We Do
Our expertise covers a wide range of areas, from customer identity verification (Know Your Customer, or KYC) to a comprehensive understanding (Customer-360), and beyond. We focus on the entire journey of clients and employees interacting with your data. Our goal is to maintain a stable and reliable data foundation as your business grows.
Taking a data-driven approach to automate Customer Due Diligence checks for large numbers of Customers at a Tier-1 UK Bank.
A typical approach to CDD remediation is to outsource remediation backbooks to large consultancy firms.
Banks are spending £100s of millions on Remediation but outsourcing does not address the underlying efficiency problems with CDD, SARS and false alerts.
All Financial Institutions face scrutiny of their Financial Crime processes and procedures; 2019 FCA “Dear CEO” letter; S.166 reviews; Fines and bad PR and often look for a quick fix.
Providing our clients and people with cutting edge tech & capacity to rigorously assess our solutions against real world use-cases.
Package software firms selling “silver bullet” e2e solutions; Consulting firms selling “Managed Service” outsourcing deals - huge army offshore with expensive programme structure & high cost on-shore KYC analysts.
We automated remediation checks using multi-source corroboration through 3rd party data and created a suite of accelerators to enable a move from Periodic to Event Driven Reviews.
Providing our clients and people with cutting edge tech & capacity to rigorously assess our solutions against real world use-cases.
Of consumer records remediated by the end of 2022 using our automated approach.
Of sole trader records able to be auto-remediated, subject to minor data repairs.
Over 30% of Ltd Company records are able to be risk accepted - a high number of issues were identified relating to corporate structure
Providing our clients and people with cutting edge tech & capacity
to rigorously assess our solutions against real world use-cases.
We differentiate ourselves via our On/Nearshore team model - UK / Spain / Portugal. Leveraging proven talent pools combining full-stack and domain expertise with class-leading value for our clients.
If you have difficult challenges that you don't have answers to, we would love to understand and see how we can help.
These terms tell you the rules for using our websitehttps://www.aptitudeglobal.com (our site).
https://www.aptitudeglobal.com is a site operated by Aptitude Advisors Limited ("We"). We are registered in England and Wales under company number 08948842 and have our registered office at Upper Willsley House, Angle y Road, Cranbrook, TN17 2LF. Our VAT number is 186680662.
To contact us, please email info@aptitudeglobal.com or telephone our customer service line on +44 20 3637 1970.
By using our site, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to these terms, you must not use our site. We recommend that you print a copy of these terms for future reference.
These terms of use refer to the following additional terms, which also apply to your use of our site:
We may make changes to these terms
We amend these terms from time to time. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time. These terms were most recently updated on 25 March2021.
We may make changes to our site
We may update and change our site from time to time [toreflect changes to our products, our users' needs and our businesspriorities.
We may suspend or withdraw our site
Our site is made available free of charge.
We do not guarantee that our site, or any content on it, willalways be available or be uninterrupted. We may suspend or withdraw or restrictthe availability of all or any part of our site for business and operationalreasons. We will try to give you reasonable notice of any suspension orwithdrawal.
You are also responsible for ensuring that all persons whoaccess our site through your internet connection are aware of these terms ofuse and other applicable terms and conditions, and that they comply with them.
We may transfer this agreement tosomeone else
We may transfer our rights and obligations under theseterms to another organisation. We will always tell you in writing if thishappens and we will ensure that the transfer will not affect your rights underthe contract.
[Our site is only for users in the UK]
Our site is directed to people residing in the UnitedKingdom. We do not represent that content available on or through our site isappropriate for use or available in other locations.
You must keep your account detailssafe
If you choose, or you are provided with, a useridentification code, password or any other piece of information as part of oursecurity procedures, you must treat such information as confidential. You mustnot disclose it to any third party.
We have the right to disable any user identification codeor password, whether chosen by you or allocated by us, at any time, if in ourreasonable opinion you have failed to comply with any of the provisions ofthese terms of use.
If you know or suspect that anyone other than you knowsyour user identification code or password, you must promptly notify us atinfo@aptitudeglobal.com.
How you may use material on our site
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You may print off one copy, and may download extracts, ofany page(s) from our site for your personal use and you may draw the attentionof others within your organisation to content posted on our site.
You must not modify the paper or digital copies of anymaterials you have printed off or downloaded in any way, and you must not useany illustrations, photographs, video or audio sequences or any graphicsseparately from any accompanying text.
Our status (and that of any identified contributors) as theauthors of content on our site must always be acknowledged.
You must not use any part of the content on our site forcommercial purposes without obtaining a licence to do so from us or ourlicensors.
If you print off, copy or download any part of our site inbreach of these terms of use, your right to use our site will cease immediatelyand you must, at our option, return or destroy any copies of the materials youhave made.
Do not rely on information on thissite
The content on our site is provided for general informationonly. It is not intended to amount to advice on which you should rely. You mustobtain professional or specialist advice before taking, or refraining from, anyaction on the basis of the content on our site.
Although we make reasonable efforts to update theinformation on our site, we make no representations, warranties or guarantees,whether express or implied, that the content on our site is accurate, completeor up to date.
We are not responsible for websites welink to
Where our site contains links to other sites and resourcesprovided by third parties, these links are provided for your information only.Such links should not be interpreted as approval by us of those linked websitesor information you may obtain from them.
We have no control over the contents of those sites orresources.
User-generated content is not approvedby us
This website may include information and materials uploadedby other users of the site, including to bulletin boards and chat rooms. Thisinformation and these materials have not been verified or approved by us. Theviews expressed by other users on our site do not represent our views orvalues.
How to complain about content uploadedby other users
If you wish to complain about content uploaded by otherusers, please contact us at info@aptitudeglobal.com.
Our responsibility for loss or damage suffered by you
Whether you are a consumer or a business user:
If you are a business user:
If you are a consumer user:
How we may use your personal information
We will only use your personal information as set out in our privacy policy.
Uploading content to our site
Any content you upload to our site will be considered non-confidential and non-proprietary. You retain all of your ownership rights in your content, but you are required to grant us [and other users of our site]a limited license to use, store and copy that content and to distribute and make it available to third parties. The rights you license to us are described in Rights you are giving us to use material you upload.
We also have the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to our site constitutes a violation of their intellectual property rights, or of theirright to privacy.
You are solely responsible for securing and backing up your content.
We do not store terrorist content.
Rights you are giving us to use material you upload
When you upload or post content to our site, you grant us the following rights to use that content:
We are not responsible for viruses and you must not introduce them
We do not guarantee that our site will be secure or free from bugs or viruses.
You are responsible for configuring your information technology, computer programmed and platform to access our site. You should use your own virus protection software.
You must not misuse our site by knowingly introducingviruses, trojans, worms, logic bombs or other material that is malicious ortechnologically harmful. You must not attempt to gain unauthorised access toour site, the server on which our site is stored or any server, computer ordatabase connected to our site. You must not attack our site via adenial-of-service attack or a distributed denial-of service attack. Bybreaching this provision, you would commit a criminal offence under theComputer Misuse Act 1990. We will report any such breach to the relevant lawenforcement authorities and we will co-operate with those authorities bydisclosing your identity to them. In the event of such a breach, your right touse our site will cease immediately.
Rules about linking to our site
You may link to our home page, provided you do so in a waythat is fair and legal and does not damage our reputation or take advantage ofit.
You must not establish a link in such a way as to suggestany form of association, approval or endorsement on our part where none exists.
You must not establish a link to our site in any websitethat is not owned by you.
Our site must not be framed on any other site, nor may youcreate a link to any part of our site other than the home page.
We reserve the right to withdraw linking permission withoutnotice.
If you wish to link to or make any use of content on oursite other than that set out above, please contact info@aptitudeglobal.com.
Which country's laws apply to anydisputes?
If you are a consumer, please note that these terms of use,their subject matter and their formation, are governed by English law. You andwe both agree that the courts of England and Wales will have exclusivejurisdiction except that if you are a resident of Northern Ireland you may alsobring proceedings in Northern Ireland, and if you are resident of Scotland, youmay also bring proceedings in Scotland.
If you are a business, these terms of use, their subjectmatter and their formation (and any non-contractual disputes or claims) aregoverned by English law. We both agree to the exclusive jurisdiction of thecourts of England and Wales.
Welcome to the Aptitude Advisors Limited’s privacy policy.
Aptitude Advisors Limited respects your privacy and is committed to protecting your personal data. This privacy policy will inform you as to how we look after your personal data when you visit our website(regardless of where you visit it from) and tell you about your privacy rights and how the law protects you.
1. IMPORTANT INFORMATION AND WHO WEARE
2. THE DATA WE COLLECT ABOUT YOU
3. HOW IS YOUR PERSONAL DATACOLLECTED?
4. HOW WE USE YOUR PERSONAL DATA
5. DISCLOSURES OF YOUR PERSONALDATA
6. INTERNATIONAL TRANSFERS
7. DATA SECURITY
8. DATA RETENTION
9. YOUR LEGAL RIGHTS
10. GLOSSARY
11. COOKIES POLICY
1 .Important information and who we are
Purpose of this privacy policy
This privacy policy aims to give you information on how Aptitude Advisors Limited collects and processes your personal data through your use of this website, including any data you may provide through this website when you apply for a job application or sign up to our newsletter.
This website is not intended for children and we do not knowingly collect data relating to children.
It is important that you read this privacy policy together with any other privacy policy or fair processing policy we may provide on specific occasions when we are collecting or processing personal data about you so that you are fully aware of how and why we are using your data. This privacy policy supplements other notices and privacy policies and is not intended to over rid them.
Controller
Aptitude Advisors Limited is made up of different legal entities, details of which can be found here. This privacy policy is issued on behalf of the Aptitude Advisors Limited Group so when we mention Aptitude Advisors Limited , "we", "us" or" our" in this privacy policy, we are referring to the relevant company in the Aptitude Advisors Limited Group responsible for processing your data. Aptitude Advisors Limited is the controller and responsible for this website.
We have appointed a data privacy manager who is responsible for overseeing questions in relation to this privacy policy. If you have any questions about this privacy policy, please contact the data privacy manager using the details set out below.
Contact details
If you have any questions about this privacy policy or our privacy practices, please contact our privacy manager at privacy@aptitudeglobal.com
You have the right to make a complaint at any time to the Information Commissioner's Office (ICO), the UK regulator for data protection issues (www.ico.org.uk). We would, however, appreciate the chance to deal with your concerns before you approach the ICO so please contact us in the first instance.
Changes to the privacy policy and your duty to inform us of changes
We keep our privacy policy under regular review. This version was last updated on [19 Mar 2021]. Historic versions can be obtained by contacting us.
It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during your relationship with us.
Third-party links
This website may include links to third-party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our website, we encourage you to read the privacy policy of every website you visit.
2. The data we collect about you
Personal data, or personal information, means any information about an individual from which that person can be identified. Itdoes not include data where the identity has been removed (anonymous data).
We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:
We also collect, use and share Aggregated Data succahs statistical or demographic data for any purpose. Aggregated Data could be derived from your personal data but is not considered personal data in law as this data will not directly or indirectly reveal your identity. For example, we may aggregate your Usage Data to calculate the percentage of users accessing a specific website feature. However, if we combine or connect Aggregated Data with your personal data so that it can directly or indirectly identify you, we treat the combined data as personal data which will be used in accordance with this privacy policy.
We do not collect any Special Categories of Personal Data about you (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health, and genetic and biometric data). Nor do we collect any information about criminal convictions and offences.
If you fail to provide personal data
Where we need to collect personal data by law, or under thet arms of a contract we have with you, and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying tenter into with you (for example, to provide you with goods or services). In this case, we may have to cancel a product or service you have with us but wewill notify you if this is the case at the time.
3. How is your personal data collected?
We use different methods to collect data from and about you including through:
Third parties or publicly available sources. We may receive personal data about you from various third parties (such asanalytics providers, advertising networks, and search information providers).
4. How we use your personal data
We will only use your personal data when the law allows usto. Most commonly, we will use your personal data in the followingcircumstances:
In the table below, we have described the types of lawful basis that we will rely on to process your personal data.
Generally, we do not rely on consent as a legal basis forprocessing your personal data although we will get your consent before sendingthird party direct marketing communications to you via email or text message.You have the right to withdraw consent to marketing at any time by contactingus.
Purposes for which we will use yourpersonal data
We have set out below, in a table format, a description ofall the ways we plan to use your personal data, and which of the legal bases werely on to do so. We have also identified what our legitimate interests arewhere appropriate.
Marketing
We strive to provide you with choices regarding certainpersonal data uses, particularly around marketing and advertising. If you nolonger want to receive marketing communications from us, you can click theunsubscribe link in any email you receive from us or you can contact us at privacy@aptitudeglobal.com.
Promotional offers from us
We may use your Identity, Contact, Technical, Usage andProfile Data to form a view on what we think you may want or need, or what maybe of interest to you. This is how we decide which products, services andoffers may be relevant for you (we call this marketing).
You will receive marketing communications from us if you:
and, in each case. you have not opted out of receivingmarketing communications from us.
Third-party marketing
We will get your express opt-in consent before we shareyour personal data with any third party for marketing purposes.
Opting out
You can ask us or third parties to stop sending youmarketing messages at any time following the opt-out links on any marketingmessage sent to you OR byus at any time.
Cookies
You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. If you disable orrefuse cookies, please note that some parts of this website may becomeinaccessible or not function properly. For more information about the cookieswe use, please see here.
Change of purpose
We will only use your personal data for the purposes forwhich we collected it, unless we reasonably consider that we need to use it foranother reason and that reason is compatible with the original purpose. If youwish to get an explanation as to how the processing for the new purpose iscompatible with the original purpose, please contact us.
If we need to use your personal data for an unrelatedpurpose, we will notify you and we will explain the legal basis which allows usto do so.
Please note that we may process your personal data withoutyour knowledge or consent, in compliance with the above rules, where this isrequired or permitted by law.
5. Disclosures of your personal data
We may share your personal data with the parties set outbelow for the purposes set out in the table Purposes for which we will useyour personal data above.
We require all third parties to respect the security ofyour personal data and to treat it in accordance with the law. We do not allowour third-party service providers to use your personal data for their ownpurposes and only permit them to process your personal data for specifiedpurposes and in accordance with our instructions.
6. International transfers
We share your personal data within the Aptitude AdvisorsLimited Group. This will involve transferring your data outside the UK.
We ensure your personal data is protected by requiring allour group companies to follow the same rules when processing your personaldata. These rules are called "binding corporate rules". For furtherdetails, see the EuropeanCommission on BCR.
Many of our external third parties are based outside the UKso their processing of your personal data will involve a transfer of dataoutside the UK.
Whenever we transfer your personal data out of the UK, we ensurea similar degree of protection is afforded to it by ensuring at least one ofthe following safeguards is implemented:
Please contact us if you want further information on the specific mechanism used by us when transferring your personal data out of the UK.
7. Data security
We have put in place appropriate security measures to preventyour personal data from being accidentally lost, used or accessed in anunauthorised way, altered or disclosed. In addition, we limit access to yourpersonal data to those employees, agents, contractors and other third partieswho have a business need to know. They will only process your personal data onour instructions and they are subject to a duty of confidentiality.
We have put in place procedures to deal with any suspectedpersonal data breach and will notify you and any applicable regulator of a breachwhere we are legally required to do so.
8. Data retention
How long will you use my personal datafor?
We will only retain your personal data for as long asreasonably necessary to fulfil the purposes we collected it for, including forthe purposes of satisfying any legal, regulatory, tax, accounting or reportingrequirements. We may retain your personal data for a longer period in the eventof a complaint or if we reasonably believe there is a prospect of litigation inrespect to our relationship with you.
To determine the appropriate retention period for personaldata, we consider the amount, nature and sensitivity of the personal data, thepotential risk of harm from unauthorised use or disclosure of your personaldata, the purposes for which we process your personal data and whether we canachieve those purposes through other means, and the applicable legal,regulatory, tax, accounting or other requirements.
Details of retention periods for different aspects of yourpersonal data are [available in our retention policy which you can request fromus by contacting us
OR
By law we have to keep basic information about ourcustomers (including Contact, Identity, Financial and Transaction Data) for sixyears after they cease being customers for tax purposes.
In some circumstances you can ask us to delete your data:see your legal rights below for further information.
In some circumstances we will anonymise your personal data(so that it can no longer be associated with you) for research or statisticalpurposes, in which case we may use this information indefinitely withoutfurther notice to you.
9. Your legal rights
Under certain circumstances, you have rights under dataprotection laws in relation to your personal data.
If you wish to exercise any of the rights set out above, please contact us.
No fee usually required
You will not have to pay a fee to access your personal data(or to exercise any of the other rights). However, we may charge a reasonablefee if your request is clearly unfounded, repetitive or excessive.Alternatively, we could refuse to comply with your request in thesecircumstances.
What we may need from you
We may need to request specific information from you tohelp us confirm your identity and ensure your right to access your personaldata (or to exercise any of your other rights). This is a security measure toensure that personal data is not disclosed to any person who has no right toreceive it. We may also contact you to ask you for further information in relationto your request to speed up our response.
Time limit to respond
We try to respond to all legitimate requests within onemonth. Occasionally it could take us longer than a month if your request isparticularly complex or you have made a number of requests. In this case, wewill notify you and keep you updated.
10. Glossary
LAWFUL BASIS
Legitimate Interest means theinterest of our business in conducting and managing our business to enable usto give you the best service/product and the best and most secure experience.We make sure we consider and balance any potential impact on you (both positiveand negative) and your rights before we process your personal data for ourlegitimate interests. We do not use your personal data for activities where ourinterests are overridden by the impact on you (unless we have your consent orare otherwise required or permitted to by law). You can obtain furtherinformation about how we assess our legitimate interests against any potentialimpact on you in respect of specific activities by contacting us.
Performance of Contract means processingyour data where it is necessary for the performance of a contract to which youare a party or to take steps at your request before entering into such acontract.
Comply with a legal obligation means processingyour personal data where it is necessary for compliance with a legal obligationthat we are subject to.
THIRD PARTIES
Internal Third Parties
Other companies in the Aptitude Advisors Limited Group andwho are based in Spain, India, and USA and provide IT and system administrationservices and undertake leadership reporting.
External Third Parties
YOUR LEGAL RIGHTS
You have the right to:
Request access to your personaldata (commonly known as a "data subject access request"). Thisenables you to receive a copy of the personal data we hold about you and tocheck that we are lawfully processing it.
Request correction of the personaldata that we hold about you. This enables you to have any incomplete orinaccurate data we hold about you corrected, though we may need to verify theaccuracy of the new data you provide to us.
Request erasure of your personaldata. This enables you to ask us to delete or remove personal data where thereis no good reason for us continuing to process it. You also have the right toask us to delete or remove your personal data where you have successfullyexercised your right to object to processing (see below), where we may haveprocessed your information unlawfully or where we are required to erase yourpersonal data to comply with local law. Note, however, that we may not alwaysbe able to comply with your request of erasure for specific legal reasons whichwill be notified to you, if applicable, at the time of your request.
Object to processing of your personaldata where we are relying on a legitimate interest (or those of a third party)and there is something about your particular situation which makes you want toobject to processing on this ground as you feel it impacts on your fundamentalrights and freedoms. You also have the right to object where we are processingyour personal data for direct marketing purposes. In some cases, we maydemonstrate that we have compelling legitimate grounds to process yourinformation which override your rights and freedoms.
Request restriction of processing of your personaldata. This enables you to ask us to suspend the processing of your personaldata in the following scenarios:
Request the transfer of your personaldata to you or to a third party. We will provide to you, or a third party youhave chosen, your personal data in a structured, commonly used,machine-readable format. Note that this right only applies to automatedinformation which you initially provided consent for us to use or where we usedthe information to perform a contract with you.
Withdrawconsent at any time wherewe are relying on consent to process your personal data. However, this will notaffect the lawfulness of any processing carried out before you withdraw yourconsent. If you withdraw your consent, we may not be able to provide certainproducts or services to you. We will advise you if this is the case at the timeyou withdraw your consent.
11. Cookie Policy
Please contact us if you want more information about the cookies we use.
How to opt-out from cookies in your browser
Allmodern browsers allow you to change your cookie settings. These settings willtypically be found in the 'options' or 'preferences' menu of your browser. Tounderstand these settings, this link may be helpful,otherwise you should use the 'Help' option in your browser for more details.
Updated March 2024
Aptitude Group Companies (Aptitude Advisors Limited, Aptitude Subsidiaria en España SL)
Aptitude Advisors and/or its subsidiaries and affiliated entities worldwide (collectively, “Aptitude Global” or “the Company”) sets out and actions against the potential modern slavery risks. It puts in place steps that are aimed at ensuring that there is no slavery or human trafficking in its own business and its supply chains. This statement relates to actions and activities during our ongoing trading and current financial year.
This policy also provides guidance to Aptitude individuals worldwide whether employed directly, indirectly as contractors or otherwise (collectively referred to as “Employees”, employees, “You” or “you” in this Policy) in understanding our protocols in respect of its obligations.
This statement is made pursuant to section 54(1) of the Modern Slavery Act 2015 (the ‘Act’) and constitutes our business’ slavery, child labour and human trafficking statement for the financial year end 31 March 2024.
We are a specialist Data Solutions provider with innovation and automation at our core. We apply a 'Business First' approach to solving complex Data problems for our clients across Regulated industries - financial services, legal, pharma, and energy.
We have 36 employees, based primarily in Spain and the United Kingdom and each employee works remotely. We believe that the risk of human trafficking in our workforce is very low. The majority of our team members are trained professionals who have all been selected through a transparent and rigorous hiring process. Aptitude Global has examined the risk of modern slavery within its business operations on a risk-based approach and considers the risks of modern slavery to be very low. The assessment is based upon the nature of our business and the services we provide to customers which present very limited exposure to modern slavery risks.
Our supply chain includes IT consultants, recruitment agencies, marketing services, legal and insurance advisers, training providers and criminal and financial screening agents. As a professional services company, our business model does not carry with it a high level of slavery risk compared to businesses operating in other sectors. Nevertheless, this statement covers those areas within our business supply chain which we have identified as presenting a potential slavery risk. We continue to focus on these areas to ensure we mitigate any associated risks to a reasonable level.
We have zero tolerance to slavery and human trafficking and expect those in our supply chain and contractors to comply with our policies, procedures, and values.
We carry out due diligence on all of our major supply chain partners and take steps to ensure their compliance with the Act.
There were no instances of slavery or human trafficking concerns raised to us during the year ending 31 December 2023, or any years prior to the date of our company registration in 2014.
Aptitude Global is absolutely committed to preventing modern slavery or human trafficking throughout its corporate activities, and to ensuring that its supply chains are free from slavery and human trafficking.
Our Policies reflect our commitment to acting ethically and with integrity in all our business relationships and to implementing and enforcing effective systems and controls to ensure slavery and human trafficking is not taking place anywhere in our supply chains. We have the following policies which incorporate ethical standards for staff and our workers:
In addition to a risk assessment and as part of our commitment to preventing modern slavery and human trafficking in our business, we continue to ensure our compliance with the Act by:
To ensure a high level of understanding of the risks of modern slavery and human trafficking in our supply chains and our business, we provide training to our staff and contractors. 100% of our employees have completed modern slavery e-Learning training for this financial year.
This statement was approved on 13th March 2024 by the organisation's board of directors.
Mark Butterworth
Founder Director