发表机构
Swissi Institute for AI（瑞士人工智能研究所）
机构由 AI 辅助整理，请以论文原文为准。AI 中文总结
提出面向受监管金融的合规优先AI架构，将监管作为定位层，通过策略编译器映射禁令与义务，结合许可DAG审计追踪和条款级索引，实现可验证的嵌入式合规。
AI 中文摘要
我们提出了一种面向受监管金融领域AI的合规优先架构，该架构将监管视为一个定位层，而非确定性规则集。监管意图与风险敞口的矩阵提供了一个紧凑的分类句柄，受治理的策略编译器随后将其映射为具体的禁令、义务和运行时预算。禁令约束可行性并阻止外部化，而义务则通过必须满足明确可接受性标准的工件来扩展任务。委员会激活保持策略驱动且相称，在确保监督审查的同时维持效率。证据、决策和原因代码绑定到具有确定性时间戳的许可DAG上，从而实现重放、来源检查和故障的清晰归因。带有生效日期的条款级法律索引和基于能力的智能体路由确保了在DACH及更广泛的欧盟范围内的可移植性。结果是构造性保证：合规性嵌入执行中，并可由审计员验证，而不牺牲相称性或透明度。
英文摘要
We present a compliance-first architecture for AI in regulated finance that treats regulation as an orientation layer rather than a deterministic ruleset. A matrix of regulatory intent and exposure provides a compact classification handle, which a governed policy compiler then maps into concrete prohibitions, obligations and runtime budgets. Prohibitions constrain feasibility and block externalisation, while obligations extend tasks with artefacts that must meet explicit admissibility criteria. Committee activation remains policy-driven and proportionate, preserving efficiency while ensuring supervisory oversight. Evidence, decisions and reason codes are bound to a permissioned DAG with deterministic timestamping, enabling replay, provenance checks and clear attribution of failure. Clause-level legal indexing with effective dates and capability-based agent routing ensure portability across DACH and the wider EU. The result is assurance by construction: compliance is embedded in execution and verifiable by auditors without sacrificing proportionality or transparency.
Comments16 pages, 3 figures. Published in Swissi AI Journal under CC BY 4.0
Journal refSwissi AI Journal, Volume 2025, Article SAIJ-xz3bi3q7fwim (2025)
