SEC Rule 15c3-3 compliance for US broker-dealers.

Built for broker-dealers subject to the SEC customer protection rule.Built for broker-dealers subject to the SEC customer protection rule. Safeheld automates the weekly customer reserve computation, possession or control verification, FOCUS Report data preparation, and SEC and FINRA examination evidence in a single continuously verified platform.

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Customer reserve computation

Reserve computed weekly · deposit funded · no PC deficits

Free credit balances, customers

Credit

Verified

Customer securities failed to receive

Credit

Verified

Customer reserve computation

Rule 15c3-3 reserve formula computed and evidenced on the required cycle

ComputationCreditsDebitsPossession or control

LineFormula itemSideAmountSourceEvidenceComputedStatus

C-1Free credit balances, customersCredit412,804,118Stock record14Weekly, TueVerified

C-4Customer securities failed to receiveCredit18,204,660Settlement system9Weekly, TueVerified

D-2Customer debit balancesDebit204,118,880Margin system12Weekly, TueVerified

D-9Securities borrowed to effect deliveryDebit38,880,404Stock loan7Weekly, TueVerified

RESRequired deposit, special reserve accountNet188,010,494Computed1Deposited 10:00Funded

PCPossession or control deficitsControl0 positionsStock record22DailyNo deficits

AI RECONCILIATION ENGINE

AI-powered reserve computation intelligence.

The AI engine reads your live reconciliation data and applies the correct regulatory framework automatically. Five structured actions, auto-match, explain exceptions, detect anomalies, generate board narratives, draft remediation plans.

Rule 15c3-3Rule 17a-5

Auto-match with confidence scoring

Fuzzy-matches client liabilities against safeguarded balances: with confidence scores on every pair

Exception analysis with citations

Root cause analysis for every unmatched item, citing the correct regulation

Board-ready narratives from live data

Institutional-grade reconciliation summaries generated from your current position

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Exception investigation queue

Each break cites the rule it engages

Live · 06:12

Aged fail, 234 units

EX-7708

Counterparty fail beyond the buy-in threshold, action required today

Rule 15c3-395% confidenceCause proposed

Free credit balance, USD 27,914

EX-7706

Customer credit posted after the computation cut-off

Rule 15c3-388% confidenceCause proposed

Showing 3 of 9 open exceptions

Operational workflows. Mapped to live obligations.

Reserve computation: automated weekly

Weekly customer reserve computation under Rule 15c3-3, with automatic debit and credit item identification and reserve deposit calculation.

Reserve formula and possession control

Customer credits against reserve deposit, computed 06:30 ET

Live · 06:12

Coverage

100.24%

at run close

Accounts

in scope

In flight

items

Special reserve bank account

Funded

418,118,006

Free credit balances

Part matched

212,440,118

Computation line Customer creditsReserve / controlStatus

Special reserve bank account418,118,006418,118,006Funded

Free credit balances212,440,118212,412,204Part matched

Fully paid securities · control1,204,118 units1,204,118 unitsIn control

Failed to deliver, aged18,440 units18,206 unitsBuy-in due

Showing 4 of 16 computation lines

Possession or control verification

Continuous verification that all fully paid and excess margin securities are in the broker-dealer's possession or control as defined by the Rule.

Case BR-9908

Possession or control deficit, aged fails

Open · 1h 28m

Deficit

234 units

Age

6 business days

06:30
Possession or control check identified an aged deficit
06:41
Cause proposed, counterparty fail beyond the buy-in threshold
10:15
Buy-in instruction drafted, awaiting sign-off

Every stage change is timestamped and attributable

FOCUS Report data: auto-populated

Customer protection data for FOCUS Report Part II auto-populated from live reserve computation and possession records.

Regulatory output pipeline

Fields populated from the reserve computation

Updated 06:14

Rule 15c3-3

118/120 fields

Customer reserve computation · US · SEC

2 fields held pending BR-9908

FOCUS (X-17A-5)

164/164 fields

Financial and operational report · US · FINRA

Ready for approval

Fields tied to an open exception are held back until the case closes

SEC/FINRA examination evidence

Examination-ready evidence packages with weekly computation history, possession logs, and reserve deposit confirmation.

AI COPILOT

Ask questions. Get answers from live data.

Ask questions about your compliance position in plain English. Generate audit-ready reports and board narratives from live data.

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Safeheld AI

SEC 15c3-3 Demo

Request a SEC 15c3-3 demo.

A 30-minute working session. We map your current setup against SEC 15c3-3 obligations and show you what Safeheld would automate.

Connect

Bank, ledger and processor data in one model

Reconcile

Liabilities against the funds that protect them

Resolve

Shortfalls and breaks routed for investigation

Prove

An auditable evidence trail behind every run

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