Chapter 20: Compliance, Risk & Regulatory Systems

Compliance systems convert jurisdiction-specific obligations into scoped controls, testable operating procedures, and durable evidence. This chapter covers the controls, calculations, evidence pipelines, and data-governance mechanisms that make those obligations executable.

• 20.1 Regulatory Frameworks: PCI-DSS, SOX, GDPR/data residency, MiCA (crypto), Basel III (risk capital)
• 20.2 Risk Engines: Credit Risk Scoring, Market Risk (VaR), Operational Risk Frameworks
• 20.3 Audit & Compliance Reporting: Immutable Logging, Regulatory Reporting Pipelines, Explainability for Automated Decisions
• 20.4 Data Governance: PII Handling, Data Retention/Deletion, Consent Management
• Chapter 20 References