Enterprise Compliance Roadmap: ISO 27001, MAS TRM, MiCA, and DORA

Regulatory compliance is no longer optional for enterprises operating in financial services, digital assets, or critical infrastructure. This guide provides a practical roadmap for achieving compliance across ISO 27001, MAS TRM, MiCA, DORA, FATF, and GDPR.

Executive Summary

The regulatory landscape for digital infrastructure is converging globally. ISO 27001 provides the foundation for information security management, while jurisdiction-specific frameworks (MAS TRM, MiCA, DORA) add operational resilience and financial stability requirements. Enterprises must adopt an evidence-based compliance approach with automated reporting and forensic-grade audit trails.

ISO 27001: Information Security Management System

ISO 27001 is the international standard for information security management. It provides a systematic approach to managing sensitive information through risk-based controls.

Certification Process

1. Gap Analysis (2-3 months): Assess current security posture against ISO 27001 Annex A controls
2. Remediation (6-9 months): Implement missing controls, document policies, establish ISMS processes
3. Stage 1 Audit (1 month): Independent auditor reviews documentation and management systems
4. Stage 2 Audit (1 month): On-site verification of control implementation and effectiveness
5. Certification Issuance: Accredited certification body issues ISO 27001 certificate
6. Surveillance Audits: Annual audits to maintain certification

Key Requirements

• Risk assessment and treatment methodology
• Statement of Applicability (SoA) documenting control selection
• Information security policies and procedures
• Asset inventory and classification
• Access control and identity management
• Incident response and business continuity plans
• Regular internal audits and management reviews

MAS TRM: Technology Risk Management

The Monetary Authority of Singapore's Technology Risk Management guidelines apply to all financial institutions operating in Singapore. MAS TRM focuses on operational resilience, cybersecurity, and third-party risk management.

Core Principles

• Board and Senior Management Oversight: Technology risk governance at executive level
• IT and Cybersecurity Controls: Defense-in-depth, zero-trust architecture
• IT Service Management: Change management, incident response, problem management
• IT Audit: Independent assurance of technology controls
• Business Continuity Management: Recovery time objectives (RTO) and recovery point objectives (RPO)
• Outsourcing and Third-Party Risk: Vendor due diligence and continuous monitoring

MiCA: Markets in Crypto-Assets Regulation

MiCA is the EU's comprehensive regulatory framework for crypto-asset service providers (CASPs). It establishes authorization requirements, operational standards, and consumer protection measures.

Compliance Requirements for CASPs

• Authorization from national competent authority
• Minimum capital requirements (€50k-€150k depending on services)
• Custody and safeguarding of client crypto-assets
• Conflict of interest policies and disclosures
• Complaint handling procedures
• Market abuse prevention (insider trading, market manipulation)
• Operational resilience and business continuity

DORA: Digital Operational Resilience Act

DORA establishes uniform requirements for digital operational resilience across EU financial entities. It mandates ICT risk management, incident reporting, operational resilience testing, and third-party risk management.

Five Pillars of DORA

1. ICT Risk Management: Comprehensive framework for identifying, protecting, detecting, responding, and recovering from ICT-related incidents
2. ICT Incident Reporting: Mandatory reporting of major ICT incidents to competent authorities
3. Operational Resilience Testing: Regular testing including advanced threat-led penetration testing (TLPT)
4. Third-Party Risk Management: Enhanced oversight of critical ICT service providers
5. Information Sharing: Voluntary sharing of cyber threat intelligence

Evidence-Based Compliance Approach

Modern compliance requires more than policy documents. Regulators demand evidence of control effectiveness through audit trails, telemetry, and automated reporting.

Control Mappings

Map your security controls to multiple frameworks simultaneously to reduce audit overhead:

• ISO 27001 Annex A controls
• NIST Cybersecurity Framework (CSF) 2.0
• CIS Controls v8
• MAS TRM guidelines
• MiCA operational requirements
• DORA ICT risk management framework

Audit Trails

Implement forensic-grade audit trails with cryptographic attestation:

• Merkle-anchored audit logs (tamper-evident)
• Policy decision records with cryptographic signatures
• Access control logs (who, what, when, why)
• Configuration change history with rollback capability
• Incident response timelines with evidence preservation

Automated Compliance Reporting

Reduce manual compliance overhead by 80% with automated reporting:

• Real-time compliance dashboards
• Automated control testing and evidence collection
• Continuous compliance monitoring
• Regulatory change tracking and impact analysis

Implementation with CUI Labs

CUI Labs is CSA STAR Level 1 certified and has initiated ISO 27001, ISO 22301, ISO 9001, ISO 14001, and ISO 45001 certification processes. Our infrastructure is built for regulatory compliance from day one.

Compliance Features

• Forensic-grade audit trails with Merkle-anchored logs
• Automated compliance reporting for MAS TRM, MiCA, DORA, FATF, GDPR
• Control mappings across ISO 27001, NIST CSF 2.0, CIS Controls v8
• Real-time regulatory sync and policy enforcement
• Evidence-grade telemetry for auditors and regulators

Next Steps

Regulatory compliance is a journey, not a destination. Start with ISO 27001 as your foundation, then layer jurisdiction-specific requirements (MAS TRM, MiCA, DORA) on top. Contact CUI Labs for a compliance assessment and roadmap tailored to your regulatory obligations.