Create an example specialized agent walkthrough

  • Updated

Specialized agents in Optimizely Opal are purpose-built AI agents you create that complete a single, well-defined task. They operate in a single-shot model. You provide inputs, the agent runs once, and it returns a result. There is no multi-turn conversation. Each agent can use targeted tools, adjustable reasoning, and defined inputs to finish its task accurately and efficiently. 

This document walks you through creating an example specialized agent. 

Prerequisites

Before developing your specialized agent, ensure the following:

Real-world example

Content Review agent

Objective: Create a specialized agent that reviews website content against established guidelines and reference materials. In this scenario, the reference material consists of financial promotion regulations PDF created by Opal. The specialized agent generates a report highlighting content requiring review, with visual indicators explaining non-compliance with the example guidelines. The report is sent through email to the current user when triggered manually in Opal Chat.

Build a specialized agent

The development process for the example Content Review Agent follows the following workflow: Create → Configure → Build → Test → Refine → Deploy.

Create your specialized agent

  1. Go to home.optimizely.com
  2. Select your organization.

  3. Select Opal.

    Click Opal

  4. Click Agents. 

  5. Select the Your Agents tab.

  1. Click Add Agent > Specialized agent to create a new specialized agent.

Configure your specialized agent

Details section

You begin crafting your specialized agent in the Details section. This section contains basic information about your specialized agent. See the Details section in the Specialized agents fundamentals and best practices documentation for details.

  1. Enter the following information:
    • Name – Content Review agent
    • Id – content-review-agent
    • Description – Reviews content from a URL for compliance with a set of guidelines and recommended changes with justification as to why the content is non-compliant. The reference guidelines could be brand guidelines, or any other kind of guidelines, but in this case, there is a set of financial promotion guidelines created by Opal. 
  2. Leave the Active on.
  3. Toggle the Enabled in Chat option off. Your specialized agent should appear similar to the following:
Content Review agent details section
The Id serves as the identifier for @mentioning the agent and must not contain spaces. Ensure the Id displays as Available. If it does not, that means that there is an agent already created with this Id. Enter a different Id instead.

Build your specialized agent

Input section

The next component in creating your specialized agent is the Input section. You can add directions your specialized agent should follow, variables it should prompt the user for, and tools it should use to help accomplish its task. See Input section in the Specialized agents fundamentals and best practices documentation for details.

Prompt template

The prompt template is where you add the directions to tell the specialized agent what it should do and how to respond to requests. 

Expand the following Prompt Template example and enter the following in the Prompt template in your specialized agent.

Prompt template example

C – Context

  • Your Role: You are a senior compliance manager in financial services responsible for reviewing content to identify areas requiring updates based on established reference guidelines and producing comprehensive reports.
  • Deliverable: You create complete, high-quality compliance reports. Infer the relevant industry from the [[url]] you are prompted to review.
  • Communication Style: Clear, confident, and reassuring, while maintaining empathy and directness. Avoid unnecessary technical jargon.

L – Logic

  • Prioritize conciseness over creative expression. Use the SPARK-Report-Template.html file as a template. Ensure the following sections are included:
    • Executive Summary with overall compliance score.
    • Issue categorization with color coding: major issues in red, minor issues in amber, and compliant areas in green. Include justification for all flagged issues.
    • Report sections in the following sequence: Tone of Voice, Accessibility, Clarity, Regulations.

E – Examples

Clearly highlight and emphasize non-compliant items with specific suggested corrective actions. Do not recommend changes to content already deemed compliant.

A – Action

  • Review the web page specified in [[url]]. If the url parameter is not provided, request the URL from the user.
  • Conduct your review by comparing the content at the URL with the Financial Conduct Authority Guidelines for financial promotions contained in the attached document FCA-guidelines.pdf.
  • Generate a formatted compliance report summarizing findings and recommended remediation actions. Highlight risks, gaps, and potential violations identified in the web content.
  • Distribute the report via email in HTML format to the addresses specified in [[email_addresses]]. If not provided, send the email to the user who requested the report.
  • Also distribute the output in the chat interface.

R – Result

Output the report in the chat interface and in the email using the SPARK-Report-Template.html file as the formatting template. Use this template EXCLUSIVELY for overall report design, structure, and styling. Under no circumstances should any textual content, placeholder text, or example data from the sample FCA report or the SPARK-Report-Template.html file be included in the final output.

Variables

In this example, there are two variables referenced in the Prompt Template, url and email_addresses. You must define these variables in the Variables section.  

  1. Click Add Variable and configure the following:
    • Type – String
    • Name – url
    • Description – URL to the location to review content to identify areas requiring updates based on established reference guidelines, and producing comprehensive reports.
    • Required? – Selected
  2. Click Save.
  3. Click Add Variable and configure the following:
    • Type – String
    • Name – email_addresses
    • Description – Email addresses the report will be sent to.
    • Required? – Unselected
  4. Click Save.

Tools

A specialized agent only uses the tools you explicitly specify. Because of this, you need to add the tools you want your example specialized agent to call. In this example, your specialized agent searches the web, creates a report, and emails that report. So, you must to add the tools that help your specialized agent accomplish these tasks.

  1. Click Add Tool and select the following tools:
    • send_email
    • browse_web
    • convert_to_pdf
  2. Click Add Selected. 

Inference Level 

The Inference Level controls the depth of reasoning Opal applies in generating responses. For your example specialized agent, leave the default as Standard. See Select the inference level section in the Create specialized agents documentation for more information.

Files

The Prompt Template references two files named FCA-guidelines.pdf and SPARK-Report-Template.html, so you must upload the files to your specialized agent. To do so, complete the following steps:

  1. Download the FCA-guidelines.pdf and SPARK-Report-Template.html files from this article to your computer. The files are located at the bottom of this article or you can click the following links to download them:
  2. Click Add file in the Files section of the specialized agent Setup.
  3. Locate and select the PDF file on your computer and click Upload.
  4. Repeat steps two and three for the HTML file.
The FCA-guidelines.pdf and SPARK-Report-Template.html files were generated using Opal. They are optimized for use within this example specialized agent walkthrough and may not be fully compatible or functional if used externally.

Output section

The Output helps Opal know how you expect its output. 

  1. Expand the Output section.
  2. Leave the Data Type drop-down list as Text.
  3. Enter A report highlighting content requiring review. for the Description.

Save specialized agent

Click Save. You should see a message confirming your specialized agent was successfully created. If not, fix the errors and click Save again.

Your specialized agent should display similar to the following: 

Content Review agent example

Test your specialized agent

After creating, configuring, and saving your specialized agent, you can add up to five example preferred outputs to help Opal evaluate its responses. Opal displays this as a baseline quality score. The baseline quality score serves as the lowest acceptable quality percentage you expect your specialized agent output to achieve. Opal compares each agent's output to your preferred output examples.

In the Output section, complete the following:

Chase example

  1. Click Add Example.
  2. Enter Chase for the Name.
  3. Enter www.chase.com for the url. 
  4. Expand the following HTML and copy and paste it into the Output Example.
HTML
<!DOCTYPE html>
<html lang="en">
<head>
    <meta charset="UTF-8">
    <meta name="viewport" content="width=device-width, initial-scale=1.0">
    <title>FCA Compliance Report - Chase.com</title>
    <style>
        body {
            font-family: Arial, sans-serif;
            line-height: 1.6;
            color: #333;
            margin: 0;
            padding: 20px;
            background-color: #f4f4f4;
        }
        .container {
            max-width: 900px;
            margin: 20px auto;
            background: #fff;
            padding: 30px;
            border-radius: 8px;
            box-shadow: 0 0 10px rgba(0, 0, 0, 0.1);
        }
        h1, h2, h3 {
            color: #0056b3;
        }
        h1 {
            text-align: center;
            border-bottom: 2px solid #0056b3;
            padding-bottom: 10px;
            margin-bottom: 20px;
        }
        h2 {
            margin-top: 30px;
            padding-bottom: 5px;
            border-bottom: 1px solid #eee;
        }
        table {
            width: 100%;
            border-collapse: collapse;
            margin-top: 20px;
        }
        th, td {
            border: 1px solid #ddd;
            padding: 12px;
            text-align: left;
        }
        th {
            background-color: #f2f2f2;
            font-weight: bold;
        }
        .category-red {
            color: red;
            font-weight: bold;
        }
        .category-amber {
            color: orange;
            font-weight: bold;
        }
        .category-green {
            color: green;
            font-weight: bold;
        }
        .score {
            font-size: 1.2em;
            font-weight: bold;
            text-align: center;
            margin-top: 20px;
            padding: 10px;
            background-color: #e9f7ef;
            border-radius: 5px;
            border: 1px solid #c3e6cb;
        }
        ul {
            list-style-type: disc;
            margin-left: 20px;
        }
        p {
            margin-bottom: 10px;
        }
        .footer {
            text-align: center;
            margin-top: 40px;
            font-size: 0.9em;
            color: #777;
            border-top: 1px solid #eee;
            padding-top: 20px;
        }
    </style>
</head>
<body>
    <div class="container">
        <h1>FCA Compliance Report - Chase.com</h1>

        <h2>Executive Summary</h2>
        <p>The review of Chase.com against the Financial Conduct Authority (FCA) guidelines, specifically focusing on financial promotions and communications, indicates a generally high level of compliance. The website employs clear and concise language, and critical disclaimers for investment products are appropriately displayed. However, minor areas for improvement have been identified concerning the immediate visibility of key conditions for promotional offers and a more balanced presentation of potential costs/risks for non-investment products on the main landing page.</p>
        <div class="score">Overall Compliance Score: 75%</div>

        <h2>Issue Categorization</h2>
        <table>
            <thead>
                <tr>
                    <th>Category</th>
                    <th>Issue Description</th>
                    <th>Justification</th>
                    <th>Suggested Corrective Actions</th>
                </tr>
            </thead>
            <tbody>
                <tr>
                    <td><span class="category-red">Major</span></td>
                    <td>None</td>
                    <td>None</td>
                    <td>None</td>
                </tr>
                <tr>
                    <td><span class="category-amber">Minor</span></td>
                    <td><strong>Visibility of Promotional Offer Conditions:</strong> Key conditions for some promotional offers (e.g., "qualifying activities" for checking account bonuses) are not immediately visible on the main page and require clicking through to detailed product pages.</td>
                    <td>FCA guidelines emphasize clarity and fairness, ensuring promotional materials are easy for the target audience to understand and do not downplay key risks or conditions. Requiring multiple clicks to understand primary conditions could be seen as obscuring information.</td>
                    <td>Add a brief summary of key conditions or a clear asterisk with a concise explanation directly adjacent to the promotional offer on the main page. For example, a small pop-up or tooltip on hover could provide immediate context.</td>
                </tr>
                <tr>
                    <td><span class="category-amber">Minor</span></td>
                    <td><strong>Balanced Presentation of Non-Investment Products:</strong> While investment products include clear risk disclaimers, promotional areas for non-investment products (e.g., checking accounts, credit cards) primarily highlight benefits without immediately presenting potential costs or downsides (e.g., specific fees, credit score impact) on the main page.</td>
                    <td>FCA guidelines require promotions to present a balanced view of potential benefits and risks. While detailed information is available on product pages, the initial promotional view could offer a more holistic immediate impression.</td>
                    <td>Consider adding a concise "Important Considerations" link or a small, easily digestible summary of potential costs/fees (e.g., "Monthly fees may apply, waived with X condition") directly below prominent non-investment product promotions on the homepage.</td>
                </tr>
                <tr>
                    <td><span class="category-green">Compliant</span></td>
                    <td><strong>Tone of Voice:</strong> The website maintains a professional, inviting, and customer-focused tone, aiming to reassure and guide users effectively.</td>
                    <td>The tone aligns with the FCA's expectation for clear and fair communication, fostering trust and understanding.</td>
                    <td>None</td>
                </tr>
                <tr>
                    <td><span class="category-green">Compliant</span></td>
                    <td><strong>Accessibility:</strong> The website's structure, navigation, and text readability appear generally accessible. The provision of an "Español" language option and readily available customer service links demonstrates efforts towards broader accessibility.</td>
                    <td>While a full technical audit was not performed, the visual and functional aspects reviewed suggest a reasonable level of accessibility, supporting the FCA's principle of consumer protection.</td>
                    <td>None</td>
                </tr>
                <tr>
                    <td><span class="category-green">Compliant</span></td>
                    <td><strong>Clarity of Language:</strong> The language used across the website is generally clear, concise, and easy for a broad audience to understand, avoiding excessive jargon.</td>
                    <td>This directly adheres to the FCA guideline for promotional materials to use clear, concise language that is easy for the target audience to understand.</td>
                    <td>None</td>
                </tr>
                <tr>
                    <td><span class="category-green">Compliant</span></td>
                    <td><strong>Accuracy of Factual Claims:</strong> Factual claims regarding product features, bonuses, and rates appear accurate based on the information presented. There are no immediately apparent misleading statements or omissions.</td>
                    <td>The website's content aligns with the FCA's requirement for all factual claims to be accurate and supported by evidence, avoiding misleading statements.</td>
                    <td>None</td>
                </tr>
                <tr>
                    <td><span class="category-green">Compliant</span></td>
                    <td><strong>Risk Disclaimers for Investment Products:</strong> Prominent and appropriate disclaimers are present for investment and private client products, clearly stating that they are not FDIC insured, not bank guaranteed, and may lose value.</td>
                    <td>This directly addresses the FCA guideline to ensure key risks are prominently displayed and not downplayed, particularly for higher-risk financial products.</td>
                    <td>None</td>
                </tr>
            </tbody>
        </table>

        <h2>Report Sections</h2>

        <h3>Tone of Voice</h3>
        <p>The overall tone of voice on Chase.com is professional, reassuring, and customer-centric. It effectively guides users through various financial products and services without being overly technical or aggressive in its promotional language. This approach supports a positive user experience and aligns with the FCA's expectations for clear and fair communication.</p>

        <h3>Accessibility</h3>
        <p>The website demonstrates good general accessibility. Navigation is intuitive, and text is readable. The inclusion of an "Español" language option and easily locatable customer support channels indicates an effort to cater to a diverse user base and provide assistance. While a comprehensive technical accessibility audit was beyond the scope of this review, the user interface appears to be designed with broad usability in mind.</p>

        <h3>Clarity</h3>
        <p>The content on Chase.com is generally clear and concise. Product descriptions are straightforward, and the layout facilitates easy information retrieval. However, as noted in the "Issue Categorization," the immediate clarity regarding the full conditions of some promotional offers could be enhanced to prevent users from needing to navigate deeper into the site for essential details.</p>

        <h3>Regulations</h3>
        <p>The website shows a strong commitment to regulatory compliance, particularly with the prominent display of risk disclaimers for investment products. These disclaimers are crucial for informing consumers about potential risks. The identified minor issues relate to the completeness and immediate visibility of information for all promotional offers, which, if addressed, would further strengthen adherence to FCA guidelines on fairness and transparency in financial promotions.</p>

        <div class="footer">
            <p>This report was generated on December 29, 2025.</p>
            <p>For any questions or further clarification, please contact the compliance team.</p>
        </div>
    </div>
</body>
</html>

Fidelity example

  1. Click Add Example.
  2. Enter Fidelity for the Name.
  3. Enter www.fidelity.com/mutual-funds/overview for the url. 
  4. Expand the following HTML and copy and paste it into the Output Example.
HTML
  1. <!DOCTYPE html>
<html lang="en">
<head>
    <meta charset="UTF-8">
    <meta name="viewport" content="width=device-width, initial-scale=1.0">
    <title>Compliance Report</title>
    <style>
        body {
            font-family: Arial, sans-serif;
            line-height: 1.6;
            color: #333;
            margin: 0;
            padding: 0;
            background-color: #f4f4f4;
        }
        .container {
            max-width: 900px;
            margin: 20px auto;
            background: #fff;
            padding: 30px;
            border-radius: 8px;
            box-shadow: 0 0 10px rgba(0, 0, 0, 0.1);
        }
        h1, h2, h3 {
            color: #0056b3;
        }
        h1 {
            text-align: center;
            margin-bottom: 20px;
        }
        .section {
            margin-bottom: 20px;
            padding: 15px;
            border: 1px solid #eee;
            border-radius: 5px;
            background-color: #fdfdfd;
        }
        .section h2 {
            border-bottom: 2px solid #0056b3;
            padding-bottom: 10px;
            margin-top: 0;
        }
        .issue-table {
            width: 100%;
            border-collapse: collapse;
            margin-top: 15px;
        }
        .issue-table th, .issue-table td {
            border: 1px solid #ddd;
            padding: 8px;
            text-align: left;
        }
        .issue-table th {
            background-color: #0056b3;
            color: white;
        }
        .issue-table td.red {
            background-color: #ffe0e0;
            color: #cc0000;
        }
        .issue-table td.amber {
            background-color: #fff0cc;
            color: #e69900;
        }
        .issue-table td.green {
            background-color: #e0ffe0;
            color: #008000;
        }
        .score-card {
            text-align: center;
            padding: 20px;
            background-color: #e9f7ef;
            border-radius: 5px;
            margin-bottom: 20px;
            font-size: 1.1em;
            font-weight: bold;
            color: #008000;
        }
        .footer {
            text-align: center;
            margin-top: 30px;
            font-size: 0.9em;
            color: #777;
        }
    </style>
</head>
<body>
    <div class="container">
        <h1>Compliance Report: Fidelity Investments Mutual Funds Webpage</h1>
        <div class="score-card">
            Overall Compliance Score: 85% (Largely Compliant with Minor Improvements Needed)
        </div>

        <div class="section">
            <h2>Executive Summary</h2>
            <p>This report assesses the Fidelity Investments Mutual Funds webpage (<a href="https://www.fidelity.com/mutual-funds/overview">https://www.fidelity.com/mutual-funds/overview</a>) against the Financial Conduct Authority (FCA) guidelines for financial promotions. The webpage demonstrates a strong commitment to providing clear and accurate information about its offerings. Key factual claims are presented, and essential disclaimers regarding investment risks, particularly that past performance is not indicative of future results, are included. However, opportunities exist to enhance the prominence and integration of risk disclosures throughout the promotional material, ensuring a more balanced presentation of benefits and risks in line with FCA expectations for fair and balanced communication.</p>
        </div>

        <div class="section">
            <h2>Issue Categorization</h2>
            <table class="issue-table">
                <thead>
                    <tr>
                        <th>Category</th>
                        <th>Status</th>
                        <th>Justification/Details</th>
                        <th>Recommended Action</th>
                    </tr>
                </thead>
                <tbody>
                    <tr>
                        <td>Clarity and Fairness (Language)</td>
                        <td class="green">Compliant</td>
                        <td>The language used is clear, concise, and generally easy for the target audience to understand, avoiding excessive jargon.</td>
                        <td>None. Continue to maintain clear and accessible language.</td>
                    </tr>
                    <tr>
                        <td>Accuracy of Claims</td>
                        <td class="green">Compliant</td>
                        <td>Factual claims (e.g., "70+ years in business," "Over 10,000 funds") appear accurate and are consistent with Fidelity's market position.</td>
                        <td>None. Ensure all factual claims remain verifiable.</td>
                    </tr>
                    <tr>
                        <td>Past Performance Warning</td>
                        <td class="green">Compliant</td>
                        <td>The "Important Disclaimers" section explicitly states: "Past performance: No guarantee of future results."</td>
                        <td>None. Maintain this explicit warning.</td>
                    </tr>
                    <tr>
                        <td>Prominence of Risks</td>
                        <td class="amber">Minor Issue</td>
                        <td>While risks are listed in the "Important Disclaimers" section, their prominence could be improved. They are grouped at the bottom of the page rather than being integrated more closely with associated promotional content.</td>
                        <td>Integrate risk disclosures more directly with the benefits they relate to, or enhance the visual prominence of the disclaimer section (e.g., using a distinct banner or pop-up for initial page load).</td>
                    </tr>
                    <tr>
                        <td>Balance of Benefits vs. Risks</td>
                        <td class="amber">Minor Issue</td>
                        <td>The webpage heavily emphasizes the benefits and features of mutual funds and Fidelity's offerings. While risks are present in the disclaimers, the overall presentation leans towards promoting benefits, potentially creating an imbalanced perception.</td>
                        <td>Review content to ensure a more balanced presentation of both potential benefits and risks throughout the main promotional sections, not just in a separate disclaimer.</td>
                    </tr>
                    <tr>
                        <td>Effectiveness of Disclaimers (Digital Format)</td>
                        <td class="amber">Minor Issue</td>
                        <td>Disclaimers are present, but their placement and visual treatment might not guarantee full effectiveness across all digital contexts (e.g., mobile devices, quick scanning).</td>
                        <td>Consider enhancing the visual design and placement of disclaimers to ensure they capture user attention effectively, regardless of how the page is accessed or consumed.</td>
                    </tr>
                </tbody>
            </table>
        </div>

        <div class="section">
            <h2>Tone of Voice</h2>
            <p>The tone of voice used on the Fidelity Investments Mutual Funds webpage is professional, confident, and informative. It aims to build trust and reassure potential investors about Fidelity's expertise and offerings. This tone is appropriate for a financial services provider and aligns well with the serious nature of investment decisions.</p>
        </div>

        <div class="section">
            <h2>Accessibility</h2>
            <p>Based on the textual content and general web structure, the webpage appears to follow standard web practices that contribute to accessibility. However, a comprehensive accessibility audit (e.g., for screen reader compatibility, keyboard navigation, contrast ratios) cannot be performed solely from the provided content summary. Assuming standard web development practices are followed, the basic structure should be accessible.</p>
        </div>

        <div class="section">
            <h2>Clarity</h2>
            <p>The content is presented with good clarity. Concepts such as diversification, sustainable investing, thematic investing, and sector investing are explained in an understandable manner. The calls to action are clear, and the overall navigation implied by the content summary is straightforward, contributing to a positive user experience.</p>
        </div>

        <div class="section">
            <h2>Regulations (FCA Guidelines for Financial Promotions)</h2>
            <p>This section summarizes the compliance findings against specific FCA guidelines related to financial promotions:</p>
            <ul>
                <li><strong>Clarity and Fairness:</strong> The language is generally clear and concise. However, the balance between benefits and risks could be improved for greater fairness (Amber).</li>
                <li><strong>Accuracy:</strong> Factual claims appear accurate. No misleading statements or omissions were identified (Green).</li>
                <li><strong>Balance:</strong> While risks are disclosed, the overall presentation emphasizes benefits more prominently. Integrating risk information more closely with promotional content would enhance balance (Amber). The explicit warning about past performance not being a guarantee of future results is fully compliant (Green).</li>
                <li><strong>Digital Communications:</strong> Disclaimers are present, but their effectiveness in terms of prominence and user engagement in a digital format could be enhanced (Amber).</li>
            </ul>
            <p>Overall, the webpage largely adheres to the FCA guidelines for financial promotions, with specific areas identified for minor improvements to enhance the balance and prominence of risk disclosures.</p>
        </div>

        <div class="footer">
            Compliance Report Generated: December 29, 2025
        </div>
    </div>
</body>
</html>

Paypal example

  1. Click Add Example.
  2. Enter PayPal for the Name.
  3. Enter https://www.paypal.com/us/home for the url. 
  4. Expand the following HTML and copy and paste it into the Output Example.
HTML
  1. <!DOCTYPE html>
<html lang="en">
<head>
    <meta charset="UTF-8">
    <meta name="viewport" content="width=device-width, initial-scale=1.0">
    <title>Compliance Report</title>
    <style>
        body {
            font-family: Arial, sans-serif;
            line-height: 1.6;
            color: #333;
            margin: 0;
            padding: 20px;
            background-color: #f4f4f4;
        }
        .container {
            max-width: 900px;
            margin: auto;
            background: #fff;
            padding: 30px;
            border-radius: 8px;
            box-shadow: 0 0 10px rgba(0,0,0,0.1);
        }
        h1, h2, h3 {
            color: #0056b3;
        }
        h1 {
            text-align: center;
            margin-bottom: 30px;
        }
        .executive-summary, .issue-categorization, .report-sections {
            margin-bottom: 30px;
            padding: 15px;
            border: 1px solid #ddd;
            border-radius: 5px;
            background-color: #f9f9f9;
        }
        .executive-summary p {
            font-size: 1.1em;
        }
        .compliance-score {
            font-weight: bold;
            font-size: 1.2em;
            text-align: center;
            margin-top: 20px;
            padding: 10px;
            border-radius: 5px;
        }
        .score-red { background-color: #ffe0e0; color: #cc0000; }
        .score-amber { background-color: #fffbe0; color: #e69900; }
        .score-green { background-color: #e0ffe0; color: #008000; }

        .issue-item {
            display: flex;
            align-items: flex-start;
            margin-bottom: 10px;
        }
        .issue-color {
            width: 20px;
            height: 20px;
            border-radius: 50%;
            margin-right: 10px;
            flex-shrink: 0;
        }
        .color-red { background-color: #cc0000; }
        .color-amber { background-color: #e69900; }
        .color-green { background-color: #008000; }
        .issue-details {
            flex-grow: 1;
        }
        .issue-details strong {
            display: block;
            margin-bottom: 5px;
        }
        .issue-details ul {
            margin-top: 5px;
            padding-left: 20px;
        }
        .issue-details li {
            margin-bottom: 5px;
        }
        .section-content {
            margin-left: 20px;
            margin-bottom: 15px;
        }
        .section-content h4 {
            margin-top: 10px;
            margin-bottom: 5px;
            color: #0056b3;
        }
        .section-content p, .section-content ul {
            margin-bottom: 10px;
        }
        .source {
            font-size: 0.9em;
            color: #666;
            text-align: center;
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        <h1>Compliance Report: PayPal US Homepage</h1>
        <p><strong>Date:</strong> December 29, 2025</p>
        <p><strong>Reviewed URL:</strong> <a href="https://www.paypal.com/us/home">https://www.paypal.com/us/home</a></p>
        <p><strong>Reference Guidelines:</strong> Financial Conduct Authority (FCA) Guidelines: Compliance Agent Checklist (FCA-guidelines.pdf)</p>

        <div class="executive-summary">
            <h2>Executive Summary</h2>
            <p>This report assesses the compliance of the PayPal US homepage with the Financial Conduct Authority (FCA) Guidelines for Financial Promotions and Communications. The homepage generally presents clear and accurate information regarding PayPal's services. However, a key area for improvement lies in the prominence and balance of risk disclosures and important disclaimers for financial products. While disclaimers are present, their placement often in footnotes or requiring additional clicks could lead to consumers not fully appreciating associated risks or conditions.</p>
            <div class="compliance-score score-amber">
                Overall Compliance Score: 75% (Amber)
            </div>
        </div>

        <div class="issue-categorization">
            <h2>Issue Categorization</h2>
            <div class="issue-item">
                <div class="issue-color color-red"></div>
                <div class="issue-details">
                    <strong>Major Issues (Red):</strong> No major issues identified that represent direct, severe violations of FCA guidelines.
                </div>
            </div>
            <div class="issue-item">
                <div class="issue-color color-amber"></div>
                <div class="issue-details">
                    <strong>Minor Issues (Amber):</strong>
                    <ul>
                        <li><strong>Prominence of Risk Disclosures:</strong> Key risks and conditions for financial products (e.g., cryptocurrency, credit products, variable APY for savings) are often relegated to footnotes or require clicking "Learn More" links, reducing their immediate visibility.</li>
                        <li><strong>Balance of Information:</strong> The presentation heavily emphasizes benefits, potentially leading to an unbalanced perception of the product offerings where risks and conditions are not given equal prominence.</li>
                    </ul>
                </div>
            </div>
            <div class="issue-item">
                <div class="issue-color color-green"></div>
                <div class="issue-details">
                    <strong>Compliant Areas (Green):</strong>
                    <ul>
                        <li><strong>Clarity and Conciseness:</strong> Language used is generally clear, concise, and easy for the target audience to understand.</li>
                        <li><strong>Accuracy of Factual Claims:</strong> Factual claims appear accurate and are typically supported by disclaimers or links to terms.</li>
                        <li><strong>Absence of Misleading Statements:</strong> No immediately apparent misleading statements or omissions (beyond the prominence of risks).</li>
                        <li><strong>Past Performance Warnings:</strong> Appropriate warnings are given where past performance or variable rates are mentioned (e.g., cryptocurrency risks, variable APY for savings).</li>
                    </ul>
                </div>
            </div>
        </div>

        <div class="report-sections">
            <h2>Report Sections</h2>

            <h3>Tone of Voice</h3>
            <div class="section-content">
                <p>The tone of voice on the PayPal homepage is generally positive, encouraging, and user-friendly, focusing on empowering users to "Pay, Send, and Save smarter." It aims to be accessible and reassuring.</p>
                <h4>Compliance with FCA Guidelines: <span style="color: green;">Green</span></h4>
                <p>The language is clear and concise, making it easy for the target audience to understand the services offered, aligning with the "Clarity and Fairness" aspect of FCA guidelines.</p>
            </div>

            <h3>Accessibility</h3>
            <div class="section-content">
                <p>The website appears to be well-structured and navigable, with clear headings and calls to action. The content is presented in a way that is generally easy to consume digitally.</p>
                <h4>Compliance with FCA Guidelines: <span style="color: green;">Green</span></h4>
                <p>While not explicitly detailed in the FCA financial promotions guidelines, the general clarity and digital effectiveness contribute positively to consumer understanding.</p>
            </div>

            <h3>Clarity</h3>
            <div class="section-content">
                <p>The services offered by PayPal are explained in straightforward terms, using simple language. Key functionalities like "Pay in 4" and "PayPal Savings" are introduced clearly.</p>
                <h4>Compliance with FCA Guidelines: <span style="color: green;">Green</span></h4>
                <p>The promotional materials use clear, concise language that is easy for the target audience to understand, fulfilling a core requirement of the "Clarity and Fairness" guideline.</p>
            </div>

            <h3>Regulations (FCA Financial Promotions and Communications)</h3>
            <div class="section-content">
                <h4>1. Clarity and Fairness</h4>
                <ul>
                    <li><strong>Observation:</strong> While the language is clear, key risks and conditions (e.g., for cryptocurrency, credit products like Pay in 4/Monthly, variable APY for savings) are often presented in smaller font sizes, footnotes, or require users to click "Learn More" links. This reduces their prominence.</li>
                    <li><strong>Compliance:</strong> <span style="color: orange;">Amber</span></li>
                    <li><strong>Justification:</strong> Risks are present but not always prominently displayed in the main promotional text, potentially leading to them being overlooked.</li>
                    <li><strong>Suggested Action:</strong> Elevate key risk disclosures to be more immediately visible within the main promotional sections, using distinct formatting (e.g., slightly larger font, bolding, or direct integration rather than solely footnotes).</li>
                </ul>

                <h4>2. Accuracy</h4>
                <ul>
                    <li><strong>Observation:</strong> Factual claims (e.g., APY, cash back percentages) appear accurate and are typically supported by disclaimers or links to terms. No immediately apparent misleading statements were identified.</li>
                    <li><strong>Compliance:</strong> <span style="color: green;">Green</span></li>
                </ul>

                <h4>3. Balance</h4>
                <ul>
                    <li><strong>Observation:</strong> The homepage strongly emphasizes the benefits of PayPal's services (e.g., "Pay, Send, and Save smarter," "Interest-free payments"). While risks and conditions are mentioned, they are often in less prominent positions, creating an imbalance in the presentation of benefits versus potential downsides.</li>
                    <li><strong>Compliance:</strong> <span style="color: orange;">Amber</span></li>
                    <li><strong>Justification:</strong> The visual hierarchy and textual emphasis heavily favor benefits, which could lead consumers to underestimate potential downsides or conditions.</li>
                    <li><strong>Suggested Action:</strong> Ensure that conditions, limitations, and risks associated with financial products are presented more visibly alongside the benefits, rather than solely in footnotes or separate linked pages, to achieve a more balanced view.</li>
                </ul>

                <h4>4. Digital Communications (Effectiveness of Disclaimers)</h4>
                <ul>
                    <li><strong>Observation:</strong> Disclaimers and risk warnings are present and linked to full terms and conditions, which is good practice for digital formats. However, their effectiveness is somewhat diminished by their less prominent placement on the main page.</li>
                    <li><strong>Compliance:</strong> <span style="color: orange;">Amber</span></li>
                    <li><strong>Justification:</strong> While links to full terms are available, the initial user experience might not sufficiently highlight crucial disclaimers and risks.</li>
                    <li><strong>Suggested Action:</strong> Implement clearer visual cues (e.g., bolding, distinct color, larger font for critical warnings) for disclaimers and risk warnings directly within the promotional text on the homepage, rather than relying solely on footnotes or requiring clicks to separate pages.</li>
                </ul>
            </div>
        </div>

        <div class="source">
            <p>Source: Financial Conduct Authority (FCA) Guidelines: Compliance Agent Checklist (FCA-guidelines.pdf)</p>
        </div>
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Keep the baseline quality score drop-down set to the default of 80%. 80% indicates that the output is a strong match with only minor, non-critical deviations (for instance, slight format inconsistencies or negligible omissions). For more information, see the Add Output Evals section in the Create specialized agents documentation.  

After setting the baseline, you can use the Test Run option to inspect how your specialized agent runs.

  1. Click Test Run.
  2. Enter www.fidelity.com/mutual-funds/overview for the url.
  3. (Optional) Enter your email address. If you do not enter an email address, Opal automatically sends the response to your email address associated with Optimizely.
  4. Click Run.

Your example specialized agent executes. You can view the Output and Execution Memory. See the Test an agent section in the Manage agents documentation for more information on testing your specialized agent. 

Refine your specialized agent

Based on the output of your test run, you can adjust your specialized agent's Prompt Template and Inference Level to refine its output. See the Refinement strategies section in the Specialized agent foundation documentation for additional refinement steps you can take.

Deploy your specialized agent

After any refinements, your specialized agent is ready to deploy. To do so, toggle the Enabled in Chat option on. Now, users in your Opal instance can call your specialized agent by entering @content-review-agent along with a URL and optional email addresses.

Useful resources

For a deeper understanding of the agent ecosystem in Opal, review the following foundational materials:

  • Instructions overview – Develop reusable instructions for contextual use by agents
  • Tools overview – Understand pre-built tools and custom tool development options.
  • Agent overview – Comprehensive guide to agent capabilities and best practices

If you use Opti ID, administrators can turn off generative AI in the Opti ID Admin Center. See Turn generative AI off across Optimizely applications.