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AI Compliance AuditFile auditsFor Australian insurance brokers

AI does the reading. Your auditor makes the call.

AI Compliance Audit works through one client file at a time, step by step. Every finding quotes the evidence it relied on, and when the AI isn’t sure, it stops and asks your auditor.

Book a demoHow it reaches a decision
Compliance audit · Insured: A. Client · Home and contents · Broker file audit templateIn progress

Determined values

RetailRenewal

Audit steps

  1. 1File classificationPass
  2. 2Scope of servicePass
  3. 3Wholesale client testNot applicable
  4. 4Financial Services Guide timingFail
  5. 5Duty of disclosureRunning
  6. 6Renewal timeframesNot started

Step 4

Financial Services Guide timing Fail

Facts gathered

Finding

The FSG was sent on 14 March, two days after the broker’s recommendation of 12 March. No earlier copy is in the file.

Evidence

Re: Your home and contents renewal.eml · sent 12 March, 3:05 pmVerified

“Based on our call, our recommendation is to renew with your current insurer at the premium quoted.”

Our Financial Services Guide.eml · sent 14 March, 9:20 amVerified

“As promised, please find attached our Financial Services Guide.”

Step outcome: Fail. A potential incident has been raised.See the finding

Illustrative audit. The client, file, steps and quotes are examples.Every citation is checked against the attached files

Findings that show their working.

Each step is made up of checks with written criteria. The AI assesses every check against the attached documents, records a finding with the evidence quoted, then decides the step from those findings.

  1. Clear criteria for every check.

    Each check spells out what passes, what fails and what doesn’t count as evidence.

  2. Quoted word for word.

    Findings cite passages from the source, with the file they came from. Open a citation to see the document.

  3. Every citation checked.

    Citations are verified against the attached files. Anything that can’t be matched is labelled as not verified.

  4. No evidence, no pass.

    Where the evidence is missing, the step fails. The AI doesn’t fill the gap with a guess.

  5. Contradictions come to the surface.

    If findings disagree in a way that matters, the step pauses and tells the auditor what conflicts.

Check 4.1 · FSG given before the advice Corporations Act 2001
Passes when
The file shows the client was given the FSG before the broker’s advice.
Fails when
The FSG was given after the advice, or the file doesn’t show it was given at all.
Not evidence
A file note saying the FSG was sent, without the email or document that sent it.
Illustrative check. Curium sets up your templates.

When it isn’t sure, it stops and asks.

The audit moves to Waiting and puts a question to the auditor. Once it’s answered, the run picks up where it stopped. Findings become register entries only when a person says so.

Compliance auditWaiting

Step 6 · Renewal timeframes

A question for the auditor

The renewal invitation and the policy schedule give different expiry dates: 30 June and 14 July. Which date should the renewal timeframe be measured from?

Your answer
Answer and continue
Illustrative. The question and dates are examples.
FindingsPotential incidentsPotential complaints

FSG given after the advicePotential

From step 4 · matched to Financial Services Guide timing in your obligations register

AI rationale

Step 4 failed. The FSG was sent two days after the recommendation, and nothing in the file shows it was given before the advice.

Log incidentDismiss
Illustrative. Log incident opens the form, pre-filled by AI.Nothing reaches a register until someone confirms it

  • Override, with a reason

    Auditors can request a re-assessment or override a decision. The reason stays on the record, in the audit’s activity log.

  • Complaints in the emails

    Emails in the file are screened for signs of a complaint and raised as potential complaints, for a person to log or dismiss.

  • Two roles

    Compliance Audit Managers create and run audits, answer questions and override decisions. Compliance Audit Readers have read-only access and can download the PDF.

Built on the rules brokers answer to.

Audit templates turn obligations into checks. Curium sets up your templates and versions every change.

01

Corporations Act 2001

For example: was the Financial Services Guide given, and before or after the advice?

FSG timing
02

Insurance Contracts Act 1984

For example: was the duty of disclosure explained, and at the right time?

Duty of disclosure
03

Insurance Brokers Code of Practice

For example: was the renewal handled within the Code’s timeframes?

Renewal timeframes

  • It follows the file

    The audit first classifies the file, such as retail or wholesale client, new business or renewal. Steps that don’t apply are marked Not applicable.

  • Sections, steps and checks

    A template is a set of sections, steps and checks, and every check has its own pass and fail criteria.

  • Versioned and locked

    A published template version can’t be edited, and every audit keeps the version it ran against.

From client file to finished audit.

One insured, one policy, one file. Four steps from start to finish.

  1. Step 1

    Create the audit

    Pick the audit template and enter the insured, policy number, broker and auditor.

  2. Step 2

    Attach the file

    Drag in the documents and emails. An audit holds up to 100 files of up to 10 MB each.

  3. Step 3

    Run the audit

    The AI works through the steps in order, and pauses with a question when it needs your input.

  4. Step 4

    Review and act

    Check the findings and evidence, log incidents or complaints, and download the audit PDF with its citations, notes and activity log.

  • Documents

    PDF, Word (DOCX) and Excel (XLSX) files.

  • Emails

    EML and MSG. Emails are unpacked, so every attachment becomes its own evidence file.

  • Images and scans

    PNG, JPG, GIF, WEBP and HEIC. Scanned pages are read with OCR.

Less time reading. More time on what repeats.

The Insights tab rolls up your audits over the last 30 or 90 days, so you can see where issues repeat and where to look next.

Last 90 daysAuditsInsights

Files audited

Incident findings raised

Complaint findings raised

Top issues

  1. FSG given after the advice
  2. Renewal timeframe missed
  3. Duty of disclosure not explained
  4. Client’s needs not recorded

By authorised representative

RepresentativeFilesFindingsPer 100Representative ARepresentative BRepresentative C
Illustrative. Issue names are examples, and figures are left out on purpose.

78%

In our first client deployment, Compliance Audit cut reviewer time by 78% for the same audit. Results depend on file type and current review depth.

  • Top issues

    The findings that keep coming back: the most common issues across your audited files, ranked.

  • By authorised representative

    Files audited, findings, and findings per 100 files for each authorised representative. Compare like for like.

  • Recently failed

    The latest audits that failed, ready to open and review.

What auditors ask us first.

Straight answers. If yours isn’t here, bring it to the demo.

What is Curium Compliance Audit?

Compliance Audit is a tool in the Curium platform that runs AI-assisted audits of client files for insurance brokers. Each audit checks one file against an audit template, step by step, and every check produces a finding with the evidence it relied on.

What does one audit cover?

One client file: one insured and one policy. You attach the documents and emails for that file, and the audit works through the template's steps in order.

How does the AI reach a decision?

Each step is made up of checks with written criteria for what passes and what fails. The AI assesses each check against the attached documents and records a finding with quoted evidence. The step's outcome is then decided from those findings.

Where the evidence is missing, the step fails. The AI does not fill the gap with a guess.

What happens when the AI isn't sure?

It asks. The audit moves to Waiting and shows the auditor a question. Once the auditor answers, the run picks up where it stopped.

Does Compliance Audit replace our auditors?

No. The AI does the reading and drafts the findings. Your auditors answer its questions, can request a re-assessment or override a decision with a reason, and decide which findings are logged as incidents or complaints. Each of those actions is recorded in the audit's activity log.

What files can we attach?

PDF, Word (DOCX) and Excel (XLSX) files, emails (EML and MSG) and images (PNG, JPG, GIF, WEBP and HEIC). Emails are unpacked so each attachment becomes its own evidence file, and scanned pages are read with OCR.

An audit can hold up to 100 files of up to 10 MB each.

Who writes the audit template?

Curium sets up your audit templates. A template is a set of sections, steps and checks, each with its own pass and fail criteria. Templates are versioned: a published version can't be edited, and every audit keeps the version it ran against.

Which obligations does an audit check?

That depends on the template. Broker templates draw on obligations such as Financial Services Guide timing under the Corporations Act, the duty of disclosure under the Insurance Contracts Act, and renewal timeframes under the Insurance Brokers Code of Practice.

What do we get at the end of an audit?

Each step ends as Pass, Fail or Not applicable, with the findings and evidence behind it. Failed steps raise potential incidents matched to your obligations register, and emails in the file are screened for potential complaints.

You can download the whole audit as a PDF, including citations, notes and the activity log.

Who can see and run audits?

Access is controlled by two roles. Compliance Audit Managers create and run audits, answer questions and override decisions. Compliance Audit Readers have read-only access and can download the PDF.

Is our data secure?

Curium's information security management system is certified to ISO/IEC 27001 by DNV. Each organisation's audits are kept separate, access is role-based, and decisions, overrides and notes are written to an activity log.

Is Compliance Audit a standalone product?

Compliance Audit is part of the Curium platform. Findings connect to Curium's obligations, incident and complaint registers, so nothing has to be re-keyed. Learn more about our Compliance Platform.

How do we get started?

Book a demo to see an audit run from start to finish.

Where a finding goes next.

ComplaintsIncidents and breachesCompliance PlatformThe obligations, incident and complaint registers that audit findings connect to, so nothing has to be re-keyed.See the Compliance PlatformFrontline emailAI Auto-DetectReads frontline email and flags possible complaints, breaches and misconduct for review as they arrive.See AI Auto-DetectArticleBroker file audits: how to get them rightDiscover six principles of effective broker file audits, from evidence and consistent assessments to automation, human oversight and follow-through.Read the article

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