03. Compliance
Regulated Industry Compliance
Clarvus AIOS treats regulatory requirements as policy modules — constraints to enforce, not documentation to comply against.
When a regulatory obligation changes, administrators update a policy file. The constraint propagates through the infrastructure layer to every product and tenant. No application code changes. No redeployment.
The compliance postures described below reflect how Clarvus AIOS operates in production deployments across India, EU, and US regulatory environments.
Compliance frameworks are selected at deployment time as L1 institutional policy. Once selected, their constraints are enforced automatically across every Clarvus AIOS inference — no per-request configuration, no per-product override capability. The REAPS Sovereign principle ensures that compliance posture is jurisdictionally anchored, not assumed.
01. India
India regulatory alignment
Obligation: Data localisation, data principal rights, processing restrictions
Clarvus AIOS: Data residency enforced at the deployment model level. No personal data leaves the configured jurisdiction. Data principal rights supported through PII detection and retention policy enforcement.
Obligation: AI system governance, explainability, audit requirements for BFSI
Clarvus AIOS: REAPS Explainable principle generates decision reasoning at inference time. Audit trail produces regulator-ready evidence packages. HITL escalation supports human oversight mandates.
Obligation: AI governance for capital markets operations
Clarvus AIOS: Policy-layer enforcement configurable for SEBI obligations. Audit trail covers all AI-assisted trade and compliance decision points.
Obligation: Explainability and fairness in insurance AI decisions
Clarvus AIOS: REAPS Responsible principle applies automated fairness checks. Explainability output meets IRDAI adverse-action explanation requirements.
02. European Union
European Union regulatory alignment
Obligation: High-risk AI system requirements — transparency, human oversight, accuracy
Clarvus AIOS: Clarvus AIOS is architected for high-risk AI system compliance: REAPS enforcement satisfies Article 9 (risk management), Article 13 (transparency), Article 14 (human oversight), and Article 17 (quality management).
Obligation: Automated decision-making rights (Article 22), data subject rights, processing lawfulness
Clarvus AIOS: Explainability output satisfies Article 22 automated decision-making requirements. DSAR processing automated. PII detection enforces processing restrictions at inference time.
Obligation: Digital operational resilience for financial entities
Clarvus AIOS: Governance dashboards provide continuous AI operational monitoring. Incident reporting capabilities through audit trail export. ICT risk management supported.
03. United States
United States regulatory alignment
Obligation: Financial reporting integrity, internal controls over AI-assisted processes
Clarvus AIOS: Hash-chained audit trail provides tamper-evident record of AI decisions in financial reporting workflows. Board-level governance dashboards support SOX Section 302/906 certifications.
Obligation: Protected health information handling and AI decision governance
Clarvus AIOS: PHI detection at inference time. Encryption posture (AES-256 at rest, TLS 1.3 in transit). Audit trail supports breach investigation and HIPAA audit requirements.
Obligation: Consumer privacy rights, automated decision disclosure
Clarvus AIOS: PII detection and processing controls. Consumer rights requests (deletion, access, opt-out) supported through DSAR processing capabilities.
04. Regulatory Evidence
Examination-ready evidence packages
Regulatory examinations of AI systems require evidence that is complete, consistent, and independently verifiable. Evidence assembled manually from disparate logs is incomplete by definition — logs capture what was logged, not what was not.
Clarvus AIOS generates evidence packages from its architectural audit trail — the same tamper-evident, hash-chained record that governs all inference at runtime. The package includes: decision trail for every AI output within the examination scope, policy evaluation records, escalation logs, fairness check results, and explainability outputs.
Compliance teams export packages on demand. No data engineering pipeline is required. The format is designed for regulatory examiners: complete, structured, and self-explanatory.
Compliance documentation for your regulatory environment?
We can provide jurisdiction-specific compliance documentation, mapped to your institution's regulatory obligations and Clarvus AIOS deployment configuration.