Compliance With Friends

A multiplayer risk management board game

How to Play

Objective

You are a Risk Manager for a financial institution. Balance growth against regulatory and criminal exposure over 10 rounds.

Final Score = Growth − Risk. Highest score wins.

Core Concepts

Growth Meter
Your institution’s size and success (1–30). Higher is better. Spend Growth to resolve threats.
Risk Meter
Your regulatory/criminal exposure (1–30). Lower is better.
Regulatory Threats
Face-up threat cards. Resolve by spending Growth. 3+ active leaves you vulnerable during audits.
Criminal Threats
Enter face-down. Must be investigated (revealed) before they can be resolved. 3+ revealed leaves you vulnerable during audits.

Die Mechanic

Each turn you roll a single die. The die size scales with your Growth Meter:

Growth
Die
Range
1–6
d6
1–6
7–13
d12
1–12
14–30
d20
1–20

Roll ≥ Risk Meter = success (managed risk this turn).
Roll < Risk Meter = failure (draw 1 threat card).
Catastrophic failure(roll ≤ die max / 4) = draw 2 threat cards.

Turn Structure

  1. 1
    Audit Check

    No audits in rounds 1–2. From round 3, random audit chance scales with risk (10%–40%). All players are audited at round 8.

  2. 2
    Roll the Die

    Roll to check if you manage risk this turn. Failures draw threat cards.

  3. 3
    Reactive Players

    Other players’ growth cards activate if their activation number matches the roll (1–6 only).

  4. 4
    Main Action (choose one)

    • Draw Cards — Draw 1 growth + 1 threat card (both kept automatically)
    • Investigate — Reveal a hidden criminal threat face-up
    • Whistleblow — Spend 2 growth to add a regulatory card to another player (State Bank: 1 growth)
    • Do Nothing — Skip to resolve phase

  5. 5
    Resolve Threats (repeat as desired)

    Spend Growth to resolve any number of regulatory or revealed criminal threats, then end your turn.

Card Types

Growth:Provide growth boosts and positive effects. Always face-up.
Regulatory Threats:Always face-up when drawn. Resolve by spending Growth. 3+ active makes you vulnerable during audits.
Criminal Threats:Enter face-down when drawn. Must be investigated (revealed) to resolve. 3+ revealed makes you vulnerable during audits.

Elimination

You can only be eliminated during an audit (random or mandatory). If any of these conditions are true when an audit fires, you are immediately eliminated:

  • Risk Meter ≥ 3× Growth Meter
  • 3+ active Regulatory Threats — license revoked
  • 3+ revealed Criminal Threats — institution taken over

These conditions can accumulate freely between audits — but leave you vulnerable when the next audit fires.

End Game & Scoring

After round 10, a final audit occurs. Then:

  • Growth card values are tallied
  • Regulatory threats subtract from Growth; Criminal threats add to Risk
  • Final Score = Growth − Risk (can be negative)
  • Tiebreaker: Growth cards − total threats