Compliance & Regulatory

Stay compliant. Stay in control.

Murmuration brings compliance, risk and regulatory oversight into one connected platform — helping you protect members, reduce risk and give management and Boards greater confidence.

Consumer Duty Financial crime Operational resilience Regulatory reporting
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Compliance built in

Compliance shouldn't happen after the fact.

Good compliance starts before something goes wrong. Murmuration embeds controls, oversight and accountability into everyday processes, helping your teams identify risks earlier and demonstrate that the right actions have been taken.

Consumer Duty

Monitor member outcomes and maintain the evidence needed to demonstrate how you’re meeting your obligations.

Policy management

Keep policies controlled, accessible and connected to the way your organisation operates.

Permissions & user access

Control who can see, change and approve information across your organisation.

Audit trails

Maintain a clear record of activity, decisions and approvals.

Build compliance into the way you work.

Financial crime controls

Know who you're dealing with.

Murmuration helps you perform the checks you need, identify potential risks and maintain a clear record of the decisions that follow.

01

KYC

Verify members and maintain accurate information throughout the relationship.

02

AML

Support ongoing anti-money laundering controls and identify activity requiring attention.

03

Sanctions screening

Screen members against relevant sanctions data.

04

PEP screening

Identify politically exposed persons and support appropriate due diligence.

05

Fraud prevention

Detect suspicious activity and help teams act before losses escalate.

Know more. Spot risk sooner.

Put members first

Protect members. Especially when they need it most.

Compliance isn't only about protecting the organisation. It's about delivering the right outcomes for members. Murmuration helps teams identify vulnerability, manage complaints and maintain the information needed to provide appropriate and consistent support.

Vulnerable members

Record and manage vulnerability information so teams can respond appropriately.

Complaints management

Capture, investigate and resolve complaints with clear ownership and oversight.

Consumer Duty

Understand outcomes across your membership and identify where action may be needed.

Better oversight. Better support. Better outcomes.

Ready to evidence

Don't just say you're compliant. Be ready to show it.

When a regulator, auditor or Board asks a question, finding the answer shouldn’t become a project. Murmuration keeps records, actions and decisions connected, giving you a clear trail from what happened to who acted, what was approved and when.

Policy triggered — vulnerability indicator recorded System step 1
Case created — financial difficulty flag Member services step 2
Case reviewed — additional information gathered Compliance step 3
Decision approved — support plan agreed Approver step 4
Outcome recorded — financial wellbeing journey started Member services step 5

Regulatory reporting

Bring together the information required for regulatory oversight and reporting.

Audit trails

Follow activity and decisions from beginning to end.

Policy management

Demonstrate the policies and controls governing key processes.

Board oversight

Give leadership clearer visibility of compliance, risk and emerging issues.

Resilient by design

Keep your credit union running.

Resilience is about more than recovering from an incident. It’s knowing where your vulnerabilities are before one happens. Murmuration helps you manage operational dependencies, third parties and continuity planning.

Operational resilience

Understand critical operations and the risks that could disrupt them.

Business continuity

Maintain clear plans for keeping essential services running.

Third-party oversight

Track suppliers, dependencies and associated risks in one place.

Be prepared before disruption becomes a problem.

Protect what matters

Protect the data your members trust you with.

Member information is some of the most sensitive data your organisation holds. Murmuration helps you protect it with clear access controls, secure data management and the visibility needed to understand who has access to what.

GDPR — responsible management of personal data
Data security — protect sensitive financial and member information
Cyber security — stronger oversight of cyber risks and controls
Permissions & user access — access to what people need, nothing they don’t

Protect the data. Protect the member. Protect the trust.

One view of risk

See risk across the whole organisation.

Compliance risks don’t exist in isolation. Murmuration brings information from across your credit union together, helping management and Boards see emerging issues, understand their impact and take action sooner.

Financial crime

Consumer Duty

Complaints

Cyber security

Operational resilience

Third parties

One connected view of compliance and risk.

Good governance starts with knowing

Less uncertainty. More control. Stronger governance.

Know your risks. Know your responsibilities. Know you have the evidence to demonstrate both. Murmuration gives your teams, management and Board the visibility and controls they need to operate with confidence.

Good governance. Greater confidence.

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