One Platform for the
Entire Client Lifecycle
Four Eyes Financial orchestrates the complete client lifecycle for wealth firms regulated by CIRO, FINRA and the SEC. From the start of the client journey with onboarding, to ongoing maintenance with KYC, to KYP suitability and post-trade surveillance & supervision, all on one connected data layer with one exam-ready audit trail.
Onboarding to oversight on one data layer
Multi-custodian, CIRO · FINRA · SEC-ready
Multiple lines of business, one instance
Multilingual, for clients and staff
Reviewed148
Trusted Partner of Wealth Advisory Firms & Broker Dealers
4ms Digital Onboarding
Accelerate Advisor Workflows
Eliminate Onboarding Friction
4ms takes clients from first details to an approved, funded account across multiple custodians in one guided workflow. Context-driven forms adapt to individual, joint, entity and trust accounts. Records are pre-filled and validated before submission to prevent NIGO rework. FINTRAC ID verification, CRS/FATCA self-certification, e-signature and supervisor approval all happen in the same flow. As a result, advisors manage relationships, not data fields.
Individual, joint, entity and trust accounts
Validated before submission, no NIGO rework
E-signature and supervisor approval in one flow
Risk7 Trade Surveillance
Eliminate Swivel-Chair Reviews
with Unified Compliance & Surveillance
Risk7 ingests your multi-custodian books of record daily, delivering automated, exception-based compliance and trade surveillance mapped to CIRO, FINRA and SEC obligations. As a result, supervisors work from one unified review queue and audit trail, focusing only on the exceptions that need human judgment and multiplying oversight capacity without adding headcount.
135+ exception types screened on every trade
One review queue across multiple custodians
Thresholds set by line of business
Four Eyes Unified Data Layer
AI-Native Data Architecture
Every client runs on a dedicated, single-tenant cloud instance built on the Four Eyes Unified Data Layer, where a semantic layer and shared compliance ontology give onboarding, KYC, surveillance and case data the same meaning across every module. Because of that shared context, Four Eyes Cue AI works inside your workflows, supporting reviews, answering questions and turning plain-language requests into bespoke reports, with every insight grounded in your firm’s own data.
Single-tenant isolation with self-contained AI models
Your data secured within your instance
Semantic layer & compliance ontology
By the Numbers
Built for Regulated Firms at Scale
$1.6B
in assets re-papered in six days for one independent wealth firm
135+
Risk7 exception types screened on every trade
SOC 2 Type II
compliant, with controls audited by Aprio LLP
Who We Serve
Built for Your Firm
Canada · CIRO & provincial securities commissions
Investment Dealers
Grow your CIRO investment dealership (often called a broker-dealer) without growing your mid and back office, with multi-custodian account opening, KYC, Risk7, complaints and CE. Explore
Mutual Fund Dealers
Keep every client file current, from digital account opening and KYC to point-of-sale KYP, Fund Fact Sheets and Risk7. Explore
Portfolio Management Firms
Every mandate monitored against the client’s risk profile and IPS, with personal trading surveillance. Explore
Bank-Owned Wealth Management
Bank-owned investment dealer, mutual fund and portfolio management businesses on one instance, each supervised against its own thresholds. Explore
United States · FINRA & the SEC
Broker-Dealers
Supervise every trade without manually reviewing every trade, with Reg BI records, Rule 3110 surveillance, cases and FINRA CE. Explore
RIAs & Dually Registered Firms
Advisory and brokerage side by side, with account opening, pre-trade checks, Mandate Drift and surveillance under the right rules. Explore
Bank-Owned Wealth Management
Bank broker-dealer, advisory and private wealth businesses on one instance, supervised under FINRA and SEC rules with thresholds set by line of business. Explore
Recruiting Advisors?
Incoming advisor books re-papered in days with Bulk Transitions and Digital Onboarding, for firms in Canada and the United States. Explore
The Platform
Purpose-Built Modules
One Connected Data Layer
Who we serve
Investment DealersMutual Fund DealersBroker-DealersRIAs & Dual RegistrantsBank-Owned WealthPortfolio Managers
Four Eyes FinancialOne connected data layer
Modules
Onboarding & KYC
Digital OnboardingGuided account opening, validated before submissionKYC MaintenanceOne-step KYC updates, material changes routed for approvalBulk TransitionsWhole advisor books re-papered in daysSurveillance & Supervision
Risk7 Trade Surveillance135+ exception types, only what needs human judgmentPre-Trade AnalyzerAdvisors check proposals before placing the orderProduct Shelf ManagementOne governed shelf with dual-control approvalProduct Research & Point of SaleCompare products and document suitabilityRisk RatingsConsistent product risk ratings across the shelfShared across every module
AccountsDocumentsDashboardsTransactionsHover or tap a firm type to see the modules it uses
Surveillance, built in
Risk7 screens every trade against 135+ exception types, mapped to your regulatory obligations.
Onboarding without NIGO
Guided digital account opening and KYC catch errors before submission.
One connected data layer
Client records flow from onboarding into surveillance with no re-keying.
Start with the module that solves today’s bottleneck or run both, and manage your entire end-to-end compliance workflows on one platform.
Frequently Asked Questions
Unified Wealth Management Compliance
What is wealth management compliance software?
Software that manages a wealth firm’s client compliance lifecycle in one place, from digital account opening and KYC to product research, trade surveillance, complaints and casework. Four Eyes Financial runs every module on one connected data layer for firms regulated by CIRO, provincial securities commissions, FINRA and the SEC.
What wealth management segments do we serve?
Four Eyes Financial is built for regulated wealth management firms in the United States and Canada. Firms of different sizes and structures supervise differently, so the platform is designed to fit how each one works. Explore who we serve.
In the United States
Broker-dealers subject to FINRA rules and SEC regulations.
Registered investment advisers (RIAs) with fiduciary obligations under the Advisers Act.
Dually registered firms, with advisory accounts reviewed under the Advisers Act and brokerage accounts under FINRA rules and Reg BI.
In Canada
Bank-owned wealth management, with retail wealth, advisory services and private wealth supervised at scale on one instance.
Investment dealers and mutual fund dealers regulated by CIRO, who need institutional-grade supervision without institutional-sized compliance teams.
Portfolio management firms registered with provincial securities commissions and subject to NI 31-103.
Multiple lines of business, one instance. Firms that run more than one business, such as retail wealth, advisory services and private wealth, or advisory and brokerage, operate them side by side on one dedicated instance, each with its own surveillance thresholds, without a second install.
How does the platform align with and support your firm’s regulatory obligations and supervisory policies?
Your firm owns its regulatory obligations. Four Eyes Financial helps you meet them. However, the platform is built to support your supervisory program, not to replace your judgment or your Written Supervisory Procedures.
Every surveillance alert is mapped to the rules it supports: FINRA, SEC and Advisers Act obligations for US broker-dealers and advisers. CIRO requirements for Canadian dealers and wealth management firms. As a result, when an alert fires, your compliance team can see why it matters, not just that a threshold was crossed.
What that means in practice:
Rule-linked alerts. Each alert shows the regulations behind it, so your reviewers can connect every exception to a specific obligation.
Your thresholds, your policies. Alert parameters can be set to match your firm’s risk appetite and WSPs. We keep firm-set thresholds separate from regulatory requirements, so it’s clear which is which. In addition, thresholds can be set by line of business, so each business is supervised against the right parameters.
A clear supervisory record. Reviews, escalations and resolutions are recorded, which helps you show that your supervisory system works as designed.
Can we start with one module and add others later?
Yes, start with the module that solves today’s bottleneck and expand onto the same data layer when you’re ready, without re-implementation.
Each module works on its own as a focused fix, so you see value quickly without committing to the whole platform on day one. Then, when you’re ready for the next module, the groundwork is already done.
Every Four Eyes module runs on the same Connected Data Layer, so the integrations, client data and setup you built for your first module carry straight into the next.
What data integration and connectivity capabilities does the platform offer for custodial and back-office systems?
The platform ingests your custodial book of record daily and connects to common back-office, CRM, and third party data providers. Four Eyes is engineered to fit into your existing infrastructure regardless of scale or setup:
Flexible Architecture Support: We seamlessly map to all major carrying brokers and institutional custodians, supporting both proprietary in-house systems and third-party Book of Record providers.
Automated Daily Ingestion: Automated data pipelines pull in your Book of Record data daily, completely removing manual entry and eliminating data gaps across platforms.
Straight-Through Processing: Structured data feeds synchronize with your established clearing workflows to accelerate account setup and compliance workflows.
Reduced Operational Friction: By automating data synchronization, your operations team avoids costly manual reconciliations and dual-data entry.
What is the typical deployment window and rollout schedule?
Implementations typically take 3 to 8 months, depending on your firm’s specific scope and requirements:
Selected Modules: Your timeline reflects whether you are deploying core compliance routing, product shelf mapping, or the full Four Eyes suite.
Data Complexity: Every wealth firm maintains a unique data infrastructure. That’s why we adapt to your specific environment to ensure zero disruption.
Custodial Feed Setup: Our cloud-native architecture allows us to establish data feeds and configure workflows significantly faster than legacy providers.
During your initial discovery call, our team will analyze your operational footprint and walk you through a realistic, tailored timeline estimate.
What enterprise security architecture and data protection safeguards are built into the platform?
Safeguard of sensitive financial and client data is central to our platform architecture. Four Eyes maintains rigorous enterprise security standards to protect your firm’s information at every layer:
SOC 2 Type II Compliant: Independently audited annually by Aprio LLP, headquartered in Atlanta, Georgia, for operational security, processing integrity and data privacy.
Dedicated Single-Tenant Instance: Every firm runs on its own non-shared database with unique encryption keys, hosted in Canada for Canadian firms and in the United States for US firms, with your data secured within your instance.
End-to-End Encryption: All data is fully encrypted both in transit (using modern TLS protocols) and at rest (using AES-256 encryption).
Granular Access Governance: Role-Based Access Controls (RBAC) ensure staff members only see and interact with data necessary for their specific role.
Enterprise Hosting & Continuous Monitoring: Hosted on resilient, high-availability cloud infrastructure with 24/7 proactive threat detection and real-time security monitoring.
Why is the company called Four Eyes?
It’s named for the four-eyes principle: in wealth management, no critical decision should rely on a single individual. That’s why the platform acts as your digital second set of eyes, surfacing exceptions with complete rationale, while your compliance team makes every final decision. Read the story behind our name.
How is platform pricing structured and scaled across user licenses and deployed modules?
Pricing scales with your user count and the modules you deploy — schedule a discovery call for a tailored quote.
One Platform for Advisory Firms and Broker-Dealers · One Data Layer
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Book a walkthrough to see how our workflow automations can unify your compliance lifecycle, from day-one onboarding to ongoing surveillance.