Enterprise Compliance Architecture

Compliance-First
Architecture

Built for the most regulated industries on earth. Every layer governed. Every decision auditable. Every proof formally verified.

⚠️
DORA Compliance Deadline
Digital Operational Resilience Act — EU
—
Days Remaining
January 1, 2027
Hard Statutory Deadline

DORA — Digital Operational Resilience Act

Regulation (EU) 2022/2554 · Effective January 17, 2025 · Full compliance required January 1, 2027

🔴 EU Hard Statutory Deadline — January 1, 2027

What Article 17 Requires

  • ▸ICT Risk Management Framework — documented policies, end-to-end threat detection, continuous monitoring
  • ▸Incident Classification & Reporting — major incidents reported to regulator within strict time windows
  • ▸Digital Operational Resilience Testing — TLPT (threat-led penetration testing) for significant institutions
  • ▸Third-Party Risk Management — register of ICT providers, contractual obligations, exit strategies

Why AI Systems Must Comply

DORA's definition of "ICT systems" explicitly encompasses AI agents, LLM-based automation, and machine-learning inference pipelines used in financial services operations.

Any AI system making or influencing operational decisions — credit scoring, fraud detection, customer service, trade execution — falls under DORA's scope. No carve-outs.

Unregistered AI agents = unregistered ICT risk = regulatory exposure.

Non-Compliance Consequences

Financial Sanctions
Fines up to 1% of global average annual turnover per day of non-compliance.
Reputational & Operational
Public regulatory actions, supervisory interventions, mandatory remediation programmes.

How OrchestrAI maps to DORA Article 17

ACE Loop
Continuous resilience testing mapped to DORA Article 17 §3
Resilience Testing
Audit Logger
Immutable tamper-evident incident log with regulator-ready export
Incident Reporting
Constitutional Engine
75-law governance framework providing the ICT risk management backbone
ICT Risk Management
Lean-4 Verifier
Formal mathematical proofs — machine-checkable evidence for regulators
Formal Verification

RBI FREE-AI — Reserve Bank of India

Framework for Responsible & Ethical Experimentation in AI · Effective April 2026

🟠 India FSI Mandate

What FREE-AI Covers

  • ▸ Responsible experimentation protocols for AI in lending, payments, and advisory
  • ▸ Explainability mandates — customers must receive meaningful explanations for AI decisions
  • ▸ Bias detection and fairness testing before production deployment
  • ▸ Data localisation compliance for AI training and inference workloads
  • ▸ Human oversight requirements for high-impact AI decisions
IndiaFinBench
406 Q-A evaluation harness built for India FSI regulatory scenarios
FSI Advisory Agents
11 specialised agents pre-tested against FREE-AI fairness criteria
Constitutional Guardrails
Binding laws enforced at inference time — human oversight gates built-in
Explainability Engine
Decision trace exported in regulator-ready format for RBI examination

PCI-DSS v4 — Payment Card Industry

Payment Card Industry Data Security Standard v4.0 · Full enforcement from March 2025

🔴 Global Mandate

New AI-Specific Requirements in v4

  • ▸ AI-generated threat detection must be validated and auditable
  • ▸ Automated security controls require documented decision logic
  • ▸ PII processed by AI systems must meet cardholder data environment requirements
  • ▸ Continuous monitoring requirements replace point-in-time assessments
PCI-DSS Layer
Dedicated architecture layer with CDE isolation and tokenisation controls
PII Scanner
Real-time detection and redaction of cardholder data in AI inputs/outputs
Audit Logger
PCI-compliant log retention with tamper-evident storage and QSA-ready exports
Encrypted Pipelines
End-to-end encryption for all data in transit and at rest across the AI stack

Additional Regulatory Coverage

OrchestrAI's compliance architecture extends across the full spectrum of enterprise financial regulation.

MiCA

EU · Crypto Assets

Markets in Crypto-Assets Regulation. Regulates issuers and crypto-asset service providers, including AI-driven trading systems.

Constitutional Engine Audit Logger OPA Governance

NIS2 Directive

EU · Cybersecurity

Expanded cybersecurity obligations for essential entities. AI systems in critical infrastructure face mandatory incident reporting within 24 hours.

Incident Response eBPF Observability Drift Monitor

GDPR AI Overlay

EU · Data Protection

GDPR Article 22 automated decision-making requirements. Individuals have the right to explanation for AI-driven decisions.

Explainability Engine PII Scanner Glass Dome

Coverage Matrix

Regulation × capability coverage. Assessed against published regulatory requirements as of Q2 2026.

Regulation Audit Trail Formal Verification Explainability Incident Response Data Governance Risk Management Eval Framework
🔴DORA✅✅✅✅✅✅✅
🔴PCI-DSS v4✅🔶🔶✅✅✅✅
🟠RBI FREE-AI✅✅✅✅✅✅✅
🟠OCC AI Guidance✅✅✅🔶✅✅✅
🔵MiCA✅🔶🔶✅✅✅🔶
🔵NIS2✅🔶—✅✅✅🔶
🔵GDPR AI✅—✅🔶✅✅—
✅ Full Coverage🔶 Partial Coverage— Not Applicable
— days until DORA deadline

Don't Wait for the Deadline

Get your DORA readiness assessment today. Our team will map your current AI infrastructure against Article 17 requirements and identify your gaps before regulators do.

Get Your DORA Readiness Assessment