Financial institutions face increasing regulatory complexity and compliance costs, necessitating a shift from traditional periodic auditing to intelligent, continuous control monitoring. This paper proposes a comprehensive framework that transforms compliance from a reactive, cost-center function into a proactive, intelligence-driven strategic asset. Through a mixed-methods approach combining systematic literature review, framework development, and practical case analysis, we synthesize insights from scholarly resources in tandem with the research goal. The proposed five-layer architecture integrates emerging technologies, including artificial intelligence, blockchain, and RegTech platforms, to enable real-time monitoring, predictive risk assessment, and automated regulatory reporting. Our framework addresses critical gaps in existing models by providing a holistic, scalable approach with clear implementation pathways. Findings demonstrate that institutions adopting continuous control monitoring achieve significant operational efficiencies, enhanced risk management capabilities, and strategic intelligence generation. This research contributes to RegTech literature while offering practical guidance for financial institutions, regulators, and technology vendors navigating the compliance transformation journey.

Continuous Control Monitoring, Financial Institutions, Regulatory Compliance, RegTech, Intelligent Automation, Risk Management, Compliance Intelligence

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