AI for financial services: 144 Claude use cases

A second view before you decide

Claude argues the other side. A person weighs it and decides.

11 use cases

Highest valueBuilt at Montanaro

Writing the counter-thesis for every holding

Sets out the thesis for each company you own in a few lines, then the case against it: what would have to be true for you to be wrong, and what would show it first.

Better decisionsYou own it

ProjectSkillResearch platformSpreadsheet

By hand3 hrs

With Claude30 min

ProjectSkillResearch platformSpreadsheet

You give itYour notes on the company, the model, the latest results and the reasons you bought it.

You get backOne page per holding with the thesis, the counter-thesis, the signs that would break it and what to watch at the next results, kept in one place the whole team can see and added to when the view changes.

You stillDecide how much weight the case against deserves. Claude makes the argument as hard as it can, and the call stays with the fund manager.

Highest value

Making the case for selling, every quarter

Argues the case for selling or trimming each holding now, because research on institutional portfolios finds managers choose what to sell with far less care than what to buy.

Better decisions

ProjectSkillConnectorPortfolio systemMarket data terminal

By hand2 hr 30

With Claude25 min

ProjectSkillConnectorPortfolio systemMarket data terminal

You give itHoldings and weights, performance since purchase, the original thesis and the latest notes.

You get backA short exit case for every position, ranked by how strong it is, with the holdings whose original reason no longer holds listed first and the evidence for each.

You stillHold, trim or sell. The list starts a conversation in the investment meeting. It is never a trade instruction, and nothing is dealt on it.

A pre-mortem before a new position

Imagines it is two years on and the investment has gone badly, then writes the most likely reasons why, so the team can test them before the first purchase.

Better decisions

ChatProjectResearch platform

By hand1 hr 30

With Claude15 min

ChatProjectResearch platform

You give itThe investment case, the model and anything the analyst is worried about.

You get backThe five most plausible ways the idea fails, what each would look like early, and the questions to put to management or to the model before you buy.

You stillWeigh the risks and decide. Claude is useful because it has no stake in the idea. It can also be wrong, so its argument is a prompt rather than a verdict.

Highest value

Asking what would make this advice unsuitable

Reads the draft recommendation against the fact-find, the risk profile and the research and argues that it is wrong for this client: a missing fact, a mismatch with capacity for loss, a cheaper route.

Better decisionsKeeps clients

ProjectSkillAdviser back officeDue diligence tool

By hand1 hr

With Claude10 min

ProjectSkillAdviser back officeDue diligence tool

You give itThe draft suitability report, the fact-find, the attitude to risk and capacity for loss results, and the research.

You get backA short challenge note listing each point where the recommendation and the client's own facts do not line up, with the page it comes from and the question to put to the adviser.

You stillDecide whether the advice stands. Good paraplanners already query recommendations. This gives them the list before they start, and the adviser still signs.

Testing a switch or transfer before it is advised

Lists what the client gives up by moving: guarantees, protected tax-free cash, death benefits, exit charges, and any cheaper way to get the same result.

Better decisionsKeeps clients

ProjectSkillAdviser back officeProvider portal

By hand1 hr 30

With Claude15 min

ProjectSkillAdviser back officeProvider portal

You give itProvider letters and policy documents for the existing plan, and the draft recommendation.

You get backA table of features lost and kept, each one marked as covered in the report or not, with suggested wording where something that matters is missing.

You stillJudge whether the move is in the client's interest. The FCA has found files where lost guarantees were not weighed, and the decision and the report are the adviser's.

Stress-testing the cashflow plan

Questions the growth, inflation, spending and longevity assumptions in a cashflow plan and shows what happens to the plan if each one turns out wrong.

Better decisionsKeeps clients

ChatProjectCashflow planning

By hand1 hr

With Claude15 min

ChatProjectCashflow planning

You give itThe cashflow output, the assumptions behind it and the client's objectives.

You get backThe assumptions carrying the plan, a plausible downside for each, and the year the plan runs short under it, in words you can put to the client.

You stillChoose the assumptions and explain them to the client. Claude shows which ones the plan depends on, while your cashflow tool does the modelling itself.

Highest value

Challenging the credit paper before committee

Reads the credit paper against the application, the valuation and the bank statements and argues the case for declining: weak points, missing evidence, claims the documents do not support.

Better decisions

ProjectSkillLoan originationFile storage

By hand1 hr 30

With Claude15 min

ProjectSkillLoan originationFile storage

You give itThe draft credit paper, the application pack, the valuation and your lending policy.

You get backA challenge note for the committee: each weak point, where in the pack it comes from, the question to ask the underwriter, and any exception to policy the paper does not flag.

You stillMake the credit decision. The committee weighs the challenge, minutes its answer and decides. Claude never scores, approves or declines a loan.

Testing the exit on a bridging or development loan

Sets the borrower's exit against the valuation, the term and the market evidence, and works out what happens if the sale or refinance takes longer or achieves less.

Better decisions

ChatProjectLoan originationSpreadsheet

By hand1 hr

With Claude15 min

ChatProjectLoan originationSpreadsheet

You give itThe application, the valuation, the exit evidence and the proposed term.

You get backThe exit as proposed, a slower version and a cheaper version, the date and value at which the loan stops being covered, and the evidence still needed.

You stillDecide whether the exit is credible. Your underwriter knows the borrower and the local market. Claude makes sure the awkward version has been written down.

Checking a case against your lending policy

Reads the case against your lending policy and each underwriter's mandate, and lists every exception so none reaches committee or a signature without being flagged.

Better decisionsSaves time

SkillProjectLoan origination

By hand45 min

With Claude10 min

SkillProjectLoan origination

You give itThe case, your lending policy and the mandate levels.

You get backA list of every policy point the case touches, marked within policy, outside policy or not evidenced, with the clause and the mandate needed to approve it.

You stillApprove the exceptions or decline. The policy and the mandates are yours. Claude reads them more patiently than anyone at five on a Friday.

Highest value

Checking the recommendation against the fact-find

Reads the recommendation and the reasons why letter against the fact-find, the sourcing and the affordability, and lists anything that does not follow: a cheaper deal, a missed need, a fee not explained.

Better decisionsKeeps clients

SkillProjectCRMMortgage sourcing

By hand40 min

With Claude8 min

SkillProjectCRMMortgage sourcing

You give itThe fact-find, the sourcing results, the affordability results and the draft letter.

You get backA list of mismatches with the reason each matters and suggested wording, so the letter explains the choice in the client's own terms before it goes to the client or the file checker.

You stillStand behind the advice and sign it off. Claude checks that what you recommended follows from what you found out.

A second view on an awkward case

Reads the case the way a lender's underwriter will: the income, credit history or property points they will question, and the evidence to have ready before you submit.

Better decisionsWins work

ChatProjectCRMLender portal

By hand45 min

With Claude10 min

ChatProjectCRMLender portal

You give itThe fact-find, the client's documents and the lenders you have in mind.

You get backThe questions an underwriter is likely to ask, the documents that answer each one, and the points to explain in the submission notes before anyone asks.

You stillChoose the lender and present the case. Your experience of how each lender really behaves is the thing Claude cannot replace.

Research and coverage

Analysts keeping up with every company on the approved list.

7 use cases

Highest timeBuilt at Montanaro

Testing new information against each thesis

Checks news, results, filings and announcements for every company you own or follow against its thesis, and flags only what changes the story.

Better decisionsSaves time

Scheduled taskConnectorSkillResearch platformMarket data terminal

By hand10 hrs

With Claude1 hr

Scheduled taskConnectorSkillResearch platformMarket data terminal

You give itYour approved list, the thesis file for each company and the sources you subscribe to.

You get backA short list every fortnight of the companies where something new bears on the thesis, with the source and the part of the thesis it hits. Companies with nothing new are left off.

You stillRead what is flagged and decide whether it matters. Claude covers the whole list so the analyst's attention goes where something has changed.

Highest time

Results day: the quarter against your model

Reads the results, the call transcript and the slides against your model and last quarter's notes, and lists what moved, what management stopped saying and which assumptions need updating.

Better decisionsSaves time

ProjectConnectorClaude in ExcelResearch platformSpreadsheet

By hand3 hrs

With Claude30 min

ProjectConnectorClaude in ExcelResearch platformSpreadsheet

You give itThe results, the transcript, your model and your notes from last time.

You get backOne page per company with the numbers set against your forecasts, the changes in guidance and tone, and the assumptions that now look wrong.

You stillUpdate the model and form the view. Your terminal can summarise a call. It does not know your thesis, which is the part Claude reads against.

What management said last time, and this time

Compares several years of calls and reports for one company: guidance given and met, topics that have gone quiet, and wording that has quietly changed.

Better decisions

ProjectConnectorResearch platform

By hand1 hr 30

With Claude15 min

ProjectConnectorResearch platform

You give itThe transcripts and annual reports for the years you want to compare.

You get backA side by side of what was promised and what happened, the topics management no longer mentions, and the exact quotes, so nothing rests on a summary.

You stillJudge what the change means. A dropped topic can be nothing or everything, and only someone who knows the company can tell which.

Reading the broker notes so you read two

Reads the sell-side notes on a company and sets out where the brokers agree, where they disagree and what each is assuming.

Saves time

ProjectResearch platformEmail

By hand2 hrs

With Claude20 min

ProjectResearch platformEmail

You give itThe broker notes you receive on the company.

You get backA one page view of the consensus and the outliers, the assumptions behind each forecast, and the two notes worth reading in full.

You stillForm your own view. Broker research is an input. Claude saves the reading, and the analyst still decides what is right.

A first look at a new company

Builds a first look note from the filings, annual reports and transcripts: what the business does, how it makes money, its history and the questions to ask management.

Saves timeBetter decisions

ProjectConnectorSkillResearch platformMarket data terminal

By hand4 hrs

With Claude45 min

ProjectConnectorSkillResearch platformMarket data terminal

You give itThe company name and the documents you have, or access to your research sources.

You get backA first look note in your house format with sources for every fact, the obvious risks, and a list of what the documents do not answer.

You stillDecide whether it is worth an analyst's week. Claude does the first read. The judgement about quality and price is the team's.

Company meetings into the research record

Writes up a company meeting from rough notes or a recording in your house format, with the points that bear on the thesis marked, and prepares the questions beforehand.

Saves time

ProjectSkillCall recordingFile storage

By hand45 min

With Claude10 min

ProjectSkillCall recordingFile storage

You give itYour notes or the recording, and the thesis file for the company.

You get backA meeting note filed against the company, the points that support or challenge the thesis, and the follow ups, ready for the next meeting.

You stillRun the meeting. Reading management in the room is the job. Writing it up afterwards is not.

Screening for new ideas on your own rules

Runs your own screening rules across the market data you already pay for and lists the companies that pass, with the reason each one passed.

Better decisionsWins work

Claude in ExcelConnectorMarket data terminalSpreadsheet

By hand3 hrs

With Claude30 min

Claude in ExcelConnectorMarket data terminalSpreadsheet

You give itYour screening criteria and an export or connection to your market data.

You get backA ranked list of candidates with the numbers behind each, the ones that only just passed, and the ones that failed on a single test you may want to relax.

You stillPick which ideas get research time. The rules are your process. Claude applies them more widely than anyone has time to.

Investment committee and the portfolio

The CIO, the fund managers and whoever writes the minutes.

7 use cases

Highest time

Building the investment committee pack

Assembles the pack from the portfolio system, the risk numbers, the research notes and last meeting's actions, with everything that has changed since last time marked.

Saves time

ProjectConnectorSkillPortfolio systemSpreadsheetSlides

By hand4 hrs

With Claude40 min

ProjectConnectorSkillPortfolio systemSpreadsheetSlides

You give itExports from your portfolio and risk systems, the research notes and the last minutes.

You get backA pack in your format with positions and changes, risk against limits, ideas for discussion, outstanding actions, and a page on the points most likely to draw a challenge.

You stillChair the meeting and decide. The pack is assembled. The debate is the committee's.

Committee minutes and the action log

Writes the minutes from notes or a recording, so the decisions, the reasons and the challenge raised are on the record, and updates the action log.

Saves time

SkillProjectCall recordingFile storage

By hand1 hr

With Claude15 min

SkillProjectCall recordingFile storage

You give itYour notes or the recording, and the pack.

You get backDraft minutes recording each decision, the reasoning, the dissent and who owns each action, plus the updated action log.

You stillApprove the minutes. Allocators and the regulator read them, so a person checks every line before they are filed.

Highest valueBuilt at Montanaro

Checking how good your past calls were

Lines up every change of recommendation against what the shares did afterwards, across years of history, so the team can see which calls added value and where.

Better decisionsYou own it

Claude CodeArtifactsConnectorMarket data terminalSpreadsheet

By hand8 hrs

With Claude1 hr

Claude CodeArtifactsConnectorMarket data terminalSpreadsheet

You give itYour recommendation history and the price data for the same period.

You get backCharts and a table for each analyst and each stock showing what the shares did after every upgrade, downgrade, buy and sell, with the patterns that are worth a discussion.

You stillDraw the conclusions. This is evidence for a conversation about process. It is not a league table and nobody's pay should hang on it.

Built at Montanaro

Long-term performance across every fund

Builds a dashboard of stock and fund performance over long periods, with splits and corporate actions handled once across all the funds rather than fund by fund.

Better decisionsYou own it

Claude CodeArtifactsPortfolio systemMarket data terminal

By hand5 hrs

With Claude30 min

Claude CodeArtifactsPortfolio systemMarket data terminal

You give itHoldings history for each fund and the price data.

You get backA dashboard of how each holding and fund has done over any period you choose, and the decisions behind the best and worst contributions.

You stillUse it to look back at decisions honestly. The numbers come from your data. The lessons are the team's to draw.

Checking the portfolio against the stated process

Compares the portfolio with what you tell clients you do: style, size, sector, concentration, holdings outside the universe and limits close to breach.

Better decisionsKeeps clients

ProjectScheduled taskPortfolio systemSpreadsheet

By hand1 hr 30

With Claude15 min

ProjectScheduled taskPortfolio systemSpreadsheet

You give itHoldings, the benchmark, and the philosophy and limits you state to clients.

You get backA short note on where the portfolio sits against each stated rule, what has moved since last month, and anything a client or consultant would ask about.

You stillDecide whether it is drift or a deliberate call, and record which. Clients sack managers for drift as well as for performance.

Model portfolio changes and the client letter

Turns a decision to change a model portfolio into the rationale record, the list of clients affected, and a plain letter explaining what changed and why.

Saves timeKeeps clients

ProjectSkillAdviser back officePlatform

By hand2 hrs

With Claude20 min

ProjectSkillAdviser back officePlatform

You give itThe committee decision, the old and new models and the client list from your back office.

You get backThe rationale for the file, the clients and portfolios affected with any who need a suitability check first, and a draft client letter.

You stillApprove the letter and the rebalance. Clients with restrictions or tax issues are flagged for an adviser to look at before anything is traded.

Ten per cent drop notifications

Finds the discretionary portfolios that have fallen by 10% since the last statement and drafts the notice for each client the same day.

Keeps clients

Scheduled taskSkillPlatformEmail

By hand1 hr

With Claude10 min

Scheduled taskSkillPlatformEmail

You give itPortfolio valuations and the last statement values.

You get backThe list of portfolios that have crossed the threshold and a personal notice for each, with the fall stated plainly and what you are doing about it.

You stillSend the notices. Approval stays with the investment manager, and the client hears from a person if they call.

DDQs, RFPs and consultants

Sales, client service and whoever answers the questionnaires.

6 use cases

Highest timeBuilt at Montanaro

First draft of a due diligence questionnaire

Answers a new questionnaire from your approved answers, your policies and last year's responses, marks the source of every answer, and lists what needs someone new to answer.

Saves timeWins work

ProjectSkillDDQ libraryFile storage

By hand10 hrs

With Claude1 hr 30

ProjectSkillDDQ libraryFile storage

You give itThe questionnaire, your library of approved answers and your current policies.

You get backA completed draft in the allocator's own format, every answer tagged with its source, and a short list of questions with no approved answer, each with the person best placed to write one.

You stillApprove every answer before it goes out. New answers go back into the library once they are signed off, so the next questionnaire is quicker.

Keeping the answer library current

Goes through the approved answers after each round and flags the ones a policy change, a team change or new figures have made out of date.

Saves timeWins work

ProjectScheduled taskDDQ libraryFile storage

By hand4 hrs

With Claude40 min

ProjectScheduled taskDDQ libraryFile storage

You give itThe library, recent policy changes, team changes and the latest figures.

You get backA list of answers to refresh with the reason and a suggested rewrite for each, plus the questions that came up more than once with no approved answer.

You stillApprove the changes. An out of date answer sent to a consultant is worse than a slow one.

Highest value

Responding to an RFP

Drafts the response from your library, performance data and team biographies, including the worked example of a specific buy and sell decision that consultants now ask for.

Wins work

ProjectSkillDDQ librarySlidesFile storage

By hand15 hrs

With Claude3 hrs

ProjectSkillDDQ librarySlidesFile storage

You give itThe RFP, your library, performance data and the decision records for the examples you want to use.

You get backA full draft in their structure, the examples written up from your own records, the requirements you may not meet flagged, and a list of what each person needs to check.

You stillDecide whether to bid, and sign off every answer. The fund manager reads anything that describes the process.

Consultant and database updates

Prepares the regular updates to consultant and platform databases from your performance, holdings and team data, in each database's format.

Saves time

SkillClaude in ExcelSpreadsheetOnline portal

By hand2 hrs

With Claude20 min

SkillClaude in ExcelSpreadsheetOnline portal

You give itYour performance and holdings data and any team or process changes.

You get backThe update for each database ready to load, with anything that has changed since last time listed so it can be checked before it goes.

You stillCheck and submit. Wrong numbers in a consultant database travel a long way, so a person reviews each one.

Preparing for a consultant meeting

Builds a briefing from the consultant's past questions and notes, your recent performance and team changes, and the challenges they are most likely to raise.

Wins workKeeps clients

ProjectCRMFile storage

By hand1 hr 30

With Claude20 min

ProjectCRMFile storage

You give itNotes from past meetings, recent performance and anything that has changed in the team or process.

You get backA briefing with the likely questions and suggested answers, the numbers to have to hand, and the commitments made at the last meeting.

You stillHold the meeting. The relationship is built in the room, and Claude makes sure nobody walks in cold.

A file on every critical supplier

Builds a file on each critical supplier from its security documents, certifications and contract, so questions about your own third parties are answered from one place.

Saves timeWins work

ProjectSkillCoworkFile storageDDQ library

By hand4 hrs

With Claude45 min

ProjectSkillCoworkFile storageDDQ library

You give itSupplier security documents, certificates, contracts and your outsourcing register.

You get backOne file per supplier with the facts a questionnaire or a regulator asks about, the gaps and expiry dates, and a combined view across all of them.

You stillOwn the supplier risk. Claude gathers and keeps it current. The judgement about which suppliers are critical is yours.

Factsheets, commentary and letters

Fund managers, product and marketing, with compliance signing off.

4 use cases

Highest timeBuilt at Montanaro

Quarterly fund commentary and stock comments

Drafts the commentary for each fund and the comments on the stocks that drove it, from the performance data, the attribution and the fund managers' notes, in your house style.

Saves time

ProjectSkillAdministrator reportsSpreadsheet

By hand8 hrs

With Claude1 hr 30

ProjectSkillAdministrator reportsSpreadsheet

You give itPerformance and attribution data, the managers' notes and last quarter's commentary.

You get backA draft commentary per fund and a comment for each top contributor and detractor, with every number checked against the data and nothing written that the notes do not support.

You stillEdit it and approve it. The view is the fund manager's own, and nothing is published until compliance has signed it off.

Monthly factsheet words and a numbers check

Drafts the monthly words for each factsheet and checks every number on it against the administrator's data before compliance sees it.

Saves time

SkillClaude in ExcelFund data serviceAdministrator reports

By hand2 hrs

With Claude20 min

SkillClaude in ExcelFund data serviceAdministrator reports

You give itLast month's factsheet, the new data and the manager's comment.

You get backThe new text, and a list of every figure on the factsheet with its source and any that do not match, so errors are caught before publication.

You stillApprove it. Compliance still signs off. Fewer corrections reach them.

The investor letter

Drafts the letter to investors from the quarter's commentary, the portfolio changes and the managers' outlook, in the manager's voice.

Keeps clients

ProjectSkillFile storage

By hand4 hrs

With Claude45 min

ProjectSkillFile storage

You give itThe commentary, the portfolio changes and the manager's notes on the outlook.

You get backA draft letter in the manager's voice, the claims that need evidence marked, and separate versions if you write differently for advisers and for institutions.

You stillWrite the opinions. Claude puts the quarter in order. What the manager thinks is the reason investors read it.

Impact and sustainability reporting

Gathers the impact and sustainability measures for each holding from company reports and your engagement notes, and drafts the fund's report with every figure sourced.

Saves timeWins work

ProjectClaude in ExcelResearch platformSpreadsheet

By hand5 hrs

With Claude1 hr

ProjectClaude in ExcelResearch platformSpreadsheet

You give itCompany reports, your engagement notes and the measures your fund reports on.

You get backA table of measures per holding with the source page for each, the gaps where a company does not report, and a draft of the narrative for the report.

You stillCheck the claims and sign off. Sustainability claims must be backed by evidence under the FCA's anti-greenwashing rule, so a person checks each one.

Operations and fund oversight

Operations, oversight of the administrator, and the COO.

7 use cases

Highest time

Explaining reconciliation breaks

Reads both sides of a break, your records, the administrator's report and the trade confirmations, and explains why the numbers differ before drafting the query.

Saves time

ProjectSkillAdministrator reportsPortfolio system

By hand1 hr 30

With Claude15 min

ProjectSkillAdministrator reportsPortfolio system

You give itThe break report, your records for the positions involved and the relevant confirmations.

You get backAn explanation for each break, a draft query to the administrator with the references they need, and the breaks that look like a real error listed first.

You stillResolve the break. Your reconciliation process still does the matching. Claude does the reading that follows it.

Built at Montanaro

Daily check of shareholding disclosure limits

Checks your holdings in each company against the disclosure thresholds every morning and drafts any notification that is due.

Saves time

Scheduled taskConnectorPortfolio systemMarket data terminal

By hand45 min

With Claude5 min

Scheduled taskConnectorPortfolio systemMarket data terminal

You give itHoldings across all funds and the shares in issue for each company.

You get backA morning note saying whether any threshold has been crossed or is close, with the draft notification ready where one is due.

You stillFile the notification. The check runs every day. A person reads the result and submits anything due.

Built at Montanaro

Checking the shares in issue figures

Checks the shares in issue figure you use for each holding against the company's own announcements, so ownership percentages and disclosure checks rest on the right number.

Saves time

ConnectorSkillMarket data terminalSpreadsheet

By hand1 hr

With Claude10 min

ConnectorSkillMarket data terminalSpreadsheet

You give itYour shares in issue figures and the companies' announcements since you last checked.

You get backA list of the holdings where your figure and the company's differ, with the announcement that explains the change and the date it took effect.

You stillCorrect the record. The signed record is still the one that counts.

Built at Montanaro

The daily cash reconciliation

Reconciles cash across the funds from the bank and administrator statements and writes up the differences.

Saves time

SkillClaude in ExcelAdministrator reportsSpreadsheet

By hand35 min

With Claude5 min

SkillClaude in ExcelAdministrator reportsSpreadsheet

You give itThe day's bank and administrator cash statements.

You get backThe reconciliation, the differences with their likely cause, and anything that needs chasing.

You stillSign it off and chase what is outstanding.

Monthly oversight of the fund administrator

Drafts the oversight report on your administrator from the month's errors, late items and open queries, so service problems are written down rather than remembered.

Saves time

ProjectSkillAdministrator reportsSpreadsheet

By hand4 hrs

With Claude45 min

ProjectSkillAdministrator reportsSpreadsheet

You give itThe month's breaks, NAV issues, missed deadlines and open queries.

You get backAn oversight report showing the trend against previous months, the items to raise at the service review, and the questions to put to the administrator.

You stillRun the service review. The relationship and any escalation are yours.

Corporate actions and proxy votes

Reads each corporate action and meeting notice, summarises the options and the deadline, and drafts the voting rationale from your voting policy.

Saves time

SkillProjectVoting platformEmail

By hand1 hr

With Claude15 min

SkillProjectVoting platformEmail

You give itThe notice, your voting policy and anything the analyst has said about the company.

You get backA one page summary per event with the deadline, the options and a suggested vote with its reasoning, ready for the fund manager.

You stillDecide how to vote. Your stewardship report draws on these rationales, so the reasons are recorded at the time.

Highest valueBuilt at Montanaro

Mapping your data and what depends on it

Crawls your shared drives and spreadsheets to find which files are live, where market data flows into them and what depends on what, before anything is moved or retired.

You own itSaves time

Claude CodeFile storageSpreadsheetMarket data terminal

By hand40 hrs

With Claude4 hrs

Claude CodeFile storageSpreadsheetMarket data terminal

You give itAccess to the shared drives and the systems that feed them.

You get backA map of the files still in use, the data each one draws on, and the chain of files that would break if one were retired, so a migration starts from facts.

You stillDecide what to keep, move or retire. The map shows the consequences, and the plan belongs to IT and the business.

New clients and the fact-find

Advisers and administrators, from first meeting to signed agreement.

4 use cases

Highest time

Finding what is missing from the fact-find

Reads the fact-find, the meeting notes and the documents the client sent, and lists what is missing or contradicts itself before the paraplanner starts work.

Saves timeBetter decisions

SkillProjectAdviser back office

By hand45 min

With Claude10 min

SkillProjectAdviser back office

You give itThe fact-find, your meeting notes and the documents received.

You get backA list of missing and inconsistent information, each with why it matters to the advice, and a short message to the client asking for the rest in one go.

You stillFill the gaps with the client. Advice built on an incomplete file is where the FCA finds unsuitable outcomes, so the gaps get found first.

Reading the documents a new client sends

Reads the statements, pension letters, policy schedules and wills a client hands over and pulls out the values, charges, guarantees and dates you need.

Saves time

ProjectCoworkFile storageAdviser back office

By hand1 hr

With Claude10 min

ProjectCoworkFile storageAdviser back office

You give itThe documents, in whatever state they arrive.

You get backA table of every plan and account with value, charges, guarantees, beneficiaries and key dates, the document it came from, and anything unreadable listed for a follow up.

You stillCheck the figures that drive the advice. Claude reads the pile. The adviser still decides what matters.

Client agreement and the costs disclosure

Drafts the client agreement and the services and costs disclosure from your proposition, the service level agreed and the fee, with the costs shown in pounds.

Saves timeKeeps clients

SkillAdviser back officeE-signature

By hand30 min

With Claude8 min

SkillAdviser back officeE-signature

You give itYour proposition, the agreed service level and the fee.

You get backA personalised agreement and costs disclosure ready to sign, with the charges in pounds as well as percentages and the service promised spelled out.

You stillAgree the terms with the client. A clear statement of what they pay and what they get is what the Consumer Duty asks for.

Spotting signs of vulnerability in the file

Reads notes and emails for signs a client may be vulnerable, such as bereavement, illness or confusion about money, and records what support they may need.

Keeps clients

SkillProjectAdviser back officeEmail

By hand30 min

With Claude8 min

SkillProjectAdviser back officeEmail

You give itMeeting notes, emails and the fact-find, plus anything the client has said.

You get backA short note of the signs found, where they appear, and the adjustments to consider, recorded so the whole team sees them.

You stillTalk to the client and decide what support is right. Claude flags. People judge.

Suitability reports

Paraplanners and advisers, between the meeting and the signature.

4 use cases

Highest time

First draft of the suitability report

Writes the report in your template from the fact-find, the research and the adviser's notes, personal to the client and in plain English, with blanks where a fact is missing.

Saves time

ProjectSkillAdviser back officeDue diligence tool

By hand4 hrs

With Claude45 min

ProjectSkillAdviser back officeDue diligence tool

You give itThe fact-find, the research, the adviser's recommendation and notes, and your template.

You get backA complete draft with the client's objectives in their own words, the reasons for the recommendation, the risks and the costs, and every blank marked rather than guessed.

You stillCheck it and sign it. Report writing tools exist inside some back offices too. The adviser's name goes on the advice, so the adviser reads every line.

Highest value

Making the report readable

Rewrites a suitability report or review letter in plain English, cuts the boilerplate and checks the reading level, so the client understands what they are agreeing to.

Keeps clients

SkillAdviser back office

By hand1 hr

With Claude15 min

SkillAdviser back office

You give itThe draft report or letter.

You get backA shorter, clearer version with the key points first, the jargon explained, and a list of any changes that affect the meaning for the adviser to approve.

You stillApprove the wording. In July 2026 the FCA rated only 6% of 132 consumer documents as plain English.

Writing up the research behind the choice

Summarises why this platform, fund or provider and not the alternatives, from your research outputs, with the costs compared like for like.

Saves timeBetter decisions

ProjectDue diligence tool

By hand1 hr 30

With Claude20 min

ProjectDue diligence tool

You give itYour research tool's outputs and the centralised investment proposition you follow.

You get backA short research section for the file and the report: the options considered, the comparison of costs and features, and the reason for the choice.

You stillMake the choice. The research tool does the comparing. Claude writes it down so the reasoning survives a file check.

Highest value

Updating templates when tax or rules change

Reads a Budget, a tax change or an FCA paper and lists every paragraph in your report templates and standard letters that it affects, with a suggested rewrite for each.

Saves timeKeeps clients

ProjectSkillAdviser back officeFile storage

By hand3 hrs

With Claude30 min

ProjectSkillAdviser back officeFile storage

You give itYour templates and standard letters, and the change.

You get backA list of the paragraphs affected, the suggested new wording, and the clients whose plans may need a second look because of the change.

You stillApprove the new wording. Pensions coming into inheritance tax from April 2027 is the next example.

Annual reviews and ongoing service

Advisers, paraplanners and the team that books the reviews.

6 use cases

Highest time

Building the annual review pack

Pulls the valuations, last year's notes, the cashflow plan and what has changed into a review pack, so the meeting starts from the client's life rather than the paperwork.

Saves timeKeeps clients

ProjectSkillConnectorPlatformAdviser back officeCashflow planning

By hand3 hrs

With Claude30 min

ProjectSkillConnectorPlatformAdviser back officeCashflow planning

You give itPlatform valuations, last year's review, the cashflow plan and the client file.

You get backA review pack with performance in plain terms, changes since last year, questions to ask, and the actions from last time marked done or open.

You stillHold the review. The pack is ready. The conversation is why the client pays an ongoing fee.

Writing up the review

Drafts the review letter from the meeting notes or recording, with the client's updated circumstances, risk profile and capacity for loss, and the recommendation.

Saves time

SkillProjectAdviser back officeCall recording

By hand2 hrs

With Claude25 min

SkillProjectAdviser back officeCall recording

You give itYour notes or the recording, and the review pack.

You get backA review letter for the client and a record for the file, with any change of recommendation set out as personal advice.

You stillCheck it and sign it. This record is your evidence that the ongoing service was delivered.

Highest value

Showing every client got the service they paid for

Checks every ongoing fee client against the back office: review offered, held or declined, letter sent, and chases the ones who have not responded.

Keeps clientsSaves time

Scheduled taskSkillAdviser back officeEmail

By hand4 hrs

With Claude30 min

Scheduled taskSkillAdviser back officeEmail

You give itA back office export of ongoing fee clients and their review history.

You get backA list of clients with gaps, the reason for each, a personal chaser for those who have not replied, and a summary the compliance lead can take to the board.

You stillFix the gaps. The FCA found reviews delivered in about 83% of cases at the large firms it checked, and it expects firms to evidence delivery.

Recording why each client's review frequency is right

Drafts the reasoning for how often each client or client group is reviewed, from their needs, the fee and the service promised.

Keeps clients

ProjectAdviser back office

By hand30 min

With Claude8 min

ProjectAdviser back office

You give itYour client segments, the service levels and the fees.

You get backA short rationale per client group, the clients who do not fit their group, and wording for the file.

You stillDecide the frequency. The FCA has proposed letting review frequency follow client need, which means writing down why.

One page before every review meeting

Writes one page for the adviser before a review: what has changed, birthdays and milestones, the tax year issues, and what the client asked about last time.

Keeps clients

SkillScheduled taskAdviser back officeCalendar

By hand30 min

With Claude8 min

SkillScheduled taskAdviser back officeCalendar

You give itThe client file and last year's notes.

You get backA single page to read in five minutes before the client arrives.

You stillRemember the person. The page means the adviser walks in knowing what matters to them.

Tax year end: who needs what

Goes through the client book and lists who has unused ISA and pension allowances, gains to use, or a payment due, with the deadline for each.

Keeps clientsWins work

ProjectSkillAdviser back officePlatform

By hand8 hrs

With Claude1 hr

ProjectSkillAdviser back officePlatform

You give itA back office export of client holdings, contributions and allowances used.

You get backA list by adviser of the clients to contact before 5 April and why, with a short personal note to each.

You stillAdvise each client. The list makes sure nobody misses an allowance because the firm ran out of time.

Providers, platforms and paperwork

Administrators and paraplanners chasing providers and keying it in.

4 use cases

Highest time

Reading provider replies to letters of authority

Pulls the values, charges, fund lists, guarantees and exit penalties out of provider letters and into one standard table.

Saves time

SkillCoworkAdviser back officeFile storage

By hand45 min

With Claude8 min

SkillCoworkAdviser back officeFile storage

You give itThe provider's reply, in whatever format it arrives.

You get backA standard summary per plan with every figure the advice needs, the page it came from, and anything the provider did not answer listed for a chaser.

You stillCheck the figures that change the advice. A missed guarantee is the expensive mistake.

Chasing providers and platforms

Keeps track of every outstanding request to providers and platforms and drafts the chaser with the right references when one is overdue.

Saves time

Scheduled taskSkillAdviser back officeEmail

By hand30 min

With Claude5 min

Scheduled taskSkillAdviser back officeEmail

You give itYour list of open requests, or the back office tasks.

You get backA daily list of what is overdue, by provider, with a chaser ready for each.

You stillPick up the phone when a chaser has failed twice.

Reconciling adviser charges from the platforms

Matches the adviser charges paid by each platform against what each client agreed to pay, and lists every difference.

Saves timeKeeps clients

Claude in ExcelSkillPlatformSpreadsheet

By hand3 hrs

With Claude30 min

Claude in ExcelSkillPlatformSpreadsheet

You give itPlatform charge statements and your fee agreements.

You get backA reconciliation by client with the differences, the likely reason for each, and the clients being charged for a service the file does not show.

You stillCorrect the charges. Charging for ongoing service that is not delivered is the issue the FCA has asked firms to look back on.

Keeping the back office record right

Checks after each case that the documents are filed, the fields are updated and the notes match what happened.

Saves time

SkillAdviser back office

By hand30 min

With Claude5 min

SkillAdviser back office

You give itThe client's record and the documents from the case.

You get backA list of what is missing or wrong on the record, with the fix for each.

You stillMake the corrections. Inadequate record keeping is one of the failings the FCA lists most often.

Applications and the pipeline

Case managers and underwriters, from first submission to completion.

5 use cases

Highest time

Checking a broker submission on arrival

Reads the submission against your requirements the moment it arrives, lists what is missing or inconsistent, and drafts one reply to the broker asking for all of it.

Saves timeWins work

SkillCoworkLoan originationEmail

By hand40 min

With Claude8 min

SkillCoworkLoan originationEmail

You give itThe submission pack and your document requirements.

You get backA completeness check with every gap and inconsistency, and a single message to the broker, instead of several over a week.

You stillDecide when a case is ready for underwriting. Brokers notice a lender who asks once.

Highest time

Reading bank statements and accounts

Reads bank statements, accounts and tax returns and pulls out income, outgoings, commitments and anything unusual into your affordability template.

Saves timeBetter decisions

SkillClaude in ExcelOpen bankingSpreadsheet

By hand1 hr 30

With Claude15 min

SkillClaude in ExcelOpen bankingSpreadsheet

You give itThe statements, accounts and returns, and your template.

You get backThe figures in your template with the source page for each, the transactions worth asking about, and any commitments the application does not mention.

You stillJudge affordability. Claude reads the documents. The underwriter decides what the numbers mean.

Answering broker status questions

Drafts the reply to a broker asking where a case is, from the case notes and the underwriter's last action.

Saves timeWins work

SkillLoan originationEmail

By hand15 min

With Claude3 min

SkillLoan originationEmail

You give itThe case notes.

You get backA short, accurate update with what is outstanding and who has it.

You stillSend it, or call when the news is bad.

Reading the valuation against the application

Compares the valuation report with the application: property type, tenure, condition, comparables and any conditions the valuer has added.

Better decisionsSaves time

SkillLoan originationFile storage

By hand45 min

With Claude10 min

SkillLoan originationFile storage

You give itThe valuation report and the application it relates to.

You get backA list of every difference between the two and every condition or caution in the report, with what each means for the offer.

You stillDecide what to do about it. The valuer's caveats are easy to miss on page eleven.

Tracking conditions before completion

Builds the checklist of conditions from the offer and the solicitor's report on title, and tracks each one until it is met.

Saves time

SkillScheduled taskLoan managementEmail

By hand1 hr

With Claude10 min

SkillScheduled taskLoan managementEmail

You give itThe offer, the solicitor's report and every letter since.

You get backA live checklist of conditions with what has arrived, what is outstanding and who has it, and a chaser for each item that is late.

You stillRelease the funds. Nothing completes until a person has confirmed every condition is met.

Underwriting and credit papers

Underwriters, credit analysts and the credit committee.

4 use cases

Highest time

First draft of the credit paper

Drafts the credit paper in your format from the application, the valuation, the statements and the underwriter's notes, with the conditions and the policy exceptions set out.

Saves time

ProjectSkillLoan originationFile storage

By hand3 hrs

With Claude40 min

ProjectSkillLoan originationFile storage

You give itThe case pack, the underwriter's notes and your credit paper template.

You get backA draft paper with the facts, the security, the affordability, the risks and mitigants and the proposed conditions, every figure tied to its source.

You stillWrite the recommendation and sign the paper. The paper is there for the underwriter's judgement. Claude does the assembly around it.

Credit committee minutes and the decision log

Writes the minutes from notes or a recording, so each decision, its conditions and the challenge raised are on the record, and updates the decision log.

Saves time

SkillCall recordingFile storage

By hand45 min

With Claude10 min

SkillCall recordingFile storage

You give itYour notes or the recording, and the papers.

You get backDraft minutes and an updated decision log, with conditions and any dissent recorded.

You stillApprove the minutes. They are what the auditor and the regulator read.

Making sense of complex income

Sets out the income of a self-employed, contractor or multi-source borrower from the documents, showing how each figure was worked out.

Better decisions

ProjectClaude in ExcelSpreadsheetFile storage

By hand1 hr

With Claude15 min

ProjectClaude in ExcelSpreadsheetFile storage

You give itAccounts, tax returns, contracts and statements.

You get backA worked income summary with each figure traced to a document, the questions the documents raise, and the ways different lenders might treat it.

You stillDecide what income to use. Manual underwriting judgement is why borrowers come to a specialist lender.

Background on a borrower's business

Builds a short background on a business borrower from its filed accounts, directors, charges and the sector, before the underwriter's call.

Better decisionsSaves time

ConnectorProjectCompanies HouseCredit file

By hand1 hr

With Claude15 min

ConnectorProjectCompanies HouseCredit file

You give itThe company name, its filings and anything the broker has sent.

You get backA two page background with the trading history, the directors and their other companies, existing charges and the questions to ask.

You stillMake the call and judge the people. The filings are public. Knowing what to ask is not.

Portfolio monitoring and reviews

Portfolio and relationship managers watching the loan book.

4 use cases

Highest value

Covenant tests and annual reviews

Runs the covenant tests from each borrower's figures and drafts the annual review paper, with any breach or near breach set out first.

Better decisionsKeeps clients

Claude in ExcelSkillLoan managementSpreadsheet

By hand2 hrs

With Claude25 min

Claude in ExcelSkillLoan managementSpreadsheet

You give itBorrower management accounts, the facility terms and last year's review.

You get backCovenant calculations with the working shown, a draft review paper, and the borrowers to talk to before the next test.

You stillDecide what to do about a breach, because the relationship manager knows whether it is a bad quarter or a bad business.

Monitoring reports against the drawdown request

Reads the monitoring surveyor's report against the drawdown request and the cost to complete, on development loans.

Better decisions

SkillLoan managementFile storage

By hand1 hr

With Claude15 min

SkillLoan managementFile storage

You give itThe monitoring report, the drawdown request and the budget.

You get backA note of whether the work claimed matches the work seen, the change in cost to complete, and any concern to raise before funds go.

You stillApprove the drawdown. The surveyor reports. Your team decides.

Watching loans coming up to term

Lists the loans coming up to term in the next ninety days, the state of each exit, and drafts the contact to each borrower or broker.

Keeps clientsBetter decisions

Scheduled taskSkillLoan managementEmail

By hand1 hr

With Claude10 min

Scheduled taskSkillLoan managementEmail

You give itA loan book export with terms, and the latest notes on each exit.

You get backA maturity list with the exits on track and the ones at risk, and a message ready for each.

You stillDecide on extensions or recovery. An earlier conversation usually means a better outcome for the borrower.

Monthly portfolio commentary

Drafts the commentary on the loan book for the board or your funders from the portfolio exports: growth, arrears, concentration and anything that has moved.

Saves time

Claude in ExcelSkillLoan managementSlides

By hand3 hrs

With Claude30 min

Claude in ExcelSkillLoan managementSlides

You give itPortfolio exports and last month's commentary.

You get backA commentary with the numbers checked, the changes explained, and the points a board member or funder is likely to ask about.

You stillAdd the judgement and sign it off. The numbers are drafted. The view of the book is yours.

Arrears and customer support

Collections and customer support, and whoever owns the letters.

4 use cases

Highest value

Arrears letters customers can understand

Reviews each arrears and forbearance letter for plain English and against your Consumer Duty and forbearance rules, and drafts clearer versions.

Keeps clients

ProjectSkillFile storage

By hand4 hrs

With Claude45 min

ProjectSkillFile storage

You give itYour current letter templates and your forbearance policy.

You get backEach letter rewritten for clarity with the reading level before and after, the changes that affect meaning flagged, and a short version for customers in difficulty.

You stillApprove the new letters. One large retail bank found 99% of more than 650 servicing letters needed changing when it looked.

Checking an income and expenditure review

Reads the customer's income and expenditure and their statements and checks the proposed arrangement is affordable and sustainable.

Keeps clientsBetter decisions

SkillLoan managementOpen banking

By hand30 min

With Claude8 min

SkillLoan managementOpen banking

You give itThe income and expenditure form, statements and the proposal.

You get backA note on whether the arrangement looks sustainable, the figures that do not match the statements, and signposting to free debt advice where it applies.

You stillAgree the arrangement with the customer. Claude checks the arithmetic. The conversation is the collections team's.

Contact notes and the next step

Writes up a collections call from the notes or recording, with any sign of vulnerability recorded and the next step set.

Saves timeKeeps clients

SkillLoan managementCall recording

By hand15 min

With Claude3 min

SkillLoan managementCall recording

You give itThe notes or recording of the call.

You get backA contact note in your format, the vulnerability flags, and the next action with its date.

You stillMake the call and listen. Notes are what show the customer was treated fairly.

Checking forbearance outcomes

Reads a sample of arrears cases and checks that options were considered, vulnerable customers were supported and outcomes were good.

Keeps clients

ProjectSkillLoan managementFile storage

By hand4 hrs

With Claude45 min

ProjectSkillLoan managementFile storage

You give itA sample of case files and your forbearance policy.

You get backA review of each case against the policy, the themes across the sample, and the cases to put right.

You stillDecide the remediation. The review is the evidence your board report needs.

Capital, liquidity and returns

The CFO, treasury and regulatory reporting.

5 use cases

Highest value

Drafting the ICAAP and ILAAP

Drafts the narrative of your capital and liquidity assessments from the numbers, last year's documents and what has changed in the business and the rules.

Saves time

ProjectSkillRegulatory reportingSpreadsheet

By hand40 hrs

With Claude8 hrs

ProjectSkillRegulatory reportingSpreadsheet

You give itLast year's ICAAP and ILAAP, the new figures and stress results, and the board's risk appetite.

You get backA draft of each document with the changes from last time marked, every figure tied to its source, and the questions a board member or the PRA is likely to ask.

You stillOwn the assessment. The board approves it and the CFO answers for it. The simpler regime for small banks starts on 1 January 2027.

Variance notes on the regulatory returns

Compares each return with the last one and drafts the explanation of every movement above your threshold, before it is submitted.

Saves time

Claude in ExcelSkillRegulatory reportingSpreadsheet

By hand2 hrs

With Claude20 min

Claude in ExcelSkillRegulatory reportingSpreadsheet

You give itThis period's and last period's returns, and the management accounts.

You get backA variance note for each movement worth explaining, and any figure that looks wrong flagged before submission.

You stillCheck and submit. The return is the firm's, signed by a senior manager.

Working out what the 2027 rules change

Reads the PRA's policy statements for small banks and building societies and lists what changes for your returns, policies and documents, and by when.

Saves time

ProjectFile storage

By hand8 hrs

With Claude1 hr 30

ProjectFile storage

You give itThe policy statements and your current policies and returns list.

You get backA table of changes with the date, the document or return affected and the owner, and a draft plan for the board.

You stillDecide the plan. Claude reads the rules. Your CFO and risk lead decide how the firm meets them.

Management accounts commentary

Drafts the commentary on the monthly management accounts: income, margin, costs and impairments against budget, with the reasons for each variance.

Saves time

Claude in ExcelSkillAccountingSpreadsheet

By hand3 hrs

With Claude30 min

Claude in ExcelSkillAccountingSpreadsheet

You give itThe management accounts and the budget.

You get backA commentary with each variance explained, the trends worth the board's attention, and the questions it raises.

You stillAdd the view and sign it off.

ALCO and risk committee papers

Assembles the asset and liability committee and risk committee papers from treasury, credit and risk data, with the points for decision first.

Saves time

ProjectSkillCore bankingSpreadsheetSlides

By hand3 hrs

With Claude30 min

ProjectSkillCore bankingSpreadsheetSlides

You give itTreasury and risk exports and the last minutes.

You get backCommittee papers in your format with metrics against appetite, what has changed and what needs a decision.

You stillChair the committee and decide.

Enquiries and the fact-find

Advisers and the team that books them in.

4 use cases

Highest value

A same-day reply to every new enquiry

Drafts a personal reply to each new enquiry the same day, with what to send, how the process works and when you can talk.

Wins workKeeps clients

SkillConnectorCRMEmailCalendar

By hand20 min

With Claude4 min

SkillConnectorCRMEmailCalendar

You give itThe enquiry and your booking calendar.

You get backA reply in your voice with a document list matched to the client's situation and two or three times to speak.

You stillSend it and take the call. In a 2026 survey of first-time buyers, fewer than half heard back from a broker within two days.

Highest time

Reading client documents into the fact-find

Reads payslips, bank statements, tax calculations and ID and pre-fills the fact-find, flagging gaps and anything that does not agree with what the client said.

Saves time

SkillCoworkCRMFile storage

By hand1 hr

With Claude10 min

SkillCoworkCRMFile storage

You give itThe documents the client has sent and your fact-find format.

You get backA pre-filled fact-find with the source for each figure, the gaps and inconsistencies listed, and a message asking the client for what is missing.

You stillConfirm the facts with the client. A fact-find is advice evidence, so the adviser checks it.

Chasing clients for documents

Tracks what each client still owes you and sends a friendly, specific chaser before the case stalls.

Saves time

Scheduled taskSkillCRMEmailMessaging

By hand20 min

With Claude4 min

Scheduled taskSkillCRMEmailMessaging

You give itYour pipeline and the documents outstanding on each case.

You get backA daily list of chasers, each naming exactly what is missing and why it is needed.

You stillCall the clients who have gone quiet.

What a lender will see in the bank statements

Reads three months of statements the way an underwriter will: gambling, payday loans, undisclosed commitments and returned payments.

Better decisionsWins work

SkillOpen bankingFile storage

By hand30 min

With Claude8 min

SkillOpen bankingFile storage

You give itThe client's bank statements.

You get backA list of the transactions an underwriter is likely to ask about, so you can talk to the client before submission rather than after a decline.

You stillHave the conversation with the client. It is easier before submission than after a decline.

Sourcing, criteria and the letter

Advisers working out which lender will say yes, and writing it up.

5 use cases

Highest time

Cross-checking criteria for an awkward case

Reads lender criteria guides, the sourcing results and your notes from business development managers, and lists the lenders likely to accept the case with the clause that says so.

Saves timeWins work

ProjectClaude in ChromeMortgage sourcingCriteria tool

By hand1 hr

With Claude15 min

ProjectClaude in ChromeMortgage sourcingCriteria tool

You give itThe case details, the sourcing output and the criteria documents for the lenders you use.

You get backA shortlist of lenders with the criteria wording for each, the points that need confirming with the lender, and the ones ruled out and why.

You stillChoose the lender. Your sourcing system finds products. Reading criteria across lenders for an unusual case is where the time goes.

Highest time

Drafting the reasons why letter

Drafts the recommendation letter from the fact-find, the sourcing results and the adviser's notes, explaining the choice in the client's terms.

Saves time

SkillProjectCRMMortgage sourcing

By hand45 min

With Claude10 min

SkillProjectCRMMortgage sourcing

You give itThe fact-find, the sourcing results and your notes.

You get backA letter covering the needs, the product, why it beats the alternatives considered, the fees and the risks, ready for the adviser to check.

You stillCheck and sign. The recommendation is yours and so is the letter.

Comparing affordability results

Collects the affordability results from several lenders' calculators and explains why they differ, so you can explain it to the client.

Saves time

Claude in ChromeSkillLender portalSpreadsheet

By hand45 min

With Claude10 min

Claude in ChromeSkillLender portalSpreadsheet

You give itThe calculator outputs and the inputs used.

You get backA comparison table with the reason each lender came out where it did and a short explanation for the client.

You stillAdvise on how much to borrow, which is a different question from how much a lender will lend.

Re-sourcing when a product is withdrawn

When a lender pulls or reprices a product, lists the cases in your pipeline affected and the nearest alternatives for each.

Keeps clientsSaves time

SkillScheduled taskCRMMortgage sourcing

By hand30 min

With Claude8 min

SkillScheduled taskCRMMortgage sourcing

You give itThe lender's notice and your pipeline.

You get backThe affected cases, the alternatives found and a message to each client explaining what has changed.

You stillAdvise each client on what to do next.

Questions for the lender before you submit

Writes the scenario for a lender's business development manager or helpdesk with the exact questions that decide whether they will lend.

Saves time

ChatEmail

By hand20 min

With Claude5 min

ChatEmail

You give itThe case details.

You get backA short, anonymised scenario and the questions to ask, so you get a usable answer first time.

You stillMake the call and record the answer.

Submission and progression

Case managers, each with a pipeline of a hundred or more cases.

4 use cases

Highest value

Checking the application before it goes in

Checks the application against the documents, the fact-find and the recommendation before submission, so it is right first time.

Saves timeWins work

SkillCRMLender portal

By hand30 min

With Claude8 min

SkillCRMLender portal

You give itThe application, the fact-find and the documents.

You get backA list of every mismatch between the application and the evidence, ranked by how likely it is to cause a query.

You stillSubmit the case. Right first time is how case managers are measured.

Highest time

Tracking every case from the lender and solicitor emails

Reads the emails from lenders, solicitors and surveyors each day, updates where each case stands and lists the ones that have stalled.

Saves time

Scheduled taskConnectorCRMEmail

By hand1 hr

With Claude10 min

Scheduled taskConnectorCRMEmail

You give itYour pipeline and the case mailbox.

You get backA daily pipeline view with what changed overnight, the cases stuck and why, and the chasers to send.

You stillChase the cases that matter most today. With 100 or more cases each, nobody can hold the pipeline in their head.

Updating clients and estate agents

Drafts a short update to the client and the estate agent whenever a case moves, from the case notes.

Keeps clientsWins work

SkillCRMEmailMessaging

By hand20 min

With Claude4 min

SkillCRMEmailMessaging

You give itThe case notes and the contacts.

You get backShort updates in plain English with what has happened and what comes next.

You stillSend them, and call when the news is bad.

Checking the offer against the recommendation

Reads the mortgage offer against the recommendation and the application and lists anything that differs: rate, term, fees, conditions.

Keeps clients

SkillCRMFile storage

By hand20 min

With Claude5 min

SkillCRMFile storage

You give itThe mortgage offer, your recommendation and the application as submitted.

You get backA short note confirming the offer matches, or listing each difference and what to do about it.

You stillExplain the offer to the client.

Protection

Advisers and protection specialists.

4 use cases

Highest value

Showing the client their protection gap

Works out from the fact-find what would happen to the mortgage payments and the household if the client died, fell ill or could not work, and writes it on one page.

Keeps clientsWins work

SkillCRM

By hand45 min

With Claude10 min

SkillCRM

You give itThe fact-find and any existing cover.

You get backA one page summary of the gap in plain terms, with what existing cover pays and what it does not.

You stillAdvise on what cover is right. The FCA found 58% of people hold no protection at all.

Reading existing policies before replacing them

Reads the client's existing policies and lists what they would lose by replacing them: definitions, guarantees, premiums, conditions already covered.

Better decisionsKeeps clients

SkillProjectProtection portalFile storage

By hand45 min

With Claude10 min

SkillProjectProtection portalFile storage

You give itThe existing policy documents.

You get backA comparison of the old cover and the proposed cover, and the points the recommendation must address.

You stillDecide whether replacing it is right for the client.

Preparing for the insurer's questions

Prepares the client for the medical and lifestyle questions an insurer will ask, so the answers are complete and nothing is missed.

Keeps clients

SkillProtection portal

By hand30 min

With Claude8 min

SkillProtection portal

You give itThe fact-find and the insurer's application questions.

You get backA list of the questions the client should expect and the details to have ready.

You stillTake the client through the application. Full disclosure is what makes a claim pay out.

A protection review at every remortgage

Flags every remortgage and product transfer where the client's protection has not been reviewed, with what has changed since.

Keeps clientsWins work

Scheduled taskCRM

By hand15 min

With Claude3 min

Scheduled taskCRM

You give itYour pipeline and the protection records.

You get backA list of clients due a protection conversation, with the reason.

You stillHave the conversation.

Rate expiries and keeping clients

Advisers and the client care team.

3 use cases

Highest value

The rate expiry list, six months out

Lists every client whose deal ends in the next six months, what has changed for them since, and drafts a personal message to each.

Keeps clients

Scheduled taskSkillCRMEmail

By hand2 hrs

With Claude15 min

Scheduled taskSkillCRMEmail

You give itYour CRM, with completion dates and products.

You get backA monthly list by adviser with each client's expiry date, what may have changed, and a message in your voice ready to send.

You stillAdvise each client on staying or moving. The client you already have is the easiest to lose.

Product transfer or remortgage: the file note

Sets out the comparison between staying with the lender and remortgaging, with the costs of each, for the client and the file.

Keeps clients

SkillCRMMortgage sourcing

By hand30 min

With Claude8 min

SkillCRMMortgage sourcing

You give itThe current deal, the transfer offer and the sourcing results.

You get backA short comparison and a file note recording why the advice was given.

You stillAdvise and sign.

Keeping in touch with past clients

Picks the past clients for whom something relevant has changed, such as a rate move, an anniversary or a life event they told you about, and drafts a short note.

Keeps clientsWins work

Scheduled taskSkillCRMEmail

By hand1 hr

With Claude10 min

Scheduled taskSkillCRMEmail

You give itYour client records.

You get backA short list of clients to contact this month and a personal note for each.

You stillSend the notes you would send yourself if you had time.

Consumer Duty and client outcomes

The board and whoever owns the Consumer Duty evidence.

7 use cases

Highest value

Drafting the Consumer Duty board report

Drafts the board report from your outcomes data, complaints, file checks and actions, and tests whether each conclusion is supported by the numbers behind it.

Keeps clientsSaves time

ProjectSkillCompliance softwareSpreadsheet

By hand20 hrs

With Claude4 hrs

ProjectSkillCompliance softwareSpreadsheet

You give itYour outcomes data, complaints and file check results, last year's report and the actions taken.

You get backA draft report in the FCA's structure, each conclusion tied to its evidence, the thresholds that need a reason written down, and the questions a board member should ask.

You stillChallenge it and approve it. The FCA has said boards should not be a rubber stamp, so record the questions asked in the minutes.

Highest value

Testing customer documents for plain English

Checks letters, key documents and web pages for plain English and reading level, and drafts clearer versions with the meaning kept.

Keeps clients

SkillProjectFile storage

By hand2 hrs

With Claude20 min

SkillProjectFile storage

You give itThe letters, documents and pages you send to customers.

You get backA score for each document before and after, a clearer draft, the sentences most likely to confuse, and the changes that affect meaning flagged for approval.

You stillApprove the new wording, and test it with real customers too. The FCA rated 6% of 132 documents plain English in July 2026.

The fair value assessment

Drafts the fair value assessment for each product or service from your charges, costs, the service delivered and the outcomes data.

Keeps clients

ProjectClaude in ExcelSpreadsheetCompliance software

By hand8 hrs

With Claude1 hr 30

ProjectClaude in ExcelSpreadsheetCompliance software

You give itCharges and costs, service levels and the outcomes data for each product or service.

You get backA draft assessment per product with the evidence for each conclusion, the customer groups where value looks weakest, and the actions to consider.

You stillDecide whether the product offers fair value. Claude assembles the case and the firm owns the conclusion.

The annual assessment of value

Gathers performance, costs, peer data, service evidence and board minutes for each fund and drafts the assessment, with the weak points flagged for the fund board.

Keeps clients

ProjectClaude in ExcelFund data serviceSpreadsheet

By hand16 hrs

With Claude3 hrs

ProjectClaude in ExcelFund data serviceSpreadsheet

You give itPerformance and cost data, peer comparisons, the service evidence and last year's assessment for each fund.

You get backA draft assessment per fund with the evidence behind each conclusion, the funds where value is in question, and the challenges the independent directors should raise.

You stillThe fund board decides whether each fund offers value. The FCA has criticised independent directors who accept information at face value.

Outcomes MI that says what it means

Writes the commentary on your monthly outcomes data, saying what each movement means for customers rather than restating the numbers.

Keeps clientsSaves time

SkillClaude in ExcelSpreadsheetCompliance software

By hand4 hrs

With Claude45 min

SkillClaude in ExcelSpreadsheetCompliance software

You give itThe month's outcomes data and last month's commentary.

You get backA commentary with each change explained, the outcomes below your threshold with a likely cause, and the actions to propose.

You stillAct on what it shows. In 2026 the FCA found board reports that presented data without saying what it meant for customers.

Comparing outcomes for vulnerable customers

Compares outcomes for customers with characteristics of vulnerability against everyone else, and lists where the gap is.

Keeps clients

Claude in ExcelSkillSpreadsheetCRM

By hand3 hrs

With Claude30 min

Claude in ExcelSkillSpreadsheetCRM

You give itOutcomes data with your vulnerability flags.

You get backA comparison by outcome and customer group, the gaps worth investigating, and the cases behind them.

You stillDecide what to change. The FCA has seen firms describe their support while their own data showed fewer than half getting good outcomes.

Target market and distribution strategy

Drafts the target market statement and the distribution strategy for a product, and checks them against who is actually buying it.

Keeps clients

ProjectSpreadsheet

By hand2 hrs

With Claude20 min

ProjectSpreadsheet

You give itThe product, current statements and data on who holds it.

You get backUpdated statements with the reasoning set out, and a list of customers outside the target market to look at.

You stillApprove the strategy. The FCA found generic target market explanations in its July 2026 review.

Complaints and the ombudsman

Complaints handlers and the compliance lead.

3 use cases

Final response letters

Drafts the final response from the complaint, the file and your investigation notes, answering each point in plain English within the eight week deadline.

Keeps clientsSaves time

ProjectSkillCRMFile storage

By hand1 hr 30

With Claude20 min

ProjectSkillCRMFile storage

You give itThe complaint, the file and your investigation notes.

You get backA draft final response that answers every point the customer raised, with the referral rights set out and any redress worked out.

You stillDecide the outcome and sign the letter. The investigation and the decision are the complaints handler's.

Highest value

Root causes across the complaints log

Reads every complaint in the period and groups them by root cause, not by product, so the board sees what is causing them.

Keeps clientsBetter decisions

ProjectClaude in ExcelCRMSpreadsheet

By hand3 hrs

With Claude30 min

ProjectClaude in ExcelCRMSpreadsheet

You give itThe complaints log and the case notes.

You get backThe root causes ranked by volume and harm, examples of each, and the process changes that would remove them.

You stillFix the causes. The analysis feeds the Consumer Duty board report.

Preparing a case file for the ombudsman

Builds the file for a Financial Ombudsman Service case: the timeline, the evidence, your reasoning and the rules that applied at the time.

Keeps clients

ProjectSkillFile storage

By hand4 hrs

With Claude45 min

ProjectSkillFile storage

You give itThe complaint file, the correspondence and your final response.

You get backA chronology, an evidence index, and a draft submission explaining why your final response was fair and reasonable at the time.

You stillDecide whether to settle or defend. The ombudsman upheld about 30% of complaints in 2025 to 2026.

Compliance monitoring and file checks

The compliance officer, often part time, and the file checkers.

7 use cases

Highest time

Checking every file, not a sample

Reads each advice file against your checklist and the rules, and ranks the files by risk so the file checker spends their time on the worst.

Keeps clientsSaves time

SkillCoworkAdviser back officeCompliance software

By hand1 hr

With Claude10 min

SkillCoworkAdviser back officeCompliance software

You give itThe files and your file check checklist.

You get backA risk rating for every file, the specific gaps in each, and the files to check by hand first.

You stillCheck the high risk files and decide the outcome. In one FCA review, 15 of 67 advice files lacked information needed to judge suitability.

The compliance monitoring plan and report

Drafts the monitoring plan from your risk assessment and last year's findings, and the quarterly report on what monitoring found.

Saves time

ProjectSkillCompliance softwareSpreadsheet

By hand8 hrs

With Claude1 hr 30

ProjectSkillCompliance softwareSpreadsheet

You give itYour risk assessment, last year's plan and the monitoring results.

You get backA risk based plan with the tests and their timing, and a quarterly report with findings, actions and overdue items.

You stillApprove the plan and own the findings. Often the compliance officer is one or two days a week, which is where this saves most.

Highest value

What this FCA paper means for us

Reads a new FCA or PRA publication and maps it to your policies, procedures and products, with what needs to change and who owns it.

Saves time

ProjectScheduled taskFile storage

By hand3 hrs

With Claude30 min

ProjectScheduled taskFile storage

You give itThe publication, and your policies and procedures.

You get backA short note: what the paper says, whether it applies to you, the documents affected, the changes needed, the deadline and an owner for each.

You stillDecide the response. Claude reads the paper the day it lands. Your compliance officer decides what it means for the firm.

Checking practice against policy

Reads a sample of files, emails or calls against one of your policies and reports where practice and policy differ.

Keeps clients

ProjectCoworkFile storageCompliance software

By hand4 hrs

With Claude45 min

ProjectCoworkFile storageCompliance software

You give itThe policy and the sample.

You get backEach item marked as in line or not, with the evidence, the themes across the sample, and the policy wording that may itself need changing.

You stillDecide the actions.

Breach records and the reporting decision

Records a breach or incident from the first report and drafts the assessment of whether it needs reporting to the regulator, with the rules that apply.

Saves time

SkillCompliance software

By hand45 min

With Claude10 min

SkillCompliance software

You give itThe first report of what happened.

You get backA breach record, the assessment against the reporting rules, and a draft notification if one is needed.

You stillDecide whether to report. The senior manager responsible makes the call.

Personal account dealing and gifts

Checks each personal dealing request against the restricted list, recent fund dealing and your policy, and drafts the approval or refusal.

Saves time

SkillOrder managementSpreadsheet

By hand20 min

With Claude5 min

SkillOrder managementSpreadsheet

You give itThe request, the restricted list and recent fund trades.

You get backA recommendation to approve or refuse with the reason, and the record for the register.

You stillApprove or refuse.

Meeting the network's file standards

Checks each file against your network's checklist before it is submitted for review, so it passes first time.

Saves time

SkillCRMCompliance software

By hand30 min

With Claude8 min

SkillCRMCompliance software

You give itThe case file and the network's checklist.

You get backA pass or fail for each checklist point and the fixes needed before submission.

You stillMake the fixes and submit.

Onboarding checks and financial crime

The MLRO and the onboarding team.

6 use cases

Highest value

Challenging the source of funds story

Reads the customer's explanation of where the money came from against the documents, and sets out where the story and the evidence do not match.

Better decisions

SkillProjectAML checksFile storage

By hand1 hr

With Claude15 min

SkillProjectAML checksFile storage

You give itThe customer's explanation, the documents and the check results.

You get backA note listing each part of the story, the evidence for it, the gaps, and the questions to ask before the case goes further.

You stillDecide whether you are satisfied. The MLRO decides on anything suspicious, and no report is ever made by Claude.

The enhanced due diligence file

Assembles the enhanced due diligence file for a higher risk customer from the check results, public information and the documents supplied.

Better decisionsSaves time

ProjectConnectorAML checksCompanies House

By hand1 hr 30

With Claude20 min

ProjectConnectorAML checksCompanies House

You give itThe check results and the customer's documents.

You get backA file in your format with the risk factors, the evidence for each and the questions still open.

You stillApprove the relationship or not. Senior approval stays with a person.

The firm-wide risk assessment

Updates your business-wide money laundering risk assessment from your customer, product and channel data and the latest national and FCA guidance.

Saves time

ProjectSkillSpreadsheetFile storage

By hand16 hrs

With Claude3 hrs

ProjectSkillSpreadsheetFile storage

You give itLast year's assessment, your customer and product data, and the latest guidance.

You get backA draft assessment with each risk rated and the reasoning set out, what has changed since last year, and the controls to review.

You stillOwn the assessment. The MLRO signs it and the board approves it.

The annual MLRO report

Drafts the MLRO's annual report to the board from the year's checks, alerts, internal reports, training and changes.

Saves time

ProjectSkillAML checksSpreadsheet

By hand10 hrs

With Claude2 hrs

ProjectSkillAML checksSpreadsheet

You give itThe year's financial crime records and last year's report.

You get backA draft report with the year in numbers, the themes, the weaknesses found and the plan for next year.

You stillWrite the conclusions and present it. The view is the MLRO's.

Writing up screening alerts

Drafts the reasoning for closing or escalating each sanctions or politically exposed person alert from the match details.

Saves time

SkillAML checks

By hand20 min

With Claude5 min

SkillAML checks

You give itThe alert and the customer record.

You get backA disposition note for each alert with the reason, ready for the analyst to confirm.

You stillClear or escalate each alert. A person decides every one.

Assessing a payment fraud claim

Sets out an authorised push payment fraud claim against the reimbursement rules: the timeline, the warnings given, vulnerability and the decision due date.

Keeps clientsBetter decisions

SkillProjectCore bankingFile storage

By hand1 hr 30

With Claude20 min

SkillProjectCore bankingFile storage

You give itThe claim, the payment records and the contact notes.

You get backA case summary against each test in the rules, the evidence for each and the deadline.

You stillDecide the claim. The decision and the customer conversation are yours.

Marketing and financial promotions

Marketing, with compliance approving every promotion.

4 use cases

A first check of a financial promotion

Reads a promotion against the rules on fair, clear and not misleading communications, the risk warnings and your own approval checklist before it reaches compliance.

Saves timeWins work

SkillCompliance softwareFile storage

By hand45 min

With Claude10 min

SkillCompliance softwareFile storage

You give itThe draft promotion and your checklist.

You get backA list of the points compliance is likely to raise, with suggested fixes, so the draft that reaches them is close to approvable.

You stillApprove it. Approval of a financial promotion is a regulated decision, so a person makes it.

The client newsletter

Drafts the monthly newsletter from what has changed for clients: rates, tax, markets and the firm's news, in your voice.

Keeps clientsWins work

SkillProjectEmail marketing

By hand3 hrs

With Claude30 min

SkillProjectEmail marketing

You give itThe month's changes and anything you want to say.

You get backA newsletter in your voice, each claim sourced, ready for compliance to approve.

You stillAdd your view and approve.

One idea into a month of posts

Turns one piece of thinking, such as a commentary, a guide or a talk, into a month of posts and short articles for your channels.

Wins work

SkillSocial media

By hand2 hrs

With Claude30 min

SkillSocial media

You give itThe source piece and your channels.

You get backA month of posts, each with its own angle, and the risk warnings where they are needed.

You stillChoose what goes out. Every post that is a financial promotion is approved first.

Checking sustainability claims

Checks every sustainability claim in a document against your evidence, under the FCA's anti-greenwashing rule.

Keeps clientsWins work

SkillFile storage

By hand1 hr

With Claude15 min

SkillFile storage

You give itThe document and the evidence you hold.

You get backEach claim marked as evidenced, partly evidenced or not, with the evidence or the change needed.

You stillApprove the wording.

Fees, income and the month end

Finance, or whoever does the books.

5 use cases

Rebates, trail and fee splits

Calculates platform rebates, trail and fee splits from holdings and the agreements, and checks them against what was paid.

Saves timeYou own it

Claude in ExcelSkillSpreadsheetFund data service

By hand4 hrs

With Claude40 min

Claude in ExcelSkillSpreadsheetFund data service

You give itHoldings by platform and share class, and the rebate and fee agreements behind them.

You get backThe calculation with the working shown, the differences from what was paid, and the agreements that look out of date.

You stillApprove the payments. Many boutiques still do this in spreadsheets full of macros, which is where errors hide.

Highest time

Matching procuration fees and clawbacks

Matches what each lender and insurer paid against completions and policies on risk, and lists missing payments and clawbacks.

Saves time

Claude in ExcelSkillSpreadsheetCRM

By hand3 hrs

With Claude30 min

Claude in ExcelSkillSpreadsheetCRM

You give itLender and insurer statements and your completions and policy records.

You get backA reconciliation with the missing payments to chase, the clawbacks and the policies at risk of lapsing.

You stillChase the money and talk to the clients whose cover is at risk.

Drafting the ICARA

Drafts the internal capital and risk assessment from your financials, risk register and last year's document.

Saves time

ProjectSkillAccountingSpreadsheet

By hand20 hrs

With Claude4 hrs

ProjectSkillAccountingSpreadsheet

You give itLast year's ICARA, the financials and the risk register.

You get backA draft with the changes from last year marked, the harms and wind-down sections updated, and the figures tied to source.

You stillOwn the assessment. The board approves it.

Management accounts commentary

Drafts the commentary on the monthly accounts: income by source, costs against budget and the reasons for each variance.

Saves time

Claude in ExcelSkillAccountingSpreadsheet

By hand3 hrs

With Claude30 min

Claude in ExcelSkillAccountingSpreadsheet

You give itThe management accounts and the budget.

You get backA commentary with each variance explained and the trends worth the directors' attention.

You stillAdd the view and sign it off.

Preparing the regulatory return

Gathers the figures for the retail mediation return from the back office and the accounts, and checks them against the last return.

Saves time

Claude in ExcelSkillAdviser back officeAccounting

By hand4 hrs

With Claude45 min

Claude in ExcelSkillAdviser back officeAccounting

You give itBack office and accounts exports, and the last return.

You get backThe figures by section with their source, the movements to explain and any that look wrong.

You stillCheck and submit.

People, training and competence

Managers, HR and whoever supervises training and competence.

5 use cases

Annual fitness and propriety assessments

Gathers the evidence for each certified person's annual fitness and propriety assessment and drafts the assessment and certificate.

Saves time

SkillProjectHR systemSpreadsheet

By hand2 hrs

With Claude20 min

SkillProjectHR systemSpreadsheet

You give itTraining records, file check results, any breaches or complaints, and the person's assessment from last year.

You get backA draft assessment per person with the evidence, the points to discuss and the certificate.

You stillMake the assessment. Certifying someone is a judgement about them as a person, and it stays with their manager.

Built at Montanaro

Checking everyone has done their training

Checks every person's required training and attestations against the records and lists who is overdue.

Saves time

Scheduled taskSkillHR systemSpreadsheet

By hand3 hrs

With Claude15 min

Scheduled taskSkillHR systemSpreadsheet

You give itThe training requirements and the completion records.

You get backA list of who is overdue and on what, the reminders to send, and a summary for the compliance report.

You stillChase and record.

CPD logs and reflective statements

Turns the courses, reading and webinars each adviser has done into a CPD log with the reflective statements their professional body asks for.

Saves time

SkillHR system

By hand1 hr

With Claude15 min

SkillHR system

You give itThe adviser's activity records.

You get backA CPD log by learning outcome and draft reflective statements for the adviser to edit.

You stillWrite what you learned in your own words. The statement of professional standing depends on it.

Statements of responsibilities

Drafts or updates each senior manager's statement of responsibilities and the responsibilities map when someone joins, leaves or changes role.

Saves time

ProjectFile storage

By hand2 hrs

With Claude30 min

ProjectFile storage

You give itThe current statements, the map and the change.

You get backUpdated statements and map with every responsibility allocated and none duplicated.

You stillApprove and submit. Who is accountable for what is a board decision.

Procedures a new starter can follow

Writes or updates the procedure for a task from a recording or notes of someone doing it, in steps a new starter can follow.

Saves timeYou own it

SkillFile storage

By hand4 hrs

With Claude45 min

SkillFile storage

You give itA recording or notes of the task being done.

You get backA step by step procedure with the checks and the systems used at each step.

You stillApprove it and keep it current.

The board and governance

The CEO, the chair and whoever writes the board pack.

5 use cases

Highest timeBuilt at Montanaro

Building the board or exco pack

Builds the pack from each department's numbers and updates, in the same format every time, with what has changed since last time marked.

Saves time

ProjectSkillCoworkSpreadsheetSlidesBoard portal

By hand20 hrs

With Claude3 hrs

ProjectSkillCoworkSpreadsheetSlidesBoard portal

You give itDepartmental updates, the management accounts, the risk register and last time's pack.

You get backA pack in your format with the numbers checked against source, the changes highlighted, and the decisions needed set out first.

You stillWrite the conclusions. The time goes on what the numbers mean rather than on copying them.

Built at Montanaro

Minutes that record the challenge

Writes the board or exco minutes from notes or a recording, so the questions asked, the answers and the decisions are written down.

Saves timeBetter decisions

SkillCall recordingBoard portal

By hand1 hr 30

With Claude20 min

SkillCall recordingBoard portal

You give itYour notes or the recording, and the pack.

You get backDraft minutes in your style with the challenge and the follow up actions recorded, and the action log updated.

You stillApprove them. The FCA expects minutes to show the board challenged, not only that it approved.

A second view on the strategy paper

Reads a strategy or business plan paper and argues the other side: the assumptions it rests on, what the competition would do, and what would make it fail.

Better decisions

ChatProjectFile storage

By hand1 hr

With Claude15 min

ChatProjectFile storage

You give itThe paper.

You get backA short challenge note for the board with the strongest objections and the evidence the paper would need to answer them.

You stillDecide the strategy. Claude has no stake in the plan, which is what makes it useful here.

Resilience self-assessment and supplier register

Updates the operational resilience self-assessment and the register of third parties from your business services, test results and suppliers.

Saves time

ProjectSkillFile storageSpreadsheet

By hand16 hrs

With Claude3 hrs

ProjectSkillFile storageSpreadsheet

You give itLast year's assessment, the test results and the supplier list.

You get backA draft self-assessment and register with what has changed and the gaps to close before the 2027 reporting rules apply.

You stillApprove the assessment. The board owns it.

Highest value

Your AI register and policy

Drafts the register of where AI is used, the policy, the accountable senior manager and the data protection assessment, for your DPO and board to approve.

You own itKeeps clients

ProjectFile storage

By hand8 hrs

With Claude1 hr 30

ProjectFile storage

You give itHow the firm uses Claude and any other AI tools.

You get backA register, a short policy, a data protection impact assessment and a note of who signs off what.

You stillApprove them. The FCA has said it will rely on the Consumer Duty and the senior managers regime rather than AI rules, so the accountability is yours.

The use case for AI in financial services.

Where the time goes

Keeping up with the companies

Questionnaires and consultants

Reporting every month and quarter

Oversight and the rules

Between the meeting and the advice

The ongoing service

The file and the regulator

Running the firm

Getting a case to offer

The credit decision

Watching the book

Capital, conduct and the regulator

Before the case goes in

After submission

Keeping the client

Files and money

What a fund manager does brilliantly, and what sits around it

What an adviser does brilliantly, and what sits around it

What a specialist lender does brilliantly, and what sits around it

What a broker does brilliantly, and what sits around it

How Montanaro Asset Management put Claude to work across the firm

How they found it

144 things you could hand over, by function.

A second view before you decide

Writing the counter-thesis for every holding

Making the case for selling, every quarter

A pre-mortem before a new position

Asking what would make this advice unsuitable

Testing a switch or transfer before it is advised

Stress-testing the cashflow plan

Challenging the credit paper before committee

Testing the exit on a bridging or development loan

Checking a case against your lending policy

Checking the recommendation against the fact-find

A second view on an awkward case

Research and coverage

Testing new information against each thesis

Results day: the quarter against your model

What management said last time, and this time

Reading the broker notes so you read two

A first look at a new company

Company meetings into the research record

Screening for new ideas on your own rules

Investment committee and the portfolio

Building the investment committee pack

Committee minutes and the action log

Checking how good your past calls were

Long-term performance across every fund

Checking the portfolio against the stated process

Model portfolio changes and the client letter

Ten per cent drop notifications

DDQs, RFPs and consultants

First draft of a due diligence questionnaire

Keeping the answer library current

Responding to an RFP

Consultant and database updates

Preparing for a consultant meeting

A file on every critical supplier

Factsheets, commentary and letters

Quarterly fund commentary and stock comments

Monthly factsheet words and a numbers check

The investor letter

Impact and sustainability reporting

Operations and fund oversight

Explaining reconciliation breaks

Daily check of shareholding disclosure limits

Checking the shares in issue figures

The daily cash reconciliation

Monthly oversight of the fund administrator

Corporate actions and proxy votes

Mapping your data and what depends on it

New clients and the fact-find

Finding what is missing from the fact-find

Reading the documents a new client sends

Client agreement and the costs disclosure

Spotting signs of vulnerability in the file

Suitability reports

First draft of the suitability report