Smarter Compliance Driving Efficiency Through Generative AI

The client challenge

A leading European retail bank wanted to find a smarter, more efficient way to assess compliance across its regulatory-related policies. Each policy refresh required significant manual effort, consuming valuable time and resources. Beyond efficiency, the bank also faced the very real risks of reputational damage and regulatory penalties if gaps were missed. The question was: how could they turn compliance from a burden into a proactive safeguard while reducing the strain on their teams?

How Capco helped

Generative AI is reshaping compliance by doing what humans alone cannot: scanning, interpreting, and connecting vast volumes of regulatory, operational and policy data in real time. Instead of reacting to regulatory change, firms can now anticipate it – continuously monitoring updates, evaluating their impact, and flagging potential risks before they escalate.

Capco deployed Compliance Assist, our AI-powered compliance solution, to help the bank build a more responsive and resilient model of compliance using two key components of the offering.

Horizon Scanning:

Automated, real-time monitoring of global regulatory and industry bodies, tuned precisely to the client’s needs.
Intelligent categorisation and analysis of updates to create a customised regulatory feed.
A central, living repository of legal and regulatory requirements that continuously tracks the evolving landscape.

Compliance Assessment:

Breaking down regulations into clear rules and guidance, classified against relevant obligations.
Decomposing policy documentation into linked sections for easier alignment.
Assessing each policy against obligations to identify coverage gaps and risks.
Presenting results in an interactive Compliance Dashboard – a single view that maps regulatory obligations to policy sections, explains model reasoning, and highlights remediation recommendations.

Smarter Compliance: Driving Efficiency Through Generative AI

The outcomes

By transforming compliance from manual and reactive to AI-enabled and proactive, the bank achieved significant efficiency gains:

Around 80% reduction in time spent on regulatory horizon scanning.
Around 70% reduction in effort needed to align regulations with policies.
Around 50% reduction in the time required to align policies with controls and customer journeys.

The result? A faster, more confident approach to compliance – protecting the bank’s reputation while freeing up its teams to focus on higher-value work.