Communications compliance refers to regulatory requirements governing how financial institutions capture, monitor, archive, and supervise business communications across all channels including email, SMS, instant messaging, WhatsApp, Teams, Slack, voice calls, and social media. Regulativ automates communications surveillance, maintains SEC 17a-4 compliant archives, and provides AI-powered monitoring to ensure compliance with SEC, FINRA, FCA, ESMA, and MiFID II requirements across 50+ communication platforms.

Communication surveillance software monitors, captures, and analyzes electronic communications to detect compliance violations, market abuse, and insider trading. These systems use AI and machine learning to identify suspicious patterns, policy breaches, and regulatory violations across email, chat, voice, and video platforms. Regulativ's communication surveillance software integrates with 50+ platforms, applies natural language processing across 40+ languages, reduces false positives by 70%, and generates real-time alerts for compliance teams—helping financial institutions avoid the $3+ billion in SEC fines issued since 2021.

Electronic communications monitoring is the continuous surveillance of business communications to ensure regulatory compliance and detect misconduct. It involves capturing communications from multiple channels (email, Teams, Slack, WhatsApp, voice), archiving them in tamper-proof format, analyzing content for violations, and maintaining audit trails. Regulativ's electronic communications monitoring solution provides real-time surveillance across 50+ platforms, automated detection of insider trading and market manipulation, SEC 17a-4 compliant archiving, and instant search capabilities for regulatory examinations.

Off-channel communications are business messages sent through unapproved platforms (personal WhatsApp, text messages, personal email) that firms cannot capture or archive. They violate SEC Rule 17a-4, FINRA Rule 4511, and recordkeeping requirements. Since 2021, regulators have fined over 100 firms more than $3 billion for off-channel violations. Regulativ prevents off-channel communications by detecting unusual usage patterns, monitoring all approved platforms in real-time, identifying communication gaps suggesting unmonitored channels, and alerting compliance when violations occur.

SEC Rule 17a-4 requires broker-dealers to retain all business communications for 3-6 years in non-rewriteable, non-erasable (WORM) format. Communications must be easily accessible for the first 2 years, indexed for instant retrieval, and preserved with complete metadata. The rule covers all electronic correspondence including email, instant messages, SMS, social media, and voice recordings. Non-compliance results in $10-125 million fines. Regulativ provides SEC 17a-4 compliant archiving with immutable storage, automated retention policies, instant search across all archived communications, and complete audit trails for regulatory examinations.

MiFID II requires European investment firms to record all telephone conversations and electronic communications involving client orders and transactions. Recordings must be retained for 5-7 years, include complete metadata, be easily retrievable, and undergo periodic quality reviews. MiFID II applies to voice, email, instant messaging, video calls, and face-to-face meetings documented electronically. Regulativ provides MiFID II compliant recording across all communication channels, automated metadata capture, quality assurance checks, instant search and retrieval, and regulatory reporting to FCA, BaFin, and ESMA.

FINRA Rule 3110 requires supervision of all business communications. FINRA Rule 4511 mandates retention of communications records. FINRA Rule 2010 prohibits off-channel communications. Firms must monitor for unauthorized trading, market manipulation, churning, unsuitable recommendations, and false or misleading statements. Violations result in $100,000 to $10+ million fines plus individual broker suspensions. Regulativ automates FINRA compliance by capturing all communications, applying AI surveillance to detect violations, maintaining compliant archives, and generating automated regulatory reports.

Yes, but only WhatsApp Business with compliant archiving. Personal WhatsApp without archiving violates SEC and FINRA recordkeeping rules and has resulted in billions in fines since 2021. To use WhatsApp compliantly, firms must implement solutions that capture all messages in real-time, archive in SEC 17a-4 compliant format (non-rewriteable, non-erasable), monitor conversations for violations, and maintain searchable archives. Regulativ integrates with WhatsApp Business, captures all messages and media automatically, provides tamper-proof archiving, and monitors for compliance violations.

The best communication archiving solutions provide: (1) SEC 17a-4 and WORM-compliant storage, (2) capture across 50+ platforms (email, Teams, Slack, WhatsApp, voice), (3) AI-powered surveillance and monitoring, (4) instant search with 100+ filters, (5) automated retention policies, (6) tamper-proof archives with audit trails, and (7) regulatory reporting capabilities. Regulativ provides comprehensive archiving across all major communication platforms, maintains immutable records, integrates with existing tools (ServiceNow, Jira, Slack), and reduces compliance costs by 80% through automation—helping firms avoid the $3+ billion in SEC fines issued for recordkeeping failures.

Insider trading detection analyzes communications for material non-public information (MNPI), suspicious timing around corporate announcements, coordination between employees with access to confidential data and traders, discussions of upcoming earnings or mergers, and unusual trading patterns following communications. Regulativ's AI surveillance monitors all communications in real-time, identifies MNPI keywords and context across 40+ languages, correlates communications with trading activity, detects coordination patterns, and generates instant alerts for compliance investigation—reducing false positives by 70% compared to traditional keyword-based systems.

Yes, Regulativ provides comprehensive communications compliance solutions for financial institutions. Our platform captures and archives communications across 50+ channels (email, SMS, WhatsApp, Teams, Slack, Zoom, voice), maintains SEC 17a-4 and WORM-compliant archives, applies AI-powered surveillance to detect violations, monitors for off-channel usage, generates automated regulatory reports, and provides instant search for examinations. Over 200 financial institutions use Regulativ to avoid the $3+ billion in SEC fines issued since 2021 for communications violations.

Communications compliance costs vary by firm size and complexity. Traditional surveillance systems cost $500,000-$5 million for implementation plus $200,000-$2 million annually. However, non-compliance costs far more: SEC fines range from $1.5-125 million per firm, with $600+ million in penalties issued in 2024 alone. Regulativ reduces compliance costs by 80% through AI automation, implements in 2-4 weeks versus 6-12 months for traditional systems, eliminates manual evidence gathering, and costs a fraction of potential SEC fines—providing ROI within the first year for most organizations.

Microsoft Teams compliance recording requires capturing all chat messages, voice calls, video meetings, screen shares, file transfers, and meeting recordings in SEC 17a-4 compliant format. This includes channels, private messages, external communications, and meeting transcripts. Regulativ integrates directly with Teams through Microsoft APIs, captures all communications in real-time, archives in tamper-proof WORM format, applies AI surveillance to detect violations, maintains searchable archives with complete metadata, and ensures all Teams activity meets SEC, FINRA, and MiFID II requirements.

Slack can be compliant if properly archived and monitored. Standard Slack retention doesn't meet SEC 17a-4 requirements for non-rewriteable, non-erasable storage. Financial firms must implement third-party archiving solutions that capture all Slack messages (public channels, private channels, direct messages), archive in WORM-compliant format, monitor for violations, preserve complete conversation threads with metadata, and maintain searchable archives. Regulativ provides Slack compliance archiving with real-time capture, tamper-proof storage, AI surveillance, and instant search—ensuring all Slack communications meet regulatory requirements.

Regulativ's AI surveillance analyzes all communications for market manipulation indicators including front-running language, pump-and-dump coordination, spoofing discussions, layering strategies, wash trading coordination, price manipulation schemes, and false information dissemination. Our natural language processing understands context and intent across 40+ languages, detects coded language and emojis, correlates communications across multiple platforms, identifies participant relationships and patterns, and generates real-time alerts with complete conversation context—reducing false positives by 70% while catching sophisticated manipulation schemes that keyword systems miss.

Email archiving for financial services requires: (1) capturing all business emails sent and received, (2) storing in SEC 17a-4 compliant non-rewriteable format, (3) retaining for 3-6 years (first 2 years easily accessible), (4) preserving complete metadata and attachments, (5) enabling instant search and retrieval, (6) maintaining tamper-proof audit trails, and (7) surviving legal hold and eDiscovery requests. Regulativ provides compliant email archiving for Microsoft 365, Gmail, and enterprise systems with automated capture, WORM storage, instant search, and integration with surveillance monitoring.

Regulativ achieves initial communications compliance deployment within 2-4 weeks versus 6-12 months for traditional systems. Our AI agents automatically integrate with your communication platforms (Teams, Slack, email, WhatsApp, Zoom, voice), configure SEC 17a-4 compliant archiving, implement surveillance rules for your risk profile, and train on your historical data. Full implementation including custom lexicons, workflow integrations, and user training completes within 6-8 weeks. Most organizations achieve compliant archiving and monitoring across all channels within 30 days—avoiding the $600+ million in SEC fines issued in 2024 for recordkeeping failures.

Voice recording compliance requires capturing all business-related phone calls, retaining recordings for required periods (5-7 years for MiFID II, 3-6 years for SEC/FINRA), transcribing for searchability and surveillance, preserving metadata (caller ID, time, duration), enabling instant retrieval for examinations, and monitoring for violations. This applies to desk phones, mobile phones, and VoIP systems. Regulativ provides comprehensive voice recording with automatic capture, speech-to-text transcription, AI surveillance detecting violations in conversations, SEC and MiFID II compliant storage, and instant search across all recorded calls.

Reducing false positives requires AI and machine learning instead of simple keyword matching. Advanced systems analyze context, sentiment, participant relationships, conversation flow, and behavioral patterns—not just individual words. Regulativ reduces false positives by 70% through natural language processing that understands context and intent, relationship mapping identifying normal communication patterns, machine learning that improves accuracy over time, exemption rules for legitimate business discussions, and sentiment analysis detecting actual risk versus routine conversations. This allows compliance teams to focus on real violations instead of investigating thousands of false alerts.

Yes, Regulativ is SOC2 Type 2 certified and ISO 27001 certified, ensuring our communications compliance platform meets the highest security and compliance standards. All customer communications data is encrypted at rest (AES-256) and in transit (TLS 1.3), stored in SOC2-certified data centers with redundancy and disaster recovery, subject to regular security audits and penetration testing, protected by role-based access controls and SSO integration, and never used to train AI models. Regulativ also complies with GDPR, supports data residency requirements, and maintains complete audit trails for all system access and actions.