Regulatório Mais automates the end-to-end regulatory reporting process for financial and payment institutions. Its platform streamlines data collection, generation, reconciliation, and submission of critical reports like BACEN and CADOC, incorporating pre-validation checks to minimize rejections and ensure compliance.
Funding
Funding not disclosed
Founders
Product
Problem
Financial institutions and payment entities face significant challenges in meeting complex and evolving regulatory reporting requirements from entities like the Central Bank (BACEN), Sefaz, and Federal Revenue. Manual data collection, generation, reconciliation, and submission processes are prone to errors, leading to report rejections, missed deadlines, and potential non-compliance penalties.
Solution
Regulatório Mais provides a comprehensive technology platform designed to automate the end-to-end regulatory reporting lifecycle for financial institutions and payment entities. The platform facilitates data collection through various input methods including templates, direct screen input, APIs, and native integrations. It automates the generation, reconciliation, and submission of critical reports such as BACEN, CADOC, and COSIF. Pre-validation checks are integrated to identify and rectify potential errors before submission, thereby increasing the likelihood of acceptance by regulatory bodies and ensuring adherence to submission deadlines.
Target Audience
The primary target audience includes financial institutions authorized by BACEN, payment institutions (IPs), and credit loan societies (SCDs) that require robust solutions for regulatory compliance.
Features
- Automated data collection, generation, reconciliation, and submission for BACEN, CADOC, and COSIF reports.
- Support for multiple input methods: templates, screen input, APIs, and native integrations.
- Pre-validation engine that replicates regulatory body checks to prevent report rejections.
- Specific modules for Contábil Bacen (including CADOCs), Não-Contábeis Bacen (for Payment Institutions), Módulo de Crédito Bacen (SCR reports), and Relatórios de Risco Bacen.
- Functionality for fiscal reporting, including DIMP, DECRED, and DES-IF.
- Tools for calculating Reference Equity and Required Capital.
- Notification system for report status updates (availability, acceptance, rejection) via email.
- Modules for judicial attendance, including BC Correios, Sisbajud, and Simba.
- Configurable accounting routines for transactional accounting.
- Support for high data volumes and diverse regulatory requirements across different financial institution segments.