DORA: Digital Operational Resilience Act
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DORA (Digital Operational Resilience Act, Regulation (EU) 2022/2554) is the European regulation on digital operational resilience for the financial sector, in force since January 17, 2025. It requires banks, insurers, investment firms, payment institutions, and critical ICT service providers to adopt a comprehensive framework for ICT risk management, incident reporting, resilience testing, and third-party ICT risk management. Penalties can reach 1% of average daily worldwide turnover for each day of non-compliance.
Why get DORA certified
Compliance with European financial regulatory framework
DORA compliance ensures adherence to digital operational resilience obligations imposed on financial entities by the EU, avoiding penalties calculated at 1% of average daily global turnover per day of violation and potential operational restrictions.
Operational resilience against cyber threats
A structured ICT risk management framework (including advanced penetration testing - TLPT, business continuity plans, and recovery procedures) strengthens the financial organization ability to withstand, absorb, and rapidly recover from cyber incidents.
Critical ICT third-party risk management
DORA requires structured mapping and management of third-party ICT risks, including cloud providers and critical service providers. An updated register and compliant contracts protect the organization from concentration and technology dependency risks.
Structured and timely incident reporting
DORA imposes a harmonized framework for classifying and reporting significant ICT incidents to competent authorities. Structured procedures ensure compliant response times and reduce the risk of penalties for missing or late notification.
Competitive advantage in the financial sector
DORA compliance demonstrates to clients, partners, and supervisory authorities a mature approach to cybersecurity and operational resilience, strengthening the financial institution reputation and stakeholder trust in a sector where security is a differentiating factor.
Structured digital resilience testing
DORA requires advanced penetration testing (TLPT) and regular resilience testing. A structured framework ensures testing programs meet supervisory expectations and produce actionable results, reducing exposure during regulatory examinations.
How CertAI helps with DORA
DORA assessment and ICT risk gap analysis
CertAI analyzes your financial organization ICT infrastructure, security policies, third-party contracts, and incident management processes, identifying gaps against DORA requirements and classifying the digital operational resilience maturity level.
DORA documentation framework generation
AI generates DORA-required documentation: ICT risk management policies, incident reporting procedures, resilience testing plans (including TLPT scenarios), third-party ICT provider registers, and business continuity plans specific to the financial sector.
Continuous monitoring and regulatory reporting
The platform monitors DORA compliance status, prepares periodic reports for supervisory authorities, flags regulatory updates and regulatory technical standards (RTS/ITS), and supports ongoing management of the ICT provider register.
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