Intelligent Systems for Regulatory Compliance: Cyber Resilience in a High Risk Financial Landscape
DOI:
https://doi.org/10.63282/3117-5481/WFCMLS26-102Keywords:
Intelligent Regulatory Systems, Regtech 3.0, AI‑Driven Compliance, Cyber‑Resilience, Operational Resilience, Continuous Monitoring, Real‑Time Reporting, Anomaly Detection, Model Risk Management, Data Governance (BCBS 239), Third‑Party Risk, Autonomous ComplianceAbstract
The rapidly evolving financial ecosystem characterized by heightened cyber threats, complex regulations, and accelerated digital transformation demands a new paradigm for regulatory compliance. Traditional, manual, and siloed compliance processes are no longer sufficient to ensure resilience in a high risk environment. This article explores the emergence of intelligent systems that integrate artificial intelligence, machine learning, advanced analytics, and automated workflows to create a proactive and adaptive compliance framework. These systems enhance cyber-resilience by continuously monitoring threats, detecting anomalies in real‑time, and automating regulatory reporting with improved accuracy and transparency. By unifying operational, risk, and cybersecurity data, intelligent compliance platforms enable financial institutions to anticipate vulnerabilities, respond swiftly to incidents, and maintain regulatory alignment across global jurisdictions. The paper highlights the architecture, capabilities, and practical applications of these technologies while examining challenges such as model risk, legacy integration, and regulatory acceptance. Ultimately, intelligent systems represent a transformative approach to safeguarding financial stability, reducing compliance burden, and strengthening cyber resilience amid increasing systemic risk.
References
[1] Basel Committee on Banking Supervision. (2013). Principles for effective risk data aggregation and risk reporting (BCBS 239). Bank for International Settlements. [bis.org]
[2] European Parliament & Council of the European Union. (2022). Regulation (EU) 2022/2554 on digital operational resilience for the financial sector (DORA). EUR Lex. [eur-lex.europa.eu]
[3] National Institute of Standards and Technology. (2024). the NIST Cybersecurity Framework (CSF) 2.0 (NIST CSWP 29). U.S. Department of Commerce. [nist.gov], [nvlpubs.nist.gov]
[4] Australian Prudential Regulation Authority. (2019). Prudential Standard CPS 234: Information Security. APRA. [apra.gov.au]
[5] Office of the Comptroller of the Currency. (2023, June 6). OCC Bulletin 2023-17: Interagency Guidance on Third-Party Relationships: Risk Management. OCC. [occ.gov]
[6] Board of Governors of the Federal Reserve System. (2023, June 7). SR 23 4: Interagency Guidance on Third Party Relationships: Risk Management. Federal Reserve. [federalreserve.gov]
[7] Federal Deposit Insurance Corporation. (2023, June 6). Financial Institution Letter (FIL 23 029): Interagency Guidance on Third Party Relationships: Risk Management. FDIC. [fdic.gov]
[8] Prudential Regulation Authority. (2021, March). PS6/21: Operational resilience—Impact tolerances for important business services. Bank of England / PRA. [bankofengland.co.uk]
[9] Financial Conduct Authority. (2026, January 21). Operational resilience (rules, expectations, and timelines). FCA.
