Regulatory Intelligence Ops
Overview
Regulatory Intelligence Ops is the highest strategic maturity service within Sensedia's Open Services portfolio. It goes beyond the technical operation and incident handling — it acts at the regulatory and strategic intelligence layer of the Open Finance and Open Insurance operation.
The service elevates the institution's maturity with active governance, critical indicator monitoring, and data-driven strategic direction, connecting regulatory compliance to business value generation and monetization opportunities.
Problem it solves: many institutions treat Open Finance solely as a regulatory obligation — and miss strategic opportunities in the process. At the same time, managing certificates, certifications, performance indicators, and architectural compliance requires specialized expertise that is rarely available internally on a full-time basis. The result is unmonitored structural risks, compliance gaps discovered too late, and low conversion rates in Open journeys.
Operating Model
Regulatory Intelligence Ops operates across four complementary fronts:
- Regulatory Diagnosis and Shielding — Full operational assessment and gap mapping against current regulatory manuals.
- Certification Lifecycle Management — Specialized test execution, failure triage, and certification cycle acceleration.
- Performance and Conversion Monitoring — Open journey visibility, regulatory indicators, and technical deploy validation.
- Strategic Evolution and Business Intelligence — Workshops, benchmarking, monetization, and new Open product enablement.
Scope Items and Deliverables
1. Certificate and Certification Governance
The validity and compliance of digital certificates are critical to the continuity of the Open operation. An unmonitored expiration can result in the institution being disconnected from the ecosystem:
- Active management of Open certificates (OpenID and Raidiam): continuous monitoring of expiration dates, preventive alerts, and renewal flow support.
- Open Finance/Insurance certification management: status tracking of all current certifications (Functional, OIDF/Security), with deadline and compliance visibility.
- Risk anticipation: proactive identification of certificates or certifications at risk of expiration or non-compliance, before they become regulatory incidents.
RACI note: the formal renewal and issuance of certificates with authorities (administrative processes) remains the client's responsibility. Regulatory Intelligence Ops covers governance, monitoring, and risk mitigation.
2. Regulatory Diagnosis and Shielding
Periodic regulatory assessment is the best defense against unexpected findings. Regulatory Intelligence Ops delivers:
- 360° Technical Assessment: complete review of the institution's APIs against the most recent manuals published by Bacen and Susep. The goal is to identify divergences before the regulator does.
- Gap Mapping: prioritized list of found inconsistencies, classified by regulatory criticality (blocking, critical, improvement).
- Remediation Plan: roadmap prioritized by criticality, indicating which items must be corrected first to ensure compliance and which are incremental improvements.
- Compliance Opinion: issuance of a consultative regulatory readiness report for new ecosystem phases, useful as supporting documentation for internal and external audits.
3. Certification Lifecycle Management
Mandatory Open Finance certifications have strict deadlines and complex processes. Failing them has direct consequences for the institution's operation:
- Specialized execution of compliance engine tests: running mandatory tests (OIDF, Functional) using mocks when necessary, ensuring full adherence to required regulatory scenarios.
- Failure triage and Root Cause Analysis (RCA): when a test fails, Sensedia performs an immediate technical diagnosis — with a detailed RCA — so the client's team can correct the backend precisely and without rework.
- Certification cycle acceleration: optimization of the test flow to reduce the interval between detecting a failure and correcting it. Includes proactive organization of technical evidence (logs, screenshots, payloads) required by the regulator.
- Friction-free certification: a methodology that eliminates rework and ensures the institution meets regulatory deadlines with operational security, reducing time-to-compliance.
4. Performance and Conversion Monitoring
Normative Instruction 706 and other regulatory norms require institutions to maintain performance indicators above minimum thresholds. Regulatory Intelligence Ops monitors and acts on these indicators:
- Journey Visibility and Conversion Rate: detailed tracking of success and abandonment rates at each step of the Open journey (consent, data sharing, payment). Precisely identifies at which step the end customer interrupts the flow.
- Business Error vs. Technical Error Diagnosis: analysis of new deploys and API versions to identify whether a performance degradation is caused by a technical change (e.g., client system update) or a regulatory compliance failure.
- Indicator Monitoring (SLAs and Regulatory KPIs): continuous monitoring of regulator-required indicators, with preventive alerts before a KPI falls below the minimum required threshold.
- Support in drafting technical justifications: when an indicator falls out of standard, Sensedia supports the drafting of formal technical justifications for the regulator, reducing the risk of penalties.
- Technical Deploy Validation and Impact Mitigation: pre-validation of changes in the institution's environment before they are promoted to production, preventing a deploy from causing degradation in availability or compliance.
5. Strategic Evolution and Business Intelligence
Regulatory Intelligence Ops goes beyond compliance: it transforms Open Finance into a competitive advantage:
- Evolution and Trends Workshops: periodic strategic meetings with Sensedia specialists to present new ecosystem phases, regulatory manual changes, market trends, and reference use cases.
- Benchmarking and Ecosystem Intelligence: comparison of the institution's positioning against market best practices, including adoption of new Open services and sector peer performance.
- Monetization Opportunity Identification: support in mapping new use cases that leverage Open journeys to generate revenue — such as consent-data-based products, personalized offers, and value-added services.
- New Product Enablement: technical-strategic support to implement innovative journeys (aggregators, payment initiators, consent managers) with regulatory safety and validated architecture.
Value Dimensions
Regulatory Intelligence Ops delivers value across three strategic axes:
Regulatory Resilience
- Regulatory control monitoring
- Non-compliance monitoring before it becomes a penalty
- Support in creating regulatory action plans
- Anticipation of technical and regulatory impacts
Performance and Efficiency
- Optimized regulatory conversion (IN 706 and similar)
- Continuous availability and performance monitoring
- Critical indicators tracked with executive visibility
Sustainable Growth
- Recommendations for Open journey evolution
- Open as a strategic business asset
- Data-driven decisions guided by critical indicators
Expected Outcomes
- Higher regulatory and operational maturity
- Optimized regulatory conversion (fewer errors, higher journey completion rates)
- Reduced structural risks and proactive compliance
- Open Finance treated as a strategic asset and revenue source
- Continuous evolution guided by data and market intelligence
RACI — Regulatory Intelligence Ops
Legend: R = Responsible | A = Accountable | C = Consulted | I = Informed
Business Compliance
| Activity / Deliverable | Sensedia | Client | Premise / Exclusion |
|---|---|---|---|
| Consent/Conversion Rate Monitoring | R/A | C | Analysis via Compliance Dashboard. |
| User Journey Gap Identification | R/A | C | Proactive view of end-user experience improvement opportunities. |
| Front-end / Backend Change Implementation | C | R/A | Exclusion: Sensedia does not modify the client's applications. |
| Audit Log Curation (Evidence) | R | A | Preparation of technical material for regulatory inspections. |
| Access to Tools and Dashboards | C | R/A | Premise: client must grant access to tools, reports, and environments for technical analysis. |
| Certificate and Certification Management | R/A | R/A | Formal renewal and issuance with authorities remains with the client. Regulatory Intelligence Ops covers governance, monitoring, and risk mitigation. |
Strategic Evolution
| Activity / Deliverable | Sensedia | Client | Premise / Exclusion |
|---|---|---|---|
| Monetization Insights and New Products | R | A/C | Consultancy delivered by a designated Sensedia Specialist. |
| New Services Roadmap Decision | C | R/A | The client decides what to prioritize for the business. |
| New API Version Business Validation | R | A/C | Validation that the business rule was met by the new version. |
| Source Data Quality Assurance | I | R/A | Exclusion: inconsistent data in the client's legacy systems is out of service scope. |
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