Annual audits catch issues 12 months too late.Ali catches them in real time.

Ali runs real-time compliance checks against approved SSB rulings and AAOIFI standards across your active product portfolio. When a product parameter drifts from its approved structure (whether a commodity specification change, margin adjustment, or restructured repayment schedule), Ali flags it immediately with a reference to the specific ruling and the nature of the deviation. This gives auditors continuous coverage between formal review cycles rather than relying solely on periodic point-in-time audits.

Yes. Ali compiles chronological evidence trails for any product or portfolio, including benchmark rates, board-approved methodologies, adjustment dates, sign-off records, and ruling references. Outputs are structured for direct use in audit reports and can be exported in standard formats. Every evidence trail is sourced: each entry traces back to the specific SSB ruling, AAOIFI standard, or institutional decision that governs it.

Ali maintains institutional memory of all SSB rulings, including approval conditions, parameter boundaries, and effective dates. When reviewing active products, Ali maps each product back to its governing ruling and identifies any divergence from the approved structure.

No. Ali complements formal audits by providing continuous monitoring between review cycles. Rather than replacing periodic audits, Ali ensures that when formal audits occur, findings are fewer and less critical, because material issues have already been flagged and remediated in real time.

Ali covers AAOIFI Financial Accounting Standards (FAS), Shariah Standards (SS), and Governance Standards, plus IFSB guidelines and jurisdiction-specific regulatory requirements. For auditors, Ali maps each product to its governing standards and ruling references, enabling automated compliance verification across the full portfolio.

Reports and evidence trails can be exported in structured formats (PDF, structured data) for import into your audit management system. API access is available for enterprise deployments, enabling direct integration with existing audit workflow tools.