Compliance Sheet
Alforis Finance regulatory compliance sheet
Regulatory Framework
Alforis Finance carries out its Third Party Marketing activity in compliance with the French and European regulatory framework.
AFTPM
French Association of Third-Party Marketers
AFTPM is the professional association that brings together Third Party Marketing players in France. Membership implies compliance with a strict code of ethics.
- Compliance with AFTPM code of ethics
- Declaration of distribution mandates
- Continuing education of the director
- Participation in professional work
European Regulations
Alforis Finance complies with the main European regulations applicable to its activity.
| Regulation | Scope | Status |
|---|---|---|
| MiFID II | Distribution of financial products | Compliant |
| GDPR | Personal data protection | Compliant |
| AML/CFT (AMLD) | Anti-money laundering | Compliant |
| DORA | Digital operational resilience | In progress |
Internal Control Process
Michel Marques, founder and director, is responsible for compliance. He relies on an AI analysis tool; the final decision remains human.
Operational controls
The director is responsible for managing the risks related to the business.
- Client information verification (KYC)
- Compliance with commercial procedures
- Documentation of client interactions
AI-assisted compliance analysis
An AI analysis tool prepares the review; the final decision remains human.
- Review of commercial operations
- Scheduled compliance controls
- Regulatory watch
- Training and awareness
Michel Marques, founder and director, responsible for compliance and internal control
AI Compliance Framework
Alforis Finance uses artificial intelligence tools within a strict governance framework.
Guiding principles
Transparency
AI-assisted decisions are explainable and documented.
Accountability
A human remains responsible for all final decisions.
Fairness
Algorithms are monitored to prevent bias.
Privacy
Data processed by AI complies with GDPR.
AI uses
| Area | Application | Human supervision |
|---|---|---|
| Compliance | Communication compliance analysis | Validation by the director |
| CRM | Prospect scoring and qualification | Review by the director |
| Reporting | Automated report generation | Validation by the director |
AI governance
A specific governance framework governs the use of AI.
- Inventory of AI tools used
- Risk assessment by tool
- Prior validation by the director
- Annual framework review
EU AI Act
Alforis Finance actively monitors developments in the European AI regulation and anticipates its compliance.
Registry & Obligations Monitoring
A centralized registry tracks all regulatory obligations.
Regulatory obligations
| Obligation | Periodicity | Responsible | Status |
|---|---|---|---|
| DUER update | Annual | Director | Compliant |
| Processing register | Continuous | GDPR contact person | Compliant |
| AML/CFT training | Annual | Director | Compliant |
| Complaints register | Continuous | Director | Compliant |
Regulatory reporting
Regulatory reports are completed within required deadlines.
- Internal reporting
- Monthly (director)
- External reporting
- Upon authority request
- Regulatory declarations
- As per applicable requirements
Incident history
No major compliance incident has been recorded.
Compliance Contact
For any compliance question, contact Michel Marques, director and responsible for compliance.
Compliance officer
Michel Marques
Interested? Book a meeting with Michel Marques