TUGMA connects the rules that govern payments to the operational activity they apply to, then produces evidence you can verify.
MAP
Regulation → Requirement
Authoritative regulatory publications are mapped into discrete, trackable requirements with source, version and effective date.
DEFINE
Requirement → Control
Each requirement is connected to one or more operational controls with an owner, risk level and testing frequency.
TEST
Control → Operational Data
Controls are tested against actual payment operations data to determine pass, fail or warning outcomes.
RESOLVE
Exception → Remediation
Failed tests raise exceptions, which are routed to owners with remediation actions and due dates.
PROVE
Evidence → Verifiable Evidence Package
Evidence is collected, hashed and assembled into a canonical, verifiable evidence package.
Conceptual flow