Regulatory & Compliance Engines.
Configurable rule engines that encode regulatory requirements, evaluate events in real time, and produce examination-ready evidence.
Overview
A compliance engine turns regulation from prose into operating code that is testable, versioned, and traceable to its source.
XVICA builds configurable rule engines for financial services, healthcare, and enterprise regimes across the UK, US, Canada, Australia, and the EU. Rules are authored, reviewed, and deployed under change control. Every evaluation produces a signed record suitable for examination. The engine is framework- agnostic: new obligations are added as rules, not as code releases.
Compliance is no longer a quarterly exercise.
Supervisors expect continuous evidence, not point-in-time attestations. The FCA’s operational resilience regime, the PRA’s prudential rulebook, DORA, MiFID II, EMIR, SMCR, OFAC and FinCEN expectations, and GDPR enforcement practice all trend in the same direction: real-time enforcement, demonstrable coverage, and examination evidence produced on request rather than assembled retrospectively.
Rule-engine platforms that treat regulation as structured content in its own right (versioned, tested, authored by compliance professionals under governance) outperform both ad-hoc code and generic BPM tooling on the two metrics that matter: time to implement new obligations, and quality of evidence at examination.
What we build
A single compliance platform, or named components integrated into an existing RegTech estate.
Deterministic rule engine
Authored in a structured DSL, versioned, and unit-tested. Every evaluation is traceable to the rule and regulation that produced it.
Multi-jurisdiction framework
Rules grouped by regulation, jurisdiction, and effective date so current and historical compliance posture is demonstrable at any point.
Real-time evaluation
Low-latency evaluation for transaction screening, access decisions, and event-driven compliance workflows.
Examination packs
On-demand, signed evidence exports covering selectable date ranges, jurisdictions, and rule families.
Case management
Exception and investigation workflows with audit-grade decision logging, integrated with the underlying rule evaluations.
Regulatory reporting
Transaction, activity, and incident reports generated from live evaluation data in the formats competent authorities require.
How we build compliance engines
Regulation is treated as structured, authored content. Clients retain ownership of rule logic; XVICA provides the platform, authoring tools, testing framework, and operating model.
Obligation mapping
Each regulation is mapped to rules, rules to evaluation points, evaluation points to evidence. Coverage and gaps are explicit.
Authored and reviewed
Compliance professionals author rules in a structured DSL with version control, peer review, and automated testing against historical data.
Deployed under change control
Rule releases follow the same change control as product code. Canary evaluation catches regressions before full deployment.
Evidenced continuously
Every evaluation writes a signed record. Examination packs are produced on demand, not assembled retrospectively.
Technical standards
Sub-100ms evaluation
Real-time at transaction and access-decision latencies.
Signed evaluation records
Cryptographic integrity across the evidence chain.
Historical replay
Re-evaluate any past event against any rule version.
SOC 2 Type II aligned
Controls mapped from specification, evidenced continuously.
Open standards
FIBO, LKIF, and schema.org/Legislation for interoperability.
FIPS 140-2 signing
HSM-backed signing keys with quorum-controlled recovery.
Where organisations deploy this
Representative deployments. Scope varies by sector, jurisdiction, and obligation depth.
Real-time screening for payments
A payment processor screens every transaction against sanctions lists, PEP watchlists, and behavioural typologies at sub-100ms. False-positive case management is integrated; examiner queries on specific transactions return the rule versions, inputs, and decisions in seconds.
MiFID II and EMIR from live ledger
A sell-side broker generates MiFID II transaction reports and EMIR trade reports directly from live ledger events. Reconciliation against ARM/TR acknowledgements is automated; breaks are case-managed; evidence is preserved end-to-end.
DORA scenario testing and evidence
A pan-European bank runs DORA-aligned severe-but-plausible scenario testing as scheduled, automated exercises. Impact tolerances are versioned, third-party dependencies catalogued, and reporting produced in the format ESMA and local competent authorities accept.
Evidence, not just enforcement
Examination ready
Packs produced on demand with full lineage from regulation to evidence.
Continuous visibility
Dashboards that show current compliance posture, not end-of-period summaries.
Tamper-evident
Cryptographic integrity on evaluations, records, and exports.
Rule versioning
Demonstrate historical posture on any past date, not only today.
Wherever regulation lives
Financial Institutions
AML/KYC, MiFID II, DORA, PSR operational resilience, transaction reporting across jurisdictions.
Read onEnterprise
Sectoral compliance for energy, telecoms, and regulated commercial operators.
Read onPublic Sector
Statutory compliance, information rights, and cross-agency data sharing gateways.
Read onHealthcare
HIPAA, UK GDPR, NHS DSPT, and clinical safety DCB0129/0160 evidence.
Read onRegulatory & compliance engines
The questions that come up most often during briefings.
What does a regulatory compliance engine from XVICA do?
It encodes regulatory requirements as structured rules, evaluates transactions, events, and records against those rules in real time, and produces examination-ready evidence. Rules are versioned and testable so each obligation is traceable from regulation to control.
Which regulations have you implemented against?
Reference implementations exist for AML/KYC under FCA, FINRA, OFAC, and EU 6AMLD; GDPR and UK GDPR data subject rights; MiFID II transaction reporting; DORA operational resilience; and sector-specific regimes including HIPAA and CJIS. The rule engine is framework-agnostic; new obligations are added as configuration rather than code.
Is this a rules engine or a policy framework?
It is both. The core is a deterministic rules engine with full audit output. Above it sits a policy layer that groups rules by regulation, jurisdiction, and effective date so you can demonstrate current and historical compliance posture at any point.
How do you keep up with regulatory change?
Rule authoring is explicit and reviewed. Clients retain ownership of rule content; XVICA provides tooling, testing frameworks, and the platform. Regulatory update services are delivered by dedicated partners where appropriate.
How is examination evidence produced?
Every rule evaluation writes a signed record including the rule version, inputs, decision, and reviewer metadata. Examination packs are produced on demand with selectable date ranges, jurisdictions, and rule families, signed at export.
Related reading: transaction & settlement systems, data orchestration, and financial institutions.
Regulation, encoded as operating infrastructure.
Request a confidential briefing to discuss your compliance engineering requirements.
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