it came from — ready to play back.
On the fact find, James explained that interest rolls up and the amount owed grows over time1. He confirmed she understood on the follow-up call 2.
Drawn from 3 transcribed calls · cites the moment it came from
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%
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.
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
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
Products & services
Check recommendations are anchored to the needs and objectives the client described, in their own words.
Price & value
Confirm fees, charges and long-term costs — like interest roll-up — were explained, not assumed.
Consumer understanding
Verify the key risks and features were covered, and flag the moments a client didn't follow.
Consumer support
Surface signs of vulnerability and whether the adviser adapted, so nobody falls through the gaps.
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.
Aircall
Finished calls arrive automatically. Choose which numbers are monitored; agents and contacts stay in sync.
FLG
Callers are matched to clients, and call summaries are written back to the client's activity history.
Any recording
Drag and drop MP3, WAV, OGG or WEBM recordings from any other telephony or recording system.
API
Scoped API keys to keep client and document records in step with the systems you already use.
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.
Invitation-only access
Role-based permissions for supervisors, admins and users.
Two-factor authentication
Time-based one-time codes on every account that enables it.
Isolated by design
Each firm's data is separated at the database level.
Encrypted in transit
HTTPS everywhere, with strict transport security.
Full audit log
Logins, exports, uploads and overrides are all recorded.
ICO registered
Skynet Solutions Ltd, trading as COSA AI · ZB738672.
COSA supports, not replaces, professional compliance review. Every finding links back to the recording so it can be verified before action is taken.
Security & trust in detailFAQ
Questions compliance teams ask us
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.
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.
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.
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.
COSA connects directly to Aircall, so finished calls flow in automatically, and to FLG, where it matches callers to clients and writes call summaries back. Recordings from any other system can be uploaded, and an API is available for client and document data.
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.
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).
Pricing is based on your call volume and the features you need, so it scales with your team. We'll give you a clear quote after the demo, once we understand how many calls you handle.
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