Introduction
The future of financial compliance is rapidly changing, and innovators like Ayushi are leading the charge. With over a decade of experience at major U.S. financial institutions, Ayushi has focused on regulatory technology (RegTech) solutions that modernize financial compliance infrastructure. Her flagship initiative, RegCap GPT (available at GitHub), was recently recognized with the Globee Silver Award for Compliance Management Innovation — see Globee credential — which exemplifies how AI-driven tools can strengthen financial stability, regulatory transparency, and systemic risk reduction across the U.S. financial ecosystem.
In this interview, Ayushi discusses the national importance of her work, its alignment with federal priorities, and why building next-generation compliance infrastructure is critical for U.S. economic resilience and public interest.
Q1: What inspired you to develop RegCap GPT and focus on compliance automation?
Over the years, I’ve seen firsthand how financial institutions struggle with regulatory complexity, manual compliance processes, and the rising cost of adhering to federal mandates. At leading U.S. financial institutions, I contributed to projects ranging from capital adequacy automation under Federal Reserve guidelines to modernizing SWIFT ISO 20022 messaging standards to improve post-trade transparency and security.
RegCap GPT grew out of this experience. I envisioned an open-source, AI-powered compliance tool that could help mid-sized banks, community lenders, and even fintech firms interpret regulations faster, implement controls effectively, and provide audit-ready outputs without the cost and delays of traditional compliance systems.
Q2: How does your work align with U.S. federal priorities and national strategies?
The U.S. government has emphasized the importance of financial resilience, AI risk management, and cybersecurity through multiple initiatives. For example:
- Executive Order 14067 calls for secure digital asset frameworks.
- Executive Order 13985 promotes financial inclusion and equitable access.
- Executive Order 14178 (Digital Financial Technology, 2025) and Executive Order 14179 (AI Action Plan, 2025) advance responsible AI adoption and secure digital finance innovation.
- The National Cybersecurity Strategy (2024) highlights the urgency of strengthening critical financial infrastructure against cyber threats.
RegCap GPT and my broader compliance automation work directly address these priorities. By reducing systemic risks, improving real-time compliance monitoring, and enabling smaller institutions to meet complex regulations, we’re supporting federal goals for a secure, transparent, and inclusive financial system.
Q3: What broader impact do you see on systemic risk reduction and national financial stability?
Financial stability depends on timely, accurate compliance across thousands of institutions. Delays or gaps in regulatory reporting can have systemic consequences, as we saw during the 2008 crisis.
By automating compliance workflows, RegCap GPT can help institutions respond to new regulations faster, reduce operational risks, and free up capital for economic growth rather than compliance overhead. This has national-level implications — supporting not just individual firms but the U.S. financial system’s overall resilience in the face of evolving risks, including AI-driven cyber threats.
Q4: How has the industry recognized your contributions beyond your institutional work?
My work has been recognized with multiple industry awards, including the Globee Silver Award for RegCap GPT and the Titan Gold Award for Innovation in Technology.
I’ve also been invited to serve as a judge for leading technology awards such as the Globee Awards, Stevie Awards, and Stratus Awards, where I evaluate cutting-edge solutions shaping the future of technology and compliance.
Additionally, speaking invitations from platforms like ElasticON NYC and leadership roles with organizations such as IEEE Women in Engineering and the ISA New Jersey Committee reflect the cross-institutional relevance of my work.
Q5: What’s next for AI-driven compliance and your vision for U.S. financial modernization?
The next step is to make AI-powered compliance tools widely accessible through open-source frameworks and public-private collaboration. We are exploring features like message-family alignment (ISO 20022), documented control points, and audit-ready exports to help institutions meet both current and upcoming federal mandates cost-effectively.
By building tools that are transparent, scalable, and aligned with federal priorities, we can ensure the U.S. financial system stays ahead in security, compliance, and global competitiveness.
Conclusion
Ayushi’s work illustrates how innovation in regulatory technology can strengthen financial stability, reduce systemic risks, and support national economic security. As federal agencies set ambitious timelines for AI risk management and cybersecurity modernization, solutions like RegCap GPT demonstrate why empowering innovators with the right tools — and removing unnecessary barriers — serves the public interest and the national interest alike.
For more on Ayushi’s work and contributions, visit her LinkedIn profile or explore the open-source RegCap GPT project.
