Guides regulatory compliance implementation: SOX controls (segregation of duties, access controls, change management), PSD2 (SCA, open banking APIs, TPP authorization), KYC/AML (CDD, EDD, PEP screening, sanction lists), GDPR for financial data, MiFID II, Basel III, and regulatory reporting pipelines. Use when implementing compliance features or auditing financial systems.
Instalación
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Guides regulatory compliance implementation: SOX controls (segregation of duties, access controls, change management), PSD2 (SCA, open banking APIs, TPP authorization), KYC/AML (CDD, EDD, PEP screening, sanction lists), GDPR for financial data, MiFID II, Basel III, and regulatory reporting pipelines. Use when implementing compliance features or auditing financial systems.
Regulatory Compliance
When to use
Implementing SOX segregation of duties and access control evidence collection
Building PSD2 SCA flows or qualifying for TRA exemptions
Implementing KYC/AML (CDD, EDD, PEP screening, sanctions checking)
Navigating GDPR deletion requests against AML 5-7 year retention obligations
Meeting MiFID II best execution or transaction reporting requirements
Designing automated regulatory reporting pipelines with audit trails
Core principles
SoD in code, not just policy — check approver != initiator at the application layer; policy documents don't stop fraud
Legal obligation beats right to erasure — AML retention overrides GDPR deletion; annotate retained records with legal basis
Real-time sanctions screening — onboarding-only screening misses exposure; screen every transaction against updated lists
Automate evidence before the audit — continuous control monitoring; manual evidence gathering at audit time is too late
Version-control transformation rules — regulators audit the logic, not just the output; treat report transforms as code
Reference Files
references/sox-psd2-controls.md — SOX segregation of duties, access controls, change management, evidence collection automation; PSD2 SCA factors, dynamic linking, exemptions (TRA, low-value, recurring), open banking API standards
references/kyc-aml-gdpr.md — CDD/EDD tiers, PEP screening with fuzzy matching, sanctions list sources and update SLAs, transaction monitoring rules, GDPR retention vs AML deletion tension, data minimization
references/mifid-basel-reporting.md — MiFID II best execution and record keeping, Basel III capital/liquidity ratios, regulatory reporting pipeline architecture with validation gating and resubmission workflow
