{"id":30131,"date":"2025-07-16T15:52:38","date_gmt":"2025-07-16T14:52:38","guid":{"rendered":"https:\/\/smart.stream\/regulamentacao-e-conformidade\/"},"modified":"2026-06-11T16:58:52","modified_gmt":"2026-06-11T15:58:52","slug":"regulamentacao-e-conformidade","status":"publish","type":"page","link":"https:\/\/smart.stream\/pt-pt\/regulamentacao-e-conformidade\/","title":{"rendered":"Regulamenta\u00e7\u00e3o e Conformidade"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"30131\" class=\"elementor elementor-30131 elementor-15616\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a159b22 e-flex e-con-boxed e-con e-parent\" data-id=\"a159b22\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-16448ac elementor-widget elementor-widget-heading\" data-id=\"16448ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Regulamenta\u00e7\u00e3o e Conformidade<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e83cfcd elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"e83cfcd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">A Smartstream capacita os clientes a cumprir as regulamenta\u00e7\u00f5es do setor <br class=\"hide-mobile\" \/> atrav\u00e9s da implementa\u00e7\u00e3o de controlos de risco robustos que garantem a conformidade.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f28aa24 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"f28aa24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\" style=\"text-align: center;\">A conformidade regulat\u00f3ria \u00e9 uma prioridade operacional cr\u00edtica para as institui\u00e7\u00f5es financeiras. A Smartstream integra capacidades de conformidade em todo o seu conjunto de solu\u00e7\u00f5es, permitindo que as empresas cumpram as obriga\u00e7\u00f5es de reporte sem custos adicionais. <\/p><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\" style=\"text-align: center;\">A Smartstream aborda os principais quadros regulat\u00f3rios que moldam os mercados financeiros atuais \u2013 incluindo MiFID II, EMIR Refit, SFTR, BCBS 248, SRD II, UMR e Dodd-Frank.<\/p><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\" style=\"text-align: center;\">Os detalhes completos sobre como a Smartstream apoia cada regulamenta\u00e7\u00e3o, incluindo solu\u00e7\u00f5es e recursos relevantes, est\u00e3o dispon\u00edveis nas sec\u00e7\u00f5es abaixo.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a32d638 e-flex e-con-boxed e-con e-parent\" data-id=\"a32d638\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9ca2161 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-html\" data-id=\"9ca2161\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n.faq-accordion-content h1,.faq-accordion-content h2,.faq-accordion-content h3,.faq-accordion-content h4,.faq-accordion-content h5 {font-size: 1.2em; font-weight:bold;}\n<\/style>\n<div class=\"faq-accordion-container\" id=\"faq-accordion-hits\">\n<div id=\"solution_name\"><\/div>\n    <div id=\"hits\"><\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0b1383b e-flex e-con-boxed e-con e-parent\" data-id=\"0b1383b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-e4545c3 e-con-full e-flex e-con e-child\" data-id=\"e4545c3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-db31884 elementor-hidden-mobile elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"db31884\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tSmart <br \/>Insights\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tAs \u00faltimas tend\u00eancias em IA, automa\u00e7\u00e3o,<br class=\"hide-mobile\" \/> \ne inova\u00e7\u00e3o de dados.\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item \">\n\t\t\t\t\t<a class=\"elementor-cta__button elementor-button elementor-size-\" href=\"https:\/\/smart.stream\/smartstream-insights\/\">\n\t\t\t\t\t\tVer tudo\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50abe3c elementor-grid-2 smooth-load-text-row elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-widget elementor-widget-loop-grid\" data-id=\"50abe3c\" data-element_type=\"widget\" data-e-type=\"widget\" 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0px;--row-gap:0px;--column-gap:0px;--padding-top:0px;--padding-bottom:0px;--padding-left:0px;--padding-right:0px;}.elementor-29990 .elementor-element.elementor-element-79777b54 img{width:100%;height:100%;object-fit:cover;object-position:center center;}.elementor-29990 .elementor-element.elementor-element-79777b54{margin:0px 0px calc(var(--kit-widget-spacing, 0px) + 12px) 0px;}.elementor-29990 .elementor-element.elementor-element-7631e59c .elementor-heading-title{font-size:var( --e-global-typography-b41ad82-font-size );font-weight:var( --e-global-typography-b41ad82-font-weight );text-transform:var( --e-global-typography-b41ad82-text-transform );line-height:var( --e-global-typography-b41ad82-line-height );letter-spacing:var( --e-global-typography-b41ad82-letter-spacing );word-spacing:var( --e-global-typography-b41ad82-word-spacing );color:var( --e-global-color-ac618ca );}.elementor-29990 .elementor-element.elementor-element-7631e59c{margin:0px 0px calc(var(--kit-widget-spacing, 0px) + 12px) 0px;}.elementor-29990 .elementor-element.elementor-element-2b3e9226 .elementor-heading-title{font-size:var( --e-global-typography-95df7da-font-size );font-weight:var( --e-global-typography-95df7da-font-weight );line-height:var( --e-global-typography-95df7da-line-height );letter-spacing:var( --e-global-typography-95df7da-letter-spacing );word-spacing:var( --e-global-typography-95df7da-word-spacing );color:var( --e-global-color-text );}@media(max-width:1024px){.elementor-29990 .elementor-element.elementor-element-7631e59c .elementor-heading-title{font-size:var( --e-global-typography-b41ad82-font-size );line-height:var( --e-global-typography-b41ad82-line-height );letter-spacing:var( --e-global-typography-b41ad82-letter-spacing );word-spacing:var( --e-global-typography-b41ad82-word-spacing );}.elementor-29990 .elementor-element.elementor-element-2b3e9226 .elementor-heading-title{font-size:var( --e-global-typography-95df7da-font-size );line-height:var( 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);letter-spacing:var( --e-global-typography-95df7da-letter-spacing );word-spacing:var( --e-global-typography-95df7da-word-spacing );}}<\/style>\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"29990\" class=\"elementor elementor-29990 elementor-13071 elementor-13071 e-loop-item e-loop-item-39012 post-39012 ssresource type-ssresource status-publish has-post-thumbnail hentry global_tag-08-august-2026 global_tag-818 global_tag-artificial-intelligence-ai-machine-learning-ml global_tag-industries-banking global_tag-industries-capital-markets global_tag-industries-investment-management global_tag-smart-reconciliations global_tag-smartstream-air global_tag-videos\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<a class=\"elementor-element elementor-element-751ec277 insight smooth-load-item e-con-full e-flex e-con e-parent\" data-id=\"751ec277\" data-element_type=\"container\" data-e-type=\"container\" href=\"https:\/\/smart.stream\/pt-pt\/resources\/data-everywhere-is-the-real-problem\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-79777b54 elementor-widget elementor-widget-image\" data-id=\"79777b54\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"768\" height=\"432\" src=\"https:\/\/smart.stream\/wp-content\/uploads\/2026\/08\/2026-08-06-video-air-reconciliation-reimagined-02-768x432.jpg\" class=\"attachment-medium_large size-medium_large wp-image-39013\" alt=\"Video thumbnail for &apos;Fragmented data undermines control&apos; showing a city skyline, play button, and SmartStream logo.\" srcset=\"https:\/\/smart.stream\/wp-content\/uploads\/2026\/08\/2026-08-06-video-air-reconciliation-reimagined-02-768x432.jpg 768w, https:\/\/smart.stream\/wp-content\/uploads\/2026\/08\/2026-08-06-video-air-reconciliation-reimagined-02-300x169.jpg 300w, https:\/\/smart.stream\/wp-content\/uploads\/2026\/08\/2026-08-06-video-air-reconciliation-reimagined-02-1024x576.jpg 1024w, https:\/\/smart.stream\/wp-content\/uploads\/2026\/08\/2026-08-06-video-air-reconciliation-reimagined-02.jpg 1050w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7631e59c grey-dot elementor-widget elementor-widget-heading\" data-id=\"7631e59c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">V\u00eddeo &amp; Podcast<\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b3e9226 elementor-widget elementor-widget-heading\" data-id=\"2b3e9226\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">The data problem that precedes every break\r\nWhen reconci...<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"29990\" class=\"elementor elementor-29990 elementor-13071 elementor-13071 e-loop-item e-loop-item-38995 post-38995 ssresource type-ssresource status-publish has-post-thumbnail hentry global_tag-08-august-2026 global_tag-asset-servicing-times global_tag-news global_tag-smart-reconciliations global_tag-smartstream-air global_tag-thomas-steinborn\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<a class=\"elementor-element elementor-element-751ec277 insight smooth-load-item e-con-full e-flex e-con e-parent\" data-id=\"751ec277\" data-element_type=\"container\" data-e-type=\"container\" href=\"https:\/\/smart.stream\/pt-pt\/resources\/o-dilema-da-modernizacao\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-79777b54 elementor-widget elementor-widget-image\" data-id=\"79777b54\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"432\" src=\"https:\/\/smart.stream\/wp-content\/uploads\/2025\/07\/News-Overview-Asset-Servicing-Times-2025-768x432.jpg\" class=\"attachment-medium_large size-medium_large wp-image-14726\" alt=\"\" srcset=\"https:\/\/smart.stream\/wp-content\/uploads\/2025\/07\/News-Overview-Asset-Servicing-Times-2025-768x432.jpg 768w, https:\/\/smart.stream\/wp-content\/uploads\/2025\/07\/News-Overview-Asset-Servicing-Times-2025-300x169.jpg 300w, https:\/\/smart.stream\/wp-content\/uploads\/2025\/07\/News-Overview-Asset-Servicing-Times-2025-1024x576.jpg 1024w, https:\/\/smart.stream\/wp-content\/uploads\/2025\/07\/News-Overview-Asset-Servicing-Times-2025.jpg 1050w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7631e59c grey-dot elementor-widget elementor-widget-heading\" data-id=\"7631e59c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Not\u00edcias<\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b3e9226 elementor-widget elementor-widget-heading\" data-id=\"2b3e9226\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Os sistemas que se recusam a reformar\n\n\nAs plataformas l...<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"29990\" class=\"elementor elementor-29990 elementor-13071 elementor-13071 e-loop-item e-loop-item-38952 post-38952 ssresource type-ssresource status-publish has-post-thumbnail hentry global_tag-07-july-2026 global_tag-818 global_tag-artificial-intelligence-ai-machine-learning-ml global_tag-news global_tag-robin-hasson global_tag-smart-agents global_tag-smart-reconciliations global_tag-smartstream-air global_tag-the-digital-assets-edge\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<a class=\"elementor-element elementor-element-751ec277 insight smooth-load-item e-con-full e-flex e-con e-parent\" data-id=\"751ec277\" data-element_type=\"container\" data-e-type=\"container\" href=\"https:\/\/smart.stream\/pt-pt\/resources\/o-problema-da-inteligencia\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-79777b54 elementor-widget elementor-widget-image\" data-id=\"79777b54\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"432\" src=\"https:\/\/smart.stream\/wp-content\/uploads\/2026\/07\/News-overview-the-digital-assets-edge-2026-768x432.jpg\" class=\"attachment-medium_large size-medium_large wp-image-38929\" alt=\"Partial photo of a woman wearing glasses on the left, with the bold text &apos;THE DIGITAL ASSETS EDGE&apos; on a white background.\" srcset=\"https:\/\/smart.stream\/wp-content\/uploads\/2026\/07\/News-overview-the-digital-assets-edge-2026-768x432.jpg 768w, https:\/\/smart.stream\/wp-content\/uploads\/2026\/07\/News-overview-the-digital-assets-edge-2026-300x169.jpg 300w, https:\/\/smart.stream\/wp-content\/uploads\/2026\/07\/News-overview-the-digital-assets-edge-2026-1024x576.jpg 1024w, https:\/\/smart.stream\/wp-content\/uploads\/2026\/07\/News-overview-the-digital-assets-edge-2026.jpg 1050w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7631e59c grey-dot elementor-widget elementor-widget-heading\" data-id=\"7631e59c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Not\u00edcias<\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b3e9226 elementor-widget elementor-widget-heading\" data-id=\"2b3e9226\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Pagamentos ag\u00eanticos de IA\n\n\nOs pagamentos ag\u00eanticos de ...<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t<style id=\"loop-29992\">.elementor-29992 .elementor-element.elementor-element-436bc0{--display:flex;--justify-content:center;border-style:solid;--border-style:solid;border-width:1px 1px 1px 1px;--border-top-width:1px;--border-right-width:1px;--border-bottom-width:1px;--border-left-width:1px;border-color:var( --e-global-color-0c8397e );--border-color:var( --e-global-color-0c8397e );--border-radius:0px 0px 200px 0px;}.elementor-29992 .elementor-element.elementor-element-1ecc3d91{text-align:center;}.elementor-29992 .elementor-element.elementor-element-1ecc3d91 .elementor-heading-title{font-size:var( --e-global-typography-95df7da-font-size );font-weight:var( --e-global-typography-95df7da-font-weight );line-height:var( --e-global-typography-95df7da-line-height );letter-spacing:var( --e-global-typography-95df7da-letter-spacing );word-spacing:var( --e-global-typography-95df7da-word-spacing );}@media(max-width:1024px){.elementor-29992 .elementor-element.elementor-element-1ecc3d91 .elementor-heading-title{font-size:var( --e-global-typography-95df7da-font-size );line-height:var( --e-global-typography-95df7da-line-height );letter-spacing:var( --e-global-typography-95df7da-letter-spacing );word-spacing:var( --e-global-typography-95df7da-word-spacing );}}@media(max-width:767px){.elementor-29992 .elementor-element.elementor-element-436bc0{--border-radius:0px 0px 140px 0px;}.elementor-29992 .elementor-element.elementor-element-1ecc3d91 .elementor-heading-title{font-size:var( --e-global-typography-95df7da-font-size );line-height:var( --e-global-typography-95df7da-line-height );letter-spacing:var( --e-global-typography-95df7da-letter-spacing );word-spacing:var( --e-global-typography-95df7da-word-spacing );}}<\/style>\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"29992\" class=\"elementor elementor-29992 elementor-13069 elementor-13069 elementor-repeater-item-b783501 e-loop-item e-loop-item-38951 post-38951 ssresource type-ssresource status-publish has-post-thumbnail hentry global_tag-07-july-2026 global_tag-818 global_tag-artificial-intelligence-ai-machine-learning-ml global_tag-smart-reconciliations global_tag-smartstream-air global_tag-videos\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<a class=\"elementor-element elementor-element-436bc0 view-all e-flex e-con-boxed e-con e-parent\" data-id=\"436bc0\" data-element_type=\"container\" data-e-type=\"container\" href=\"https:\/\/smart.stream\/pt-pt\/smartstream-insights\/\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1ecc3d91 elementor-widget elementor-widget-heading\" data-id=\"1ecc3d91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Ver tudo<\/h6>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-59f0bb7 e-flex e-con-boxed e-con e-parent\" data-id=\"59f0bb7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c25cba0 e-con-full pulse-bg e-flex e-con e-child\" data-id=\"c25cba0\" 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sustentabilidade est\u00e1 no centro da nossa inova\u00e7\u00e3o. Fa\u00e7a parte de uma <br class=\"hide-mobile\" \/>empresa que prioriza as finan\u00e7as respons\u00e1veis. \t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item \">\n\t\t\t\t\t<a class=\"elementor-cta__button elementor-button elementor-size-\" href=\"https:\/\/smart.stream\/careers\/\">\n\t\t\t\t\t\tExplorar carreiras\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Regulamenta\u00e7\u00e3o e Conformidade A Smartstream capacita os clientes a cumprir as regulamenta\u00e7\u00f5es do setor atrav\u00e9s da implementa\u00e7\u00e3o de controlos de risco robustos que garantem a conformidade. A conformidade regulat\u00f3ria \u00e9 uma prioridade operacional cr\u00edtica para as institui\u00e7\u00f5es financeiras. A Smartstream integra capacidades de conformidade em todo o seu conjunto de solu\u00e7\u00f5es, permitindo que as empresas [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":"","_members_access_role":[],"_members_access_error":""},"global_tag":[],"class_list":["post-30131","page","type-page","status-publish","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.0.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"A s\u00e9rie AIR da Smartstream come\u00e7a por explicar porque \u00e9 que os dados fragmentados e os controlos manuais representam agora um risco financeiro e regulamentar material para as institui\u00e7\u00f5es financeiras.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<link rel=\"canonical\" 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AICPA SOC for Service Organisations and how does Smartstream support compliance?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"AICPA SOC reports are independent attestations on the internal controls of service organisations, covering financial reporting (SOC 1), security and availability (SOC 2), and public-facing assurance (SOC 3). Smartstream has completed all three attestations, enabling clients to satisfy their own regulatory due diligence and internal audit requirements for outsourced operations.\" } }, { \"@type\": \"Question\", \"name\": \"What does AIFMD require and how does Smartstream help alternative investment fund managers comply?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"The Alternative Investment Fund Managers Directive requires fund managers to accurately evaluate asset type exposure and maintain data quality sufficient for regulatory reporting and risk management. Smartstream's Smart Data delivers a managed reference data service providing complete, accurate, and timely instrument data to support AIFMD reporting and risk management obligations.\" } }, { \"@type\": \"Question\", \"name\": \"How does Smartstream support Basel II reconciliation requirements?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Basel II requires banks to maintain accurate, reconciled data across a wide range of positions and portfolios, with regulatory-driven scope expansion creating significant reconciliation backlogs. Smartstream's Smart Reconciliations enables rapid onboarding of reconciliations, helping institutions clear backlogs and sustain control coverage as requirements expand.\" } }, { \"@type\": \"Question\", \"name\": \"How does Smartstream support Basel III reference data and risk management requirements?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Basel III raises capital and liquidity requirements and depends heavily on high-quality reference data to support capital calculations, liquidity reporting, and risk exposure assessments. Smartstream's Smart Data delivers a managed reference data service providing complete, accurate, and timely instrument data for Basel III regulatory reporting and risk management operations.\" } }, { \"@type\": \"Question\", \"name\": \"What does BCBS 239 require and how does Smartstream address data aggregation obligations?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"BCBS 239 requires globally systemically important banks to maintain complete, accurate, and timely risk data aggregation capabilities across all material risk types. Smartstream addresses these obligations through Smart Data for reference data governance, Smart Reconciliations for transaction completeness and accuracy, and Smart Liquidity to ensure data used for liquidity risk management is fully reconciled.\" } }, { \"@type\": \"Question\", \"name\": \"What is BS11 and how does Smartstream support New Zealand banks?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"BS11 is a Reserve Bank of New Zealand outsourcing policy requiring large banks to operate critical systems independently of their parent group in a separation event. Smartstream supports New Zealand banks through cloud-hosted Smart Collateral, Smart Reconciliations, and Smart Liquidity solutions with contractual provisions for independent data processing as required under BS11.\" } }, { \"@type\": \"Question\", \"name\": \"How does Smartstream support Dodd-Frank compliance for OTC derivatives?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Dodd-Frank requires the reconciliation of OTC derivatives and imposes margin, reporting, and collateral management obligations on counterparties. Smartstream's Smart Reconciliations delivers pre-built solutions and workflow management across the full OTC derivative lifecycle, while Smart Collateral supports portfolio management, dispute workflow, reporting, and threshold monitoring for cleared and bilateral transactions.\" } }, { \"@type\": \"Question\", \"name\": \"What does EMIR Refit require and how does Smartstream help firms comply?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"EMIR Refit, effective in the EU on 29 April 2024 and in the UK on 30 September 2024, expands OTC derivative reporting requirements with particular focus on commodities and energy fields. Smartstream supports compliance through Smart Reconciliations for trade lifecycle oversight, Smart Collateral for margining and dispute management, and Smart Data for the accurate reference data required to enrich EMIR Refit trade reports.\" } }, { \"@type\": \"Question\", \"name\": \"How does Smartstream support FATCA reporting obligations?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"FATCA requires financial institutions to identify and accurately report income received from corporate actions by US persons. Smartstream's Smart Actions facilitates accurate processing of corporate action events, supporting institutions in meeting their FATCA-driven tax reporting obligations for global income received by US persons.\" } }, { \"@type\": \"Question\", \"name\": \"How does Smartstream address FINRA Trading Activity Fee compliance?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"The FINRA Trading Activity Fee requires broker-dealers to evaluate each transaction against defined rule flows, applying the correct assessment or exemption with full audit documentation. Smartstream's Smart Fees fully implements the FINRA TAF rule flows, evaluating each transaction against assessment criteria and documenting exemptions for audit, reducing manual effort and compliance risk.\" } }, { \"@type\": \"Question\", \"name\": \"How does Smartstream support IOSCO Uncleared Margin Rules compliance?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"The IOSCO Uncleared Margin Rules require exchange of initial and variation margin for non-centrally cleared derivatives across six implementation phases. Smartstream's Smart Collateral is designed to handle UMR Phase 1-6 requirements, supporting central and client clearing, group thresholds, gross and net margining, mismatch haircuts, wrong-way risk, asset concentration management, and rehypothecation tracking.\" } }, { \"@type\": \"Question\", \"name\": \"How does Smartstream help payments firms meet KYC and AML obligations?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"KYC and AML regulations require payments firms, card issuers, and remittance processors to verify customer identities, monitor transactions, and detect suspicious activity in an automated, controlled, and auditable manner. Smartstream's Smart Reconciliations enables issuers to detect transaction issues and resolve them across all relevant payment and card processing flows.\" } }, { \"@type\": \"Question\", \"name\": \"How does Smartstream support card issuers responding to the EU Interchange Fee Regulation (MIF)?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"The EU Multilateral Interchange Fee regulation caps credit card interchange fees at 0.3 percent, placing significant pressure on issuers to reduce operational costs. Smartstream's Smart Reconciliations automates control processes across card operations, reducing manual costs and mitigating operational risks and losses for issuers responding to the interchange fee cap.\" } }, { \"@type\": \"Question\", \"name\": \"How does Smartstream address MiFID II and MiFIR reference data and reporting requirements?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"MiFID II and MiFIR require access to significant quantities of reference data for every financial instrument traded in Europe, covering pre-trade transparency, post-trade reporting, and transaction reporting. Smartstream's Smart Data delivers all required reference data including ToTV determination, ANNA DSB interaction, and Systematic Internaliser classifications, while Smart Reconciliations supports validation of the expanded mandatory data fields.\" } }, { \"@type\": \"Question\", \"name\": \"How does Smartstream support PCI-DSS compliance for payment data security?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"PCI-DSS establishes requirements for the secure handling, storage, and transmission of cardholder data across organisations that process card payments. Smartstream's Smart Reconciliations platform and its OnDemand SaaS services are certified at the highest PCI-DSS security level, enabling clients to process and reconcile payment data within a verified, secure environment.\" } }, { \"@type\": \"Question\", \"name\": \"How does Smartstream support PSD II compliance for payment service providers?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"PSD II extends payment services regulation across the EU, introducing requirements for payment initiation services and access to account services with robust transaction monitoring and exception management obligations. Smartstream's Smart Reconciliations provides the tools to reconcile and monitor transactional content, tracking exceptions and process breaks across PSD II-regulated payment flows.\" } }, { \"@type\": \"Question\", \"name\": \"How does Smartstream support SEC Section 31 fee compliance for exchanges and SROs?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"SEC Section 31 requires exchanges and self-regulatory organisations to calculate, account for, and remit fees based on transaction volumes within defined timeframes. Smartstream's Smart Fees provides fully automated support for Section 31 fee calculation, accounting, billing and collection, and payment, reducing manual processing and compliance risk for exchanges and SROs.\" } }, { \"@type\": \"Question\", \"name\": \"How does Smartstream support SFTR reference data requirements for securities financing?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"The EU Securities Financing Transaction Regulation requires both parties to report SFTs to a registered trade repository, with each report requiring accurate instrument reference data. Smartstream's Smart Data simplifies the sourcing of essential security reference data, providing the accurate, timely instrument information required to enrich SFT reports under SFTR.\" } }, { \"@type\": \"Question\", \"name\": \"How does Smartstream support Solvency II data quality requirements for insurers?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Solvency II requires insurers to prove the quality and accuracy of data underpinning internal models and regulatory submissions, with transparency required across the entire data lifecycle. 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Smartstream's Smart Actions delivers automation and proactive controls supporting intermediaries in meeting SRD II obligations for shareholder identification, voting facilitation, and disclosure transparency.\" } }, { \"@type\": \"Question\", \"name\": \"How does Smartstream support ISO 20022 adoption for financial messaging?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"ISO 20022 is the mandated international standard for financial message exchange, with the ECB directing full implementation from November 2022. 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Smartstream's Smart Reconciliations applies the controls needed to prevent settlement breaks and enables daily reconciliation with CSD information, while Smart Data supports associated reference data and reporting requirements.\" } }, { \"@type\": \"Question\", \"name\": \"How does Smartstream support BCBS 248 intraday liquidity management and reporting?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"BCBS 248 requires banks to measure, monitor, and manage intraday liquidity positions in real time, producing regulatory reports and running stress tests across multiple time horizons. Smartstream's Smart Liquidity delivers real-time intraday liquidity aggregation, BCBS 248 regulatory reporting, and intraday stress testing across four scenarios, while Smart Reconciliations ensures the data integrity required for liquidity risk management.\" } }, { \"@type\": \"Question\", \"name\": \"How does Smartstream support IFRS 17 insurance contract liability reporting?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"IFRS 17 requires insurers to provide reconciliations of opening and closing balances of insurance contract liabilities with detailed disclosures across financial statements. Smartstream's Smart Reconciliations provides greater transparency and comparability in the reporting of insurance contract liabilities, supporting firms in producing the reconciliations required under IFRS 17.\" } }, { \"@type\": \"Question\", \"name\": \"How does Smartstream support T+1 trade settlement compliance?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"T+1 compresses the US securities settlement cycle to trade date plus one business day, effective 28 May 2024, tightening operational windows across trade matching, corporate actions, collateral, and liquidity. Smartstream addresses each challenge through Smart Reconciliations for faster matching and exception resolution, Smart Actions for corporate action automation, Smart Collateral for real-time margining, Smart Liquidity for intraday cash visibility, and Smart Data for timely reference data.\" } }, { \"@type\": \"Question\", \"name\": \"How does Smartstream support ECMS compliance for Eurosystem collateral management?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"The Eurosystem Collateral Management System is a unified platform for managing collateral in Eurosystem credit operations, built on ISO 20022 Securities messaging standards. Smartstream's Smart Reconciliations supports clients in processing the full complexity of ISO 20022 Securities message structures, enabling accurate reconciliation of collateral positions within the ECMS framework.\" } }, { \"@type\": \"Question\", \"name\": \"What does DORA require and how does Smartstream support digital operational resilience compliance?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"The Digital Operational Resilience Act requires financial entities and critical ICT providers to meet defined standards for IT security, incident management, resilience testing, and third-party risk oversight, effective January 2025. Smartstream, designated as a critical ICT provider by several financial entities, holds ISO 27001:2022, PCI-DSS, and SOC 1, SOC 2, and SOC 3 certifications covering the risk, incident, and resilience domains aligned with DORA requirements.\" } }, { \"@type\": \"Question\", \"name\": \"What is CPS 230 and how does Smartstream support APRA-regulated entities?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"CPS 230 is an APRA prudential standard effective 1 July 2025 requiring regulated entities to strengthen operational risk management, business continuity planning, and third-party risk oversight. Smartstream supports APRA-regulated clients by applying its ISO 27001:2022, PCI-DSS, and SOC 1, SOC 2, and SOC 3 certifications and proven risk management practices to help demonstrate operational resilience and third-party compliance under CPS 230.\" } } ] }"}],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"WebPage","isEnabled":false},"graphs":[{"id":"#aioseo-service-mng1uizm","slug":"service","graphName":"Service","label":"Service","properties":{"name":"Smartstream Regulatory Compliance Solutions","description":"Smartstream addresses regulatory compliance for financial institutions across MiFID, EMIR, SFTR, BCBS 248, SRD II, and UMR through Smart Data, Smart Liquidity, Smart Actions, and Smart Collateral.","serviceType":"Regulatory Compliance","price":"","currency":"","image":"https:\/\/smart.stream\/wp-content\/uploads\/2025\/04\/Success-Stories-Overview-SmartStream-Style-1.jpg","provider":{"name":"","url":"","image":""}},"value":"service"}]},"schema_type":"default","schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":"-1","robots_max_videopreview":"-1","robots_max_imagepreview":"large","priority":null,"frequency":"default","local_seo":null,"seo_analyzer_scan_date":"2026-06-19 12:45:03","breadcrumb_settings":null,"limit_modified_date":false,"open_ai":null,"ai":{"faqs":[],"keyPoints":[],"titles":["Smartstream Leading the Way in Regulatory Compliance and Risk Management","Ensuring Industry Compliance: Smartstream's Strategic Approach","Build a Sustainable Future with Smartstream's Innovative Compliance Solutions","Smartstream's Latest on AI and Data Innovation in Regulatory Adherence","Join Smartstream in Promoting Responsible Finance and Sustainability"],"descriptions":[],"socialPosts":{"email":[],"linkedin":[],"twitter":[],"facebook":[],"instagram":[]}},"created":"2026-06-11 15:58:51","updated":"2026-08-06 22:42:50","focus_keyword":null,"additional_keywords":null,"truseo_locale":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/smart.stream\/pt-pt\/\" title=\"Home\">Home<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">|<\/span><span class=\"aioseo-breadcrumb\">\n\tRegulamenta\u00e7\u00e3o e Conformidade\n<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/smart.stream\/pt-pt\/"},{"label":"Regulamenta\u00e7\u00e3o e Conformidade","link":"https:\/\/smart.stream\/pt-pt\/regulamentacao-e-conformidade\/"}],"_links":{"self":[{"href":"https:\/\/smart.stream\/pt-pt\/wp-json\/wp\/v2\/pages\/30131","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smart.stream\/pt-pt\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/smart.stream\/pt-pt\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/smart.stream\/pt-pt\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smart.stream\/pt-pt\/wp-json\/wp\/v2\/comments?post=30131"}],"version-history":[{"count":1,"href":"https:\/\/smart.stream\/pt-pt\/wp-json\/wp\/v2\/pages\/30131\/revisions"}],"predecessor-version":[{"id":30132,"href":"https:\/\/smart.stream\/pt-pt\/wp-json\/wp\/v2\/pages\/30131\/revisions\/30132"}],"wp:attachment":[{"href":"https:\/\/smart.stream\/pt-pt\/wp-json\/wp\/v2\/media?parent=30131"}],"wp:term":[{"taxonomy":"global_tag","embeddable":true,"href":"https:\/\/smart.stream\/pt-pt\/wp-json\/wp\/v2\/global_tag?post=30131"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}