RC-18 · BCB Resolution No. 18

Your institution compliant with RC-18 by December 2026

Regulatory data governance required by Brazil's Central Bank (BCB). Vert delivers compliance as a natural by-product of operations — not as one more manual effort.

“Strategically speaking, RC-18 is a timely issue for banks right now.”
Dec 31, 2026 Compliance deadline
R$ 2B Maximum fine per violation
12 Mandatory quality dimensions
Requirements

What RC-18 requires of your institution

Formal quality policy

A Board-approved document with mandatory annual review. A non-delegable responsibility of the director named to the Central Bank.

Auditable semiannual report

Validation of all 12 mandatory dimensions before each filing. Evidence logs retained for at least 5 years.

End-to-end traceability

A living data dictionary and documented lineage from capture to reporting. Every data point filed with the Central Bank has to be auditable.

Automated pre-submission testing

Irregularities consolidated and action plans produced and filed with the regulator every six months.

How Vert solves it

Compliance as a by-product of operations

Instead of a manual task force every six months, compliance emerges from the way Vert structures and operates your data.

Trustworthy data at the source

Integrated ingestion and automatic validation from the moment of capture — quality assured before the data goes anywhere.

Automatic evidence

Logs, audit trails and reports generated as a by-product of operations — regulator-ready, with no extra effort.

Full traceability

A living catalog and documented lineage from capture to reporting — any data point auditable at any time.

Formalized governance

Owners, policies and workflows that protect the responsible director and uphold the Board-approved policy.

Deliverables

What you get

Documented quality policy Before Dec 31, 2026
Data dictionary + lineage Ongoing
Pre-submission test logs Every filing
Automated semiannual report Semiannual
Audit trails (5 years) Ongoing
Formal appointment of the director Before Dec 31, 2026
Timeline

From contract to compliance, in 3 phases

A structured journey to guarantee compliance by December 31, 2026.

Phase 1 30 days

Maturity assessment

  • Mapping
  • Gaps
  • Roadmap
Phase 2 90–180 days

Infrastructure implementation

  • Lakehouse
  • Catalog
  • Automation
Phase 3 by Dec 2026

Compliance and evidence

  • Report
  • Policy
  • Director
Return on compliance

Compliance that pays for itself

60–80% Less rework
Total Reuse of existing infrastructure (SCR, LGPD, Open Finance)
5 years Audit trails retained

Potential cost of non-compliance

R$ 1.6–8 million per event

+ disqualification of the responsible director. Every six months out of compliance is a new sanctionable event.

Ready to secure your compliance?

Vert handles the entire regulatory journey — from assessment to final evidence. Assessment in 30 days · compliance by Dec 2026 · full protection for the responsible director.

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