┌─────────────────────────────────────────────────────────────────────────────┐
│                    COMPLIANCE STRATEGY FRAMEWORK                          │
├─────────────────────────────────────────────────────────────────────────────┤
│                                                                             │
│  ┌──────────────────────────────────────────────────────────────────────┐   │
│  │                    VISION & MISSION                                 │   │
│  │  What we want to achieve and why                                    │   │
│  └──────────────────────────────────────────────────────────────────────┘   │
│                                    │                                        │
│                                    v                                        │
│  ┌──────────────────────────────────────────────────────────────────────┐   │
│  │                    REGULATORY MAPPING                               │   │
│  │  Identify applicable regulations                                   │   │
│  └──────────────────────────────────────────────────────────────────────┘   │
│                                    │                                        │
│                                    v                                        │
│  ┌──────────────────────────────────────────────────────────────────────┐   │
│  │                    RISK ASSESSMENT                                  │   │
│  │  Assess compliance risks                                            │   │
│  └──────────────────────────────────────────────────────────────────────┘   │
│                                    │                                        │
│                                    v                                        │
│  ┌──────────────────────────────────────────────────────────────────────┐   │
│  │                    CONTROLS & PROCESSES                             │   │
│  │  Implement compliance controls and processes                        │   │
│  └──────────────────────────────────────────────────────────────────────┘   │
│                                    │                                        │
│                                    v                                        │
│  ┌──────────────────────────────────────────────────────────────────────┐   │
│  │                    TECHNOLOGY                                      │   │
│  │  Leverage RegTech for compliance                                   │   │
│  └──────────────────────────────────────────────────────────────────────┘   │
│                                    │                                        │
│                                    v                                        │
│  ┌──────────────────────────────────────────────────────────────────────┐   │
│  │                    CULTURE & TALENT                                 │   │
│  │  Build compliance culture and capabilities                          │   │
│  └──────────────────────────────────────────────────────────────────────┘   │
│                                    │                                        │
│                                    v                                        │
│  ┌──────────────────────────────────────────────────────────────────────┐   │
│  │                    MONITORING & REPORTING                           │   │
│  │  Monitor compliance, report to stakeholders                        │   │
│  └──────────────────────────────────────────────────────────────────────┘   │
│                                                                             │
└─────────────────────────────────────────────────────────────────────────────┘

┌─────────────────────────────────────────────────────────────────────────────┐
│                    COMPLIANCE FUNCTION STRUCTURE                          │
├─────────────────────────────────────────────────────────────────────────────┤
│                                                                             │
│  ┌──────────────────────────────────────────────────────────────────────┐   │
│  │                    CHIEF COMPLIANCE OFFICER (CCO)                   │   │
│  └──────────────────────────────────────────────────────────────────────┘   │
│                                    │                                        │
│  ┌──────────────────────────────────────────────────────────────────────┐   │
│  │                    DEPUTY CCO / HEAD OF COMPLIANCE                  │   │
│  └──────────────────────────────────────────────────────────────────────┘   │
│                                    │                                        │
│  ┌──────────┬──────────┬──────────┬──────────┬──────────┐                │
│  │ Regulatory│  AML/   │  Data   │ Consumer │  Training│                │
│  │  Advisory │  KYC    │  Privacy │Protection│  &       │                │
│  │           │  Compliance│        │          │  Culture │                │
│  └──────────┴──────────┴──────────┴──────────┴──────────┘                │
│                                    │                                        │
│  ┌──────────────────────────────────────────────────────────────────────┐   │
│  │                    REGIONAL COMPLIANCE TEAMS                        │   │
│  │  (US, EU, UK, Asia, etc.)                                         │   │
│  └──────────────────────────────────────────────────────────────────────┘   │
│                                                                             │
└─────────────────────────────────────────────────────────────────────────────┘

# ===================================================================
# MODULE 6, LESSON 8: COMPLIANCE STRATEGY AND LEADERSHIP
# ===================================================================

import pandas as pd
import numpy as np
import matplotlib.pyplot as plt
import seaborn as sns
from datetime import datetime, timedelta
import warnings
warnings.filterwarnings('ignore')

print("="*70)
print("COMPLIANCE STRATEGY AND LEADERSHIP")
print("="*70)

# ----------------------------------------------------------------
# PART A: COMPLIANCE MATURITY ASSESSMENT
# ----------------------------------------------------------------

print("\n" + "-"*60)
print("PART A: Compliance Maturity Assessment")
print("-"*60)

maturity_dimensions = {
    'Strategy & Governance': {'Current Score': 3, 'Target Score': 5, 'Priority': 'High'},
    'Regulatory Mapping': {'Current Score': 3, 'Target Score': 5, 'Priority': 'High'},
    'Risk Assessment': {'Current Score': 3, 'Target Score': 5, 'Priority': 'High'},
    'Controls & Processes': {'Current Score': 3, 'Target Score': 5, 'Priority': 'High'},
    'Technology (RegTech)': {'Current Score': 2, 'Target Score': 5, 'Priority': 'High'},
    'Culture & Talent': {'Current Score': 3, 'Target Score': 5, 'Priority': 'High'},
    'Monitoring & Reporting': {'Current Score': 3, 'Target Score': 5, 'Priority': 'High'},
    'Regulatory Engagement': {'Current Score': 3, 'Target Score': 5, 'Priority': 'High'}
}

maturity_df = pd.DataFrame(maturity_dimensions).T
print("Compliance Maturity Assessment:")
print(maturity_df)

# Visualise
fig, ax = plt.subplots(figsize=(10, 6))
dimensions = list(maturity_df.index)
current = maturity_df['Current Score'].tolist()
target = maturity_df['Target Score'].tolist()

x = np.arange(len(dimensions))
width = 0.35

ax.barh(x - width/2, current, width, label='Current', color='blue', alpha=0.7)
ax.barh(x + width/2, target, width, label='Target', color='green', alpha=0.7)

ax.set_yticks(x)
ax.set_yticklabels(dimensions)
ax.set_xlabel('Maturity Score (1-5)')
ax.set_title('Compliance Maturity Assessment')
ax.legend()
ax.grid(True, alpha=0.3, axis='x')

plt.tight_layout()
plt.savefig('compliance_maturity.png', dpi=300, bbox_inches='tight')
plt.show()
print("Compliance maturity visualisation saved as 'compliance_maturity.png'")

# ----------------------------------------------------------------
# PART B: COMPLIANCE STRATEGY PLANNING
# ----------------------------------------------------------------

print("\n" + "-"*60)
print("PART B: Compliance Strategy Planning")
print("-"*60)

strategy_plan = {
    "Vision": "To be a trusted financial institution with a culture of compliance and integrity.",
    "Mission": "To ensure regulatory compliance, protect customers, and build trust through effective compliance management.",
    "Objectives": [
        "Achieve 100% regulatory compliance.",
        "Build a strong compliance culture.",
        "Leverage RegTech for efficiency.",
        "Enhance regulatory engagement.",
        "Reduce compliance incidents to zero."
    ],
    "Initiatives": [
        "Implement RegTech solutions for compliance monitoring.",
        "Develop compliance training programme.",
        "Establish compliance dashboards.",
        "Engage with regulators proactively.",
        "Build compliance culture programme."
    ],
    "Key Metrics": [
        "Compliance Rate: > 95%",
        "Regulatory Incidents: 0",
        "Compliance Culture Score: > 4.5",
        "RegTech Adoption: > 80%",
        "Training Completion: > 95%"
    ]
}

print("Compliance Strategy Plan:")
for key, value in strategy_plan.items():
    print(f"\n{key}:")
    if isinstance(value, list):
        for item in value:
            print(f"  • {item}")
    else:
        print(f"  {value}")

# ----------------------------------------------------------------
# PART C: COMPLIANCE FUNCTION STRUCTURE
# ----------------------------------------------------------------

print("\n" + "-"*60)
print("PART C: Compliance Function Structure")
print("-"*60)

compliance_structure = {
    "Chief Compliance Officer (CCO)": {
        "Reports To": "Board of Directors",
        "Responsibilities": [
            "Strategic compliance leadership",
            "Regulatory engagement",
            "Compliance risk management",
            "Culture building"
        ]
    },
    "Deputy CCO / Head of Compliance": {
        "Reports To": "CCO",
        "Responsibilities": [
            "Compliance operations",
            "Team management",
            "Policy development",
            "Compliance reporting"
        ]
    },
    "Regulatory Advisory": {
        "Reports To": "Head of Compliance",
        "Responsibilities": [
            "Regulatory interpretation",
            "Advisory services",
            "Regulatory change management"
        ]
    },
    "AML/KYC Compliance": {
        "Reports To": "Head of Compliance",
        "Responsibilities": [
            "AML/KYC compliance",
            "Transaction monitoring",
            "Sanctions screening",
            "SAR reporting"
        ]
    },
    "Data Privacy": {
        "Reports To": "Head of Compliance",
        "Responsibilities": [
            "GDPR/CCPA compliance",
            "Data protection",
            "Privacy impact assessments"
        ]
    },
    "Consumer Protection": {
        "Reports To": "Head of Compliance",
        "Responsibilities": [
            "Fair lending compliance",
            "Complaint management",
            "Consumer protection"
        ]
    },
    "Training & Culture": {
        "Reports To": "Head of Compliance",
        "Responsibilities": [
            "Compliance training",
            "Culture building",
            "Communication"
        ]
    },
    "Regional Compliance Teams": {
        "Reports To": "Head of Compliance",
        "Responsibilities": [
            "Regional compliance",
            "Local regulatory engagement",
            "Regional reporting"
        ]
    }
}

print("Compliance Function Structure:")
for role, details in compliance_structure.items():
    print(f"\n{role}:")
    print(f"  Reports To: {details['Reports To']}")
    print("  Responsibilities:")
    for resp in details['Responsibilities']:
        print(f"    • {resp}")

# ----------------------------------------------------------------
# PART D: COMPLIANCE RISK REGISTER
# ----------------------------------------------------------------

print("\n" + "-"*60)
print("PART D: Compliance Risk Register")
print("-"*60)

compliance_risks = pd.DataFrame({
    'Risk': [
        'Regulatory Non-Compliance',
        'Data Breach',
        'AML/KYC Violation',
        'Fair Lending Violation',
        'Consumer Protection Breach',
        'Regulatory Penalties',
        'Reputational Damage',
        'Third-Party Compliance Failure'
    ],
    'Likelihood (1-5)': [3, 3, 2, 2, 3, 2, 4, 3],
    'Impact (1-5)': [5, 5, 5, 4, 4, 5, 5, 4],
    'Risk Score': [15, 15, 10, 8, 12, 10, 20, 12],
    'Mitigation': [
        'Compliance programme, monitoring',
        'Data protection controls, encryption',
        'AML/KYC programme, monitoring',
        'Fair lending testing, training',
        'Consumer protection programme',
        'Compliance culture, controls',
        'Transparency, communication',
        'Third-party management, due diligence'
    ]
})

print("Compliance Risk Register:")
print(compliance_risks.to_string(index=False))

# ----------------------------------------------------------------
# PART E: COMPLIANCE METRICS DASHBOARD
# ----------------------------------------------------------------

print("\n" + "-"*60)
print("PART E: Compliance Metrics Dashboard")
print("-"*60)

compliance_metrics = pd.DataFrame({
    'Metric': [
        'Compliance Rate',
        'Regulatory Incidents',
        'Audit Findings',
        'Training Completion',
        'Compliance Culture Score',
        'RegTech Adoption',
        'Report Timeliness',
        'Regulatory Engagement Score'
    ],
    'Current Value': [
        '85%',
        '4/year',
        '12/year',
        '72%',
        '3.6/5',
        '45%',
        '88%',
        '3.2/5'
    ],
    'Target Value': [
        '> 95%',
        '0/year',
        '< 5/year',
        '> 95%',
        '> 4.5/5',
        '> 80%',
        '> 98%',
        '> 4.5/5'
    ],
    'Status': ['🟡', '🟡', '🟡', '🔴', '🟡', '🔴', '🟡', '🟡']
})

print("Compliance Metrics Dashboard:")
print(compliance_metrics.to_string(index=False))

# ----------------------------------------------------------------
# PART F: REGULATORY ENGAGEMENT PLAN
# ----------------------------------------------------------------

print("\n" + "-"*60)
print("PART F: Regulatory Engagement Plan")
print("-"*60)

regulatory_engagement = {
    "Quarterly Meetings": {
        "Frequency": "Quarterly",
        "Purpose": "Discuss compliance status, issues, and updates.",
        "Participants": ["CCO", "Head of Compliance", "Regulators"],
        "Agenda": [
            "Compliance performance review",
            "Regulatory updates",
            "Issue resolution",
            "Future plans"
        ]
    },
    "Regulatory Reporting": {
        "Frequency": "As required",
        "Purpose": "Submit regulatory reports.",
        "Participants": ["Compliance Team", "Finance", "Risk"],
        "Reports": [
            "Basel III reports",
            "AML/SAR reports",
            "GDPR breach reports",
            "Fair lending reports"
        ]
    },
    "Regulatory Audits": {
        "Frequency": "As required",
        "Purpose": "Participate in regulatory audits.",
        "Participants": ["CCO", "Compliance Team", "Internal Audit"],
        "Activities": [
            "Audit preparation",
            "Evidence gathering",
            "Audit response",
            "Remediation"
        ]
    },
    "Industry Working Groups": {
        "Frequency": "Ongoing",
        "Purpose": "Participate in industry working groups.",
        "Participants": ["Compliance Team", "Industry Peers"],
        "Activities": [
            "Industry collaboration",
            "Best practice sharing",
            "Regulatory consultation responses"
        ]
    }
}

print("Regulatory Engagement Plan:")
for activity, details in regulatory_engagement.items():
    print(f"\n{activity}:")
    print(f"  Frequency: {details['Frequency']}")
    print(f"  Purpose: {details['Purpose']}")
    print(f"  Participants: {', '.join(details['Participants'])}")
    if 'Agenda' in details:
        print("  Agenda:")
        for item in details['Agenda']:
            print(f"    • {item}")
    if 'Reports' in details:
        print("  Reports:")
        for report in details['Reports']:
            print(f"    • {report}")
    if 'Activities' in details:
        print("  Activities:")
        for activity_item in details['Activities']:
            print(f"    • {activity_item}")

# ----------------------------------------------------------------
# PART G: COMPLIANCE ROADMAP
# ----------------------------------------------------------------

print("\n" + "-"*60)
print("PART G: Compliance Roadmap")
print("-"*60)

roadmap = {
    "Phase 1 (0-6 months) – Foundation": {
        "Focus": "Build compliance foundation.",
        "Activities": [
            "Assess compliance maturity.",
            "Develop compliance strategy.",
            "Establish compliance function.",
            "Implement basic compliance controls."
        ],
        "Success Metrics": ["Compliance rate > 85%", "Compliance function established"]
    },
    "Phase 2 (6-12 months) – Scale": {
        "Focus": "Scale compliance capabilities.",
        "Activities": [
            "Implement RegTech solutions.",
            "Enhance compliance monitoring.",
            "Develop training programmes.",
            "Build compliance culture."
        ],
        "Success Metrics": ["Compliance rate > 90%", "RegTech adoption > 60%"]
    },
    "Phase 3 (12-24 months) – Advanced": {
        "Focus": "Advanced compliance capabilities.",
        "Activities": [
            "Implement AI-powered compliance.",
            "Deploy predictive compliance analytics.",
            "Build compliance dashboards.",
            "Achieve regulatory excellence."
        ],
        "Success Metrics": ["Compliance rate > 95%", "Regulatory incidents = 0"]
    },
    "Phase 4 (24+ months) – Leadership": {
        "Focus": "Industry-leading compliance.",
        "Activities": [
            "Implement autonomous compliance.",
            "Build predictive regulatory intelligence.",
            "Achieve industry leadership.",
            "Establish compliance culture."
        ],
        "Success Metrics": ["Industry-leading compliance", "Continuous improvement"]
    }
}

for phase, details in roadmap.items():
    print(f"\n{phase}:")
    print(f"  Focus: {details['Focus']}")
    print("  Activities:")
    for activity in details['Activities']:
        print(f"    • {activity}")
    print("  Success Metrics:")
    for metric in details['Success Metrics']:
        print(f"    • {metric}")

# ----------------------------------------------------------------
# PART H: COMPLIANCE LEADERSHIP CHECKLIST
# ----------------------------------------------------------------

print("\n" + "-"*60)
print("PART H: Compliance Leadership Checklist")
print("-"*60)

leadership_checklist = [
    "✅ Set clear compliance vision and strategy.",
    "✅ Establish compliance function and structure.",
    "✅ Appoint Chief Compliance Officer.",
    "✅ Engage with board and regulators.",
    "✅ Build a compliance culture.",
    "✅ Implement compliance training programmes.",
    "✅ Leverage RegTech for efficiency.",
    "✅ Monitor and report compliance performance.",
    "✅ Continuously improve compliance capabilities.",
    "✅ Lead by example."
]

print("Compliance Leadership Checklist:")
for item in leadership_checklist:
    print(f"  {item}")

# ----------------------------------------------------------------
# PART I: SUMMARY AND RECOMMENDATIONS
# ----------------------------------------------------------------

print("\n" + "="*70)
print("PART I: Summary and Recommendations")
print("="*70)

print("""
Compliance Strategy and Leadership – Key Takeaways:

1. Compliance strategy aligns compliance with business objectives and regulatory requirements.
2. Key components: vision, regulatory mapping, risk assessment, controls, technology, culture, monitoring.
3. Leadership role: CCO drives strategic compliance, regulatory engagement, and culture building.
4. Governance structure: Board oversight, compliance function, three lines of defence.
5. Regulatory engagement: proactive, transparent, responsive, cooperative, accountable.
6. Key metrics: compliance rate, regulatory incidents, audit findings, training completion, culture score.
7. Roadmap: foundation → scale → advanced → leadership.

Recommendations:
  - Develop a clear compliance vision and strategy.
  - Establish a strong compliance function.
  - Build a compliance culture from the top.
  - Leverage RegTech for efficiency.
  - Engage proactively with regulators.
  - Monitor and report compliance performance.
  - Continuously improve compliance capabilities.
""")

print("="*70)
print("END OF LESSON 8 – MODULE 6")
print("="*70)
print("END OF MODULE 6")
print("="*70)