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
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.
KYC
Verify members and maintain accurate information throughout the relationship.
AML
Support ongoing anti-money laundering controls and identify activity requiring attention.
Sanctions screening
Screen members against relevant sanctions data.
PEP screening
Identify politically exposed persons and support appropriate due diligence.
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.
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.