Compliance

Cetera Finance and its affiliates operate under the supervision of leading financial regulators, including the Financial Conduct Authority (FCA) in the United Kingdom, the U.S. Securities and Exchange Commission (SEC), and the Financial Industry Regulatory Authority (FINRA).

We maintain the registrations, licenses, and authorizations required to offer our services and conduct regular reviews to ensure ongoing compliance with evolving regulatory requirements. Our activities are subject to periodic examination and audit by relevant authorities and independent third parties.

Our compliance program is overseen by a dedicated Chief Compliance Officer and governance committee responsible for policy, monitoring, training, and regulatory engagement.

We apply strict Know Your Customer (KYC) procedures to verify the identity of every client before account activation. This includes collecting and verifying identity documents, proof of address, and, where applicable, source-of-funds and source-of-wealth information.

Our Anti-Money Laundering (AML) program is designed to detect, prevent, and report money laundering and terrorist financing. It includes risk-based customer due diligence, enhanced due diligence for higher-risk clients and politically exposed persons (PEPs), and ongoing monitoring of client activity.

We maintain records of identification and transactions in accordance with applicable regulatory retention requirements and cooperate fully with competent authorities.

We continuously monitor transactions for unusual or suspicious patterns using both automated systems and expert review. Thresholds and rules are calibrated to our risk assessment and updated as typologies evolve.

Where required, we file regulatory reports such as Suspicious Activity Reports (SARs) and currency or large-transaction reports with the appropriate authorities. We also fulfill tax information reporting obligations, including those arising under applicable international information-exchange regimes.

Any activity that appears inconsistent with a client’s known profile, lacks apparent economic purpose, or otherwise raises red flags is escalated to our compliance team for investigation.

We reserve the right to request additional information, delay or decline transactions, freeze accounts, and report to authorities where we identify potential financial crime. We do not tip off clients where doing so would be unlawful.

We screen clients, beneficial owners, and transactions against applicable sanctions lists, including those maintained by the Office of Foreign Assets Control (OFAC), the United Nations, the European Union, and the United Kingdom.

We prohibit dealings with sanctioned individuals, entities, and jurisdictions. Positive or potential matches are investigated and, where confirmed, result in blocking or rejection of the relevant relationship or transaction and reporting as required.

All employees receive regular training on compliance, financial crime prevention, data protection, and conduct standards appropriate to their roles. Our policies are reviewed and updated to reflect regulatory changes and emerging risks.

If you have compliance-related questions or need to report a concern, please contact us through the Contact Us page. We treat all such communications confidentially.