Connected compliance operating model

Connect regulatory requirements to defensible compliance.

RegPRISM connects regulatory intelligence, obligation management, policies, controls, evidence, workflows and assurance—giving financial institutions one governed platform to understand change, execute action and demonstrate compliance.

Request a demo Explore capabilities
  • Regulatory intelligence to execution
  • Human-governed AI assistance
  • End-to-end traceability
Overview Regulations Obligations Documents Evidence Assurance Workflows
Compliance operating overview Live view
Active obligations1,284+24 this month
Evidence coverage91%+4.2%
Open actions3712 high priority
Consumer Protection Standard updateImpact reviewDue
AML policy evidence certificationAssuranceOn track
Outsourcing control reassessmentTestingComplete

From insight to evidence

More than regulatory monitoring—a connected compliance operating model.

RegPRISM closes the gap between knowing what the regulator expects and proving that the institution has responded effectively.

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Source-to-proof traceability

Link regulations and obligations to owners, policies, procedures, controls, testing outcomes and evidence.

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Institution-specific applicability

Filter regulatory noise through your entities, products, functions, jurisdictions and risk profile.

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AI with governance built in

Use AI to analyse, draft, score and guide while preserving review, approval, accountability and auditability.

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Continuous assurance

Move beyond periodic attestations with structured testing, evidence validation, issues and remediation tracking.

Platform capabilities

One traceable platform for the complete compliance lifecycle.

Move from regulatory requirements to mapped obligations, governed documents, validated evidence and continuous assurance.

Centralized Regulatory Evidence & Document Register

Create one defensible system of record for compliance documentation and evidence.

RegPRISM centralises policies, procedures, controls, training records, attestations, risk assessments and supporting evidence. Each artefact is connected to the applicable obligation, owner, testing outcome and governance history—replacing fragmented repositories with a traceable compliance evidence framework.

PoliciesProceduresControlsTraining recordsAttestationsRisk assessments

Compliance impact

  • Improves audit readiness and regulatory examination preparedness.
  • Strengthens evidence governance across all lines of defence.
  • Provides visibility into ownership, quality, validity and coverage.
  • Reduces effort spent locating and validating compliance artefacts.
Regulatory Evidence Register 1,846 artefacts · 91% mapped
Search documents, controls, obligations or owners+ Add evidence
Document / evidenceTypeStatus
KYC & Customer Due Diligence PolicyPolicyApproved
Transaction Monitoring Control EvidenceEvidenceIn review
Consumer Protection Training RecordTrainingCurrent
Outsourcing Risk AssessmentAssessmentExpiring

Advanced Applicability & Obligation Mapping Engine

Identify what applies, where it applies and who must act.

RegPRISM uses thematic classification, regulatory intelligence and institution-specific business context to determine regulatory relevance. Obligations can be mapped to functions, products, services, legal entities, jurisdictions, risk domains, controls, policies, procedures and accountable owners.

Business functionsProducts & servicesLegal entitiesJurisdictionsRisk domainsOwners

Compliance impact

  • Improves the precision and consistency of applicability assessments.
  • Removes unnecessary reviews and reduces compliance noise.
  • Creates clear ownership for every applicable obligation.
  • Supports scalable oversight across entities and jurisdictions.
Applicability & Obligation Mapping Context: Retail Bank UAE
Regulatory obligationAssess affordability before granting credit
RegulatorConsumer Protection
Risk themeResponsible lending
JurisdictionUnited Arab Emirates
MaterialityHigh
ProductPersonal Loans
Business functionRetail Credit
Legal entityUAE Banking Entity
Internal documentCredit Underwriting Policy
Accountable ownerHead of Retail Risk

Gap Analysis: Regulations vs Internal Documents

See exactly what changed—and where your governance framework must respond.

RegPRISM compares new regulations, amendments, guidance and supervisory expectations with existing obligations, policies and procedures. It distinguishes new, modified, removed, common and unique requirements and helps assess impact across products, functions, entities and stakeholders.

New requirementsModified obligationsRetired provisionsCommon requirementsMaterial change

Compliance impact

  • Accelerates regulatory impact assessment and prioritisation.
  • Reduces manual comparison and dependency on scarce expertise.
  • Improves visibility into policy, procedure and control gaps.
  • Links regulatory change to remediation and implementation.
Regulatory Gap Analysis Version comparison complete
14New requirements
23Modified
6Retired
78Unchanged
Regulatory requirement
→
Internal policy / procedure
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Spectra finding: 8 requirements are not sufficiently addressed in the current Credit Underwriting Policy.

Evidence Scoring vis-à-vis Obligation

Evaluate whether submitted evidence genuinely supports the compliance conclusion.

RegPRISM applies AI-assisted validation to assess evidence against the relevant obligation, control, policy, procedure and expected outcome. Reviewers receive a structured score across relevance, completeness, adequacy and strength, together with contextual recommendations before approval.

RelevanceCompletenessAdequacyStrengthReviewer guidance

Compliance impact

  • Improves the quality and consistency of compliance evidence.
  • Reduces incomplete, inaccurate or insufficient submissions.
  • Creates a measurable, repeatable assessment process.
  • Strengthens control assurance and regulatory defensibility.
AI-Assisted Evidence Review Obligation CP-4.2.1
82
Overall evidence score
Strong with improvements

Relevance94%

Completeness76%

Adequacy81%

Regulatory strength79%

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Validation guidance: Add evidence for January–March and attach reviewer sign-off before certification.

Compliance Co-Pilot for Front-Line Staff

Put governed compliance knowledge inside day-to-day business decisions.

RegPRISM delivers contextual, role-based guidance grounded in approved regulations, policies, procedures, FAQs, guidance documents, regulatory interpretations and organisational knowledge. Users receive immediate answers in their business context while compliance teams retain control over sources and access.

Role-based guidanceApproved knowledgeSource referencesOperational workflowsAccess controls

Compliance impact

  • Reduces dependency on compliance teams for routine questions.
  • Promotes consistent interpretation across products and channels.
  • Improves the quality and speed of front-line decisions.
  • Strengthens regulatory awareness and compliance culture.
Spectra Compliance Co-Pilot Role: Relationship Manager
Ask a compliance question

Can I communicate a conditional loan approval before affordability checks are complete?

Do not describe the facility as approved. You may say the application is under assessment and remains subject to affordability and verification checks.Retail Lending Policy §6.4CP Standard §4.2

What should the customer message include?

State the outstanding conditions, the validity period of the indicative terms, any information still required and that final approval is subject to the bank's assessment. Do not quote a guaranteed disbursement date.

Ask Spectra about a policy →

Policy & Procedure Drafting

Move from identified regulatory change to a governed first draft faster.

RegPRISM uses applicable obligations, existing governance frameworks, internal standards and organisational templates to generate draft policies, procedures, controls and governance narratives—while keeping subject-matter review and approval firmly within the institution.

Policy draftsProcedure draftsControl narrativesInternal templatesHuman review

Compliance impact

  • Accelerates policy and procedure development cycles.
  • Improves alignment between regulations and governance documents.
  • Reduces repetitive drafting and cross-document inconsistency.
  • Supports faster implementation of regulatory change.
AI-Assisted Policy Drafting Draft 0.3 · SME review

Source obligationHigh impact

Licensed Financial Institutions must establish documented affordability assessment criteria and retain sufficient evidence to demonstrate that lending decisions consider the customer's financial circumstances and repayment capacity.
Mapped to: Retail Lending Policy, Credit Underwriting Procedure and Affordability Control AC-07.

Generated policy amendmentCompare changes

6.4 Affordability Assessment

Policy requirementThe Bank shall complete a documented affordability assessment before issuing final credit approval to a retail customer.
Minimum assessment criteriaThe assessment shall consider verified income, committed expenditure, existing obligations, repayment capacity and applicable debt-burden parameters.
Evidence and retentionThe decision record and supporting documents shall be retained in accordance with the Bank's records management standard.
Spectra used 3 obligations, 2 internal standards and the approved Retail Policy template. Review all suggested text before approval.

Compliance Assurance & Continuous Testing

Test whether obligations and controls are working—not merely documented.

RegPRISM provides a dedicated assurance environment for obligations, controls, policies, procedures and compliance requirements. Teams can design risk-based monitoring programmes, trigger tests, collect evidence, assess effectiveness, manage findings and track remediation to closure.

Risk-based testingMonitoring programmesControl effectivenessReassessment triggersRemediation

Compliance impact

  • Establishes a model for continuous compliance assurance.
  • Identifies control weaknesses and emerging risks earlier.
  • Improves second-line oversight and evidence-based reporting.
  • Demonstrates ongoing adherence and programme effectiveness.
Compliance Assurance Plan 2026 monitoring programme
Tests planned126
Effective88%
Findings17
Testing activityRiskProgressResult
Retail affordability assessment sampling High 75% In progress
Sanctions screening parameter review High 100% Effective
Complaint acknowledgement timeliness Medium 100% Finding
Outsourcing due diligence evidence Medium 42% In progress

Form Builder & Configurable Workflow Management

Digitise institution-specific processes without forcing them into generic workflows.

RegPRISM enables teams to configure dynamic forms, multi-level approvals, maker-checker controls, attestations, governance checkpoints and jurisdiction- or entity-specific routing. One framework supports impact assessments, policy reviews, evidence certification, testing and issues.

Dynamic formsMulti-level approvalMaker-checkerAttestationsGovernance checkpoints

Compliance impact

  • Strengthens governance, accountability and oversight.
  • Improves auditability and decision traceability.
  • Enforces internal control and approval requirements.
  • Increases efficiency through workflow automation.
Configurable Workflow Designer Regulatory Impact Assessment
Step 1 · MakerBusiness impact assessmentDynamic form · 12 fields
Step 2 · CheckerCompliance reviewSLA: 3 business days
Step 3 · ApproverExecutive approvalHigh-impact changes only
Conditional routeReturn for clarificationReviewer comments
Conditional routeEscalate to committeeMaterial risk threshold
SpectraRegulatory AI
Analyse change Map obligations Score evidence Draft governance Guide users Explain & reference

Intelligence across the lifecycle

AI applied across compliance—not added as a separate chatbot.

Spectra helps interpret regulatory change, evaluate applicability, identify gaps, validate evidence, draft governance content and deliver contextual guidance. Every assisted output stays connected to source material and governed workflow.

Context-aware

Uses regulatory, business and governance context.

Traceable

References source material and mapped obligations.

Role-sensitive

Adapts guidance to responsibility and entitlement.

Workflow-connected

Moves outputs into review, approval and assurance.

Human in control

AI assists analysis and execution. Your configured review, approval and audit controls remain in place.

Enterprise by design

Built around the complexity of regulated financial institutions.

Multi-entity and multi-jurisdiction

Model legal entities, products, businesses, regulators and approval structures in one connected framework.

Configurable operating model

Adapt forms, taxonomies, ownership, workflows, testing methods and reporting to institutional needs.

Governed accountability

Support role-based responsibilities, maker-checker controls, approvals and attestations.

Audit-ready history

Maintain a structured record of source, interpretation, ownership, evidence, testing and approvals.

Integration-ready architecture

Exchange data and workflow context with document repositories, GRC platforms and enterprise systems.

Management visibility

Report across regulatory change, obligations, evidence, testing, findings and remediation.

One shared operating picture

Relevant to every team responsible for compliance outcomes.

Chief Compliance Officer

Enterprise oversight, exposure and assurance

Regulatory Change

Applicability, gaps, impact and action

Policy & Governance

Mapped documents, drafting and approvals

Business & Front Line

Contextual guidance and accountability

Compliance Assurance

Testing, evidence, findings and remediation

Internal Audit

Traceability, defensibility and review history

Frequently asked questions

Common questions from compliance and technology teams.

A document management system stores and retrieves files. RegPRISM adds the compliance context around them, connecting each policy, procedure, control record, attestation or test result to its obligation, owner, approval status, review date and testing outcome.

The platform combines thematic classification and regulatory intelligence with institution-specific context such as jurisdiction, entity type, products, services, business functions and risk domains. Compliance users can review, refine and approve the resulting applicability decision.

RegPRISM compares new or amended instruments with previous requirements and the institution's internal governance documents. It identifies new, modified, removed, unchanged and unique requirements, then helps teams assess their impact.

No. It assesses relevance, completeness, adequacy and strength, then gives reviewers contextual guidance. Approval, certification and escalation continue to follow the institution's configured governance controls.

The co-pilot is grounded in approved regulations, policies, procedures, FAQs and interpretations. Role-based access controls what each user can see, while source references make the basis of guidance reviewable.

Yes. It can use applicable obligations, existing governance documents, approved organisational templates, internal standards and preferred terminology to prepare a structured first draft for human review and approval.

The framework supports risk-based testing plans, monitoring programmes, control design and operating-effectiveness assessments, evidence requests, findings, remediation plans, reassessment and management reporting.

Teams can design dynamic fields, approval hierarchies, maker-checker controls, attestations, service levels, escalation rules and governance checkpoints, with routing that varies by entity, jurisdiction, materiality or risk.

Experience Regulatory Intelligence in Action

See how RegPRISM, powered by Spectra, helps organizations monitor regulatory updates, interpret obligations, and coordinate compliance execution across teams.