مجلة الدراسات التنموية وريادة الأعمال
Volume 4, Numéro 2, Pages 01-17
2026-09-01

Ai-driven Compliance And Risk Management In Finance: A Comparative Study Of Global And Arab Regulatory Approaches



Authors : دكتور علي محمد العراقي .

Abstract

Artificial intelligence is transforming risk management and regulatory compliance within the financial sector, leading prominent regulators, including the United States Department of the Treasury and the central banks of the Gulf, to release a new set of AI-specific governance directives in 2025 and 2026. This paper conducts a qualitative, descriptive-analytical, and comparative analysis of the transformation, focusing on the United States' Financial Sector AI Risk Management Framework (FS AI RMF) and the United Arab Emirates Central Bank's 2026 AI guidance note, complemented by case studies from BNP Paribas (France) and Emirates NBD (UAE). Four hypotheses are proposed and evaluated through qualitative pattern-matching against the gathered evidence: that AI is transitioning compliance from a reactive to a proactive framework; that dependence on opaque "black box" models increases regulatory risk; that a regulatory disparity exists between the UAE and Saudi Arabia in AI governance; and that a principles-based regulatory approach, as opposed to comprehensive prescriptive legislation, currently dominates globally. All four hypotheses are supported by the reviewed material, with Hypothesis Three specifically focused on the UAE-Saudi comparison rather than the broader Arab area. The study indicates that the UAE is becoming a regional regulatory standard akin to prominent Western agencies, whilst the remainder of the Arab area is in a preliminary phase of this evolution, concluding with suggestions for tracking this progression in the future.

Keywords

AI-Driven Compliance ; risk management ; explainability ; algorithmic bias

Les articles similaires

رقابة المطابقة في إطار ضمان فعالية وتنفيذ الالتزام بالمطابقة. - دراسة على ضوء القانون رقم 09-03 المتعلق بحماية المستهلك وقمع الغش- Compliance Control Within The Framework Of Ensuring The Effectiveness And Implementation Of The Compliance Obligation. -a Study In Conformity With The Law N° 09/03 Related To The Protection Of The Consumer And Antifraud-

ربيح ثامر .  بن ناصر وهيبة . 
ص 1186-1215.

Fintech-driven Transformation Of Islamic Finance In The Arab Region: Addressing Institutional Asymmetries Through Structural Reconfiguration

Siham Rahmani . 
pages 51-86.

Market Risk Estimation Using Non-parametric Value At Risk And Conditional Value At Risk An Empirical Study On The Algerian Stock Market

Taibi Boumedyen .  Tahi Abderrahmane .  Djebouri Mohamed . 
pages 1-15.

The Internal Auditing Contribution To Tax Non-compliance Risk Management In The Banking Sector

Hocini Roumaissa .  Kaddouri Amar . 
pages 87-110.

حوكمة المسؤولية البيئية في سلاسل التوريد: آليات الالتزام التنظيمي وأثرها في تحفيز الاستثمار البيئي". "governance Of Environmental Responsibility In Supply Chains: Mechanisms Of Regulatory Compliance And Their Impact On Stimulating Environmental Investment"

فنينخ نوال . 
ص 255-282.

Formats de citation