MAS Technology Risk Management · Structured Regulatory Data

MAS Technology Risk Management, as Data You Can Cite.

380 obligations from the MAS Technology Risk Management (TRM) Guidelines and the binding Cyber Hygiene and Outsourcing Notices, each quoted verbatim with a legal citation. Ready for your controls, your audits, and your AI.

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380 Obligations3 MAS InstrumentsExcel + JSON + CSVByte-Exact + Cited
GuidanceMAS TRM
MAS.TRM.2021.Sec7.2.1.p23.OBL1
Summary

The FI should implement a configuration management process to maintain accurate information of its hardware and software in order to have visibility and effective control of its IT systems.

VerbatimSHOULDrecommendation
The FI should implement a configuration management process to maintain accurate information of its hardware and software to have visibility and effective control of its IT systems.

MAS TRM Guidelines, Section 7.2.1, p. 23 (2021)

ActorFI
ActionImplement a configuration management process to maintain accurate hardware and software information
ObjectHardware and software configuration information
Tagsit-service-managementconfiguration-management
IT Service Management · Configuration Management · p.23medium severitysupervisory sanction

Non-adherence may attract MAS supervisory action; the TRM Guidelines set out the standards MAS expects financial institutions to meet.

Source · Technology Risk Management GuidelinesRegulator PDF ↗

One record from the free sample · The full register carries 380

380Structured ObligationsEach cited and decomposed
3MAS InstrumentsTRM plus two Notices
5Structured LayersVerbatim, Normalized, Parsed, Context, Semantic
3FormatsExcel, JSON, and CSV
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Six Months of Work, in Sixty Seconds.

Every one of the 380 MAS obligations, already found, quoted word for word, decomposed, and cited. We did the reading, the rekeying, and the review, so you skip straight to building.

§ 3.1.2 · p.7
Verbatim · Cited
§ 7.2.1 · p.23
Verbatim · Cited
§ 7.7.4 · p.26
Verbatim · Cited
¶ 4.1 · p.3
Verbatim · Cited
¶ 10.2(a) · p.13
Verbatim · Cited
¶ 12.4 · p.15
Verbatim · Cited
ANNEX-B · p.55
Verbatim · Cited
§ 3.1.2 · p.7
Verbatim · Cited
§ 7.2.1 · p.23
Verbatim · Cited
§ 7.7.4 · p.26
Verbatim · Cited
¶ 4.1 · p.3
Verbatim · Cited
§ 3.1.2 · p.7
Verbatim · Cited
§ 7.2.1 · p.23
Verbatim · Cited
§ 7.7.4 · p.26
Verbatim · Cited
¶ 4.1 · p.3
Verbatim · Cited
¶ 10.2(a) · p.13
Verbatim · Cited
¶ 12.4 · p.15
Verbatim · Cited
ANNEX-B · p.55
Verbatim · Cited
§ 3.1.2 · p.7
Verbatim · Cited
§ 7.2.1 · p.23
Verbatim · Cited
§ 7.7.4 · p.26
Verbatim · Cited
¶ 4.1 · p.3
Verbatim · Cited

Every page of the rulebook, read and structured for you

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Every obligation found, quoted word for word, normalized, and tied to its source. Your team starts from finished work, not a blank register.

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What Is Inside

The Whole MAS Technology and Outsourcing Perimeter.

Three instruments, one register. Guidance is labelled as guidance and binding Notices as binding, so you always know the force of a duty.

Guidance2021 · pp. 7 to 56

MAS Technology Risk Management (TRM) Guidelines

Every technology-risk duty MAS expects financial institutions to meet, from board oversight to cryptography and IT resilience.

331obligations
Binding Notice2023 · pp. 5 to 18

MAS Notice 658, Outsourcing (Outsourced Relevant Services)

Binding requirements on how banks manage, terminate, and stay accountable for outsourced relevant services.

40obligations
Binding Notice2024 · pp. 3 to 4

MAS Notice FSM-N06, Cyber Hygiene

The six baseline cyber-hygiene controls MAS makes legally binding on relevant entities.

9obligations
Real Records

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Real records pulled straight from the dataset. A plain-language summary, the regulator's exact words, a citation, and the parsed duty on every one.

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MAS.OUT.2023.Sec12.4.p15.OBL1

p.15
Requirements Relating to Outsourced Relevant Services That Involve the Disclosure of Customer InformationMUSThigh priority

MAS Outsourcing Notice

Source TextVerbatim · Binding
A bank in Singapore must document the due diligence checks required under paragraphs 12.2 and 12.3 and furnish the documentation to the Authority upon request.
In Plain Language

Document the customer-information due diligence and provide it to MAS on request.

In the Documentp.15

The clauses around this duty, as written in the source

Notice 658 Management of Outsourced Relevant Services › 12 Requirements relating to Outsourced Relevant Services that involve the Disclosure of Customer Information › 12.4

12.3

A bank in Singapore must satisfy itself, on an ongoing basis, of the service provider’s ability to safeguard the confidentiality and integrity of customer information disclosed to, or accessed, collected, copied, modified, used, stored or processed by, the service provider.

12.4

A bank in Singapore must document the due diligence checks required under paragraphs 12.2 and 12.3 and furnish the documentation to the Authority upon request.

12.5

Notwithstanding paragraphs 12.2 and 12.3, a bank in Singapore may rely on a third party to perform the due diligence checks required under paragraphs 12.2 and 12.3 if the bank is satisfied that the third party it intends to rely on is able to perform the due diligence checks.

Parsed Duty
ActorA bank in Singapore
ActionDocument the due diligence checks and furnish the documentation to the Authority on request
ObjectDocumentation of customer-information due diligence
Structured FieldsDeontic · obligation

Deontic

obligation

Type

Process

Strength

Mandatory

Frequency

Ongoing

Status

In Force

Sanction

supervisory

Marker

12.4

Amendment

New · First Edition

Cross-References¶12.2
due-diligencecustomer-information

MAS Notice 658 (Outsourced Relevant Services), paragraph 12.4, p. 15 (2023)

Consequence. Non-compliance with this Notice may attract MAS supervisory and enforcement action; a MAS notice imposes legally binding requirements on the relevant entities.

Source · Notice 658 Management of Outsourced Relevant ServicesRegulator PDF ↗

MAS.TRM.2021.Sec6.1.1.p19.OBL1

p.19
Software Application Development and Management · Secure Coding, Source Code Review and Application Security TestingSHOULDmedium priority

MAS TRM

Source TextVerbatim · Guidance
To minimise the bugs and vulnerabilities in its software, the FI should adopt standards on secure coding, source code review and application security testing.
In Plain Language

The FI should adopt standards on secure coding, source code review and application security testing to minimise bugs and vulnerabilities in its software.

In the Documentp.19

The clauses around this duty, as written in the source

Technology Risk Management Guidelines › 6 Software Application Development and Management › 6.1 Secure Coding, Source Code Review and Application Security Testing › 6.1.1

6.1.1

To minimise the bugs and vulnerabilities in its software, the FI should adopt standards on secure coding, source code review and application security testing.

6.1.2

The secure coding and source code review standards should cover areas such as secure programming practices, input validation, output encoding, access controls, authentication, cryptographic practices, and error and exception handling.

Parsed Duty
ActorFI
ActionAdopt standards on secure coding, source code review, and application security testing
ObjectSecure coding, source code review, and application security testing standards
Structured FieldsDeontic · recommendation

Deontic

recommendation

Type

Process

Strength

Recommended

Frequency

Ongoing

Status

In Force

Sanction

supervisory

Marker

6.1.1

Amendment

New · First Edition

software-developmentsecure-coding

MAS TRM Guidelines, Section 6.1.1, p. 19 (2021)

Consequence. Non-adherence may attract MAS supervisory action; the TRM Guidelines set out the standards MAS expects financial institutions to meet.

Source · Technology Risk Management GuidelinesRegulator PDF ↗

Each card shows the key fields for readability. Every delivered record carries the complete five-layer schema.

The Evidence Chain
Pending MAS Approval

When the Examiner Asks, Show Them the Page.

A structured record is a claim. The evidence capture is the proof. It shows the source page with the duty highlighted, stamped with the obligation ID, document, page, capture time, and source URL. When an auditor asks where a requirement came from, you hand them the page.

Evidence capture for MAS.CH.2024.Sec4.1.p3.OBL1: the source page with the obligation highlighted and the verification footer
Cyber Hygiene · BindingMAS.CH.2024.Sec4.1.p3.OBL1Notice FSM-N06, paragraph 4.1, p. 3
Evidence capture for MAS.TRM.2021.Sec7.2.1.p23.OBL1: the source page with the obligation highlighted and the verification footer
TRM · GuidanceMAS.TRM.2021.Sec7.2.1.p23.OBL1TRM Guidelines, Section 7.2.1, p. 23

Shown here as an on-page preview of the evidence layer. MAS packages currently ship without the capture image files while MAS approval to redistribute reproductions of MAS documents is pending. Every record still carries its full citation and official source link, and captures join the packages the moment approval lands.

ProfytAI Regulatory Intelligence

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One Record From the Dataset

SHOULDGuidanceMAS TRMMAS.TRM.2021.Sec3.1.2.p7.OBL1
Section 3.1.2Page 7

Verbatim

Both the board of directors and senior management should have members with the knowledge to understand and manage technology risks, which include risks posed by cyber threats.

ProfytAI Regulatory Intelligence

The board and senior management should include members who are capable of understanding and managing technology risk, including cyber threat risk. MAS expects technology-literate leadership at the top of the institution.

Requirement Type

Requirement

Relationship

One of the sequential governance expectations in section 3.1 on the role of the board and senior management, sitting between the general reliance-on-technology premise (3.1.1) and the appointment of accountable technology officers (3.1.3).

Why This Exists

MAS expects technology risk to be governed at the top of the institution; without technology-literate leadership, board oversight of IT and cyber risk is nominal rather than effective.

Implementation Considerations

Typically evidenced through board composition and skills matrices, technology-risk training records, and recruitment or advisory arrangements that add technology expertise to the board.

Interpretation Note · This is TRM guidance (SHOULD), not a binding notice requirement; it addresses collective competence of the board and senior management, not a named individual.

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AI Policy Statements
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ProfytAI Dataset · Policy Statement Record

DraftedAI Policy StatementMAS.TRM.2021.Sec3.OBL.GRP.01

Policy Statement

Both the Board of Directors and senior management include members with the knowledge to understand and manage technology risks, including risks posed by cyber threats. The Board of Directors and senior management ensure the appointment of a Chief Information Officer, Chief Technology Officer, or Head of IT, together with a Chief Information Security Officer or Head of Information Security, each possessing the requisite expertise and experience, and these appointments are minimally approved by the Chief Executive Officer. The Board of Directors and senior management ensure that a technology risk management strategy is established and implemented, and that key IT decisions are made consistent with the Bank's risk appetite. Given that technology underpins many of the Bank's operations and services, the Board of Directors and senior management set the tone from the top and cultivate a strong culture of technology risk awareness and management at all levels of staff within the Bank.

Covers

MAS.TRM.2021.Sec3.1.2.p7.OBL1MAS.TRM.2021.Sec3.1.3.p7.OBL1MAS.TRM.2021.Sec3.1.3.p7.OBL2MAS.TRM.2021.Sec3.1.4.p7.OBL1MAS.TRM.2021.Sec3.1.5.p7.OBL1MAS.TRM.2021.Sec3.1.6.p7.OBL1

Source · Technology Risk Management Guidelines, 2021, 3.1.2.p7 (Technology Risk Governance and Oversight), p.7

Your Bank Policy Document

Profyt BankTechnology Risk Management Policy

3. Technology Risk Governance and Oversight

Both the Board of Directors and senior management include members with the knowledge to understand and manage technology risks, including risks posed by cyber threats. The Board of Directors and senior management ensure the appointment of a Chief Information Officer, Chief Technology Officer, or Head of IT, together with a Chief Information Security Officer or Head of Information Security, each possessing the requisite expertise and experience, and these appointments are minimally approved by the Chief Executive Officer. The Board of Directors and senior management ensure that a technology risk management strategy is established and implemented, and that key IT decisions are made consistent with the Bank's risk appetite. Given that technology underpins many of the Bank's operations and services, the Board of Directors and senior management set the tone from the top and cultivate a strong culture of technology risk awareness and management at all levels of staff within the Bank.

Inserted
Profyt Bank, Inc. · ConfidentialPage 7 of 31

Illustration · Profyt Bank Is Our Synthetic Demonstration Institution

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Cyber Hygiene Bundle Pack

Knowing the Rule Is Half the Job. This Pack Does the Other Half.

A register tells you the rule. It never tells you the control that answers it, the evidence to keep, or the test an examiner runs. This pack turns every binding Cyber Hygiene rule into a control, cross-walked to NIST, with the proof and the audit built in.

Fig. 01 · One Control of the Twelve in the Pack

01 / 12 ControlsSecured
MandatoryAdministrative Accounts
MAS.CH.2024.Sec4.1.p3.OBL1

The Requirement

A relevant entity must ensure that every administrative account in respect of any operating system, database, application, security appliance or network device, is secured to prevent any unauthorised access to or use of such account.

Source · MAS Notice FSM-N06 (Cyber Hygiene), paragraph 4.1, p. 3 (2024)

Mapped Control

AC-2 · Account Management

Suggested Owner

Head of IAM

Test Frequency

Semi-annually

Implementation Guidance

Operate a full lifecycle for administrative accounts on every operating system, database, application, security appliance and network device (MAS Notice FSM-N06 paragraph 4.1): defined account types, named approvers for creation, prompt disablement on role change or exit, and periodic recertification. + individual assignment, no shared admin credentials, alerting on out-of-workflow elevation

Evidence · With Pass Criteria

EV-01

Administrative-account register per platform, reconciled to the approved-account workflowQuarterly

Pass · Every administrative account traces to an approved request and a current, accountable owner

EV-02

Access recertification records for administrative accountsSemi-annually

Pass · 100% of administrative accounts recertified; revocations executed within policy timelines

+ 1 more, leaver and mover reconciliation

NIST SP 800-53 Reference

a. Define and document the types of accounts allowed and specifically prohibited for use within the system;

b. Assign account managers;

c. Require [Assignment: prerequisites and criteria] for group and role membership;

+ 9 more clauses, d through l, plus the full SP 800-53A assessment procedure

One Record from the Implementation Pack · Status Approved

The Register, Included

The nine binding Cyber Hygiene obligations, structured and cited, bundled in with the controls that satisfy them.

Cross-Walked to NIST

Every control maps to NIST SP 800-53 and inherits its verbatim control text and the 800-53A assessment procedure an auditor runs.

Proof, Pre-Built

Every control names the evidence to keep, with a collection frequency and a pass criterion on each item.

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Each control ships with the exact test an examiner runs, so you self-test first and hand over the same procedure.

The Cyber Hygiene register and its implementation layer, cross-walked to NIST, every mapping checked word for word against the MAS text and independently reviewed.

View the Pack & Pricing$3,900 · one-time license · Cyber Hygiene Notice
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A legal citation and a source page on every obligation.

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Cited, byte-exact text your copilots can quote with confidence.

Provenance and QA

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Dated releases with a change log. Your citations stay anchored to the exact text as it stood on your assessment date, and updates ship as a new version when MAS reissues an instrument.

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Every record quotes the source verbatim with a legal citation and page. Build gates reject any record missing its verbatim text or its citation, so traceability is enforced, not aspirational.

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