Solutions · Financial Services
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Supervised autonomy, by design

The CBUAE's February 2026 guidance expects human oversight, bilingual disclosure and auditable governance for AI in financial institutions. Zeirowork's workforce is built exactly that shape: specialists prepare, your people decide, and every step lands in the log.

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February 2026

The CBUAE Guidance Note on AI for licensed financial institutions formalised human-in-the-loop and on-the-loop oversight, with disclosures in Arabic and English.

52% of DIFC firms

were actively using AI by the DFSA's November 2025 survey, up from 33% a year earlier. Most firms have adopted AI; far fewer have the governance for it.

Onshore by rule

A bank's Master System of Record must be maintained and stored in the UAE under CBUAE outsourcing rules.

The team a regulated firm staffs first.

Specialists for the work that consumes compliance, coverage and reporting teams. Credit, investment and redress decisions stay with named people.

Regulatory Horizon AnalystCBUAE, DFSA, FSRA and DIFC feeds, mapped to your obligations
Compliance OperationsModel inventories, DPIAs, checklists with evidence attached
Client Intelligence AnalystBilingual briefing packs before every meeting
RFP & DDQ SpecialistAnswer libraries, tracked drafts, evidence assembly
Complaints CoordinatorClassification and case files; outcomes stay human
Board Reporting AnalystBoard packs and the AI-governance report the regulator expects

A complaint, handled overnight.

Regulated timelines do not keep office hours. The workforce keeps the clock; your officers keep the decisions.

21:40
A complaint lands via the app
The triage specialist classifies it against CBUAE Consumer Protection categories and clocks, and drafts a bilingual acknowledgement.
21:55
The on-duty officer approves the acknowledgement
It goes out with a case reference. The customer hears back in fifteen minutes, from a human-approved reply.
07:30
The full case file is waiting
Transactions, prior contacts and similar-case outcomes, assembled overnight for the case handler.
11:00
The handler decides the outcome
Redress is a human decision. The specialist drafts the final response letter for sign-off.
14:00
Approved response issued
Complaint metrics update the board-pack dataset automatically, with the audit trail intact.

What firms run on it.

Preparation, monitoring and assembly at machine speed, with human judgment exactly where the regulator expects it.

01

Horizon scanning before the open

Overnight sweeps of the CBUAE Rulebook, DFSA, FSRA and DIFC Commissioner feeds, diffed against your obligations register, with a bilingual impact brief on the head of compliance's desk by 08:30.

02

Guidance readiness in two weeks

Every AI use in the firm inventoried, the model register drafted with proposed in-the-loop and on-the-loop classifications, bias-testing schedules and third-party evidence assembled for review.

03

Briefing packs before coffee

For every 10:00 client meeting: positions, overnight moves on the client's holdings, last meeting's notes and open actions, compiled at dawn in Arabic and English for the RM to approve from a phone.

04

A 240-question DDQ in days

Answers drafted from the approved-answer library, every response flagged where policy changed since last use, current evidence attached, and compliance signing each page at the gate.

05

Market commentary, named approver

The weekly house view drafted in both languages with data verified against sources. The CIO edits the call, because the market view belongs to a person, and approves publication.

06

Board and AI-governance packs in a day

Business MI, risk dashboards and the AI report the CBUAE now expects: model inventory status, bias-testing results, drift incidents and AI-related complaints, reconciled and ready five days early.

Shaped to the rulebook.

The governance questions answered before your second meeting.

Mapped to the taxonomy

Approval gates configured as human-in-the-loop or on-the-loop per workflow, matching the CBUAE Guidance Note's oversight tiers, with disclosures drafted in Arabic and English.

Data that stays onshore

UAE-region deployment by default, self-hosted options on local models, and architecture consistent with in-UAE Master System of Record requirements.

DIFC Regulation 10 support

Processing records, user notices, DPIA inputs and the audit evidence an Autonomous Systems Officer needs, generated as the workforce works.

Bring one process to a working session

A complaints flow, a DDQ, or the morning briefing pack: we will run it live with your compliance lead in the room.

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