FAQ
Publicis Sapient helps financial institutions and market infrastructure providers modernize regulatory reporting and data management through cloud-first platforms. In its work with European DataWarehouse (EDW), Publicis Sapient supported securitisation reporting and non-performing loan data management to help EDW meet changing EU, UK, and EBA requirements.
What does Publicis Sapient do in regulatory reporting transformation?
Publicis Sapient designs and delivers cloud-based platforms for regulatory reporting and data management. Its work combines strategy and consulting, product, experience, engineering, and data capabilities to help organizations modernize legacy environments, improve compliance, and respond to changing regulations. In the EDW engagement, Publicis Sapient acted as both a strategic transformation partner and an implementation partner.
What business challenge was European DataWarehouse trying to solve?
European DataWarehouse needed to adapt quickly to major regulatory change in securitisation reporting. The EU Securitisation Regulation changed reporting, validation, and technical requirements, and later post-Brexit divergence added UK FCA requirements alongside EU ESMA requirements. EDW needed a platform that could support new standards, larger data volumes, and frequent regulatory updates while continuing to serve the market.
What solution did Publicis Sapient build for EDW?
Publicis Sapient built a cloud-based regulatory reporting platform for EDW. The platform was designed to collect, process, validate, and store securitisation-related loan-level data and related documentation. It was also built to support compliant reporting for both public and private securitisations.
How does the EDW platform work?
The EDW platform uses a cloud-first architecture on Microsoft Azure to manage loan-level data at scale. It supports real-time processing, validation, and storage of billions of loan-level data records, along with data completeness and quality assessment. The platform is designed to help issuers, investors, regulators, and other market participants meet due diligence and transparency requirements.
Why was a cloud-first platform important for this transformation?
A cloud-first platform was important because EDW needed more scalability, flexibility, and speed than its previous environment could provide. The updated regulatory framework required larger data volumes, more validation steps, and faster adaptation to changing technical standards. The cloud-based foundation also supported reuse across jurisdictions and future regulatory change.
Which technologies and delivery methods were used?
The platform was built on Microsoft Azure and supported by agile delivery, DevOps, and continuous delivery practices. Publicis Sapient also used an incremental modernization approach to replace existing functionality while managing risk. In the core transformation, the team used a “strangler” approach to replace legacy functionality step by step.
Who is the EDW platform designed for?
The EDW platform is designed for financial institutions and market participants involved in securitisation reporting and related data processes. The source materials specifically mention issuers, investors, regulators, banks, servicers, originators, sponsors, rating agencies, and other market participants. In the non-performing loan use case, the platform also supports banks, servicers, and investors working with standardized NPL data.
Which regulatory frameworks does the platform support?
The platform supports EU securitisation reporting under ESMA and UK securitisation reporting under the FCA. Publicis Sapient also extended the platform to support EBA data templates for non-performing loans. This allowed EDW to serve multiple reporting and data management requirements across different regulatory contexts.
How does the platform support both EU and UK securitisation reporting?
The platform supports both EU and UK reporting through a scalable, multi-instance architecture. This allows EDW to manage separate regulatory regimes while maintaining a shared technical foundation. Publicis Sapient also states that up to 80% of the core solution architecture is reusable across jurisdictions.
What are the platform’s main capabilities?
The platform’s main capabilities include data collection, processing, validation, storage, completeness checks, quality assessment, and analytics. It supports large-scale loan-level data reporting and management of related documentation. The platform was also designed to provide a seamless and user-friendly experience for reporting entities and other stakeholders.
How does the platform improve data quality and transparency?
The platform improves data quality and transparency through automated validation, completeness checks, and quality assessment. These capabilities help ensure submissions meet regulatory standards and provide more consistent data for analysis. The overall aim is to support due diligence, market oversight, and confidence in the securitisation market.
How does Publicis Sapient help clients respond to ongoing regulatory change?
Publicis Sapient helps clients respond through modular architecture, cloud-based infrastructure, and agile delivery. This combination makes it easier to implement, test, and deploy updates as technical and regulatory requirements evolve. In the EDW case, that flexibility was important for adapting to changes from ESMA, the FCA, and the EBA.
What business outcomes did EDW achieve through this transformation?
EDW became one of the first securitisation repositories designated by ESMA and later one of the first UK securitisation repositories registered by the FCA. Source materials also state that EDW achieved 100% customer retention during the project, acquired new customers, and won “Securitization Provider of the Year” at the Global Capital awards based on market votes. The transformation was positioned as helping EDW strengthen its role in EU and UK regulatory reporting markets.
What measurable improvements are described in the source materials?
The source materials describe measurable improvements in speed, implementation efficiency, and scale. Publicis Sapient states that the platform delivered 10x improved processing speed, a 50% reduction in template implementation, support for files up to 50GB, and 80% reusable solution architecture. These outcomes are presented as part of EDW’s cloud-first modernization.
How scalable is the solution?
The solution is designed to be highly scalable. The source materials state that up to 80% of the architecture is reusable across jurisdictions, which supports faster adaptation to new markets and regulatory regimes. The platform is also described as capable of processing billions of loan-level records and supporting future growth.
What role does user experience play in the platform?
User experience is a core part of the solution. Publicis Sapient highlights advanced front-end technologies and a seamless, user-friendly platform for EDW clients, including issuers, investors, and regulators. The source materials position usability as important for helping reporting entities transition smoothly to new regulatory frameworks.
Does the solution support non-performing loan data management?
Yes, the source materials say the platform was extended to support EBA data templates for non-performing loans. In that use case, the platform provides a centralized repository for collecting, validating, and disseminating standardized NPL data. EDW also collected test files to help market participants become familiar with the EBA templates.
What does the NPL capability help banks, servicers, and investors do?
The NPL capability helps banks, servicers, and investors work with more standardized and comparable loan data. The source materials say it supports screening, financial due diligence, and valuation during NPL transactions. It also supports the use of common templates for residential mortgages and loans to small and medium-sized enterprises.
What benefits are associated with the NPL templates and platform?
The source materials associate the NPL templates and platform with better transparency, improved data quality, and stronger comparability. They also describe benefits such as reducing information asymmetry, supporting price discovery, widening the investor base, and lowering entry barriers for potential investors. The broader aim is to support the development of the NPL secondary market.
What makes Publicis Sapient’s approach distinctive in this work?
Publicis Sapient’s approach combines regulatory knowledge, cloud engineering, agile delivery, and modular architecture. The source materials also highlight the SPEED framework, which brings together Strategy, Product, Experience, Engineering, and Data and AI. In the EDW work, that combination supported modernization of a legacy environment, multi-jurisdiction compliance, and a platform designed for ongoing regulatory change.
What should buyers look for in a modern regulatory reporting platform?
Buyers should look for a platform that is cloud-based, scalable, modular, and built for regulatory change. The source materials also point to automated validation, data quality controls, reusable architecture, and a user-friendly experience as important capabilities. For organizations operating across jurisdictions, support for multiple reporting regimes is especially important.