For Investment Dealers
Grow Your Dealership
Without Growing Your Back Office
Four Eyes Financial manages the entire client compliance lifecycle for independent CIRO investment dealers, from digital account opening across custodians and ongoing KYC to know-your-product, pre-trade suitability, trade surveillance and complaints, so advisors spend their time with clients and every decision lands in one exam-ready record.
What Changes
Less Busywork - More Oversight
Accounts opened across custodians
Clients complete their application online in their preferred language, with custodian rules checked before submission through Digital Onboarding.
KYC kept current
With KYC Maintenance, clients confirm nothing has changed, or complete a guided update when something has.
Only the exceptions that matter
Risk7 screens every trade against 135+ exception types, with thresholds set by line of business.
Complaint deadlines met
Client Complaints tracks each complaint against CIRO timelines, with ComSet filing built in.
Value for Every Role
Tailored Value Across
Your Investment Dealership
For Advisors
Open accounts across custodians, with clients e-signing in their preferred languageClients update their own KYC in one stepCheck a proposed trade against the client’s KYC before the orderBring your book over in days, not months
For Compliance
Unified Risk7 queues: review trade exceptions and focus solely on what requires human judgmentApprove new accounts and material KYC changes against the file on recordTrack every complaint against CIRO deadlinesEvery review logs the reviewer’s identity and timestamp
For Operations
New accounts arrive in good order, validated before submissionWhole advisor books transitioned from one multilingual templateBooks of record from multiple custodians ingested dailyAdvisor CE credits tracked across the CIRO cycle
Before and After
From Scattered Systems
to One Exam-Ready Record
Today
With Four Eyes
Account applications re-keyed for each custodian
Accounts opened online with custodian-specific rules, e-signed and validated before submission
Paper KYC updates mailed, signed and re-keyed
Clients confirm or update their KYC in one step, in their preferred language
Trade blotters reviewed custodian by custodian
One Risk7 queue across custodians, showing only the exceptions that need human judgment
Complaint deadlines tracked in spreadsheets
Every complaint tracked against CIRO timelines in Client Complaints, with ComSet filing
CE credits chased by email
CE tracked across the CIRO cycle in CE Manager, with supervisor review
Advisor transitions keyed account by account
Whole books imported with Bulk Transitions from one multilingual template, validated before import
Regulatory Map
Mapped to CIRO Rules
and the Client Focused Reforms
Obligation
How Four Eyes Helps
Know your client
KYC is collected at account opening and kept current through materiality-based reviews, with material changes routed for supervisor approval.
Know your product and suitability
Products are researched and compared at the point of sale, and suitability is checked against the client’s KYC before the trade in Pre-Trade Analyzer.
Trade supervision
Risk7 screens every trade against 135+ exception types, with thresholds set by line of business.
Complaint handling
Complaints are tracked against CIRO timelines from intake to close, with ComSet filing and a redress ledger.
Continuing education
Advisor CE is tracked across the CIRO cycle, with FINRA mapping for dual-registered advisors.
Exam readiness
Every review and decision logs the reviewer’s identity and timestamp.
Proven at Scale
$1.6 Billion Re-Papered in Six Days
An independent wealth firm used Bulk Transitions to re-paper 900 clients and $1.6 billion in assets in six days, removing data entry and verification work equivalent to 35 full-time staff.
Frequently Asked Questions
Compliance Lifecycle Platform for Investment Dealers
What is compliance workflow software for investment dealers?
Software that manages an investment dealer’s client compliance lifecycle in one place. For independent CIRO investment dealers (formerly IIROC members), including dealers with dual-registered (CIRO and FINRA) advisors, Four Eyes Financial covers digital account opening, KYC maintenance, know-your-product and point-of-sale records, pre-trade suitability, trade surveillance, complaints, cases and continuing education on one connected data layer.
How does Four Eyes support the Client Focused Reforms?
Across the client lifecycle, from account opening onward. KYC is collected at account opening and kept current with KYC Maintenance, Product Research & Point of Sale records KYP, suitability and the alternatives considered, and Pre-Trade Analyzer checks suitability before the trade, all with exam-ready records.
Which CIRO obligations does it cover?
Know your client: KYC is collected at account opening and kept current through materiality-based reviews. Know your product and suitability: products are compared at the point of sale and suitability is checked before the trade. Trade supervision: Risk7 screens every trade against 135+ exception types, with thresholds by line of business. Complaint handling: complaints are tracked against CIRO timelines with ComSet filing. Continuing education: advisor CE is tracked across the CIRO cycle. Exam readiness: every review and decision logs the reviewer’s identity and timestamp.
Can advisors check suitability before placing a trade?
Yes. Advisors use Pre-Trade Analyzer to model changes and check a proposed trade or portfolio against the client’s KYC, risk tolerance and target allocation before placing the order.
Does it work with multiple custodians?
Yes. Digital Onboarding opens accounts across custodians with custodian-specific rules and account types, and Risk7 ingests books of record from multiple custodians daily.
Can we onboard an advisor’s entire book at once?
Yes. Bulk Transitions imports a book from a multilingual template and validates every record before import. One independent wealth firm re-papered 900 clients and $1.6 billion in assets in six days.
How are CIRO complaint timelines tracked?
Client Complaints tracks each complaint against CIRO deadlines from intake to close, with ComSet filing and a redress ledger.
How are compliance issues escalated and resolved?
With Case Management. Inquiries from Risk7 alerts, complaints and reviews are routed to the right reviewer, deadlines are tracked, and secondary approval is required before a case closes.
Can we set different surveillance thresholds for different businesses?
Yes. Thresholds can be set by line of business, so brokerage and private wealth, or retail and discretionary (managed) accounts, are each reviewed against the right parameters on one instance.
How is client data protected?
Every firm runs on its own single-tenant instance with unique encryption keys, hosted in Canada, with SOC 2 Type II controls independently audited by Aprio LLP, headquartered in Atlanta, Georgia.
Is the platform multilingual?
Yes. Clients complete account opening and KYC updates in their preferred language, and advisors, associates, supervisors and analysts can each choose the language they work in within the platform.
Built for Independent Dealers
See Four Eyes for Your Dealership
Book a walkthrough built around your custodians, lines of business and CIRO obligations.