Compliance Calendar Agent AI

Invoked when: daily scan runs — all compliance obligations are checked for status, days to deadline, and obligation owner confirmation

• –Maintains the master compliance obligation register — the complete list of every recurring and one-time compliance obligation, the applicable regulation or guideline that creates the obligation, the due date or recurrence pattern, the obligation owner (the individual responsible for completing the filing or certification), and the current status (pending, in-progress, completed, overdue). The register covers the full bank compliance universe: ECB / EBA monthly returns (COREP, FINREP, EBA remittance schedules, and others), SRO (Self-Regulatory Organisation) filings, board reporting obligations under national company law and ECB guide / EBA guidelines, annual statutory certifications (the CEo/CFO certification, the annual compliance certificate), and the internal audit cycle milestones that feed into regulatory compliance attestations.
• –Sends advance reminders to obligation owners at 7 days and 2 days before each deadline — ensuring that the owner has adequate preparation time and that the CCO receives a copy of each reminder. The 7-day reminder is the preparation trigger; the 2-day reminder is the completion urgency trigger. Where the obligation owner has not marked the obligation as in-progress by the 7-day reminder, the CCO receives an additional alert — an obligation that has not been started 7 days before the deadline is at risk of a late filing.
• –Updates the obligation status dashboard in real time as obligation owners mark their filings as completed — providing the CCO with a live view of which obligations are on track, which are at risk, and which are overdue. The dashboard is the single source of truth for the compliance position at any point in the month; the CCO does not need to chase individual obligation owners for status updates because the dashboard reflects their self-reported progress against the calendar.

Invoked when: a new ECB guide / EBA guideline or regulatory notification is received — obligation extraction is completed within 24 hours

• –Reads every new ECB guide / EBA guideline and regulatory notification through the lens of compliance obligations — identifying any new, modified, or withdrawn obligations that the guideline introduces. New obligations are extracted with their specific deadline, recurrence pattern (monthly, quarterly, annual, one-time), and the data or certification required. Modified obligations have the prior version of the obligation noted alongside the change — so that the obligation owner understands what has changed and can adapt their preparation process. Withdrawn obligations are removed from the active calendar so that obligation owners are not continuing to prepare filings that are no longer required.
• –Adds new and modified obligations to the compliance calendar immediately and assigns them to the relevant obligation owner based on the obligation category — ECB / EBA returns to the CFO, board reporting items to the Company Secretary, credit-related certifications to the CCO. Where a new obligation is in an area where no obligation owner has been previously assigned, the agent flags the unassigned obligation to the CCO for owner designation before the obligation is tracked in the calendar.
• –Flags new obligations where the first deadline is within 15 days of the guideline date — these require an expedited preparation and filing process and immediate CCO attention. A guideline received on the 15th of the month with a first due date on the 30th of the same month does not afford the standard preparation window; the urgency flag triggers a direct CCO escalation rather than the standard 7-day reminder cycle.

Invoked when: the board meeting calendar shows a meeting in the next 5 days — compliance auto-briefing is assembled and dispatched

• –Assembles the compliance auto-briefing for each board meeting — a structured summary of: the compliance status for the current month (obligations completed on time, obligations pending, any overdue items and their status), any new regulatory obligations introduced since the last board meeting and their implementation status, any compliance incidents or near-misses from the prior month, and the compliance calendar for the next 30 days (upcoming deadlines by category and obligation owner). The briefing is formatted to the board's standard agenda format and is ready for the board pack without additional editing by the CCO.
• –Coordinates the compliance briefing with the board's existing agenda — where the board has a scheduled compliance agenda item, the auto-briefing provides the pre-read material; where compliance is not a standing agenda item, the auto-briefing is included as a standing annex to the board pack. The agent does not determine the board agenda — it prepares the compliance material that supports whatever agenda structure the board has adopted.
• –Tracks board compliance resolutions — where the board makes a compliance-related resolution (approving a policy update, directing a remediation action, noting a regulatory finding), the agent records the resolution in the compliance calendar and creates a follow-up obligation for the accountable officer to implement and report back. Board resolutions that result in compliance actions are tracked in the same calendar as regulatory obligations — preventing the common gap where a board direction is made but not tracked to implementation.