The product.

317
SRA onsite AML inspections last year
of 935 proactive AML engagements, up 71% on the year
270
firms assessed as non-compliant
£500,000
the largest AML fine against a UK law firm to date
the old £25,000 fining cap no longer applies to AML

Sources: SRA Anti-Money Laundering Annual Report 2024/25; Solicitors Disciplinary Tribunal judgment, January 2024 (the £500,000 fine).

Risk-assessed in under a minute.

Retibo drafts the Client & Matter Risk Assessment under MLR 2017 Reg 28, the first thing an SRA inspector checks. Your MLRO reviews and adopts it; the software never decides.

Retibo
Compliance layer
Firm compliance
Action required
1 matter with red gaps needs action.
Search matters, clients or references…
2
JC
J. Carter
MLRO / COLP
MO
Mr Daniel Okafor
CONV/2026/0481
Residential conveyancing£895,000Action required
Assessment
Gaps
Evidence
Client & Matter Risk AssessmentAction required
DRAFT. Requires review and adoption by a named, qualified person before it may be relied upon.
Client risk
High
Matter risk
High
Risk score
100 / 100
Reasoning
Residential purchase funded in part from outside the client's own resources. The file evidences identity verification but not that the source of the purchase monies was scrutinised. Third-party contributions and a high purchase value elevate the money-laundering risk before completion.
Retibo
Compliance layer
Firm compliance
Action required
1 matter with red gaps needs action.
Search matters, clients or references…
2
JC
J. Carter
MLRO / COLP
MO
Mr Daniel Okafor
CONV/2026/0481
Residential conveyancing£895,000Action required
Assessment
Gaps
Evidence
Gap report: Action required2 red · 0 amber · 1 green
Red: action required (2)
Source of funds not evidenced
MLR 2017 Reg 28(11)(a); LSAG 2025 §6.17.2
The file records the deposit and balance figures but contains no evidence that the source of the purchase monies was obtained or scrutinised, a mandatory CDD element for a property purchase.
Recommended action
Obtain 12 months of bank statements for the deposit and balance, plus a gifted-deposit declaration, and record the MLRO's source-of-funds assessment before exchange.
Officer-amended by Mandeep Officer (MLRO / nominated officer)
Enhanced due diligence recommendedMLR 2017 Reg 33

Every gap, cited to the rule.

It finds the gaps an inspector would raise and cites each to the exact provision, not a judgement call you defend from memory.

Drafted for your MLRO to sign.

The software only ever drafts; a named MLRO reviews, signs and owns it. It never adopts a risk rating and never files a SAR.

Retibo
Compliance layer
Firm compliance
Action required
1 matter with red gaps needs action.
Search matters, clients or references…
2
JC
J. Carter
MLRO / COLP
MO
Mr Daniel Okafor
CONV/2026/0481
Residential conveyancing£895,000Action required
Assessment
Gaps
Evidence
Draft, not yet adopted.
Amend any finding, then adopt & sign to make this the firm's own record.
Findings: edit or dismiss before sign-off
REDSource of funds not evidenced
Edited by Mandeep Officer (MLRO / nominated officer)
Edit / dismiss
REDThird-party contribution not documented
AI-drafted
Edit / dismiss
GREENIdentity verification present
AI-drafted
Edit / dismiss
Retibo
Compliance layer
Firm compliance
Action required
1 matter with red gaps needs action.
Search matters, clients or references…
2
JC
J. Carter
MLRO / COLP
Alerts
Continuous monitoring across open matters.
REDUnresolved red gapCONV/2026/0481
Mr Daniel Okafor
The latest assessment surfaced a RED gap not yet cleared or escalated by the nominated officer.
Rule:MLR 2017 Reg 28 (CDD) & Reg 33 (EDD); POCA 2002 s.330 (consider a SAR)
AcknowledgeSnooze
AMBERStale / missing assessmentPROB/2026/0233Acknowledged
Estate of Mrs Joan Whitfield, dec'd
The latest assessment is 120 days old (older than the 90-day refresh window).

Monitored, not forgotten.

AML duty doesn't end at onboarding. Retibo re-checks open matters and flags when a re-assessment is due, at no extra cost.

Inspection-ready, always.

Every assessment, gap and sign-off is date-stamped in a tamper-evident log. When the SRA letter lands, the evidence is already assembled.

Retibo
Compliance layer
Firm compliance
Action required
1 matter with red gaps needs action.
Search matters, clients or references…
2
JC
J. Carter
MLRO / COLP
MO
Mr Daniel Okafor
CONV/2026/0481
Residential conveyancing£895,000Action required
Assessment
Gaps
Evidence
Download PDFPrint
Client & Matter Risk Assessment: Evidence Pack
Firm
Example & Co Solicitors LLP
Matter reference
CONV/2026/0481
Client
Mr Daniel Okafor
Matter value
£895,000
Generated
16 June 2026
Audit log: tamper-evident
Assessment drafted16 Jun, 12:11 · Retibo
Finding amended16 Jun, 12:14 · Mandeep Officer (MLRO)
Adopted & signed16 Jun, 12:18 · Mandeep Officer (MLRO)

“What stood out to me in practice was that firms rarely struggle because they do not care about compliance. The problem is that the evidence, reasoning and decisions behind it are often spread across files, emails, checklists and systems.

When someone senior needs to understand why a decision was made, the firm can be left reconstructing the story after the event. That creates pressure for staff and risk for the business.

Retibo is being built to give firms a clearer way to review that work, evidence their decisions and deal with potential gaps before they become a larger issue.”

Jacob Styles
Co-founder & Commercial Lead · Qualified solicitor, England & Wales
Jacob Styles, co-founder
Arvind Manimaran, co-founder

“When we started building Retibo, the thing that bothered us most was how many tools stop at telling you there's a problem. That's the easy part. Anyone can flag a gap. Actually doing something about it is where the real work is, and that's what we cared about getting right.

So we built it so that when it finds a gap, someone's name goes against it, and a second person has to check the fix before it is ever marked as closed. We also knew from experience that no two matters look alike, so it learns that a conveyancing file isn't judged the same way a probate one is. And because we hated the thought of anyone rekeying details that are already sitting in a document, it reads the file and pulls them out for you to confirm.

None of that came from a roadmap someone handed us. We added it because it is what we would want if we were still the ones sitting with the file late on a Friday.”

Arvind Manimaran
Co-founder & CTO

FAQs.

Honest answers, sourced where possible. We do not claim certifications we do not hold. We do not minimise legal questions.

Book a call.

A free 30-minute call. We'll walk through how Retibo works, what an SRA AML inspection looks for, and whether it fits the way your firm runs. No fee, no obligation, no sales pressure.