Atago Green · RegTech for UK financial services
Ombudsman decisions, made useful.
FOS Watch turns over 30,000 Financial Ombudsman decisions a year into structured, themed insight for risk and compliance, MI and complaints leadership teams.
No charge, no commitment
Founded by the former CEO and Chief Ombudsman of the UK's Financial Ombudsman Service.
Why we built FOS Watch
Complaints are one of the largest avoidable costs in financial services, and the most honest signal a firm has about its products and its culture. The public record holds an extraordinary amount of intelligence about every regulated firm, and for the first time, peer comparison and theme tracking are practical at scale. I led the Financial Ombudsman Service because I believed in that work. I built FOS Watch so firms could put it to use.
Spot issues months earlier
Identify emerging themes, root causes and rule interpretations in ombudsman decisions, months before they reach regulatory supervisors. Continuous, structured tracking helps risk and compliance, MI and complaints leadership teams size risks early and prevent harm.
Understand peer performance
Compare your firm's FOS profile against named peers and the wider market, by product, complaint reason, outcome and uphold rate. Structured, 'always on' benchmarking helps risk and compliance, MI and complaints leadership teams set strategy, target remediation and brief the Board.
Evidence your "reasonable steps"
Build the evidence base your Consumer Duty assurance needs, capturing what you saw across the market, what you prioritised, and the proportionate action you took. Structured, audit-ready records help risk and compliance, MI and complaints leadership teams defend their decisions, demonstrate foreseeability and inform the Board.
Built with the firms it's designed for.
FOS Watch was designed with the help of three UK Tier 1 lenders and insurers, ensuring the product is focused on the issues, data and benchmarks that matter most to their risk and compliance, MI and complaints leadership teams.
How FOS Watch works
From raw decision to structured insight, in three steps.
- 01 Step
We identify every decision the week it's published.
FOS Watch reviews every Financial Ombudsman Service decision across products, firms, complaint reasons and outcomes.
- 02 Step
We analyse and structure each one.
AI extracts the facts; domain experts validate the themes. Each analysis is organised by product, complaint reason, rule and outcome, so it's searchable, comparable and audit-ready.
- 03 Step
We deliver insight where it's needed.
A configurable Insight Hub for your teams, plus two fortnightly briefings for the wider firm — a Risk, Compliance & MI Briefing one week, a Case Update Digest the next — staggered so something lands in your inbox most weeks. Every analysis links back to the source ombudsman decision and the relevant FCA rule, so insight is traceable and defensible.
Try four weeks of email briefings
A taster of what FOS Watch customers receive.
One full cycle of two fortnightly briefings, staggered to give weekly delivery — a Risk, Compliance & MI Briefing one week, a Case Update Digest the next. Filtered to the products that matter to you.
Four briefings over four weeks, then we stop. We'll never share your address. Unsubscribe in one click.