DORA
Digital Operational Resilience Act Compliance for B2B Financial Services
The Digital Operational Resilience Act (DORA) introduces a new era of digital security governance across the European financial sector. It mandates that banks, insurance companies, fintech firms, and service providers implement robust digital resilience and incident management processes—backed by active oversight of third-party vendors and IT systems.
At munit.io, we help organizations operationalize DORA through automation, actionable threat intelligence, and smart compliance workflows. Our platform empowers IT security leaders, compliance officers, and risk managers to transform DORA obligations into efficient, traceable actions—while keeping daily operations secure and audit-ready.
What Is the Digital Operational Resilience Act (DORA)?
Adopted by the EU in 2022, DORA (Regulation (EU) 2022/2554) strengthens the financial sector’s ability to withstand and recover from ICT-related disruptions. It sets consistent requirements across all EU member states for:
- ICT risk management and governance
- Incident reporting and response
- Digital operational resilience testing (e.g., TLPT)
- Third-party risk oversight
- Threat and vulnerability sharing (threat-led collaboration)
Unlike other cybersecurity directives, DORA is a regulation, it’s directly applicable across the EU and was enforced from January 17, 2025.
Why DORA Matters for Financial Entities and ICT Service Providers
DORA applies to over 22,000 organizations including:
- Banks, insurance firms, and investment companies
- Credit institutions and payment service providers
- ICT third-party service providers (e.g., cloud, software, analytics firms)
- Crypto-asset service providers
- Management companies, pension firms, and more
This regulation isn’t just about compliance—it’s about trust, continuity, and protecting client assets. For executive leaders and IT security teams, DORA brings both a challenge and an opportunity: a chance to embed resilience into the core of your digital operations.
Failing to meet DORA requirements can result in:
- Regulatory sanctions or fines
- Contract termination risks with financial partners
- Reputational damage due to incidents or third-party failures
Key DORA Requirements: Breaking It Down
DORA consists of five key pillars. Here’s how each impacts your business:
1. ICT Risk Management Framework
Organizations must establish internal governance to identify, protect, detect, respond to, and recover from ICT-related incidents.
- Maintain up-to-date ICT asset inventory
- Set policies for change management and system updates
- Monitor and mitigate operational risks continuously
2. Incident Reporting
You must:
- Detect major ICT-related incidents quickly
- Notify authorities within strict timeframes
- Provide root-cause analysis and follow-up documentation
3. Digital Operational Resilience Testing
High-impact entities must run regular Threat-Led Penetration Testing (TLPT) exercises on critical systems.
- Simulate realistic attack scenarios
- Validate detection and recovery capabilities
4. Third-Party Risk Management
New rules require complete visibility over ICT service providers, including:
- Risk-based assessment before onboarding
- Contractual clauses covering audit rights, security measures, and continuity
- Exit strategies and concentration risk management
5. Threat Intelligence and Information Sharing
Voluntary sharing of cyber threat intelligence is encouraged to build sector-wide resilience. Your systems must Support data anonymisation, sharing protocols, and secure communication.
How munit.io Simplifies DORA Compliance
munit.io was built for complex digital compliance challenges—like those introduced by DORA. Our SAGA platform helps B2B organizations automate risk assessments, monitor cyber threats (including dark web sources), track third-party exposure, and generate compliance documentation in real-time.
Centralized ICT Risk Management
- AI-assisted identification and classification of ICT assets
- Risk scoring aligned with DORA frameworks
- Monitoring dashboards with real-time updates
With munit.io, you can visualize resilience gaps across systems, prioritize fixes, and document actions to satisfy DORA auditors and regulators.
Proactive Threat Monitoring (Including Dark Web Intelligence)
DORA emphasizes early detection and reporting of ICT incidents. Our platform provides:
- Continuous scanning of surface, deep, and dark web
- Alerts for leaked credentials, malware targeting, and data theft
- Integration with your internal detection systems (e.g., SIEM)
This supports fast, confident incident response—aligned with DORA’s notification timelines.
Third-Party Risk & ICT Vendor Oversight
munit.io gives you tools to:
- Conduct due diligence on ICT providers
- Track vendor exposure on the dark web
- Maintain up-to-date records of critical dependencies
You’ll also receive alerts about changes in vendor security posture, giving you actionable insights to reduce concentration risk.
DORA-Aligned Policy Automation
Our platform includes ready-made templates for:
- ICT governance policies
- Incident response procedures
- Third-party evaluation forms
- Business continuity and disaster recovery documentation
These are fully customizable, saving time and ensuring consistency across internal stakeholders.
Compliance Dashboards and Reporting
All actions are tracked in real time through our compliance cockpit. This includes:
Audit-ready export of incident reports and governance documents
Risk remediation tracking
DORA framework alignment
Real-World Use Cases
Financial Institution: Incident Reporting
A mid-sized European investment firm used munit.io to accelerate incident response by 60%. Dark web monitoring uncovered leaked employee credentials before attackers exploited them—allowing the firm to notify regulators and clients in under 24 hours.
Banking Supplier: Third-Party Exposure
A core banking software vendor leveraged munit.io to continuously monitor its own and its clients’ domains for abuse or data leaks. This proactive posture helped preserve critical contracts and meet DORA’s supplier assurance expectations.
Fintech Provider: TLPT Readiness
A B2B fintech company used munit.io to assess its resilience before its first threat-led penetration test. By identifying weak links in data access control and vendor contracts, they reduced test-based findings and boosted audit confidence.
Advantages of Partnering with munit.io
We don’t just offer tools—we offer expertise. Here’s what sets us apart:
Deep Understanding of Financial Sector Risks
With clients across Europe’s finance and critical infrastructure sectors, we know the stakes, regulatory expectations, and operational realities you face.
Automation-First Approach
Our SAGA platform eliminates spreadsheet-based compliance management. Risk mapping, policy alignment, and reporting are automated—so your team can focus on outcomes, not admin.
Advanced Threat Intelligence
Our proprietary dark web engine tracks credentials, malware, leaks, and ransomware threats across over 150 million sources.
Ongoing Support and Advisory
Need help aligning existing controls with DORA? Preparing for an audit? Our compliance specialists are available to guide you step-by-step.
Understand the Legal Framework: Read the Full DORA Regulation
To dive deeper into your responsibilities, we recommend reviewing the official text of the Digital Operational Resilience Act on EUR-Lex. This document outlines all obligations for financial entities and ICT providers.
Read the DORA Regulation (EU) 2022/2554 on EUR-Lex
Know the Law: What the DORA Regulation Actually Says
The Digital Operational Resilience Act (DORA) is officially known as Regulation (EU) 2022/2554 and was adopted by the European Parliament and the Council in December 2022. Unlike directives, this regulation is directly applicable in all EU member states without the need for national transposition—meaning its requirements are binding and uniform across the entire financial sector.
DORA establishes a comprehensive framework for managing ICT risks, testing digital resilience, and supervising critical third-party providers such as cloud and SaaS vendors. It covers financial entities of all sizes and introduces enforceable rules on governance, incident response, and outsourcing.
To explore the full legal text, visit the official EUR-Lex portal:
EUR-Lex: Digital Operational Resilience Act – Regulation (EU) 2022/2554
This link provides access to the complete regulation, including definitions, timelines, and sector-specific obligations, an essential reference for legal, compliance, and risk professionals.
Your DORA Compliance Journey Starts Here
Compliance with the Digital Operational Resilience Act is not a one-time task—it’s an operational mindset. With munit.io, you can achieve full compliance while improving your digital security posture and building trust with partners and regulators.
Ready to act?
- Request a free platform demo
- Get a DORA compliance assessment
- Talk to our advisory team about risk, resilience, and reporting