Regulatory compliance engines for financial institutions.
AML, sanctions, MiFID II, DORA, SMCR — encoded as structured rules, evaluated in real time, evidenced at export. Examination-ready by construction.
Overview
Regulatory compliance engines infrastructure for financial institutions, built to the standard institutions in this sector are required to operate.
XVICA designs, builds, and operates this layer for financial institutions clients in the UK, US, Canada, and Australia. The work is specified against the regulatory regime, the operational profile, and the examination expectations of this sector before any code is written.
What financial institutions cannot get wrong here.
- Regulatory change arrives faster than implementation cycles.
- Examination evidence requires the system's word, not the slide deck's.
- Manual controls do not scale to contemporary transaction volumes.
- A missed sanctions hit is a headline and a fine.
Named regimes, mapped controls
Regulatory requirements are translated into explicit control requirements, then mapped to tests and evidence collection. Nothing is implied.
Financial crime
FCA FCG, JMLSG guidance, OFAC / OFSI sanctions, EU 6AMLD, FinCEN BSA/AML, and FINTRAC / AUSTRAC equivalents.
Conduct & market
FCA COBS/SYSC, MiFID II and MiFIR, EMIR, SMCR, and consumer duty evidence.
Operational & resilience
DORA, PS21/3, APRA CPS 230, OSFI E-21, and NYDFS Part 500.
Design decisions distinctive to this intersection
Components and design choices that recur across our work for this sector. Each deployment is specified individually.
Deterministic rule engine
Rules author in a reviewable DSL; every evaluation produces a signed, versioned decision record.
Versioned regulatory taxonomy
Rules grouped by regulation, jurisdiction, and effective date. Historical posture queryable at any date.
Case management, not ticket spam
Alerts feed into a workflow with documented disposition, SLA, and QA sampling. Closed alerts are evidence, not noise.
Model integration with SR 11-7 discipline
Where models inform rules, model inputs, versions, and outputs are captured end-to-end.
Examination pack on demand
Selectable date range, rule family, jurisdiction. Signed at export.
How we work in financial institutions.
Regulatory compliance in a financial institution does not fail in engineering; it fails in evidence. The rule was applied; nobody can show it. The sanctions list was updated; nobody can prove it covered the transaction. We build the engine so that the evidence is a consequence of operation rather than a separate reporting project. Every rule evaluation is a signed record; every list update is versioned against the transactions that saw it; every alert disposition is a workflow with documented quality assurance. When an examiner asks a question, the answer is a query, not a project. The engagements that deliver this well also deliver the second-order benefit: compliance operations spends less time producing packs and more time working the cases that actually matter.
How engagements run
Three canonical commercial models. The right one depends on your in-house capability roadmap and risk appetite.
License and operate a ready platform
Deploy an XVICA-developed platform configured for your environment. Optional managed operations under SLA.
Partnership modelCo-Build + OperateLong-term joint build
XVICA leads engineering; your team provides domain ownership and governance. Outcome-based commercial structure.
Partnership modelBuild-Operate-TransferBuild it, run it, hand it over
Designed, built, and operated to a specified maturity threshold, then transferred with documentation and runbooks.
Partnership modelRegulatory compliance engines elsewhere
The same engineering discipline applied to neighbouring industries. Regulatory regime and operating profile differ; the standard does not.
Regulatory for enterprise
Anti-bribery, sanctions, trade compliance, and sector-specific regimes on one configurable engine. Evidence-grade, auditor-ready, scalable across entities.
Read onRegulatory for public sector
Policy-as-code for government. Decisions that can be explained, evidenced, and reviewed — by Parliament, NAO, or the people affected.
Read onRegulatory for healthcare
Information governance, clinical safety, and payer integrity rules encoded once and evidenced continuously. Built for IG committees, auditors, and regulators.
Read onRegulatory compliance engines infrastructure for financial institutions.
Request a confidential briefing. We assess alignment and outline how XVICA can support your objectives in this sector.
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