Document every AI-assisted financial decision — from credit scoring to investment advice to fraud detection. Tamper-evident audit trails that satisfy MiFID II, DORA, and the EU AI Act in one platform. Plans from $29/month.
Financial services firms face a convergence of AI documentation requirements. DORA is enforceable since January 2025. MiFID II suitability requirements apply to all AI-assisted advice. The EU AI Act classifies financial AI as high-risk with August 2026 enforcement. Each regulation demands its own documentation — or one platform that covers all three.
Compliora maps each decision record against all applicable financial regulations simultaneously.
Markets in Financial Instruments Directive II
Requires documentation of investment advice suitability, best execution decisions, and client communication records when AI assists in these processes.
Key Requirements
Record-keeping of all services, activities, and transactions (Article 16). Suitability reports for personalized recommendations (Article 25).
Compliora captures the AI recommendation, advisor decision, suitability rationale, and client context in structured, auditable records.
Digital Operational Resilience Act
Mandates ICT risk management frameworks including documentation of third-party AI services, incident reporting, and operational resilience testing.
Key Requirements
ICT risk management framework (Article 6). Third-party risk management for AI vendors (Article 28). Incident classification and reporting (Article 17).
Each decision record tracks the AI model used, version, and provider. Compliance scoring flags DORA-specific operational risks.
European Union Artificial Intelligence Act
Classifies AI in financial services as high-risk. Requires logging, transparency, human oversight, and risk management for credit scoring, insurance, and investment AI.
Key Requirements
Article 12 automatic logging. Article 13 transparency. Article 14 human oversight. Enforcement: August 2, 2026.
Every record captures inputs, AI outputs, human decisions, and reasoning. SHA-256 hashing for tamper detection. Compliance analysis against all 4 articles.
From credit scoring to algorithmic trading — Compliora captures the decision process your regulators demand.
Document AI-generated credit scores, lending recommendations, and human override decisions. Maintain audit trails showing how AI inputs were weighted and why decisions diverged from model output.
Record AI-assisted portfolio recommendations, suitability assessments, and advisor modifications. Prove that personalized recommendations considered client risk profiles.
Track AI-flagged suspicious transactions, analyst review decisions, and escalation reasoning. Document false positive resolutions and model performance observations.
Maintain decision trails for AI-driven trading signals, execution decisions, and risk limit overrides. Support best execution reporting with structured audit records.
Document AI risk assessments, premium calculations, and underwriter adjustments. Record the reasoning behind accepting, modifying, or declining coverage decisions.
Track AI-powered customer screening results, compliance officer reviews, and enhanced due diligence decisions. Maintain complete decision chains for regulatory inquiries.
Free tier includes 5 records per month. No credit card required. Scale when your compliance team is ready.
MiFID II Article 25 requires suitability assessments for personalized recommendations. When AI generates investment suggestions, the firm must document that the recommendation considered the client's knowledge, experience, financial situation, and investment objectives. Compliora captures the AI recommendation alongside the advisor's suitability analysis and final decision.
DORA Article 28 requires financial entities to manage ICT third-party risk, including AI service providers. This means documenting which AI services you use, assessing their operational resilience, and maintaining exit strategies. Compliora records track the AI model, provider, and version for every decision — creating an automatic vendor dependency map.
Yes. The EU AI Act explicitly classifies AI used for creditworthiness assessment, credit scoring, and risk assessment in life and health insurance as high-risk (Annex III, Section 5). This triggers full compliance obligations: risk management systems, data governance, technical documentation, transparency, human oversight, and accuracy requirements. Enforcement begins August 2, 2026.
Each decision record in Compliora can be tagged with multiple regulatory frameworks. The AI analysis engine evaluates the record against all applicable regulations simultaneously — MiFID II suitability requirements, DORA operational resilience standards, and EU AI Act documentation obligations. One workflow produces compliance evidence for multiple frameworks.
Compliora is designed to complement, not replace, enterprise GRC platforms. While tools like Vanta or ServiceNow handle organization-level governance policies, Compliora captures the individual decision-level audit trail that those platforms miss. Export records as PDF or JSON for integration with your existing compliance workflows.
Enterprise AI governance platforms (Vanta, Holistic AI, Credo AI) typically cost $10K-$80K per year and require months of implementation. Compliora starts at $29/month for teams, with a free tier for individual compliance officers. You can begin documenting AI decisions in minutes, not months.