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"Banking Compliance: Tech, People, Data," offers a comprehensive analysis of the evolving compliance landscape in regional banking, emphasizing the critical intersection of technology, human capital, and data management. It explains that traditional, siloed compliance models are insufficient due to rapid digitalization, geopolitical shifts, and increased focus on consumer protection and ESG factors. The report highlights the necessity of a robust data ecosystem as the bedrock for effective risk management, advocating for strong data governance to ensure data quality and lineage. Furthermore, it explores how AI and Generative AI, particularly with Retrieval-Augmented Generation (RAG) architecture, can strategically automate compliance tasks, while also underscoring the ethical imperative of mitigating algorithmic bias and ensuring Explainable AI (XAI). Ultimately, the text argues that successful compliance transformation requires progressive modernization of legacy systems, cultivation of new skillsets in compliance professionals, and a holistic, integrated approach to people, operations, and technology, shifting compliance from a cost center to a competitive advantage.