How 4CRisk Leverages AI to Empower 
Regulatory, Compliance, Governance and Security Teams

Regulatory Compliance Challenges and How 4CRisk Products Benefit the Bank

• The High Volume and Velocity of Global and Local Regulatory Updates: 4CRisk’s Regulatory Change Management product scans the horizon for new or changing regulations, and assesses their impacts on the bank based on its products and jurisdictions, helping banks implement changes up to 30x faster.
• Rulebooks, Obligations & Reporting: 4CRisk’s Regulatory Research and Obligations Management harmonizes requirements across multiple agencies and sources of guidance, rules, regulations, laws, and enforcement actions 30x faster than traditional methods. This makes complying with regulations with vast regulatory reporting mandates (e.g., stress testing, financial disclosures) much more efficient and accurate.
• Cyber Security, Controls Harmonization & Operational Resilience: 4CRisk’s Compliance Map can make stringent regulatory requirements for digital operational resilience, such as the EU’s DORA, including policies, procedures and controls for incident reporting and protecting critical financial infrastructure, 40x faster than traditional methods.
• Enhanced Traceability and Reporting: 4CRisk’s Compliance Map connects external regulations to internal controls, providing real-time, auditable traceability for regulators.
• AI Governance & Ethics: 4CRisk’s trustworthy products can support your frameworks for the responsible use of AI models in lending, trading, and risk management to prevent bias and ensure explainability (XAI) and fairness as regulators focus on AI risk.

Regulatory Compliance Challenges and How 4CRisk Products Benefit Insurance Firms

• Regulatory Complexity: Navigating a patchwork of regulations across state, national, and international jurisdictions such as Solvency II, CCPA and state-level regulations is challenging, particularly for global insurers. 4CRisk’s Regulatory Change Management manages the high volume and velocity of global and local regulatory updates, scans the horizon for new or changing regulations, and assesses their impacts, helping firms implement changes up to 30x faster.
• AI Governance in Underwriting: Managing the risk of bias and ensuring fairness when using AI for pricing, underwriting, and claims processing, which is increasingly under regulatory scrutiny. 4CRisk’s trustworthy products can support your frameworks for the responsible use of AI models in lending, trading, and risk management to prevent bias and ensure explainability (XAI) and fairness as regulators focus on AI risk.
• Cyber Security and Controls Harmonization for Customer Data: Insurers must secure complex digital ecosystems—including agent networks and third-party vendors—against cyber threats to comply with state-specific cybersecurity regulations, such as NYDFS 500. 4CRisk’s Compliance Map identifies gaps and how to close them 40x faster than traditional methods
• Data Privacy & PHI: Health insurers must protect massive amounts of sensitive personal and health information (PHI) from breaches, requiring strict adherence to frameworks like HIPAA and state breach notification laws. 4CRisk’s Compliance Map identifies gaps in your internal policies and controls to external regulations, rules, laws and standards and how to close them 40x faster than traditional methods.

• Consumer Protection & Market Conduct: : Ensuring all product disclosures, sales practices, and claim handling are transparent and fair, and rapidly responding to market conduct examinations. 4CRisk’s Ask ARIA Co-Pilot gets immediate, reliable answers to complex compliance questions by querying internal and regulatory documentation, saving up to 90% research time.

• Rulebooks, Obligations & Reporting: 4CRisk’s Regulatory Research and Obligations Management  harmonizes requirements across multiple agencies and sources of guidance, rules, regulations, laws, and enforcement actions 30x faster than traditional methods. This makes complying to regulations with vast regulatory reporting mandates much more efficient and accurate.

Regulatory Compliance Challenges and How 4CRisk Products Benefit FinTech

• Anti-Money Laundering (AML) & KYC Controls: Implementing scalable, automated, and globally consistent AML/CTF programs to manage customer onboarding and suspicious transaction reporting (STRs) at a high volume is critical for FinTechs. 4CRisk’s Compliance Map quickly identifies gaps between rapidly changing regulations and the firm's evolving internal controls 40x faster than manual methods.
• Regulatory Oversight, Data Privacy & Cross-Border Data Transfer: Rapidly adapting to regulatory convergence, where services like lending, payments, or crypto are increasingly brought under the umbrella of established financial regulations, such as SEC rules and Payment Services Directives. Fintechs must navigate complex global data residency and transfer requirements while maintaining customer trust. 4CRisk’s Regulatory Change Management manages the high volume and velocity of global and local regulatory updates, scans the horizon for new or changing regulations, and assesses their impacts, helping firms implement changes by up to 30x faster
• Cyber Security, Controls Harmonization & Platform Resilience: Fintechs must maintain robust cybersecurity for digital platforms and secure payment data, often requiring adherence to standards like PCI-DSS and regulations like PSD2.  4CRisk’s Compliance Map identifies gaps in your internal policies and controls to external regulations, rules, laws and standards and how to close them 40x faster than traditional methods.
• AI Model Governance: Fintechs must ensure that algorithms used for credit scoring, fraud detection, and automated advice are transparent, explainable, and free from discriminatory bias. 4CRisk’s trustworthy products can support your frameworks for the responsible use of AI models in lending, trading, and risk management to prevent bias and ensure explainability (XAI) and fairness as regulators focus on AI risk.
• Faster Response to Inquiries: Fintechs seek to free experts to focus on strategic and tactical efforts that support the organization’s goals. 4CRisk’s Ask ARIA Co-Pilot enables compliance teams to instantly access reliable answers from internal and external regulatory documents, supporting agile operations.

Compliance Challenges and How 4CRisk Products Benefit Retail Firms

• Data Privacy & Consumer Rights: Managing customer data collected across multiple channels (e-commerce, loyalty programs) and ensuring compliance with stringent consumer rights laws such as GDPR and CCPA, including right-to-be-forgotten and data access requests, is becoming more important for retailers. 4CRisk’s Compliance Map quickly identifies gaps between rapidly changing regulations and standards and the firm's evolving internal controls 40x faster than manual methods.
• Regulatory Oversight, Data Privacy & Cross-Border Data Transfer: Rapidly adapting to regulatory convergence and navigating complex global data residency and transfer requirements are table stakes to maintaining customer trust. Retailers must ensure ethical sourcing, labor laws, and anti-bribery regulations are met across complex, global supply chains.  4CRisk’s Regulatory Change Management manages the high volume and velocity of global and local regulatory updates, scans the horizon for new or changing regulations, and assesses their impacts, helping retailers implement changes by up to 30x faster.
• Cyber Security, Controls Harmonization & Breach Notification, Data Security Standard (PCI-DSS) Compliance: Retailers must maintain continuous compliance with data security and cyber standards to protect cardholder data, which involves complex technical and organizational controls. 4CRisk’s Compliance Map quickly identifies gaps between rapidly changing regulations and the retailer’s evolving internal controls 40x faster than manual methods.
• AI in Customer Personalization: Governing AI used for customer profiling and personalized marketing to prevent misuse of personal data and ensure non-discrimination is cirtical for retailers. 4CRisk’s Compliance Map quickly identifies gaps by cross-referencing privacy regulations like GDPR with internal controls and policies.

Compliance Challenges and How 4CRisk Products Benefit Hi-Tech and Telecom

• Global Regulations, Net Neutrality, Data Privacy & Cross-Border Data Flows: Digital services companies must ensure compliance while navigating complex and often conflicting international data privacy regimes such as GDPR, China's PIPL and US state laws. Telecoms must adhere to regulations concerning network traffic management, equal access, and anti-trust laws. In regions like the EU, the legality of cross-border data transfers is critical to maintaining customer trust. 4CRisk’s Regulatory Change Management manages the high volume and velocity of global and local regulatory updates, scans the horizon for new or changing regulations, and assesses their impacts, helping firms implement changes by up to 30x faster.
• Content & Platform Governance with Effective Policy-to-Standard Alignment: Adhering to new regulations aimed at platform accountability, content moderation, and online safety such as EU Digital Services Act is critical for digital services firms. 4CRisk’s Compliance Map quickly identifies gaps between standards and internal policies and controls 40x faster than manual methods.
• AI Governance & Bias: Developing and deploying AI systems (in services, network optimization) that are fair, transparent, and compliant with emerging AI acts. 4CRisk’s trustworthy products can support your frameworks for the responsible use of AI models in lending, trading, and risk management to prevent bias and ensure explainability (XAI) and fairness as regulators focus on AI risk.
• Cyber Security, Controls Harmonization & Supply Chain Risk: Digital Services firms must secure vast network infrastructure and manage security risks introduced by a global supply chain, often including government-mandated hardware restrictions. 4CRisk’s Compliance Map quickly identifies gaps between rapidly changing regulations and the firm's evolving internal controls 40x faster than manual methods.
• Faster Response to Inquiries: Digital Services firms must free experts to focus on strategic and tactical efforts that support the organizational goals. 4CRisk’s Ask ARIA Co-Pilot enables compliance teams to instantly access reliable answers from internal and external regulatory documents, supporting agile operations.