Operations and Compliance → Gamble Hub Compliance Framework

Gamble Hub compliance framework

1) Purpose and value

Gamble Hub is a single operational and compliance framework for work in multiple jurisdictions. It turns disparate requirements from regulators, banks, providers and advertising platforms into standardized policies, processes, automated checks and proof of compliance.

• Quickly connect new markets without violating requirements.
• Reduce operational risks (fines/blocking/chargeback/laundering).
• Make compliance reproducible: "like code," with review, tracing and audit trail.
• Reduce cost of compliance (C/Compliance) as scale grows.

2) Scope and terms

Jurisdictions: EU/EEA, UK, Eastern Europe, LatAm, some APR markets.
Domains: Licensing, KYC/AML, Responsible Gaming (RG), Advertising/Affiliates, Payments, Personal Data/Privacy (GDPR approach), Security, Game Integrity/RNG, Antifrod, Regulatory Reporting.
Artifacts: Policy, SOP/Runbook, Control, Evidence, Register, Report.

3) Framework principles

1. Policy-as-Code: rules and controls are formally described (YAML), validated in CI.
2. Evidence-by-Design-Any operation leaves proof of compliance.
3. Least Effort for Ops: compliance is sewn into food flow, minimum manual steps.
4. Risk-based: prioritization by risk (country/channel/payment method/behavior).
5. Privacy-first: data minimization, masking, role access, retention.
6. Explainable & Auditable: Each solution is explainable, journalable, and reproducible.
7. One Source of Truth: unified registries and panels; no duplicate shadow tables.

4) Gamble Hub architecture

Policies: licenses, KYC/AML, RG, advertising, payments, data, security.
Processes (SOP/Runbook): player onboarding, AML escalations, locks, returns.
Controls - automatic checks in flows (registration/deposit/withdrawal/bonus).
Data and registers (Registers): licenses/providers/affiliates/incidents/complaints/SAR.
Monitoring: compliance, alert, KPI/OKR dashboards.
Reporting: regulators/payment partners/tax/vendors.
Audit: periodic checks, tests of design/effectiveness of controls.

5) Jurisdictional matrix (sample)

6) Checkpoints by life cycle

• Age/geo/sanctions/POP, duplicate accounts, consent to data processing.
• Geo-blocking of unacceptable countries, KBA/risk verification.

• Source of funds (by triggers), RG limits/bonus rules, anti-fraud signals.
• Risk Notices: Sharp amount/frequency spikes, geo/payment mismatch.

• Re-KYC and AML triggers, map/IBAN/name matching, hold with red flags.

• Enhanced Due Diligence (EDD), origin of funds, revised every N months.

• Age and geo-restrictions of creatives, prohibition of trigger targeting of vulnerable groups, UTM registry.

• Licenses, SLAs, quotas, integrity/RNG tests, incident and interruption monitoring.

7) Policies (snippets)

• Baseline KYC for all, EDD by trigger (sum/rate/patterns/sanction/PEP).
• Auto block/escalation in MLRO when red rules are triggered.
• SAR/STR: formation/submission time, evidence formats.

• Single limits: deposit/rate/time; self-exclusion, cooling.
• RG monitoring triggers: sharp rise in frequency/amount/loss shares, nocturnal patterns.
• Outbound communications: correct vocabulary, prohibition of "pushing."

• Partner Verification (KYB), a catalog of creatives with age tags.
• Prohibition of incorrect promises of winning/" risk-free "formulations.
• UTM registry and "source of customer" for audit.

• Named methods only; funds are output to the original tool.
• Velocity-rules, 2nd factor when changing details, retention of logs.

• Data minimization, RBAC/time accesses, encryption, retention by jurisdiction.
• Data subject rights: request/fix/delete - SLA and log.

• Secrets in vault, Zero-trust network, access audit, admin activity log.
• Security incidents: classification/SLA notifications/playbooks.

8) Controls-as-Code (example)

yaml control_id: AML-TR-011 name: "Velocity: unusual deposit spikes"
scope: deposits jurisdictions: ["EU","UK","LATAM-"]
trigger:
expr: avg_over(15m, amount) > baseline_30d 3 AND count_unique(payment_method,1h)>=3 actions:
- flag: aml_review
- limit: withdrawals "hold_24h"
- notify: "team:mlro"
evidence:
store: s3://compliance-evidence/aml-tr-011/{player_id}/{ts}
fields: [player_id, amounts_1h, devices, ip_geo, payment_methods, session_ids]
owner: mlro review_sla_days: 180

yaml control_id: RG-LIM-004 name: "Daily loss limit"
scope: bets trigger: loss_today > limit_loss_daily actions:
- block: further_bets
- notify: "player:rg_message_template_7"
- log: rg_register evidence:
fields: [loss_today, limit, messages_sent, player_ack]
owner: rg_officer

9) Registers and evidence base

License Register: number/term/country/brand/terms.
Provider Register: audit statuses, incidents, quotas, SLAs, contacts.
Affiliate Register: contracts, UTM pools, KYB checks, violations.
Incident & Breach Register: tip/vliyaniye/SLA/uvedomleniya/postmortemy.
SAR/STR Register: dates, reasons, materials, outcome.
Complaints Register: player complaints/responses/deadlines/decisions.

All registers - in a single storage with versions, access by role, export for audit.

10) Monitoring and compliance alerts

• Compliance Overview: violations by domain, trends, top risks.
• AML/RG Watch: returns/chargeback, velocity, self-exclusion/limits.
• Privacy & Access: PII accesses, abnormal samples, retention period.
• Providers & Ads: provider incidents, quality of affiliate traffic.

• RG: "3 warnings for 24 hours without confirmation by the player" → bonus pause.
• AML: "input with different cards + output to a new method" → hold/EDD.
• Privacy: "bulk-export of personal data" → instant escalation of DPO.

11) Processes and SOPs

SOP: Suspected AML → SAR

1. Automatic AML control → case in AML workflow.
2. Evidence collection (auto) → officer check.
3. Resolution: SAR/hold/rejection → log/notifications/deadlines.

SOP: RG self-exclusion

1. Confirm your identity → immediately block the product.
2. Synchronization with country registers (if applicable).
3. Communication and event retention, removal after the cooling period.

SOP: Inclusion of a new country

1. Legal analysis and license → mapping requirements in Policies.
2. Localization KYC/Privacy/Advertising/taxes → test bench.
3. Battle-test controls → pilot 1-5% of traffic → report and start.

12) Roles and RACI

13) Documentation as code

Repository 'compliance-hub/' with folders:' policies/', 'controls/',' sop/', 'registers/',' templates/'.
CI validation: mandatory fields ('owner/version/jurisdiction/review _ sla _ days'), YAML/Markdown linters.
Auto-publish to portal, changelog and revision reminders (SLA 180 days).

14) Compliance KPI/OKR

• KYC Time-to-Verify (median), EDD Turnaround, SAR SLA.
• RG Interventions, Chargeback Rate.
• Affiliate Violation Rate, Provider Incident MTTR.

• Coverage of critical flow ≥ 95%.
• False Positive Rate by AML/RG ↓ QoQ
• Control Drift = 0.

• Audit Findings Resolved ≤ 90 дней, Evidence Completeness ≥ 98%.
• Privacy Violations = 0.

15) Checklists

• License/authorization and local restrictions (age/works/geo).
• KYC/AML/RG/Privacy/Policies mapping.
• Providers/payments (limits/quotas/availability).
• Reporting (formats/frequencies), test upload.
• Support training and localized message templates.

• RFC/PR includes impact rating (KYC/RG/Privacy/Advertising).
• Controls updated, tests in CI passed.
• Logs/evidences are connected.
• Rollback plan and communications are ready.

• CLC/sanctions/beneficiaries.
• Contract/Creative Rules/UTM Pools.
• SLA/OLA and Incident Process.
• Periodic audit.

16) Templates

yaml policy_id: RG-POL-001 title: "Responsible Gaming — Limits & Exclusions"
jurisdictions: ["EU-","UK","LATAM-CL"]
owner: head_of_compliance version: "1. 6"
last_review: "2025-09-20"
next_review_due_days: 180 references: ["SOP-RG-EXC-002","CTRL:RG-LIM-004"]

SOP: AML EDD Review
Scope: Deposits > threshold, red flags
Steps: collection of evidence → request for documents → decision → SAR/hold/decline
DoD: solution and evidence in registry, notifications sent
SLA: EDD ≤ 48h, SAR filed ≤ X days
Owners: MLRO, AML Ops

Period: YYYY-MM
Metrics: active players, deposits/conclusions, RG cases, complaints
AML: SARs filed N, rejected M, average TAT
Incidents: Impact/Measures/Notifications
Signatures: MLRO/DPO/Head of Compliance

17) Implementation plan 30/60/90

• Create a 'compliance-hub/' repository and basic Policies (KYC/AML, RG, Privacy, Ads, Payments).
• Digitize top controls (registration, deposit, withdrawal, bonuses) as Controls-as-Code.
• Run registers: licenses, providers, SAR, incidents.
• Raise the Compliance Overview panel; agree on KPIs.

• Integrate controls into product flow (web/mobile/CRM/payments).
• Implement Evidence-by-Design (auto-assembly and storage).
• Set up reporting for 2-3 key jurisdictions; automate uploads.
• Conduct trainings (AML/RG/Privacy) and "compliance clinics."

• Audit of the design and effectiveness of controls; close findings.
• Reduce False-Positive AML ≥ 20% without losing Recall.
• Normalize the processes of providers/affiliates; quarterly reviews.
• Include compliance KPIs in OKRs of product/operational teams.

18) Anti-patterns

"Compliance as manual checklists" without integration into flow.
Two versions of the truth: reports in Excel + separate logs.
There is no evidence base (evidence) and retention.
Policies without revision, outdated limits and links.
Blind monolithic filtration (sea false-positive).
Lack of control over advertising/affiliates → regulatory sanctions.

19) FAQ

Q: How to avoid "braking" the product with compliance?
A: Controls to sew into UX (microdoses), risk-based routes, reversible checks and asynchronous confirmations.

Q: What to do when local norms conflict?
A: Country-specific configuration of Policies, priority of stricter rule.

Q: How do you scale to new markets?
A: New Country Template: Legal Mapping → Policy/Controls Configuration → Tests → Pilot → Reporting.