CBUAE Reporting Software for Regulated Entities across the UAE

Six connected capability areas: (1) Quarterly and annual return generation against configurable schemas. (2) FIA Template V2 production with format-change absorption. (3) Thematic review evidence captured continuously rather than assembled. (4) FIT programme integration for SupTech, EDM, Aani, Jaywan, Sanadak, Open Finance, and electronic KYC touchpoints. (5) Decree-Law 6/2025 readiness tracking against the transition deadline. (6) Governance dashboards for return health, submission status, and regulatory exposure.

Around those six, most regulated entities also want: Code of Conduct evidence (Insurance Authority Board Resolution No. 3 of 2010 where still applicable), SCA reporting for listed insurers, and a reporting layer feeding the firm's internal governance committee.

Vendor cores - Guidewire, Sapiens, Fadata INSIS, Premia, TCS BaNCS, Oracle Insurance - ship regulatory reporting modules that cover CBUAE returns to varying depth. For larger insurers on these platforms, vendor modules plus professional services handle core submissions.

Custom CBUAE reporting software is designed to sit alongside the vendor core as the reporting layer that absorbs format change through configuration. Thematic review evidence, FIT programme integration, and Decree-Law 6/2025 readiness tracking are handled as first-class workflow rather than vendor bolt-ons. The core retains policy authority; the reporting layer handles regulatory-cycle discipline.

Quarterly prudential returns, annual statutory returns, FIA Template V2, and thematic review responses are produced against configurable schemas. When CBUAE updates a format - new fields, repurposed fields, schema evolution - the change is applied as configuration rather than code release.

Return generation pulls data from the core underwriting, claims, and financial systems via integration maps that preserve lineage. Auditor reproduction of numbers in a return is a data pull from the lineage rather than a reconstruction exercise.

CBUAE thematic reviews probe control effectiveness - sanctions screening consistency, conflicts of interest handling, outsourcing governance, policyholder treatment. Without continuous evidence, thematic response is a multi-week assembly exercise.

The platform captures evidence as a by-product of operations - screening records per transaction, conflict disclosures with resolution, outsourcing contract governance, complaint handling and Sanadak referrals. Thematic review response becomes an export against the review scope rather than an assembly project.

The CBUAE-Accenture Financial Infrastructure Transformation programme spans SupTech, Enterprise Data Management, Aani instant payment, Jaywan domestic card scheme, Sanadak ombudsman, Open Finance, and an electronic KYC platform. Integration touchpoints vary by programme component and continue to evolve.

The platform treats each FIT touchpoint as a first-class integration rather than a bolt-on. Consent logs for Open Finance, Sanadak referral trails, electronic KYC evidence, and SupTech data submission all flow through structured integrations with audit. New FIT touchpoints added by CBUAE are absorbed through configuration rather than code release.

Federal Decree-Law No. 6 of 2025 consolidates banking, payments, and insurance regulation into a single framework, expanded Article 62 perimeter to technology-based intermediaries, and applies from 16 September 2025 with a transition period to 16 September 2026 for regulated persons to align.

The platform tracks transition readiness against configurable item sets - licensing evidence, governance documentation, operational alignment to the new Law's requirements, and organisational readiness for expanded perimeter. Leadership sees progress at item level rather than through Excel status updates. Existing regulations issued under the 2018 Law remain in force until formally replaced - the platform supports both frameworks in parallel through the transition.

Here's where custom CBUAE reporting software typically sits in a wider stack.

Core underwriting platforms - we integrate with Guidewire, Sapiens, Duck Creek, Fadata INSIS, Premia, TCS BaNCS, Oracle Insurance, and FINEOS for contract-level and claims data.

IFRS 17 and actuarial - we exchange with Moody's Analytics, SAS, Aptitude, Sapiens IFRS 17, and Milliman for reserve and liability data.

Governance and document - we connect with DocuWare, OpenText, and Microsoft 365 for evidence and artefact management, and with sanctions vendors Dow Jones, Refinitiv World-Check, and LexisNexis for screening evidence.

Integration approach is scoped during discovery. We don't ask you to rip and replace anything that works.

Discovery runs five to seven weeks. Working with your finance, actuarial, compliance, legal, and IT teams, we map current return preparation, thematic review practice, FIT programme integration, and Decree-Law 6/2025 readiness. Output is a detailed report covering current-state map, platform architecture, integration scope, phased implementation plan, and fixed-price build proposal.

Build for a core reporting platform runs twelve to sixteen weeks from discovery completion. Full FIT touchpoint integration and Decree-Law 6/2025 transition support phases in over nine to eighteen months depending on entity complexity.

Pricing varies materially by entity type, line mix, and FIT touchpoint scope. A bracket isn't published; discovery produces a fixed-price proposal with no obligation to proceed.