Suitability assessment redaction is the removal of personal data from a suitability file in line with UK MiFIR and FCA COBS. The conduct rules govern how a firm tests whether advice fits a saver. anonym.plus marks each identifier on your device, so the profile stays useful while the data goes.
When this applies
A suitability file records goals, income, and the saver's full identity. You trim that identity under COBS before a review panel reads it.
How anonym.plus handles it
- Open the file in anonym.plus on your device.
- Local OCR reads scanned questionnaire pages.
- The tool flags name, income, and contact data.
- Keep the risk band and goal categories intact.
- Swap or black out the marked items.
- Save the clean copy locally.
What you need to provide
- The suitability file (PDF, DOCX, or scan).
- An operator (Replace keeps the profile readable).
- Optional allow-list for risk bands and goal codes.
PII & financial identifiers detected
| Category | anonym.plus entity type | Example |
|---|---|---|
| Names | PERSON | Sophie Marchetti → [SAVER] |
| Money | MONEY | income £95,000 → [INCOME] |
| Identifiers | UK_NINO | QQ 96 90 00 A → [NINO] |
| Financial | UK_BANK_NUMBER | 20-00-00 12345678 → [ACCOUNT] |
| Dates | DATE_TIME | born 1969 → [DOB] |
| Contact | EMAIL_ADDRESS | s.marchetti@example.co.uk → [EMAIL] |
Compliance achieved
- Aligns with the suitability rules under FCA COBS.
- Supports record duties under UK MiFIR.
- Keeps the risk band and goals a reviewer needs to see.
- Reads 48 languages for cross-border saver files.
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Limitations & cautions
A goal plus an income band plus an age can single out one saver. The tool flags named items, not every indirect clue. Read the free-text notes before you circulate it.
Frequently asked questions
What do the COBS suitability rules require?
They ask a firm to check that advice matches the saver's goals, knowledge, and capacity for loss. The tool removes identity data while leaving those factors.
Can I keep the risk profile?
Yes. Allow-list risk bands and goal codes. Only personal identifiers are marked, so the profile stays intact.
Are non-English files handled?
Yes. The engine reads 48 languages, so a French or Italian file is flagged like an English one.