AROBS Transilvania – custom software development company
DORA-as-a-Service for Operational Resilience and Compliance
DORA is not done. The hard part is still ahead.
Most institutions submitted a register. Supervisors are now examining everything else.
ICT governance frameworks, resilience testing programmes, incident
reporting infrastructure, third-party oversight: the four pillars that
regulators are actively auditing in 2026, remain largely unaddressed
across the sector.
All the steps the FSI organisations have taken so far are just administrative milestones.
What comes next determines your supervisory outcome.
AROBS and RegCover partenered to make sure you are ready for it.
22,000
EU financial entities in
DORA scope
51%
of the EEA Financial
institutions report
challenges in embedding
DORA into their existing
policy and control
frameworks.
2%
of the global revenue –
maximum fine
27 years
AROBS provides
technology for regulated
industries
Request a complimentary gap assessment
Operational Resilience in the Financial Sector under DORA Regulation
Most institutions in the financial sector addressed one DORA obligation in April 2025: submitting the Register of Information, a structured inventory of all contractual arrangements with third-party ICT service providers.
Supervisors are now examining the other four pillars. And the picture is not encouraging.
The register was the easy part. What comes next is where the audit findings will be made.
6.5%
Of the registers analysed, 6.5% successfully passed all data quality checks, out of ~1,000 financial entities across the EU participated.
93.5%
Of the registers submitted in the ESAs’ 2024 dry-run exercise, at least one contained a data error.
The April 2025 mandatory submission used the same manual, spreadsheet-based processes. The ESAs’ April 2025 testing observations confirmed that data quality issues persisted into official reporting. Supervisors are aware of the pattern. Submissions in 2026 will be scrutinised more closely.
600+
Person-days required to manually assess 100 supplier contracts against DORA
A mid-sized institution with 100 ICT and non-ICT suppliers faces a substantial internal resource requirement. This is before accounting for ongoing monitoring, remediation tracking, and regulatory change management, as assessed by RegCover.
2026
Fines are now a realistic outcome
Supervisors across the European Union financial systems have signalled a shift from assessment to
enforcement. Institutions that have not addressed ICT governance, resilience testing, and third-party
oversight since January 2025 are now carrying material regulatory risk on their balance sheets.
Request a complimentary gap assessment
DORA Compliance Framework Implementation Has Never Been More Critical
Three Converging Pressures
Supervisory escalation
The EBA, ECB, and national
competent authorities have
concluded their orientation phase.
First-cycle enforcement reviews are
underway.
Counterparty scrutiny
Correspondent banks, institutional
investors, and clearing
counterparties are incorporating
DORA readiness into their
third-party risk frameworks.
Resourcing constraints
Building specialist DORA capability
takes 9–18 months and competes
for talent in a limited pool. An
integrated external solution is the
more capital-efficient path.
Supervisory escalation
The EBA, ECB, and national
competent authorities have
concluded their orientation phase.
First-cycle enforcement reviews are
underway.
Counterparty scrutiny
Correspondent banks, institutional
investors, and clearing
counterparties are incorporating
DORA readiness into their
third-party risk frameworks.
Resourcing constraints
Building specialist DORA capability
takes 9–18 months and competes
for talent in a limited pool. An
integrated external solution is the
more capital-efficient path.
An offer that makes DORA requirements provable and sustainable
AROBS × REGCOVER for Dora-as-a-Service and Risk Management
RegCover, developed by Thot IT Solutions, is an audit-ready RegTech platform built around DORA’s five pillars. It replaces static
documentation and manual workflows with real-time compliance monitoring, guided workflows, and automated regulatory submissions.
AROBS provides implementation, integration, customisation, and long-term operational support to ensure RegCover delivers for
each institution. It will be embedded in their existing infrastructure, adapted to their entity structure, and built to remain effective
beyond each audit cycle.
What The Partnership Delivers
Platform + implementation.
RegCover's compliance infrastructure + customisation by AROBS engineers with 27 years of technology experience in regulated industries.
Live in one day.
Pilot deployment with a single legal entity, scalable across the group. Guided workflows reduce supplier and contract assessment time by over 50%.
Auditor-ready from day one.
Every compliance action is traceable. Evidence for any article, supplier, or entity is available in a single click — not assembled under audit pressure.
Regulation-proof by design.
DORA requirements update automatically within the platform. Compliance posture is maintained continuously, not rebuilt at each regulatory cycle.
Customised to your institution.
AROBS adapts RegCover to your entity structure, existing core banking, regulatory reporting infrastructure, and governance workflows.
Book your discovery call
REGCOVER PLATFORM
Six capabilities that address DORA compliance and ITC Risk Management
From scattered spreadsheets and email chains to a single, auditable, regulator-ready system. RegCover industrialises the
compliance obligations that manual processes cannot sustainably manage.
Live Compliance Dashboard
Real-time adherence percentage by DORA pillar, legal entity, and supplier. Board-ready, auditor-ready, regulator-ready — every day, not just at filing time.
All five pillars
Guided Compliance Workflows
Step-by-step assessment for each supplier and contract, tailored to your institution type. Saves an average of 6 person-days per supplier assessed.
Automatic Register & ROI Generation
The Register of Information is generated and updated automatically — eliminating manual reconciliation and the error rates that characterised 2025 submissions.
Automated Regulatory Submissions
Reports and notifications to supervisory authorities are generated automatically. Regulatory filings become routine outputs rather than resource-intensive projects.
Guided Compliance Workflows
End-to-end mapping of DORA article requirements to documented evidence, per institution type. Prove compliance with any article in a single click.
Group Structure & Entity Reuse
Data and assessments are shared across legal entities within a group, eliminating duplication across subsidiaries, branches, and multi-jurisdiction operations.
Book your discovery call
AROBS Customisation & Integration
Built to match your infrastructure and strengthen your risk management processes
AROBS brings over 10+ years of financial technology implementation experience across core banking, regulatory reporting, risk management, and digital infrastructure. Our teams have built and integrated systems for banks, insurers, investment firms, and payment institutions across Central and Eastern Europe, the Benelux region, and the UK.
We understand how financial institutions are structured, how their governance operates, and where compliance initiatives tend to
succeed or stall.
WHAT AROBS CUSTOMISES for the Financial Sector Operational Resilience
Core banking integration.
Connection to existing core systems, data feeds, and transaction infrastructure, ensuring compliance data reflects live operational reality.
Regulatory reporting
infrastructure.
Alignment with existing supervisory
reporting workflows across EBA, ECB, and national authority submission formats.
Digital onboarding & KYC
integration.
Third-party and supplier data flows connected to existing onboarding and due diligence systems
Risk management platform connectivity.
Integration with existing ICT risk, operational risk, and GRC platforms to avoid duplicate data environments.
Multi-entity & multi-jurisdiction configuration.
Entity hierarchy mapping, jurisdiction
specific regulatory parameters, and
group level consolidation for complex
organisational structures.
Board and management reporting.
Configuration of board-level
dashboards and quarterly reporting
packs to governance committee and
supervisory body specifications.
Core banking integration.
Connection to existing core
systems, data feeds, and
transaction infrastructure, ensuring
compliance data reflects live
operational reality.
Regulatory reporting
infrastructure.
Alignment with existing supervisory
reporting workflows across EBA,
ECB, and national authority
submission formats.
Digital onboarding & KYC
integration.
Third-party and supplier data flows
connected to existing onboarding
and due diligence systems.
Risk management platform connectivity.
Integration with existing ICT risk,
operational risk, and GRC platforms
to avoid duplicate data
environments.
Multi-entity &
multi-jurisdiction configuration.
Entity hierarchy mapping, jurisdiction
specific regulatory parameters, and
group level consolidation for complex
organisational structures.
Board and management
reporting.
Configuration of board-level
dashboards and quarterly reporting
packs to governance committee and
supervisory body specifications.
Speak to our financial technology team
“We have spent more than two decades building technology that sits at the heart of European financial institutions. We know how they are structured, how their governance works, and where compliance initiatives succeed or stall. RegCover’s platform is the right product for DORA. Our role is to make sure it delivers for each client: integrated, embedded, and built to last beyond every audit cycle.”
Pierre Castagne,
Head of Financial Services, AROBS Group
CLIENT EXPERIENCE
What compliance teams report after going live with RegCover
“When we assessed our DORA readiness against CSSF Circulars 25/883 and 25/882, two critical gaps emerged: ICT function mapping and ROI generation. RegCover closed both within six weeks. It did not simply fill the gaps — it gave us a sustainable compliance infrastructure.”
Head of Regulatory Outsourcing
Top-tier Luxembourg fund administration group
“Managing 60+ outsourcing arrangements under CSSF Circular 22/806 meant endless Excel iterations — error-prone, untraceable, and impossible to steer centrally. RegCover replaced that entirely. For the first time, we manage compliance rather than chase it.”
Outsourcing Senior Manager
Leading Luxembourg financial services firm
“When we assessed our DORA readiness against CSSF Circulars 25/883 and 25/882, two critical gaps emerged: ICT function mapping and ROI generation. RegCover closed both within six weeks. It did not simply fill the gaps — it gave us a sustainable compliance infrastructure.”
Head of Regulatory Outsourcing
Top-tier Luxembourg fund administration group
“Managing 60+ outsourcing arrangements under CSSF Circular 22/806 meant endless Excel iterations — error-prone, untraceable, and impossible to steer centrally. RegCover replaced that entirely. For the first time, we manage compliance rather than chase it.”
Outsourcing Senior Manager
Leading Luxembourg financial services firm
From discovery to continuous managed compliance in three stages
Dora-As-a-Service PROGRAMME STRUCTURE for operational resilience
Discovery & Gap Assessment
A 30-minute structured discovery call maps your current DORA posture against RegCover modules. A proportionality use case is prepared for your entity type, followed by a live platform demonstration.
Output: a clear view of your compliance position and a costed implementation plan.
Deployment & Integration
RegCover can be deployed within one day. AROBS configures integrations with your existing infrastructure, maps your supplier register, and activates guided workflows. The programme then scales to the full group at a pace determined by your organisation.
Managed Ongoing Compliance
Continuous monitoring, automatic regulatory updates, supervisor submission generation, and quarterly board
reporting — maintained as an operational function. DORA obligations evolve; the platform and AROBS’s support structure evolve with them.
Discovery & Gap Assessment
A 30-minute structured discovery call maps your current DORA posture against RegCover modules. A proportionality use case is prepared for your entity type, followed by a live platform demonstration.
Output: a clear view of your compliance position and a costed implementation plan.
Deployment & Integration
RegCover can be deployed within one day. AROBS configures integrations with your existing infrastructure, maps your supplier register, and activates guided workflows. The programme then scales to the full group at a pace determined by your organisation.
Managed Ongoing Compliance
Continuous monitoring, automatic regulatory updates, supervisor submission generation, and quarterly board
reporting — maintained as an operational function. DORA obligations evolve; the platform and AROBS’s support structure evolve with them.
QUANTIFIED OUTCOMES
The operational and financial case is measurable
50%
Reduction in cost & time to
reach full DORA compliance
vs. manual assessment
process
1 day
To initially go live with a
single legal entity
scalable across the group
6 days
Saved per supplier &
contract assessment on
average vs 600 person days
analysing 100+
contracts*regcover estimate
0 errors
Register submissions are
generated automatically
vs. 93.5% error rate
manually
“At Thot IT Solutions, we believe that true operational resilience comes from combining industry expertise with a commitment to seamless RegTech delivery.
As DORA reshapes the regulatory landscape, our mission is to empower clients with robust, adaptive solutions that drive both compliance and competitive advantage.”
Hervé Decker
Partner, Thot-IT Solutions – RegCover.
Understand your DORA position before committing to a programme
Most institutions do not yet know which of their DORA obligations would fail a supervisory examination today. A 30-minute call will tell you. That is a useful thing to know, regardless of what you decide to do next.