Regulatory Intelligence
Regulatory requirements,
structured.
ObligaI maps the regulatory perimeter of a bank — across jurisdictions and supervisory authorities — into a structured, sourced obligation register and a prefilled compliance workbench for the first and second line of defence.
See the platformThe regulatory technology gap
Financial institutions operating across jurisdictions face a large number of regulatory requirements — distributed across multiple instruments, regulatory levels, and supervisory authorities. The complete picture is assembled manually, over days, by experience. Requirements discovered late — at validation, audit, or supervisory review — cost significantly more to address than requirements identified at the outset.
The constraint is not access to regulatory text. Every regulation is publicly available. The difficulty is assembly: identifying every applicable instrument, understanding how requirements cross-reference one another, and mapping them to the institution's specific activities and jurisdictional footprint.
The regulatory perimeter of an institution is not a flat list. It is a graph.
From regulatory source to documented obligation
Six layers: nothing in the pipeline exists independently of the client profile at its root.
The platform characteristics
Three properties that existing regulatory data products do not provide simultaneously.
Complete regulatory picture
All requirements bearing on a matter — traversed across instruments and levels in a single pass. No requirement is missed because a source was not manually identified.
Advisory output
ObligaI surfaces what regulations say and presents candidate requirements for review. Compliance determinations remain with the institution's compliance function and legal counsel.
Full provenance
Every checklist item traces to a specific article in a specific instrument at a specific level of the regulatory hierarchy. The audit trail is built in, not assembled after the fact.
The founder & current status
Who built it and where it stands today.
The founder
Dirard Mikdad founded ObligaI in 2026. He spent nineteen years in regulatory intelligence — at Rabobank and Deloitte in the Netherlands, and at PwC UK. At Deloitte he designed and built RegMiner, one of the first regulatory data analytics platforms in the market, in 2019. He has worked directly with compliance and risk functions at major financial institutions across the EU and the UK.
Current status
A working prototype demonstrating the full six-layer architecture across two institutions — a Colombian universal bank operating across Colombia, Panama, Peru, the United States, and the EU; and a Dutch wholesale bank operating across the Netherlands, the EU, and the United States. The extraction pipeline is under active development.