Seven markets. Seven sets of rules. One compliance team.
In the last 18 months, Singapore fined nine institutions S$27.45 million over AML failures. Hong Kong started demanding serious cyber incident reports within 12 hours. Vietnam's new data law put up to 5% of revenue at stake.
Nakhoda checks one group policy against every regulator you answer to, and shows the gaps side by side.
Where do you operate?
Tick every market. Nothing you click here is stored.
Pick at least one market to see who you answer to.
Every market moved in the last 18 months
Fines on nine institutions for AML failures, from source-of-wealth checks to follow-up on suspicious transaction reports.
To report a serious incident under the critical infrastructure law, which covers finance. Fines up to HK$5 million.
The maximum fine for cross-border data transfer breaches under the new personal data protection law.
Fines on three banks in one announcement, for technology-risk and AML failures.
Eight data protection fines in a single announcement, the largest THB 7 million.
The maximum administrative fine under the data protection law, in full force since October 2024.
Sources: MAS, BNM and Thai PDPC announcements; Hong Kong, Vietnam and Indonesia legislation as summarised by law firms.
One group policy. Every regulator's verdict, side by side.
Technology risk · regional comparison
group-technology-risk-policy-v4.pdf| Requirement | Malaysia · BNM | Singapore · MAS | Hong Kong · HKMA | Indonesia · OJK |
|---|---|---|---|---|
| Incident reporting to the regulator | Met | Partial | Gap | Partial |
| Third-party and cloud risk | Partial | Met | Met | Gap |
| Board oversight of technology risk | Partial | Met | Met | Met |
| Penetration testing cadence | Met | Partial | Partial | Gap |
In the real report, every cell cites the regulator's own clause.
The old way
- A separate gap analysis in every country, often by a different adviser
- Spreadsheets that disagree on what the same control means
- Head office hears about a local gap after the local regulator does
With Nakhoda
- Upload your group policy once
- Each regulator's verdict side by side, every finding cited
- Read in English, checked against the official text, including Bahasa Indonesia, Thai and Vietnamese originals
Your regulators don't coordinate. Your compliance can.
Check one group policy against the regulators in each market you picked above, with every finding cited.
Need team access, or Nakhoda deployed inside your own environment? Email [email protected].
Start free with 2,500 credits
- Ask questions and get answers with the clause cited
- Gap checks across the markets you operate in, every finding cited
- No card needed
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Questions
Which markets and rules are covered?
Technology risk, AML/CFT, data protection and company law across Malaysia, Singapore, Hong Kong, Indonesia, Thailand, the Philippines and Vietnam, plus a regional data protection bundle that compares them side by side. Pick your markets above to see the detail.
What about other Asia-Pacific jurisdictions?
Australia (APRA) and broader Global Index monitoring are available in Nakhoda today. Additional deep-comparison packs can be scoped with our team.
Is this legal advice?
No. Nakhoda shows what each regulator requires and where your documents fall short, with the clause cited so your local compliance and legal teams can check it.
Where is our data processed?
SaaS workspaces are hosted in Southeast Asia with encryption in transit and at rest, or Nakhoda can be deployed inside your institution's own cloud or on-premises environment.