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Conflict Detection
for Financial Services

Fiduciary duty and financial incentives collide daily in wealth management.

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Common Conflict Patterns in Financial Services
The Hidden 12b-1
A financial advisor recommends mutual funds that pay ongoing 12b-1 marketing fees back to their broker-dealer …
High Risk
The CPA Kickback
An accountant refers clients to a specific financial advisor in exchange for undisclosed referral fees — vio…
Medium Risk
The Proprietary Product Push
A wirehouse advisor's bonus structure rewards sales of proprietary products by 3x — creating a direct confli…
Watch
10
Party Types Tracked
3
Conflict Scenarios
Annual
Disclosure Required
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Visual Examples

How conflicts actually happen
in Financial Services

These diagrams show the relationship patterns ConflictCheck is designed to detect — before they become legal or financial crises.

The Kickback Triangle
A manager routes contracts to a secretly owned vendor, who pays kickbacks back. The owner pays inflated prices and never knows.
Pays feesAwards contractsKickback $$$Never disclosedOwner / PrincipalManager!Vendor (secretly owned)
Normal relationship
Kickback / fraud
Hidden / undisclosed
Financial payment
The Dual Role Conflict
One individual serves two parties whose interests are directly opposed — a textbook undisclosed conflict of interest.
RepresentsAlso servesUndisclosed benefitParty ASame Person!Party BPersonal Gain
Normal relationship
Kickback / fraud
Hidden / undisclosed
Financial payment
🚨 Real Scenario: The Hidden 12b-1
A financial advisor recommends mutual funds that pay ongoing 12b-1 marketing fees back to their broker-dealer — fees never disclosed to clients that create a systematic bias toward higher-fee products.
What ConflictCheck would flag
⚠ Shared entity or address detected between parties
⚠ Financial transaction with unregistered recipient
⚠ Annual disclosure not completed by key party
Who ConflictCheck Monitors

Every party. Every role.
All mapped automatically.

ConflictCheck tracks all 10 key party types in Financial Services — cross-referencing relationships and public records continuously.

📊
Financial Advisors
Undisclosed compensation from product manufacturers, 12b-1 fees
Conflict Risk
💼
Clients / Investors
Undisclosed competing interests or related-party dealings
Conflict Risk
🏦
Broker-Dealers
Revenue-sharing arrangements with fund companies
Conflict Risk
💰
Fund Managers
Personal investments in securities they recommend to clients
Conflict Risk
📋
Custodians
Revenue-sharing with affiliated advisors directing assets to platform
Conflict Risk
🔗
Referral Partners
Undisclosed referral fee arrangements between advisors and attorneys/CPAs
Conflict Risk
📑
Third-Party Administrators
Related-party relationships with plan sponsors
Conflict Risk
⚖️
Compliance Officers
Conflicts created by personal trading or outside business activities
Conflict Risk
🏛️
Investment Committees
Member interests in funds being evaluated for allocation
Conflict Risk
🔍
Due Diligence Firms
Compensation from managers being reviewed
Conflict Risk
Documented Scenarios

These aren't hypotheticals.
They happen every day.

🚨
The Hidden 12b-1
A financial advisor recommends mutual funds that pay ongoing 12b-1 marketing fees back to their broker-dealer — fees never disclosed to clients that create a systematic bias toward higher-fee products.
🚨
The CPA Kickback
An accountant refers clients to a specific financial advisor in exchange for undisclosed referral fees — violating both professional standards and client trust.
🚨
The Proprietary Product Push
A wirehouse advisor's bonus structure rewards sales of proprietary products by 3x — creating a direct conflict with the obligation to recommend suitable investments.
How It Works

Systematic protection,
not one-time audits.

🗺️

Map Every Party

Import parties via spreadsheet, document upload, or manual entry. ConflictCheck deduplicates, maps beneficial ownership, and cross-references public records automatically.

🤖

AI Conflict Detection

Our engine finds the connections manual reviews miss — shared addresses, overlapping ownership, dual roles, and transaction patterns that indicate fraud.

📋

Annual Disclosures

Every party certifies annually. Overdue disclosures escalate automatically. Everything stored immutably — timestamped, signed, legally defensible.

Other Industries

ConflictCheck covers 20 industries.

Real Estate
12 party types
Learn more →
Private Equity & VC
10 party types
Learn more →
Healthcare
12 party types
Learn more →
Digital Agency & Marketing
10 party types
Learn more →
Textiles & Fashion
10 party types
Learn more →
Construction
10 party types
Learn more →
Legal & Professional Services
10 party types
Learn more →
Technology & SaaS
10 party types
Learn more →
View All 20 Industries →

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conflict exposure?

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