Regulatory Technology (RegTech)

Automated, continuous monitoring of global regulatory publications, enforcement actions, and consultation papers. Uses natural language processing (NLP) to parse unstructured legal text and classify relevance.

• Ingests documents from hundreds of regulators globally
• Maps new obligations to existing internal policies and controls
• Provides early-warning alerts for upcoming regulatory changes
• Reduces manual legal research from weeks to hours

Transforms raw regulatory text into structured, machine-readable obligations. Creates a centralized regulatory taxonomy that links each rule to specific business units, products, and geographies.

• Extracts actionable 'shall' and 'must' statements from legal prose
• Tags obligations by jurisdiction, risk type, and business function
• Maintains a dynamic, version-controlled obligations register
• Enables gap analysis between regulatory requirements and existing controls

Streamlines the creation, validation, and submission of mandated reports to supervisory authorities. Integrates with core banking and risk systems to auto-populate regulatory templates.

• Supports formats like COREP, FINREP, and FFIEC 031
• Validates data against regulatory business rules before submission
• Maintains a complete audit trail of all report versions and sign-offs
• Reduces manual data aggregation errors and submission latency

Orchestrates end-to-end compliance processes, from policy attestation to breach remediation. Routes tasks, escalates exceptions, and enforces segregation of duties across the three lines of defense.

• Automates periodic policy review and employee attestation cycles
• Triggers remediation workflows upon control failure detection
• Integrates with GRC platforms for unified risk and compliance visibility
• Provides real-time dashboards on compliance posture for senior management

Extends governance frameworks specifically to AI and machine learning models used in financial decision-making. Automates model inventory tracking, validation scheduling, and findings remediation in alignment with SR 11-7.

• Maintains a complete, searchable model inventory with ownership metadata
• Tracks model validation cycles, findings, and remediation status
• Monitors model performance metrics and triggers alerts on drift
• Generates audit-ready model documentation and attestation reports

Creates a cryptographically secure, time-stamped record of all compliance activities, data accesses, and decisions. Supports forensic reconstruction and demonstrates regulatory due diligence.

• Captures who accessed what data, when, and why
• Records all model decisions, overrides, and justifications
• Provides immutable logs for internal audit and external examiner review
• Enables rapid response to regulatory inquiries with complete evidence packages

A chronologically secure, immutable record of all system activities, data accesses, and model decisions. RegTech platforms rely on robust audit trails to demonstrate compliance.

• Enables reconstruction of events for forensic investigation
• Demonstrates compliance with regulatory record-keeping requirements
• Critical for proving chain of custody in automated reporting
• Supports both internal audit and external regulator examination

The capability to map and visualize the complete end-to-end flow of data from origin source through all transformations to consumption. Essential for RegTech reporting accuracy.

• Ensures reproducibility of regulatory calculations
• Facilitates root cause analysis of data quality issues
• Provides transparency into how raw data becomes compliance metrics
• Supports regulatory inquiries about data provenance

A governance model separating operational management (First Line), independent risk oversight (Second Line), and internal audit (Third Line). RegTech tools serve all three lines.

• First Line: Business units using RegTech for day-to-day compliance
• Second Line: Risk and compliance functions monitoring controls
• Third Line: Audit verifying the effectiveness of RegTech systems
• Ensures no single function has unchecked control over risk decisions