Regulatory scope
Record what the organisation believes applies, the source, the rationale, ownership and review date.
Willow Compliance Desk · Active development
Run compliance work as an evidence-backed operating process.
Compliance Desk brings regulatory scope, customer risk, due diligence, controls, monitoring, evidence, reviews, competence, governance and regulatory change into one practical workspace. It gives Jersey and Guernsey teams a clearer operating record of what was reviewed, what was decided, what evidence supports it and what needs attention next.
Jersey
Guernsey / Bailiwick
Development status: Compliance Desk remains in active development and will be made available for general use once it reaches the standard we are happy with. Follow development updates on the Willow Software blog.
Hosted purchasing currently off In-House purchasing currently off Try the live demo
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View product guide (PDF)
Current Compliance Desk 0.16.12 / schema 18 walkthrough · authenticated demo interface, professional reporting, protected evidence and Hosted/In-House operation · silent video.
Customers & reviews
Keep relationship risk, CDD/EDD, ownership, screening, SOF/SOW, review history and evidence together.
Controls & assurance
Connect risks, controls, monitoring, findings, actions and supporting evidence.
Management oversight
See due work and exceptions without reducing compliance to an invented percentage.
Current jurisdiction support
Built around Jersey and Guernsey operating contexts.
Compliance Desk is jurisdiction-aware, but it does not decide the organisation's regulatory perimeter. Teams record the scope decision, source, rationale and review evidence that apply to their own business.
Jersey
JFSC and Jersey context
Record regulatory scope and permissions, customer and financial-crime work, controls, monitoring, competence, governance and evidence against the Jersey sources relevant to the organisation.
Guernsey / Bailiwick
GFSC and Bailiwick context
Keep Guernsey/Bailiwick scope, review, financial-crime, competence, governance and assurance records separate where the regulatory source or decision differs.
Compliance operations
One connected workspace from perimeter decision to evidence.
Regulatory Scope
Document regulated activities, licences/registrations, applicability basis, sources and review dates.
Customers & Reviews
Run onboarding, periodic, trigger and enhanced reviews with CDD/EDD, screening, connected parties and risk rationale.
Financial Crime / MLRO
Use a restricted internal reporting route with encrypted sensitive case content and appointment-based access.
Controls & Monitoring
Record controls, monitoring plans and tests, samples, findings, remediation and follow-up evidence.
Risk & Assessments
Run structured assessments, capture risk decisions and turn identified gaps into owned actions.
Governance & Compliance Function
Model operational teams and formal appointments separately from software permissions, then build attributable management reporting.
Training & Competence
Record role/activity requirements, competence evidence, supervision, reviews and CPD where a real requirement applies.
Regulatory Watch
Review configured official sources, assess change impact and create controlled internal follow-up.
Evidence Packs
Assemble controlled evidence manifests and exports with attributable approvals and integrity fingerprints.
Risk-based reviews
Review work follows the organisation's actual risk model.
Set the review basis and next review date, record what changed, reassess risk and due diligence, link tasks and evidence, and retain reviewer and checker decisions. Compliance Desk does not invent a universal review timetable.
No invented universal CPD or review target. Requirements vary by role, activity, organisation and jurisdiction. Record the source and target that genuinely apply.
Regulatory Watch
External change starts a controlled internal decision.
Watch configured official sources
Regulatory Watch helps collect and review configured source changes relevant to the organisation. It is an operational aid, not a guarantee of exhaustive or real-time coverage.
Assess and evidence the response
Record impact or no-impact reasoning, affected scope, controls, risks, owners, due dates, implementation evidence and closure. Important changes must still be verified at the official source.
Try it before you buy it
Shared Compliance Desk demo
This is a public test workspace. Several people can sign in at the same time. Test records and uploaded demo files are cleared and rebuilt every three hours.
The login page shows the same test details. Mail, webhooks, network retrieval and sensitive configuration changes are disabled in the shared demo.
The public demo is temporarily unavailable because its tenant or product-specific test account health check has not passed.
Hosted or In-House
One maintained application, two deployment models.
Current maintained application build: 0.16.12 · database schema 18.
Hosted SaaS
Willow operates the application
Willow provisions the workspace and maintains hosted code and database deployment centrally.
12 months £349 · 5 years £1,299
In-House
Operate it on infrastructure you control
The maintained application can run as a licensed single-organisation installation on infrastructure you control, with a signed application update mechanism for entitled releases.
12 months £349 · 5 years £1,299
Hosted pricing
Prepaid access with no automatic subscription.
Renewal extends the same workspace and retains the existing compliance records and evidence.
£349
One hosted Compliance Desk organisation with product updates during the paid term.
£1,299
The same organisation workspace and records for the full five-year term.
Regulatory maintenance boundary: Willow Software maintains Compliance Desk as a software product and may update workflows, labels, examples and documentation as public regulator material changes. No software vendor can guarantee that those materials capture every organisation-specific rule, legal change, effective date or interpretation. Your organisation remains responsible for checking official sources and obtaining legal or regulatory advice where appropriate. See the Compliance Desk responsibilities and limitations.
Questions
Compliance Desk FAQ
What experience and industry input sit behind Compliance Desk?
Compliance Desk is informed by personal experience, extensive research and ongoing input from people who work in Jersey's finance industry. My late wife was Head of Compliance at a number of local finance firms in Jersey and later established her own regulatory consultancy. I helped her set up the business, including its website, business plan, branding and internal documents. To do that properly I had to learn a great deal about compliance and risk, including AML/CFT and how the different parts of a compliance framework fit together.
I am a software developer rather than a career compliance professional and I have not worked day to day as part of a compliance team within a regulated firm. That distinction is important. Understanding the rules, terminology and risk framework is not the same as having practical experience of the way a compliance team works every day. Turning that knowledge into an application structure that is genuinely useful in a real finance office has therefore been one of the most difficult parts of developing Compliance Desk.
To bridge that gap I am liaising with finance professionals who work in the industry and using their practical feedback to guide the fundamentals of how teams carry out everyday compliance work. I also continue to research the underlying regulatory material and test the application's structure against real-world scenarios. Compliance Desk is intended to support, organise and evidence compliance work while leaving regulatory interpretation and professional judgement with the people responsible for it.
Does Compliance Desk decide which laws or rules apply?
No. Regulatory Scope records the organisation's applicability decisions and their source. The organisation and its advisers remain responsible for determining what applies.
Can it manage CDD, EDD, screening, ownership and SOF/SOW?
Yes. Those records can be kept together with customer risk, connected parties, review decisions, evidence, actions and review dates. The software does not make suspicious-activity, sanctions or legal decisions on the customer's behalf.
Does it impose a standard customer-review or CPD frequency?
No. The organisation records the risk-based review basis and any applicable competence or CPD requirement. Different roles, sectors and jurisdictions can have different requirements.
Is Regulatory Watch guaranteed to catch every change?
No. It is an operational aid. Important changes must be verified at the relevant regulator or official source, including effective dates and transition arrangements.
Can an auditor or reviewer inspect the system without editing it?
Yes. The Auditor / Reviewer role is read-only and can be used for controlled inspection of information made available for review.
Can Compliance Desk be installed in-house?
Yes. The maintained application is available as a licensed single-organisation In-House edition. Availability and purchasing controls are shown on this page.