Regulatory Report Assembly
Auto-assemble periodic regulatory filings — Call Reports, CCAR, DFAST, and more — by pulling data from across systems, reconciling, flagging variances and missing data, and tracking every schedule to deadline.
Regulatory reporting shouldn't be a quarterly fire drill
Every quarter, your reporting team pulls data from 10+ systems — core banking, general ledger, risk platforms, trading systems, loan servicing — and manually reconciles it into regulatory templates. Call Reports alone have 80+ schedules. CCAR and DFAST add stress testing overlays. Each filing has its own format, validation rules, and deadline.
The reconciliation process takes weeks. Variances are tracked in spreadsheets. Missing data triggers email chains that go stale. And the final review is a pressure-cooker race against the filing deadline, where one missed cell can trigger a regulatory inquiry.
The data exists in your systems. The templates are well-defined. The reconciliation rules are known. This is exactly the kind of structured, rules-based, multi-source assembly work that AI was built to automate — if the AI actually understands financial regulatory requirements.
From raw data to filed report — automatically
Data Extraction
SectorFlow connects to your core banking system, general ledger, risk platforms, trading systems, and loan servicing platforms. Data is extracted according to each report's requirements — mapped to the correct schedules, line items, and reporting periods automatically.
Reconciliation
The AI cross-references data across sources — ensuring totals balance, intercompany eliminations are applied, and figures tie to the general ledger. Discrepancies are identified and categorized by materiality, with root cause analysis for each variance.
Variance Detection
Period-over-period variances are automatically calculated and flagged. The AI distinguishes between expected changes (new products, known events) and unexpected variances that need investigation — saving your team from chasing every delta manually.
Gap Management
Missing data, incomplete fields, and validation failures are identified immediately — not at the end of the process. The AI assigns data owners, sends requests with context, tracks responses, and escalates overdue items. No more stale email chains.
Final Review & Submission
The completed report is presented with a full reconciliation summary, variance explanations, and validation results. Reviewers see exactly what changed, what was flagged, and what was resolved. Every data point is traceable back to its source system for examiner questions.
This isn't a spreadsheet — it's a regulatory reporting engine
Every capability your reporting team needs to file on time, every time, built in from day one.
Multi-Source Data Pull
Connects to core banking, GL, risk platforms, trading systems, and loan servicing — extracting exactly the data each schedule requires, mapped to the correct line items.
Automated Reconciliation
Cross-references data across sources in real time — balancing totals, applying eliminations, and flagging discrepancies with root cause analysis before they become filing issues.
Variance Flagging
Automatically calculates period-over-period variances and distinguishes expected changes from anomalies — so your team investigates what matters, not every delta.
Deadline Tracking
Tracks every schedule against its filing deadline — with automated reminders, escalation for overdue items, and a real-time dashboard showing completion status across all reports.
Examiner-Ready Audit Trail
Every data point is traceable back to its source system, extraction time, and transformation logic. When examiners ask "where did this number come from?" — the answer is one click away.
Team Coordination
Assigns data owners to gaps, tracks responses, and coordinates across departments — replacing the endless email chains and spreadsheet trackers that slow every filing cycle.
Connects to the systems you already run
Salesforce
ServiceNow
Don't see your core banking or GL platform? We integrate with any system via API. Talk to us.
What reporting teams are seeing
Auto-compiled (72/80 schedules)
Early submission avg.
Audit trail coverage
Based on pilot deployments. Your results will depend on report complexity, data source count, and system configuration.
"Our Call Report used to take three weeks of intense manual effort every quarter — pulling data from 12 systems, reconciling in spreadsheets, chasing missing data over email. Last quarter, 72 of 80 schedules were auto-compiled and reconciled before our team even started. We submitted a day early for the first time in years. The audit trail alone has saved us hundreds of hours in examiner prep."
— Chief Financial Officer, Regional Commercial Bank
Frequently Asked Questions
See What Automated Report Assembly Looks Like for Your Team
Book a 30-minute discovery call. We'll walk through the Regulatory Report Assembly flow with your filing requirements and your data sources.
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