Regulatory Technology and Automated Compliance Reporting in Saudi Arabia’s Insurance Sector: A Vision 2030 Framework

Saudi Arabia’s insurance sector is moving toward a more digitally integrated supervisory environment in which regulatory obligations, operational data and reporting processes can increasingly be connected through technology. Regulatory technology, or RegTech, provides a practical mechanism for translating this direction into insurer-level compliance capability. This paper examines how RegTech and automated compliance reporting can improve the accuracy, timeliness, traceability and efficiency of regulatory compliance in Saudi insurance under Vision 2030. The study adopts an integrative review and conceptual-synthesis approach, combining recent peer-reviewed literature on RegTech, SupTech, automated reporting, machine-readable regulation, artificial intelligence and compliance-by-design with official Saudi insurance-sector policy and digital-supervision developments. The analysis identifies six essential capabilities: a structured regulatory obligation register; standardized and governed data; machine-readable compliance rules; automated validation and workflow; evidence-based audit trails; and accountable human oversight. Saudi developments provide a strong institutional basis for this model. The Insurance Authority’s National Insurance Sector Strategy includes dedicated programs for Regulations & Legislation and Technology, Data & Artificial Intelligence, while the TAMEEN portal has expanded digital licensing, approval, supervisory and regulatory services. The paper proposes a Saudi Insurance RegTech and Automated Compliance Reporting Framework linking regulatory sources, compliance rules, enterprise data, validation engines, exception management, reporting and governance. The framework emphasizes that automation should not be treated as the removal of compliance professionals. Instead, technology should reduce repetitive reconciliation and reporting work while improving the capacity of specialists to interpret regulatory changes, investigate exceptions and provide accountable sign-off. Key risks include poor data lineage, rule misinterpretation, algorithmic opacity, cybersecurity exposure, third-party dependency and over-automation. The paper concludes that a controlled compliance-by-design approach can strengthen supervisory responsiveness, lower avoidable compliance cost and support a more resilient and digitally mature Saudi insurance market.