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Strengthen Digital Resilience with DORA

The European regulation for digital operational resilience in the financial sector

Financial institutions are increasingly dependent on IT systems, cloud solutions and external ICT service providers. But how do you ensure that your organization remains digitally resilient against cyber attacks, system failures or disruptions at suppliers?

DORA (Digital Operational Resilience Act) is the European regulation that addresses this. The accompanying RTS (Regulatory Technical Standards) and ITS (Implementing Technical Standards) translate the legal framework into concrete, auditable obligations. At uComply, we not only help you comply with DORA, but above all help you structurally gain control over digital operational resilience.

What is DORA?

DORA applies to financial entities within the EU. The law has been in effect since January 2025 and requires organizations to structurally ensure their digital operational resilience. The accompanying technical standards — RTS and ITS — were developed by the European supervisory authorities:

  • EBA — European Banking Authority
  • ESMA — European Securities and Markets Authority
  • EIOPA — European Insurance and Occupational Pensions Authority

The five pillars of DORA

ICT risk management

A robust framework for identifying, assessing and managing ICT risks, with clear governance and board responsibility.

Incident management

Structured processes for detection, classification and reporting of ICT-related incidents to supervisory authorities.

Digital resilience testing

Regular testing of digital operational resilience, including advanced TLPT (Threat-Led Penetration Testing) for significant entities.

Third-party risk management

Management and monitoring of ICT third parties, including contractual requirements, exit strategies and a European oversight framework for critical providers.

Information sharing

Structured exchange of information about cyber threats and vulnerabilities within the financial sector.

The emphasis is on demonstrability, documentation and continuous improvement. DORA is not a one-time exercise — it requires a structural compliance process.

DORA and NIS2: what is the difference?

Both regulations focus on cyber resilience, but differ in scope and application. For financial institutions, DORA is the leading regulation — where both overlap, you follow DORA.

Aspect
DORA
NIS2
Type of regulation
Regulation (directly binding)
Directive (national implementation)
Target group
Financial sector
Essential & important entities
ICT third parties
Comprehensive oversight framework
Limited requirements
Resilience testing
Mandatory (incl. TLPT)
Risk-based
Incident reporting
Detailed RTS requirements
General notification obligation

In uComply, you manage both DORA and NIS2 in one integrated system. Shared controls are automatically linked, preventing duplicate work.

uComply approach: pragmatic, integral and demonstrable

DORA requires more than just policy on paper. It demands demonstrable management of ICT risks, clear responsibilities and structured reporting to supervisory authorities.

With uComply, we not only help you comply with DORA, but above all help you structurally gain control over digital operational resilience. Our approach focuses on collaboration between risk, IT, compliance and management.

01

DORA gap analysis

We conduct a comprehensive gap analysis based on the RTS/ITS. Where does your organization stand now and what still needs to be done?

02

Integrate ICT risk management

ICT risk management is integrated into your existing framework — for example your ISMS or ERM. Not a standalone system, but an integrated approach.

03

Set up incident processes

Incident classification and reporting processes are set up in accordance with RTS requirements — from detection to notification to the supervisor.

04

Develop testing strategy

A testing strategy for digital resilience is developed, including scenario analyses and where required TLPT (Threat-Led Penetration Testing).

05

Governance & awareness

Board involvement and awareness are strengthened. DORA becomes not a compliance project, but an integrated part of your governance.

What does DORA compliance deliver?

Demonstrable compliance

You not only comply with DORA, but can also substantiate this to supervisory authorities.

Control over ICT third parties

More insight into risks at critical suppliers and cloud providers. Contractual and operational control.

Stronger governance

Clear roles and responsibilities at board level. Management is demonstrably involved.

Improved cyber resilience

Faster detection, better response and less impact during incidents. Structurally tested and improved.

Stakeholder confidence

Customers, partners and supervisory authorities see that digital resilience is structurally embedded in your organization.

Who does DORA apply to?

DORA has a broad scope and applies to virtually all financial entities in the EU, as well as their critical ICT service providers.

Financial entities

  • Banks and credit institutions
  • Insurers and reinsurers
  • Investment firms
  • Pension funds
  • Payment institutions
  • Crypto-asset service providers

ICT service providers

  • Cloud service providers
  • Managed service providers
  • Data analytics providers
  • Software vendors to the financial sector
  • IT outsourcing parties

Building digital operational resilience together

DORA is not a one-time exercise, but a structural change in how financial organizations deal with ICT risks.

Do you want not just compliance, but real control over your digital resilience? uComply supports you with a practical and goal-oriented approach.

Frequently asked questions about DORA

What is DORA?
DORA stands for Digital Operational Resilience Act. It is a European regulation that requires financial institutions to ensure their digital operational resilience. The law has been in effect since January 2025 and applies to banks, insurers, investment firms and other financial entities within the EU.
What is the difference between DORA and DORA 2?
DORA is the legal framework — the European regulation. DORA 2 refers to the Regulatory Technical Standards (RTS) and Implementing Technical Standards (ITS) that further specify the law. The RTS describe what you must do, the ITS describe how you must deliver it. Together they form the concrete, auditable obligations.
Who does DORA apply to?
DORA applies to virtually all financial entities in the EU: banks, insurers, investment firms, pension funds, payment institutions, crypto-asset service providers and their critical ICT service providers. Third parties providing essential ICT services to the financial sector also fall under supervision.
How does DORA relate to NIS2?
DORA is a sector-specific regulation for the financial sector, while NIS2 is a broader directive for essential and important entities. For financial institutions, DORA is the leading regulation — where DORA and NIS2 overlap, you follow DORA. Both focus on cyber resilience, but DORA sets additional requirements for ICT risk management, incident reporting and third-party management.
What are the penalties for DORA non-compliance?
Supervisory authorities can impose various measures for non-compliance: corrective measures, fines, and in serious cases, revocation of licenses. Additionally, board members can be held personally liable. Proactive compliance is therefore essential.
Can uComply help with DORA compliance?
Yes. uComply offers an integrated platform to structurally manage DORA compliance: from gap analysis and risk assessment to incident registration, vendor management and reporting to supervisory authorities. Everything in one system, within your Microsoft 365 environment.