Analytics output layer
AIM — Analytics and Intelligence Module
Firm compliance analytics · Examination Readiness Score · Cross-firm benchmarking (CFABE) · Distribution analytics
AIM — Analytics and Intelligence ModuleComputes firm-level compliance analytics (flag rates, approval cycle times, open flag inventory), a composite Examination Readiness Score derived from audit trail completeness, AREF filing compliance, and flag resolution rate, and a Cross-Firm Anonymized Benchmarking Engine (CFABE) that aggregates compliance metrics across the platform using differential privacy. Also provides distribution analytics by channel, audience classification, and card version performance.
Layer 1 — User interfaces
RIM
Representative Interface Module
Card creation & submission
RIM — Representative Interface ModuleWeb and mobile interface for IARs to create, edit, and submit digital identity cards. Three submission triggers: initial creation, any field edit, and firm-wide template update. Each triggers a full compliance review cycle before publishing.
CDM
CCO Dashboard Module
Compliance officer review & approval
CDM — CCO Dashboard ModuleSupervisory interface with separate SEC and FINRA review queues, dual-regulator status indicators, FINRA AREF filing calendar, firm-wide template controls (locked/constrained/open field configuration), and SEC + FINRA examination documentation generation.
CRM
Compliance Reporting Module
Examination-ready documentation
CRM — Compliance Reporting ModuleGenerates examination-ready documentation packages formatted separately for SEC and FINRA production — advertisement inventories, version histories, approval logs, distribution records, and AREF filing records — on demand.
Layer 2 — Analysis & workflow engines
DRRE
Dual-Regulator Rule Engine
SEC 206(4)-1 + FINRA Rule 2210
DRRE — Dual-Regulator Rule EngineCentral innovation: simultaneously applies SEC Marketing Rule 206(4)-1 and FINRA Rule 2210(d). Retrieves registration profile, runs parallel analysis, applies the more stringent standard where the two frameworks diverge, and flags content under both applicable rule citations.
RPPWM
Registered Principal Pre-Approval
FINRA Rule 2210(b)(1) workflow
RPPWM — Registered Principal Pre-Approval Workflow ModuleRoutes retail communications to the firm's designated Series 24 registered principal. Places distribution hold — no publication permitted until logged approval is on file. Records principal identifier and timestamp on every approval or rejection action.
ACCCM
Audience Classification Module
Retail / institutional / mixed
ACCCM — Audience Classification & Communication Categorization ModuleClassifies distributions as retail communication, correspondence, or institutional communication under FINRA Rule 2210(a). Monitors 30-day rolling count via platform NFC/QR tracking, CRM integration, and professional self-reporting. Auto-reclassifies and triggers RPPWM + FAFIM if 25-investor threshold is crossed.
Layer 3 — Compliance review & filing
CRE
Compliance Review Engine
Model-agnostic orchestration layer
CRE — Compliance Review EngineModel-agnostic decision orchestration layer. Accepts output from any language analysis component (rule-based NLP, LLM, or third-party AI API), applies RRD logic to produce a structured compliance analysis report with flagged content items, severity classifications, and workflow triggers.
FAFIM
FINRA AREF Filing Module
10-day deadline tracking & filing
FAFIM — FINRA AREF Filing Integration ModuleAutomates FINRA Rule 2210(c) retail communication filing. Determines filing obligation, prepares and submits filing package to AREF system API, tracks 10-business-day deadline from first use, monitors FINRA review status, routes deficiency letters to CCO. All events logged in IATD.
SJRE
State Jurisdiction Rule Engine
NASAA model rule · multi-state
SJRE — State Jurisdiction Rule EngineDetermines adviser's state registration jurisdictions, retrieves applicable state advertising rules per jurisdiction from RRD, applies most-restrictive standard across all registrations, generates jurisdiction-specific flags. Monitors NASAA model rule adoption and triggers RCAS alerts on state rule changes.
Layer 4 — Compliance infrastructure
RBICM
Reg BI Compliance Module
Title · Form CRS · CFP® CFA®
RBICM — Reg BI Compliance ModuleValidates broker-dealer title fields against Reg BI Title Restriction Database (detects prohibited use of "adviser/advisor" by non-dually-registered BDs). Verifies Form CRS delivery pathway on linked pages. Includes Professional Designation Verification sub-module querying CFP Board and CFA Institute APIs in real time.
RRD
Regulatory Rule Database
Rule records · triggers · remediation
RRD — Regulatory Rule DatabaseProprietary structured schema encoding SEC, FINRA, NASAA, Reg BI, CFP Board, and CFA Institute compliance logic as machine-readable rule records. Each record: rule identifier, registration profile, card field mapping, trigger conditions, severity (blocking/warning/informational), workflow trigger, remediation guidance, and version/effective date metadata.
RCAS
Regulatory Change Alert System
Monitors SEC · FINRA · NASAA
RCAS — Regulatory Change Alert SystemContinuously monitors SEC rulemaking, FINRA Regulatory Notices, NASAA model rule amendments, and state adoption activity. On rule change: updates RRD rule records, identifies affected approved card versions, generates CCO alerts with field-level impact analysis, optionally suspends distribution pending re-review.
Layer 4.5 — Data normalization & enrichment
DNEM — Data Normalization and Enrichment Module
Multi-source record reconciliation · Compliance risk scoring · Firmographic enrichment · AUM tier classification
DNEM — Data Normalization and Enrichment ModuleIntermediary layer between RDIL and CRE/DRRE. Reconciles regulatory records across SEC EDGAR, FINRA BrokerCheck, NASAA, CFP Board, and CFA Institute into canonical normalized records. Computes compliance risk scores from registration complexity, historical flag rate, examination history, credential currency, and AUM tier. Enriches card submissions with firmographic context before compliance analysis runs.
Layer 5 — Storage & data integration
VCCS
Version-Controlled Content Store
Immutable card version history
VCCS — Version-Controlled Content StoreMaintains complete immutable history of every card state (draft, pending, approved, superseded) with dual-regulator compliance metadata: version identifier, content snapshot, CRE analysis results, approval records, AREF filing status, and first use dates.
IATD
Immutable Audit Trail Database
Append-only · WORM-compliant
IATD — Immutable Audit Trail DatabaseAppend-only database recording every card distribution event: version identifier, UTC timestamp, share method, professional identifier, audience classification, 30-day retail count, FINRA category, pre-approval status, and AREF filing trigger. Satisfies SEC Rule 204-2, FINRA Rule 4511, Exchange Act 17a-3/4.
RDIL
Regulatory Data Integration Layer
Live feeds from all regulatory sources
RDIL — Regulatory Data Integration LayerData pipeline maintaining live integrations with SEC EDGAR, FINRA BrokerCheck/IARD, NASAA state registration feeds, CFA Institute member database, CFP Board certificant API, SEC Form CRS repository, and extensible additional designation verification APIs.
Distribution channels (feed audit trail)
NFC tap
Physical card event
NFC TapEvery NFC card tap captured with timestamp, session identifier, and distribution method code — automatically incrementing the 30-day rolling distribution count in IATD.
QR code / URL
Link & scan share
QR Code / URL ShareEvery QR scan and link click captured platform-natively and recorded in IATD with timestamp and session identifier.
Email signature
Digital collateral
Email SignatureDigital card embedded in email signatures and digital collateral. Architecture extends to all digital marketing materials including LinkedIn bios and advisor profile pages.
CRM integration
Redtail · Salesforce · Wealthbox
CRM IntegrationCross-references contact records against FINRA institutional investor definition to automatically classify recipient audience type. Supports Redtail, Salesforce Financial Services Cloud, and Wealthbox.
Model-agnostic language analysis (input to CRE)
Language analysis component — model-agnostic
Rule-based NLP · Statistical NLP · Transformer LLM · Fine-tuned domain model · Third-party AI API
Model-Agnostic ArchitectureThe patentable contribution resides in the RRD schema, decision logic, and compliance workflow — not in any language analysis technology. The CRE accepts output from any language analysis component as an interchangeable input. Substituting one AI model for another does not exit the scope of the invention. No rights are claimed in any third-party foundation model.
External data sources
SEC EDGAR / IAPD
Form ADV · Form CRS · IAPD
SEC EDGAR / IAPDProvides Form ADV Part 2A disclosures and Form CRS filings used by CRE to verify card content consistency with registered disclosure documents. IAPD provides public adviser registration data.
FINRA BrokerCheck
CRD registration · AREF
FINRA BrokerCheck / IARDReal-time retrieval of broker-dealer and registered representative CRD records, registration status, qualification exams, and disciplinary history. AREF system integration handles retail communication filing and deadline monitoring.
NASAA / State Regs
State ad rules by jurisdiction
NASAA / State RegulatorsState-specific registration data and advertising rule database indexed by jurisdiction. SJRE uses this to apply correct state-specific standards per registration profile, including states that have not yet adopted NASAA model rule amendments.
CFP Board
CFP® active status API
CFP Board Certificant APIReal-time query confirming active CFP® certification, suspension, or revocation. Blocking compliance flag generated if card-displayed status does not match current CFP Board records.
CFA Institute
CFA® charterholder API
CFA Institute Member DatabaseReal-time query confirming active CFA® charterholder status and good standing. Lapsed, suspended, or revoked status generates a blocking flag routed to CCO review queue with CFA Institute Standards citation.
Additional Bodies
CIMA® · ChFC® · extensible
Extensible Designation VerificationSupports any designation body with a public active-status verification API, without modifying the core compliance workflow. Initial additional targets include CIMA® (Investments and Wealth Institute) and ChFC® (The American College).