The GRC gap in fintech
Most fintechs start compliance with a GRC tool. It manages policies, tracks controls, and generates audit reports. But there is a critical gap: GRC platforms don't tell you which regulations apply to you. They manage compliance once you know your obligations, but discovering those obligations is still a manual, research-heavy process that takes 2-5 weeks per market.
For a payments fintech expanding into Germany, France, and Spain, that's 3 separate regulatory mapping exercises, each involving PSD2 transposition differences, local AML requirements, consumer protection variations, and DORA implementation specifics. Multiply by the number of products and the complexity explodes.
The modern compliance IT stack
In 2026, leading fintech compliance teams are structuring their technology stack in four layers, with regulatory intelligence as the foundation that feeds everything downstream.
Regulatory Intelligence Layer
The foundation of a modern compliance stack. AI-powered platforms like Cleo automatically identify which regulations apply to your specific products and markets, monitor 3,700+ sources for changes, and generate risk-scored alerts. This replaces the analyst-driven research that used to take weeks per market.
AML/KYC Engine
Transaction monitoring, sanctions screening, and customer due diligence remain critical for fintechs. Modern AML engines use machine learning to reduce false positives while maintaining high recall rates. Under AML6 and MiCA, fintechs face stricter requirements than ever.
GRC & Policy Management
GRC platforms manage the downstream workflow: policies, controls, evidence collection, and audit documentation. The key shift in 2026 is that GRC tools work best when fed by upstream regulatory intelligence, turning Cleo's automated mapping into structured controls and trackable obligations.
Integration & Orchestration
Compliance doesn't live in isolation. Modern stacks connect to Slack and Teams for real-time alerts, Jira for compliance task tracking, and CI/CD pipelines for automated policy checks. DORA specifically requires that ICT risk management be integrated into existing operational processes.
Why DORA and MiCA change the equation
DORA requires financial entities to maintain a comprehensive ICT risk management framework, including third-party risk registers, incident reporting protocols, and resilience testing. MiCA introduces licensing and operational requirements for crypto-asset service providers. Both regulations demand continuous monitoring and rapid response to regulatory updates.
50+
Frameworks
106
Countries
5 min
Mapping time
10x
Faster vs manual
"Cleo replaced 3 FTEs dedicated to regulatory monitoring. Our compliance team now spends time on strategy and implementation instead of research and tracking."
Head of Compliance, Series B Fintech
Sources & references
- Regulation (EU) 2022/2554: Digital Operational Resilience Act (DORA)
- Regulation (EU) 2023/1114: Markets in Crypto-Assets (MiCA)
