ProximaReg turns regulatory change into structured obligations, measurable business impact and actionable compliance workflows.
Illustration in Morocco
From a published provision to a business impact
Bank Al-MaghribCirculaire 14/G/2013Article 4as of 2016-06-10
Les établissements sont tenus de respecter, sur base individuelle et consolidée, les exigences minimales ci-après : le montant des fonds propres de base doit, à tout moment, être au moins égal à 8 % des risques pondérés ;
Compliance Impact Center3 internal procedures · Finance · Risk · Regulatory Reporting
Regulatory teams are always reacting.
In Morocco for example, more than 5,000 texts reach the Bulletin officiel every year, 28% more than four years ago. Most of them concern someone else. One — circulaire 1/W/2016 — amended seven articles of the own-funds rulebook and raised every minimum capital requirement by 2.5 points. Reading the flow is not the problem. Knowing which line changes what for your institution, before the deadline, is.
5,000+texts published in the Bulletin officiel every year+28% between 2020 and 2024source: SGG
DaysSeconds.
From days of regulatory analysis to seconds of structured impact. From reactive compliance to anticipation.
Up to 80% of analysis time savedestimate
Compliance Impact Center
This is where regulatory change becomes business impact. Six steps. One continuous line from regulatory source to business decision — followed here on a real regulatory case.
Bank Al-Maghrib · Circulaire 14/G/2013Fonds propres des établissements de crédit
Step 1 · Monitoring
NEW DETECTION · Bank Al-Maghrib
Circulaire 14/G/2013 relative aux fonds propres des établissements de crédit — modifiée par la circulaire 1/W/2016.
Normally: someone finds the publication and works out whether it matters. Here: the change is detected on a text already under watch, with its impact level and next recommended step.
Step 2 · Analysis
Article 42014-01-01→2016-06-10
— Common Equity Tier 1 must, at all times, be at least equal to 5.5% 8% of risk-weighted assets;
Article 5 bis — added · countercyclical capital buffer
Normally: read two versions side by side. Here: consolidated versions compared article by article, against the amending instruction as published in the Bulletin officiel. The extract is shown in English; the text itself is published in French.
Step 3 · Assessment
Maintain Common Equity Tier 1 at or above 8% of risk-weighted assets, at all times — up from 5.5%. Impact on the internal framework: Critical.
LS requirement · legal sourceBI domains · business inference
Normally: a memo written by hand. Here: an executive synthesis, with the legal requirement kept apart from the business interpretation.
Step 4 · Internal mapping
Sample internal procedures — illustrative, not a real institution.
Normally: weeks of interviews to find which procedures are touched. Here: each changed article is mapped to the internal procedures and the department that owns them — business inference, to be assessed.
Step 5 · Remediation
Sample remediation plan — illustrative.
Due dates · to be set with each ownerEvidence required per action · audit trail
Normally: a spreadsheet nobody trusts. Here: a remediation plan with owners, priorities and the evidence each action must produce.
Step 6 · Committee pack
Sample committee note — illustrative.
Proposed decisions
Legal trace retainedURI + content hash on every legal referenceUnknown data kept « À confirmer »
Normally: the reasoning lives in someone’s inbox. Here: a decision-ready note in which every proposed decision keeps its line back to the regulator’s text. Read it backwards ↓
From step 6, read backwards
ProximaReg does not just produce an answer — it keeps the reasoning that led to it. Start from the decision proposed to your committee and walk it back: the internal procedure it touches, the obligation behind it, the article that carries that obligation, the text that published the article, the regulator that issued it. Nothing is summarized away, so you can show where a conclusion comes from — to your committee, your auditors or your supervisor.
Where the source is silent — an entry-into-force date, a modifying text number — ProximaReg says À confirmer rather than filling the gap. Nothing is disconnected from the source.
Coverage
Not a geographic filter — a regulatory model built from the region’s own supervisors, publication formats, homologation practices and languages. Coverage grows by country, regulator and topic, and appears here only once it is connected in the platform.
MAStructured & versioned
AEStructured & versioned
Next
International watch
Standard setters and sanctions authorities monitored as a separate layer, alongside MENA coverage:SEC · FinCEN · OFAC · ECB · ESMA · FSB
Technology
Not three products. A single pipeline in which each layer feeds the next and keeps the reference to the one before — operated by specialized AI agents, each bounded by what the source actually says.
Regulatory sources
Official publications: circulars, amending texts, homologation orders, bulletins.
Infrastructure layer · Source Structuring Agents
Scanned PDFs, hybrid publications, multi-column layouts, tables and atypical structures are normalized before any analysis. Invisible, and what makes the data reliable.
Regulatory state · Consolidation
Reconstruct the applicable text through versions and amendments — three consolidated versions on the case above, each hashed.
Structured obligations · Obligation Detection
Identify and structure requirements — entity, requirement, threshold, applicability — anchored to their provision.
Business impact · Legal Knowledge Graph
Connect regulations, obligations, entities and internal procedures, so a change in the text resolves into the parts of the organization it touches.
Agentic AI, kept on a short leash: agents read, structure, consolidate and compare — always on the published text, and every output stays attached to the provision it came from. Where the source says nothing, the agent flags it instead of filling the gap.
Proof
Product proof
Bank Al-Maghrib · Circulaire 14/G/2013 · fonds propres
Coverage proof
Measured figures only
Published figures are internal measurements, dated. Nothing here is estimated.
Market proof
Programs and recognition
Institutions, partners and publications appear here only with authorization for public use.
Winner — CAP’AI Reverse by BK 2026
BMCE Capital (Bank of Africa Group) · 3 winners out of 62 applications · the only winner on the compliance perimeter.
Morocco FinTech Center — Fintech Booster
Demo Day of 30/06/2026 · 21 startups out of 117 applications.
Team
A focused team with deep regulatory technology experience. ProximaReg was built from years of working with regulatory data, compliance workflows and the operational complexity of regulated organizations.
FOUNDER · CEO
Ismaël Ziani
Fifteen years building regulatory and legal technology.
ADVISORY · CFO
Galeran Dejardin
General management and finance.
ADVISORY · CTO
Pr. Georges-André Silber
Teaching lead in NLP and large language models.
Enterprise trust
Regulated organizations need to know how a conclusion was reached, where the data lives and who can see it. We publish what we can demonstrate — nothing else.
