Cloud-Native Financial Compliance Intelligence
DOI:
https://doi.org/10.5281/zenodo.21509569Keywords:
Real-Time Compliance, RegTech Systems, Compliance Analytics, Policy Enforcement, Event-Driven Compliance, Risk Monitoring, Streaming Data Processing, Low-Latency Governance, Fraud Detection, M2M Risk Analysis, Predictive Compliance, Compliance Monitoring, Regulatory Decisioning, Compliance Triggers, Data Governance, Privacy by Design, Security by Design, Compliance Infrastructure, Risk Analytics, Security Monitoring.Abstract
Real-time compliance requirements pose considerable challenges to service-oriented, cloud-based regulatory technology (RegTech) systems. The volume, variety, velocity, and variability of adverse events often necessitate rapid action. High-frequency trading systems, for example, may have to react to changes in government policy markets within milliseconds. Other triggering events might require a risk-based response to data on machine-to-machine fraud at an appropriate decision time horizon. Information security threats demand constant vigilance and prompt countermeasures.
While regulatory compliance is primarily enforced via laid-down policies, lifecycle monitoring of the policy-defined controls is often considered neither formal nor critical for compliance. Dynamic policy enforcement, however, renders this choice invalid. Latency requirements for the governance of RegTech systems must therefore extend beyond the immediate-response horizon to include compliance-related data processing, storage, and data quality management. Such requirements are applicable to both the optional compliance checks that stop short of automatic intervention and to the auxiliary non-functional compliance triggers such as privacy or security by design.
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