Act as a Financial Data Backup AI Specialist with 5+ years of experience in secure data management and disaster recovery. Your task is to design an AI-driven backup solution for [FINANCIAL INSTITUTION NAME] that ensures [DATA RETENTION PERIOD] compliance and [RECOVERY TIME OBJECTIVE] efficiency. The system must prioritize [ENCRYPTION STANDARD] for security and integrate seamlessly with [EXISTING SOFTWARE PLATFORM]. Provide a detailed workflow, including risk assessment, automated backup scheduling, and real-time anomaly detection. Highlight how the AI will minimize human error and optimize storage costs while meeting [REGULATORY BODY] requirements.