Bridge - AI Adviser Assistant

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Inspiration

UK financial advisers face a growing compliance burden under the FCA's Consumer Duty (PS22/9), introduced in July 2023. Every adviser must evidence that each client's portfolio is suitable, covering risk alignment, cost analysis, concentration risks, and ongoing governance. In practice, this takes 30–60 minutes per client, done manually, often using fragmented tools that provide raw data but no actionable insight. We saw an opportunity to eliminate that bottleneck entirely.

What it does

Bridge AI Adviser Assistant takes a client portfolio file, PDF, spreadsheet, or any common format — and instantly generates a structured Consumer Duty suitability report. The report includes risk profile alignment, per-fund suitability ratings, weighted cost analysis with fee flags, concentration risk identification, a full Consumer Duty compliance checklist (good faith, foreseeable harm, financial objectives, fair value), and prioritised recommendations. What currently takes an hour takes seconds.

How we built it

The backend is a FastAPI server that extracts text and tabular data from uploaded files using pdfplumber, python-docx, and openpyxl. The extracted content is sent to Claude via the Anthropic API with a detailed system prompt encoding FCA Consumer Duty requirements and structured JSON output formatting. The frontend is a React/Vite application that renders the report with interactive charts (Chart.js), a holdings analysis table, compliance checklist, and recommendation cards. The entire project was built today using Claude as a development partner.

Challenges we ran into

Getting Claude to consistently return valid, structured JSON with real data-driven analysis rather than generic boilerplate required careful prompt engineering, particularly around cost analysis thresholds and risk alignment logic. Parsing diverse file formats reliably in a short timeframe was another challenge, especially handling edge cases in PDF table extraction.

Accomplishments that we're proud of

Built a fully functional product in under 2.5 hours that solves a real, regulated compliance problem, not a toy demo. The tool correctly identifies genuine portfolio issues: it flags SJP's high fee structures, catches risk misalignment when an adventurous portfolio is tied to a 5-year house deposit timeline, and spots crypto concentration risk. These are the exact findings an experienced compliance officer would raise, generated in seconds from a raw PDF upload.

What we learned

The biggest insight was that Claude is remarkably capable at financial analysis when given the right regulatory context in the system prompt. The quality of the suitability assessments, flagging genuine issues like SJP fee structures or crypto concentration risk in a house deposit portfolio, exceeded our expectations.

What's next for Bridge - AI Adviser Assistant

This feature integrates into Bridge Investment Intelligence, our platform providing independent MPS research and governance tools for UK adviser firms. The AI Adviser Assistant adds client-level compliance reporting to Bridge's existing provider selection and monitoring capabilities, completing the governance loop from selection through to ongoing suitability.

Built With

• anthropicclaudeapi
• fastapi
• javascript
• openpyxl
• pdfplumber
• python
• react
• vite