Islamic products, done right
Independent Shariah advisory, compliance monitoring, and documentation review for banks and financial institutions — AAOIFI-aligned.
What we do for your institution
You handle the banking. We provide the independent Shariah layer — product design guidance, ongoing monitoring, and formal sign-offs.
Product development
Shariah guidance on new Islamic financial products — contract recommendations, structure review, and launch sign-off support.
Ongoing monitoring
Continuous Shariah review of live products with transaction sampling, profit verification, and periodic reporting.
Documentation assurance
Detailed review of contracts, term sheets, agreements, and marketing materials to identify and correct non-compliant wording.
Representative support
Named independent Shariah advisor for regulators, stakeholders, and public-facing materials — without product conflicts.
Regulator-ready output
Formal deliverables your compliance team, legal counsel, and regulators can rely on throughout the product lifecycle.
Product sign-offs
Formal Shariah review certificates for new or updated Islamic products.
Monitoring reports
Periodic compliance sampling results with findings and corrective actions.
Document mark-ups
Annotated reviews of legal docs, term sheets, and customer-facing materials.
Advisory letters
Named advisor correspondence for regulators, rating agencies, and investors.
Three simple steps
Mandate & onboarding
We agree scope — product advisory, monitoring retainer, or one-off review — with clear fees and reporting cadence.
Review & assessment
Our team reviews products, transactions, or documents against AAOIFI-aligned standards and prepares deliverables.
Sign-off & reporting
Certificates, monitoring reports, or advisory letters issued on schedule — with escalation support when needed.
Banks & institutions desk
Project-based or retainer engagements tailored to your product pipeline and compliance requirements.
Shariah Product Advisory
We advise banks on the Shariah compliance of new Islamic financial products, providing structure guidance, contract recommendations, and launch support.
- Structure compliance assessment
- Contract recommendation memo
- Product sign-off letter
- Launch checklist
Shariah Compliance Monitoring
Ongoing Shariah review of your existing Islamic products. We sample transactions and verify profit calculations to ensure continuous compliance.
- Periodic monitoring reports
- Transaction sampling results
- Profit verification summary
- Corrective action recommendations
Shariah Representative
Named independent Shariah advisor for your institution — available for regulators, stakeholders, and public-facing materials without product conflicts.
- Named advisor designation
- Regulatory correspondence support
- Quarterly advisory sessions
- Stakeholder briefing materials
Documentation Review
Detailed Shariah review of your contracts, term sheets, agreements, and marketing materials to identify and correct non-compliant wording.
- Annotated document review
- Compliant wording alternatives
- Written advisory memo
- Priority turnaround options
Product Review & Sign-off
A one-time independent Shariah review of any Islamic product. We verify compliance and issue an official certificate on a fixed-fee basis.
- Full product compliance review
- Official Shariah certificate
- Findings and remediation memo
- Management walkthrough call
Sukuk Shariah Advisory
Shariah advisory on Sukuk issuances. We review structure and documentation to ensure full compliance alongside your legal counsel.
- Structure compliance assessment
- Documentation review memo
- Shariah advisory letter
- Investor summary document
Ready to offer Islamic products with confidence?
Let's discuss how we can serve as your independent Shariah advisory partner — project-based or on retainer.