Risk Intelligence in Payment Systems

Q7. What is 'time-to-comply' and why is it the most underestimated risk metric in regulatory management?

Time-to-comply is the interval between a rule's publication date and its enforcement date. It sounds straightforward but is routinely underestimated because the clock starts on publication, not when a team discovers the rule. For sanctions updates, that window can be 24 hours. For AML rules, a few months. For infrastructure mandates like ISO 20022, years—but vendor queues and internal approvals consume most of that runway. Without automated publication alerts, firms often discover they are inside the window, not ahead of it.

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