Welcome to
Point Nine Data Trust
Discover how RegTech is reshaping global finance — and how we are building the technology that makes regulatory compliance possible at scale.
Understanding the Industry
What is RegTech & FinTech?
Two intertwined industries transforming the way financial services operate globally.
FinTech
Financial Technology refers to the use of technology to deliver financial services more efficiently. It encompasses everything from mobile banking and digital payments to algorithmic trading and blockchain.
Global FinTech market is valued at over $340 billion and growing at 25%+ CAGR.
RegTech
Regulatory Technology is the subset of FinTech that uses technology to help financial institutions comply with regulations efficiently and cost-effectively. This is where Point Nine operates.
Point Nine is a pure-play RegTech company — 100% focused on regulatory reporting since 2002.
The Problem
Why Is Regulatory Reporting So Hard?
After the 2008 financial crisis, regulators worldwide introduced mandatory reporting obligations. The complexity is staggering.
Multi-Jurisdiction Complexity
Each country has its own regulator, its own rules, and its own interpretation. A single trade can trigger reporting obligations in 3+ jurisdictions simultaneously.
Hundreds of Data Fields
A single EMIR report requires 204+ mandatory fields per transaction. Each field has strict validation rules, acceptable values, and cross-field dependencies.
Constant Regulatory Change
Regulators continuously update their rules. The 2024 EMIR Refit was the largest overhaul in a decade — changing 80%+ of the reporting schema overnight.
Strict Deadlines
Reports must be submitted within T+1 (one business day). Late or inaccurate submissions result in regulatory fines, reputational damage, and potential license revocation.
Data Quality & Enrichment
Raw trade data is rarely complete. It must be enriched with LEI codes, UPI identifiers, product classifications, and reference data from multiple sources.
Cost of Non-Compliance
Financial institutions face multi-million-euro fines for reporting failures. In 2023 alone, EU regulators issued significant penalties for EMIR and MiFIR breaches.
Our Answer
The Point Nine Solution
A fully managed, end-to-end regulatory reporting service — from raw trade data to successful submission at trade repositories.
The In-House Approach
The Managed Service
Trade & Transaction Reporting
Delegated reporting across EMIR, MiFIR, SFTR, ASIC, MAS, and more. Full lifecycle management from new trades to modifications and cancellations.
ARM Services
FCA-authorised Approved Reporting Mechanism for MiFIR transaction reporting. Direct submission to 30+ National Competent Authorities.
NCA Reporting
Bilateral NCA-to-NCA submission routing with multi-jurisdiction coverage. Automated completeness checks and regulatory audit trails.
The Pipeline
How It Works — End to End
From your raw trade data to a confirmed submission at the trade repository — every step automated, validated, and audited.
Data Ingestion
Client sends trade data via API, SFTP, or file upload. Any format accepted.
Enrichment
Automated LEI lookups, UPI generation, product classification, and reference data sourcing.
Validation
400+ regulatory checks per transaction. Pre-submission error detection and auto-correction.
Submission
Automated dispatch to the correct trade repository or NCA based on regime and jurisdiction.
Reconciliation
Auto-matching against TR responses. Exception management and full audit trail generation.
Competitive Landscape
How Point Nine is Different
Most competitors offer software. We deliver outcomes. Here is how we compare.
| Capability | Point Nine | Software Vendors | In-House Build |
|---|---|---|---|
| Fully Managed Service | |||
| Multi-Regime Coverage (8+) | |||
| Proprietary Technology | |||
| Regulatory Expertise Team | |||
| Auto-Reconciliation | |||
| T+1 Processing Guarantee | |||
| 99.97% Uptime SLA | |||
| ISO 27001 / 9001 / 14001 |
Where We Operate
Global Presence, Local Expertise
Two offices, 8+ regulatory regimes, and clients across every major financial market.
London, United Kingdom
80 Coleman Street, 3rd Floor, Suite 3.08
Our newest office, opened in 2026, positioned in the heart of the City of London — the global hub of financial services and regulatory oversight.
Nicosia, Cyprus
170 Athalassas Avenue, 2nd Floor, Strovolos
Our headquarters since inception. Home to our engineering team, regulatory specialists, and operations — serving EU clients directly under ESMA oversight.
Jurisdictions We Cover
Ecosystem
Collaborations & Partnerships
We work alongside the industry's leading technology providers and consultancies to deliver comprehensive solutions.
FIS
Technology PartnerGlobal financial technology leader. Joint offering — FIS Trade Reporting Manager powered by Point Nine regulatory engine.
Kaizen Reporting
Quality AssuranceIndustry leader in regulatory reporting quality. Co-developed Kaizen Lite — automated report accuracy monitoring.
AlphaFMC
Consulting PartnerLeading asset management technology consultancy. Strategic advisory and implementation partner for complex deployments.
b.fine
Data ServicesSpecialists in financial data services and regulatory intelligence. Joint solutions for data quality and regulatory change management.
Leading Point
Infrastructure PartnerFinancial infrastructure innovators. Collaborative work on next-generation data connectivity and integration patterns.
Trade Repositories
Direct ConnectivityDirect connections to DTCC, Regis-TR, UnaVista, and all major trade repositories globally for automated submissions.
Client Segments We Serve
Under the Hood
Our Technology Stack
100% proprietary, built in-house. No white-label software, no third-party engines — every line of code is ours.
Python Core Engine
Our entire regulatory rule engine and processing pipeline is built in Python — purpose-built for complex data transformations and regulatory logic.
AWS Cloud Infrastructure
Enterprise-grade cloud hosting on Amazon Web Services. Auto-scaling, multi-region redundancy, and 99.97% uptime SLA.
Real-Time Processing Engine
Custom-built validation engine performing 400+ regulatory checks per transaction in under 2 minutes average processing time.
Programmatic Rule Engine
No spreadsheets or manual mappings. Every regulatory rule is codified, version-controlled, and deployable within hours of regulatory changes.
Enterprise Security
ISO 27001 certified. End-to-end encryption, role-based access, comprehensive audit logging, and automated threat detection.
API-First Architecture
RESTful APIs for trade ingestion, status queries, and reporting. Supports SFTP, direct API, and file-based integrations.
System Architecture
The Future is Now
AI & Innovation at Point Nine
We are actively leveraging Artificial Intelligence to enhance every layer of our regulatory reporting platform — from data quality to developer productivity.
Intelligent Data Validation
AI-powered anomaly detection identifies unusual patterns in trade data before submission — catching errors that rule-based systems would miss.
Smart Auto-Correction
Machine learning models suggest corrections for common data quality issues based on historical patterns and regulatory expectations.
Predictive Exception Management
AI predicts which submissions are likely to be rejected by trade repositories, enabling proactive remediation before deadlines.
AI-Assisted Development
Our engineering team uses AI coding assistants (Claude Code, Copilot) to accelerate development of new regulatory rules and platform features.
Regulatory Document Analysis
NLP models parse regulatory publications and consultation papers to identify upcoming rule changes and their impact on reporting schemas.
AI-Enhanced Client Support
Intelligent query routing and automated FAQ resolution help our support team respond faster to client inquiries about their reporting status.
AI Impact on Our Platform
AI catches anomalies that traditional rule-based systems miss
AI-assisted coding accelerates regulatory rule implementation
ML-suggested corrections accepted without manual review
NLP-assisted document analysis reduces time to understand new rules
Our AI Philosophy
AI augments our experts — it does not replace them. Every AI-suggested action is validated by our regulatory specialists before it affects a client's submissions. Human-in-the-loop is non-negotiable in regulated environments.
By the Numbers
Key Metrics & Achievements
All figures verified as of Q1 2026. Transaction data audited under ISO 9001 quality framework.
Join the Future of
Financial Technology
We are always looking for talented graduates and researchers who want to work at the intersection of technology, finance, and regulation.
Software Engineering
Build and scale our Python-based regulatory engine. Work with AI, cloud infrastructure, and real-time data processing.
Regulatory Analysis
Interpret financial regulations and translate them into reporting rules. Work directly with compliance teams at major banks.
Data Science & AI
Develop ML models for anomaly detection, auto-correction, and predictive analytics within our reporting pipeline.
Client Operations
Support our global client base. Manage onboarding, daily operations, and exception resolution across all regimes.
Our Team Composition
Questions & Answers
We would love to hear your questions about RegTech, our technology, career opportunities, or anything else.