Know Your Product (KYP)
Research, Compare and Document Recommendations
Product Research & Point of Sale is know your product compliance software for CIRO, FINRA and SEC regulated firms. Advisors screen and compare products against their category peers, record the client’s suitability requirements and alternatives considered, attest to the recommendation and deliver Fund Fact Sheets, all in one exam-ready record.
Screen against category peers
Attest suitability at the point of sale
Deliver Fund Fact Sheets in English or French
Product Research & Point of Sale
Know Your Product
Before You Recommend It
Search & Screening
Find any fund, ETF or equity by name or ticker and narrow results by type, platform, manufacturer, risk rating, MER, AUM, volatility and category.
Comparison Products
Indicators flag where a product’s performance, risk or fees differ from its category peers.
Multi-Product Comparative Analysis
Benchmark up to 10 products simultaneously across performance metrics, risk profiles, fee structures, asset allocation, sector exposure, and top holdings.
Four Eyes Cue Insights
AI summaries, risk commentary and plain-language answers about any fund, with references to the underlying data.
Point-of-Sale Attestation
Record the client’s suitability requirements and the alternatives considered, then attest that the recommendation puts the client’s interest first.
Fund Fact Sheet Delivery
Deliver Fund Fact Sheets by email in English or French, with the delivery method, date and language logged to the client record.
The KYP Workflow
Six Steps from Research to Recommendation
With know your product compliance software, a controlled, repeatable path takes every recommendation from first search to a documented, exam-ready decision.
Step 1
Search
Find products by name or ticker and save favorites for quick access.
Step 2
Screen
Filter by type, platform, manufacturer, risk rating, MER, volatility and category.
Step 3
Compare
Compare up to 10 products side by side against their category median.
Step 4
Recommend
Record suitability requirements, alternatives considered and the criteria used.
Step 5
Deliver
Email Fund Fact Sheets in English or French, with the method, date and language logged.
Step 6
Review
Compliance reviews point-of-sale history by region or advisor group.
Product Comparison
Review Every Comparison
Before It Reaches the Client
Compare up to 10 products across fund overview, fees, performance, risk statistics, asset and geographic allocation, sector weightings and top holdings. Assistants can prepare comparisons for an advisor’s review, and every saved comparison stays in history to reopen, refine or share with the client.
Up to 10 products in one view
Assistant-prepared, advisor-reviewed
Saved comparisons on record
Medium risk, income with moderate growth, 10+ year horizon
Harbor Canadian Equity F, Westline Income F
Lower MER, lower overlap with existing holdings, risk within KYC
Point of Sale
Document the Recommendation,
Not Just the Trade
Before a product is recommended, the advisor records the client’s suitability requirements, the reasonable range of alternatives considered and the criteria used, then attests that the recommendation is suitable and puts the client’s interest first.
Firm-configured suitability criteria
Alternatives considered on record
Advisor attestation
AI-Native Research
Explain Every Fund
in Plain Language
Four Eyes Cue summarizes comparisons, highlights strengths and client fit, and answers fund questions with confidence ratings and references. Advisors then turn the result into a branded client comparison in English or French.
AI comparison summaries
Fund Q&A with references
Branded client comparisons
Supervisory Oversight
Complete Point-of-Sale
Audit Trail
Every point-of-sale decision is permanently recorded. Compliance teams can filter searches, comparisons, and recommendations by region or advisor group, and instantly open an exact, integrity-verified replica of what the client received.
History by region or advisor group
Client product comparisons retained
Integrity-checked records
Frequently Asked Questions
Know Your Product Compliance Software
What is know your product compliance software?
Know your product compliance software documents how products are researched and recommended. Four Eyes Product Research & Point of Sale lets advisors screen and compare products against their category peers, record why a product suits the client and deliver Fund Fact Sheets, so every recommendation leaves an exam-ready record.
How does it support CIRO KYP and Reg BI care obligations?
Product Research & Point of Sale captures the evidence regulators expect for KYP and Reg BI. In Canada it supports CIRO know-your-product and suitability obligations under the Client Focused Reforms, and in the US it supports the care obligation under the SEC’s Regulation Best Interest, recording the client’s suitability requirements, the reasonable range of alternatives considered and the advisor’s attestation that the recommendation puts the client’s interest first.
What is recorded at the point of sale?
The full recommendation is recorded at the point of sale. Each record captures the recommended and compared products, the client’s suitability requirements, the alternatives considered, the criteria used, the Fund Fact Sheet delivery details and the advisor’s attestation, and a note is added to the client’s communication history automatically.
What is a point-of-sale attestation?
A recorded confirmation, made when a product is recommended, that the advisor assessed the client’s suitability requirements, considered a reasonable range of alternatives, and determined the recommendation puts the client’s interest first. In Four Eyes it is captured with the recommendation and stored in the client’s record.
How are Fund Fact Sheets delivered?
Fund Fact Sheets are delivered by email, in English or French. Fund Fact Sheets (the regulatory Fund Facts document) are sent as part of the recommendation: advisors and assistants choose the delivery method, date, time and language, can copy themselves on the email, and every delivery is logged with the recommendation.
Can assistants prepare comparisons for advisors?
Yes. Assistants research products, prepare comparisons and deliver Fund Fact Sheets, and send comparisons to the advisor’s Review tab, where the advisor completes the recommendation and attestation.
How does Four Eyes Cue help with product research?
Four Eyes Cue speeds up product research with AI. It summarizes comparisons, explains risk metrics in plain language and answers fund questions with confidence ratings and data references. Every answer reminds advisors to verify against official fund documents.
What can compliance see?
Compliance can see every search, comparison and recommendation. Supervisors review point-of-sale history by region or advisor group and open the exact client comparison that was sent, verified against the original before it is displayed. Related KYP alerts and cases flow into Case Management.
How does it relate to Product Shelf Management?
Product Research & Point of Sale and Product Shelf Management work together. Product Shelf Management governs which products the firm approves, restricts and rates, while Product Research & Point of Sale is where advisors research those products and document each recommendation.
Beyond the Recommendation
Govern the Shelf Behind Every Recommendation
Pair point-of-sale records with Product Shelf Management, so the products advisors research are approved, rated and governed, and with Pre-Trade Analyzer to check each trade against the client’s KYC before it’s placed.