Ncontracts 2026 Future of Compliance Survey

The compliance function is changing faster than ever. What was once viewed as a regulatory must-have has become a strategic differentiator, influencing everything from risk culture to boardroom decision-making. 

The data from The Ncontracts 2026 Future of Compliance Survey reveals a profession under pressure — but also one in transformation. Compliance teams are lean, yet increasingly integral to enterprise strategy. They are managing broader risk portfolios with flat budgets, leading through regulatory ambiguity, and preparing for an era defined by automation and artificial intelligence. 

Full of practical insights, the report is your go-to guide for better understanding your FI’s compliance strengths and areas for improvement in 2026 and beyond.   

Highlights Compliance Has Become a Strategic Function 
​82% of FIs are satisfied with board and management support, and 74% are satisfied with their institution's compliance culture. More than half (56%) report stronger integration of compliance into policies, procedures, and training since 2021.
 
Lean Teams Are Managing Expanding Mandates 
38% of FIs operate with just one or two compliance professionals — including a quarter of institutions in the $1-$10 billion in assets range.  

The Knowledge Gap Is Widening 
64% of compliance professionals have 8+ years of experience, and 36% have over 15 years — but much of that expertise is eligible for retirement within five years. 

Regulatory Uncertainty Tops the Risk List 
38% of FIs cite regulatory uncertainty as a top risk, followed by fair lending (33%), limited resources (30%), and staff training (30%).  

Technology Is the New Compliance Divider 
FIs relying on spreadsheets and email report 7x more examiner questions and concerns than their automated peers.  

AI and Data-Driven Compliance Are Emerging but Uneven 
32% report no AI use in compliance, 26% are exploring or piloting solutions, and only 2% have implemented AI broadly. Data quality (36%), regulatory uncertainty (21%), and data privacy (14%) remain the top barriers among FIs.  

Download the full report for more insights.  

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