Regulatory Technology (Regtech)
Evolving from the developing digital transformation are not only innovative business models, but it also affects all processes and organizational aspects of a company mainly driven by new technologies and new interlinked communication channels with clients and stakeholders.
FinTechs show great examples not only for new business models, but also for a different and innovative approach for complying with as well as reducing costs, complexity and overall risk exposure related to rules and regulations. The replacement of the once innovative so called PostIdent procedure with online video registration for opening an account was a short time ago inconceivable and is now more or less standard for online financial services. This will even go further – from what we see now – to customer service especially in the financial sector.
Compliance with rules and regulations will even more take place in information technology and in real-time operations. That does not necessarily mean that we will see a further increase in complexity in regulatory management, but can offer opportunities for systematic and data analytics based approaches that will ultimately lead to a decrease of the deployed financial and human ressources as well as an opportunity to increase quality and speed in implementation and application of different regulatory management disciplines.
4C enforces actively with its partners highly innovative RegTech Solutions in different industries, dramatically reducing costs and risk exposure of our clients. Compliance with regulatory requirements will then take place proactively – we say in-process – and on the other hand through real-time interlinking – via data fusion concepts - of internal but also external provided data sources. In addition especially in regulatory management we see an ideal case for artificial intelligence application combined with rule-based expert knowledge and therefore a high value contribution in early detection of new patterns in misconduct, fraud and corruption. We call that our road to regulatory excellence.
We support our customers in the professional design and implementation of Next Generation Technology Solutions for Regulatory Management, so that:
- our customers recognize risks before they become substantial,
- data and information is applied, that has not yet been used,
- patterns are identified to prevent damage proactively,
- our customers genuinely change to a proactive management approach and mindse
and thereby ultimately experience our understanding of "regulative excellence".
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Our experts for Regulatory Technology (Regtech)
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Dr. Heiko Mauterer
Master of Engineering and Business Administration
In consulting creating benefit for a customer is considered to be a given. In practice, this is not necessarily the case. At least according to Dr. Heiko Mauterer's experience in several management positions in banking. Creating true value is a key concept for him, that determines his thinking as well as his work with his clients. If applicable, all benefit aspects - in his eyes - are to be quantified and made measurable. And that's also not self-evident.
Heiko Mauterer has outstanding experience in financial services and focuses on regulatory management, Human Resources, digitization, operations and project management.
Diplom Business Data Processing Specialist
Customers expect today far more than project management and methodological skills from their consultant imposing modified and additional requirements on a consultant's role. Expert skills and transformational competences combined with industry experience and the mandatory overall view are capabilities Daniel Lovric actively contributes to his consulting work with great enthusiasm. These are the decisive prerequisites for a true added value and ultimately for the client's bottom-line results.
Daniel Lovric has extensive experience in the financial services sector and focuses strongly on regulatory management, including regulatory framework, regulatory IT management, risk reporting, predictive risk management and fraud detection (RegTech).