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AI Agent To Track Mastercard Rule Changes & Auto-update Policies

What happens when a card scheme updates its rules — and your internal compliance policies don't keep up?

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This demo shows a Carver RegWatch AI agent that monitors how Mastercard's Security Rules and Procedures (SPME) evolved across five releases between 2022 and 2025, then proposes the corresponding updates to a payment processor's internal compliance policies.

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The agent works in three stages:

1. Detects every section that changed between consecutive SPME releases

2. Classifies each change by materiality: breaking, substantive, clarifying, or cosmetic

3. Proposes targeted edits to the affected internal policy files

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In this walkthrough you'll see:

✅ A timeline view of all five SPME release transitions with severity breakdowns

✅ Per-change cards grouped by materiality, searchable by section, policy, or severity

✅ Side-by-side redlines — original Mastercard text on the left, proposed policy edits on the right

✅ Source PDF links that open at the exact cited page — no hunting through 200-page documents

✅ Track-changes rendering for compliance review workflows

✅ Low-confidence flags where the agent surfaces its own uncertainty for human review

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Across five releases: 214 proposed revisions, 15 breaking changes, 8 policy areas affected.

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This is what a compliance AI agent looks like when it's transparent about what it knows, what it proposes, and what it might have gotten wrong.

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Learn more: https://carveragents.ai

Explore RegWatch: https://lnkd.in/daedFHRR

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*Source documents are public Mastercard publications archived via the Internet Archive. Policy baselines shown are synthetic and do not reflect any real production text.*What happens when a card scheme updates its rules — and your internal compliance policies don't keep up?

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