AI Call Compliance
for RIBO & AMF Standards

Replace manual call sampling (an average of 5% to 10% of broker interactions) with AI that audits 100% of recorded calls against RIBO and AMF compliance standards. Our AI reviews every interaction, flags every non-compliant file, and documents every audit trail to ensure full compliance with Loi 25 requirements.

Book a Compliance Demo Read the Guide
AI Compliance Dashboard
RIBO · AMF · Loi 25
LIVE AUDIT
87%
Compliance Rate
1,247
Calls Reviewed
23
Flagged This Week
Broker Performance
Sarah M.
94% ✓ RIBO
James K.
78% ⚠ AMF
Priya S.
91% ✓ ALL
David L.
56% ✗ FLAG
Recent Flags
Missing disclosure, David L.
Call #2041 · AMF required disclosure skipped
Suitability question skipped — James K.
Call #2038 · RIBO standard not met
100% Call coverage vs. 5–10% manual
+35% Avg. compliance score improvement
RIBO AMF · Loi 25 · IBAC Aligned
Auto Audit evidence packages ready
The Manual Auditing Problem

Manual call auditing limits your coverage and creates compliance blind spots.

RIBO in Ontario and the AMF in Quebec require brokerages to maintain defensible compliance programs, but most firms review an average of 5% to 10% of recorded calls manually. That leaves the vast majority of your interactions unreviewed and a massive blind spot in your compliance documentation.

When a regulator conducts a Market Conduct Examination, or when an E&O claim turns on call evidence, that blind spot becomes a liability.

  • Manual review covers an average of 5% to 10% of calls

    With 15–20 minutes per call, a compliance reviewer can only listen to a small fraction of total recorded interactions, leaving most unchecked.

  • Regulatory examinations come without warning

    RIBO spot checks and AMF examinations request call recordings on short notice. Without systematic auditing, you're scrambling to assemble evidence.

  • Compliance patterns invisible at broker level

    Manual sampling can't show you consistent non-compliance patterns across your team. It's too sparse to identify coaching opportunities.

  • E&O exposure from undocumented advice

    Without systematic auditing, advice given on calls that wasn't properly documented or followed correct procedures creates silent E&O liability.

How AI Call Compliance Works

From call recording to compliance report: fully automated, with no action required from your compliance officer per call.

1

Call Transcription

Recorded calls are imported and transcribed automatically. Audio is converted to text with high accuracy for all insurance terminology.

2

Compliance Analysis

AI analyzes the transcript to verify that both internal brokerage rules and regional regulatory questions (like RIBO or AMF) are respected, tailored to the specific reason of the call.

3

Compliance Score

Each call receives an automated compliance score based on the checks. Non-compliant interactions are flagged with the exact reasons identified.

4

Performance Tracking

Score trends and compliance performance are tracked over time, providing reporting for audit trails and team improvement.

Built for Canadian Compliance Standards

Floapi's AI Audit Agent is built around the regulatory requirements that matter most for Canadian P&C brokerages: RIBO, AMF, and Loi 25.

RIBO

Ontario: Registered Insurance Brokers

RIBO conduct standards require brokers to demonstrate suitability, proper disclosure, and documented advice. Floapi verifies each requirement on every call.

  • Coverage suitability questions asked
  • Policy changes properly documented
  • Client instructions confirmed and logged
  • Required disclosures delivered
AMF

Quebec: Autorité des marchés financiers

AMF compliance for Quebec brokerages requires proof of conduct standards in client interactions. Floapi provides that proof for 100% of calls.

  • Client needs properly assessed
  • Advice rationale documented
  • AMF conduct code adherence verified
  • French-language call support
Loi 25

Quebec Privacy Law: Data Compliance

All call processing on Canadian infrastructure. No personal information retained beyond processing. Fully compliant with Quebec's Law 25 and PIPEDA.

  • Canadian data residency guaranteed
  • Audio not retained post-processing
  • PIPEDA-compliant data handling
  • Breach notification protocols in place

What Gets Automated

Every step of the call compliance review process: from call import to evidence package generation, handled automatically.

100% Call Coverage

Every recorded broker-client interaction reviewed against your compliance checklist, not a random sample. Brokerages move from 5–10% coverage to 100% instantly.

100% vs. 5–10% Manual

Configurable RIBO & AMF Checklists

Compliance checklists tailored to RIBO (Ontario) and AMF (Quebec) standards, configurable for your brokerage's specific compliance program and internal policies.

Configurable Per Brokerage

Per-Broker Compliance Scores

Each broker receives a compliance score per call and as a rolling average — giving compliance officers instant visibility into who needs coaching and which issues recur most often.

+35% Avg. Score Improvement

Automated Non-Compliance Flagging

Non-compliant calls flagged automatically with specific issues identified: missing disclosures, skipped questions, undocumented instructions. Prioritized by severity for efficient remediation.

Prioritized by Severity

Regulatory Evidence Packages

Structured audit reports and evidence packages generated automatically, ready to export for RIBO spot checks, AMF examinations, or E&O insurer reviews.

Exam-Ready Documentation

Loi 25 & PIPEDA Compliant Processing

All call processing on Canadian infrastructure. No PII retained beyond requirements. Full compliance with Loi 25, PIPEDA, and applicable AMF and RIBO data handling standards.

Canadian Infrastructure

Frequently Asked Questions

About AI-powered call compliance auditing for RIBO and AMF regulated brokerages in Canada.

Floapi's AI Audit Agent reviews 100% of recorded broker-client calls — compared to the average of 5% to 10% typically covered by manual sampling in most brokerages. This comprehensive coverage eliminates compliance blind spots and provides a defensible audit trail for RIBO and AMF examinations.
Floapi's AI Audit Agent checks broker calls against RIBO and AMF conduct standards including: proper disclosure of coverage options, documentation of client instructions, verification that required questions were asked at renewal and new business, confirmation of client understanding, and adherence to advice and suitability standards. The compliance checklist is configurable to your brokerage's specific regulatory obligations and internal policies.
Yes. All call processing occurs on Canadian infrastructure. No personal information is retained beyond operational requirements. Floapi is fully compliant with Quebec's Loi 25, PIPEDA, and AMF data handling requirements — making it suitable for brokerages with strict data residency obligations.
A dedicated compliance reviewer spending half their time on call auditing can review approximately 10–15 calls per day — covering an average of 5% to 10% of total recorded interactions for a mid-size brokerage. Floapi's AI covers 100% of calls at a fraction of that cost, generates structured reports automatically, and allows your compliance officer to focus on remediation, coaching, and regulatory preparation rather than listening to recordings.

See AI Call Compliance in Action

Book a demo and we'll walk you through what 100% call coverage looks like for your brokerage, including a live example of compliance scoring against RIBO and AMF checklists for your specific market.

Book a Compliance Demo → Read the Canadian Guide
RIBO & AMF Aligned Loi 25 & PIPEDA Compliant Canadian Infrastructure 100% Call Coverage