Platform Engineering
Insurance Claims & Risk Platform
A multi-tenant claims and risk platform for an insurance intermediary, replacing spreadsheets with an auditable system of record on the Azure stack.
Case Studies / MCOB-Compliant Mortgage Technology
MCOB-Compliant Mortgage Technology
Mortgage technology for an FCA-regulated UK lender, built to meet Consumer Duty obligations from the ground up.
2025 · Built, deployed & owned by The Fourths
Project Tags
Compliance SystemsUK Financial ServicesMCOB
Client Summary
An FCA-regulated UK mortgage lender, where MCOB rules and Consumer Duty are not guidance, they are the conditions of holding a licence.
What We Built
We built mortgage technology that records the regulator's reasoning, not just the result: audit trails on every affordability assessment, automated ESIS generation, and customer communications that are logged and reproducible. Consumer Duty was treated as a set of engineering requirements, not a policy PDF.
How We Approached It
Each regulated decision carries a tamper-evident record of the inputs, the rule applied, and the outcome. ESIS documents are generated deterministically from source data so they can be regenerated and verified. Customer-facing communications are versioned, so the firm can show exactly what a customer was told and when.
Outcome
The lender can answer a regulator's question about any single case in minutes, with evidence, rather than reconstructing it by hand. Compliance shifted from a quarterly scramble to a property of the system.
Case Studies
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