Regulatory Reporting Automation

Payment fintechs face 20-50 different regulatory filing obligations across AML, transaction reporting, prudential requirements, and operational metrics - each with different formats, deadlines, and data requirements. Compliance teams manually compile data from multiple systems, spending 40-60 hours per month on recurring reports, with constant risk of late filings or data errors that trigger regulatory scrutiny. There's no unified view of what's due when, no automated data pipelines, and every regulatory change means rebuilding manual processes.

This solution automates regulatory filing workflows, centralizes submission tracking, and provides early warning for missing or late filings.

WHAT DOES IT SOLVE?

AML & Financial Crime Reporting Automation

• Answers: How do we automate suspicious activity reports, currency transaction reports, and sanctions screening submissions?

• What it contains: Automated SAR/STR/CTR data compilation from transaction monitoring systems; sanctions match reporting workflows; filing approval routing and submission; deadline tracking and alerts; data quality validation pre-submission; filing history and audit trail; regulator acknowledgment tracking

Transaction Reporting Automation

• Answers: How do we automate mandatory wire transfer, cross-border, and large payment reporting obligations?

• What it contains: Automated extraction and formatting for wire transfer reports, cross-border transaction filings, and large payment notifications; jurisdiction-specific reporting logic (SWIFT, SEPA, FedWire requirements); threshold monitoring and auto-trigger for reportable transactions; batch submission preparation; exception handling for incomplete data

Prudential & Financial Returns Automation

• Answers: How do we automate regulatory capital, safeguarding, and client money reporting requirements?

• What it contains: Automated capital adequacy calculations and reporting; safeguarding account reconciliation and submissions; client money segregation reporting; liquidity and financial position reports; regulatory balance sheet preparation; submission scheduling and tracking

Operational Incidents & Consumer Protection Reporting

• Answers: How do we automate reporting of service incidents, outages, complaints, and consumer protection metrics?

• What it contains: Automated incident reporting workflows (major outages, data breaches, fraud incidents); customer complaints data compilation and regulatory submissions; service availability and uptime reporting; vulnerable customer metrics; fair treatment reporting; operational resilience submissions

Payment Scheme Compliance Reporting

• Answers: How do we automate card scheme compliance submissions and operating regulation attestations?

• What it contains: Visa/Mastercard compliance statistics automation; fraud reporting to card schemes; network rule compliance attestations; PCI-DSS reporting requirements; scheme audit evidence compilation; operating regulation metric tracking

CORE MODULES

Filings Automation

ADVANCED MODULES

Filing Quality & Completeness Health Dashboard

• Answers: Are our submissions complete, accurate, and high-quality before they go out, and how is quality trending?

• What it contains: Pre-submission data quality scoring system; completeness validation against regulatory requirements; historical filing quality trend analysis; common error pattern detection and alerts; submission readiness traffic light dashboard; quality improvement tracking over time; regulator feedback incorporation

Regulatory Calendar & Deadline Risk Monitoring

• Answers: What's our risk of missing deadlines, where are the bottlenecks, and how well are we performing on timeliness?

• What it contains: Real-time filing calendar with status tracking across all obligations; deadline risk scoring by submission; bottleneck identification in filing workflows; team capacity vs upcoming deadline analysis; historical on-time performance trends; early warning alerts (30/14/7/1 day); late filing root cause analysis

Multi-Jurisdiction Filing Coordination & Performance

• Answers: How efficiently are we managing filing obligations across multiple regulators and jurisdictions?

• What it contains: Cross-jurisdiction filing comparison and coordination dashboard; consolidated data requirements mapping; jurisdiction-specific submission performance tracking; regulatory relationship quality scoring; global compliance team workflow efficiency; coordination overhead analysis; jurisdiction risk assessment

Filings Health

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*

• Transaction & Activity Data -with amounts, parties, geographies, payment methods; suspicious activity flags and investigation outcomes

• Account & Customer Data - Customer accounts, safeguarding balances, client money segregation, KYC documentation, complaints records

• Operational Data - System incidents, outages, service disruptions, fraud events, security breaches, SLA performance

• Financial & Prudential Data - Capital positions, liquidity metrics, balance sheet data, reconciliation records, own funds calculations

• Compliance Activity Data - Filing submission history, regulator correspondence, license conditions, material change notifications

Data Sets

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