About COSA
Built for the people who have to stand behind every call
Compliance
& Sales
The name
One platform for compliance and sales
Compliance protects customers and the firm; sales keeps the firm growing. Most tools force a trade-off between the two. COSA is built on the belief that complete oversight makes both better — fewer surprises for compliance, and clearer, more confident conversations for advisers.
By reviewing every call, COSA helps firms meet their regulatory obligations, protect vulnerable customers and run more efficiently — all at the same time.
How we build
Principles you'll see in the product
Not a list of values on a wall. Each one is a decision you can point to in COSA — so here it is, beside the part of the app that shows it.
- 01
Your rules, not a template
Every firm is held to its own standards. COSA assesses calls against the rules your compliance team writes and maintains — and each rule runs only on the call types it applies to.
In COSA · Rules VerbatimRecording disclosure read to the client
“This call is recorded for training and compliance purposes.”
Applies toFact FindFollow-up - 02
Evidence over assertion
A verdict without its evidence isn't worth much. Every finding carries the quote, a plain-English explanation and how confident the assessment is.
In COSA · Evidence Interest roll-up explained
PassedInterest rolls up, so the amount you owe grows over time.
The adviser explained that interest compounds and the balance grows over the life of the loan.
ConfidenceHigh - 03
People make the final call
COSA supports professional judgement. Authorised reviewers can override any result, the original verdict is kept, and no automatic re-run can undo their decision.
In COSA · Overrides Vulnerability identified and handled
OriginalNeeds reviewReviewerPassedManually overridden by an authorised reviewer. The original verdict is retained for audit purposes.
Automatic re-runs never replace a reviewer's decision.
- 04
Coverage you can prove
Every in-scope call is assessed, and every call you exclude is logged with the reason. No unexplained gaps in what your monitoring covered.
In COSA · Coverage · last 30 days - Assessed
- 1,284
- every in-scope call
- Not analysed
- 72
- each with a reason
- Shorter than your minimum42
- Voicemail18
- 05
Nothing changes for advisers
COSA picks calls up once they've finished. It can't make, join or interrupt a call, so advisers work exactly as they do today.
In COSA · Calls - 14:32Call ended· From your dialler
- 14:35Transcribed· Speaker-labelled
- 14:38Assessed· 12 rules applied
Picked up after the call ends — never during it.
- 06
Secure by default
Invitation-only access, role-based permissions, two-factor authentication and each firm's data isolated at the database level.
In COSA · Organisation security - Access
- Invitation only
- Sign-in
- Two-factor (TOTP)
- Data
- Isolated per firm
Why now
The moment for complete oversight has arrived
Four things changed at once. Together they make a sample hard to defend — and every call practical to review.
- 01
The Consumer Duty raised the bar on evidence
The FCA expects firms to monitor and evidence outcomes across their whole customer base, and boards to sign off on it at least once a year.
- 02
Sampling doesn't scale
Manual QA can't keep pace with call volumes without adding headcount — and it still leaves most conversations unheard.
- 03
The technology caught up
Speech-to-text and language models can now assess a conversation against written rules, with the quote and reasoning to check every finding.
- 04
Complete oversight is a better story
Firms that can show evidenced oversight of every call have a stronger position with supervisors, boards and customers alike.
The company behind COSA
A UK company, registered with the ICO.
- Legal entity
- Skynet Solutions Ltd, trading as COSA AI
- Company number
- 15086136 (England & Wales)
- Registered office
- 25-29 Sandy Way, Yeadon, Leeds LS19 7EW
- ICO registration
- ZB738672
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