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
- Continuous employee training
- 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
Our internal control framework is based on the three lines of defense model, adapted to the size of our organization.
1st line: Operational controls
Operational teams are responsible for managing risks related to their activities.
- Client information verification (KYC)
- Compliance with commercial procedures
- Documentation of client interactions
2nd line: Compliance function
The RCCI ensures ongoing compliance monitoring and control.
- Review of commercial operations
- Scheduled compliance controls
- Regulatory watch
- Training and awareness
3rd line: Audit
Independent audits assess the effectiveness of the control framework.
- Frequency
- Annual
- Scope
- All activities
- Last audit
- [Date]
Dedicated RCCI in charge of 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 | RCCI validation |
| CRM | Prospect scoring and qualification | Commercial review |
| Reporting | Automated report generation | Manager validation |
AI governance
A specific governance framework governs the use of AI.
- Inventory of AI tools used
- Risk assessment by tool
- Prior validation by RCCI
- 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 | RCCI | Compliant |
| Internal control report | Quarterly | RCCI | Compliant |
| Processing register | Continuous | DPO | Compliant |
| AML/CFT training | Annual | RCCI | Compliant |
| Complaints register | Continuous | Sales Dir. | Compliant |
Regulatory reporting
Regulatory reports are completed within required deadlines.
- Internal reporting
- Monthly (Management Committee)
- 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-related questions, contact our RCCI.
RCCI
[RCCI name]
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