Compliance Health & Governance

Many fintechs can't confidently answer "are we compliant?" when the board or auditors ask. Compliance evidence lives scattered across emails, spreadsheets, and ticketing systems with no central repository. Policy exceptions get approved verbally with no tracking, control testing happens sporadically without trend analysis, and regulatory breaches are managed reactively without pattern detection. When regulators arrive for an exam or auditors request evidence, compliance teams spend weeks manually compiling documentation that should be instantly available.

This solution creates a unified compliance governance framework that tracks exceptions, monitors control effectiveness, maintains audit-ready evidence, and provides board-level visibility into compliance health and emerging risks.

WHAT DOES IT SOLVE?

Policy Exception Tracking & Management

• Answers: What policy exceptions have been granted, are they still justified, and are we tracking them properly?

• What it contains: Centralized policy exception repository with approval workflows; exception categorization by policy type and risk level; exception expiry tracking and renewal reminders; volume and trend analysis by exception type; risk concentration identification; audit trail for all approvals and renewals

Control Testing & Effectiveness Monitoring

• Answers: Are our coampliance controls actually working, and where are the control failures?

• What it contains: Control testing schedule and execution tracking; test results and failure analysis; control effectiveness scoring over time; gap identification between design and operating effectiveness; remediation tracking for failed controls; regulatory control mapping and coverage

Compliance Health Executive Scorecard

• Answers: What does the board & executive team need to know about compliance health, risks, and emerging issues?

• What it contains: Executive compliance KPI dashboard (exceptions, breaches, control failures, audit findings); regulatory breach tracking and severity scoring; emerging risk identification and escalation; compliance project status and milestones; regulatory relationship health indicators; trend analysis and year-over-year comparisons

Regulatory Breach & Issue Tracking

• Answers: What compliance breaches have occurred, what's the root cause, and are we fixing systemic issues?

• What it contains: Breach and issue logging with severity classification; root cause analysis and pattern detection; corrective action tracking and verification; breach notification management to regulators; repeat breach identification; impact assessment and regulatory exposure quantification

Audit Readiness Analysis

• Answers: Are we ready for an audit and which areas pose the highest audit risk?

• What it contains: Audit readiness scoring by regulatory requirement and compliance domain; evidence completeness gap identification; documentation quality assessment; control testing coverage gaps; historical audit finding pattern analysis; readiness red flags; benchmark comparison vs regulatory expectation

CORE MODULES

Descriptive & Diagnostic

Regulatory Breach Forecasting & Impact Model

• Answers: What types of breaches are we most vulnerable to, and what's the potential regulatory impact?

• What it contains: Predictive modeling of breach likelihood by compliance area; regulatory exposure quantification and severity forecasting; scenario modeling for potential enforcement actions; vulnerability scoring across compliance domains; mitigation priority recommendations

Control Failure Prediction Model

• Answers: Which controls are most likely to fail, and where should we focus testing and remediation?

• What it contains: ML-based prediction of control failure likelihood; control risk scoring based on historical test results and environmental factors; early warning for high-risk controls; testing prioritization recommendations; expected failure impact modeling

ADVANCED MODULES

Predictive & Prescriptive

DELIVERABLES

Built in PowerBI, Tableau, or Looker & adhering to client's brand book

Dedicated tab per analysis plus executive summary overview

AI-generated insights and recommended actions per analysis

SQL queries built in client's database system with controlled access

Python scripts for statistical and ML models (if applicable)

Added to client's GitHub repository, or delivered as standalone package

Technical Guide: Data sources, logic, formulas & maintenance procedures

Analysis Handbook: Metric definitions, interpretation, use cases & action framework

Dashboard

Code Base

Documentation

Knowledge Transfer

Live & Recorded walkthrough of dashboard functionality and insights

Q&A session covering methodology, use cases, and recommendations

30-day post-delivery support for questions and adjustments

MAIN REQUIREMENTS

• Transaction and operational data must be accessible in a relational database

• BI Platform Subscription with data base gateway for dashboard automation.

• Relevant APIs & ETL workflows should be functional and consistent.

Data Infrastructure*

• Policy & Exception Data - Policy documentation, exception requests and approvals, exception expiry dates, policy breach records

• Control Testing Data - Control inventory, testing schedules, test results, control failures, remediation actions

• Audit & Examination Data - Audit findings, regulator feedback, evidence requests, examination reports, issue tracking

• Regulatory Compliance Data - Regulatory requirements , compliance assessments, breach records, corrective actions

Data Sets

*Data infrastructure set up is out of scope. It can be provided as a separate engagement.