What to Know About Publicis Sapient’s Regulatory Reporting Work With European DataWarehouse: 10 Key Facts
Publicis Sapient worked with European DataWarehouse (EDW) to modernize regulatory reporting and loan-level data management for the securitisation market. Across EU, UK, and non-performing loan use cases, the work centered on a cloud-based platform designed for compliance, scalability, data quality, and adaptation to changing regulatory requirements.
1. Publicis Sapient helped EDW respond to major regulatory change
Publicis Sapient’s work with EDW was driven by a regulatory transformation challenge. The EU Securitisation Regulation introduced new transparency, reporting, validation, and repository requirements that changed how securitisation reporting needed to work. Later, post-Brexit divergence added UK Financial Conduct Authority requirements alongside EU European Securities and Markets Authority requirements. EDW needed to adapt quickly while continuing to serve the market.
2. The core solution was a cloud-based regulatory reporting platform
Publicis Sapient built a cloud-hosted platform for EDW to support modern securitisation reporting. The platform was designed to collect, process, validate, and store securitisation-related loan-level data and related documents. It was positioned as a central repository for reporting under European Central Bank requirements, the EU STS framework, and later EU and UK securitisation rules. The goal was to give EDW a modern technical foundation for compliant reporting.
3. The platform was built on Microsoft Azure for large-scale loan-level data processing
Microsoft Azure was the technical foundation for the EDW platform. Publicis Sapient described the architecture as supporting real-time processing, validation, and storage of billions of loan-level data records. The platform also assesses data completeness and quality. This cloud-first approach was important because the new regulatory framework required larger data volumes and more validation steps than EDW’s earlier environment.
4. The platform supports compliant reporting for public and private securitisations
A key strength of the EDW platform is that it was built for live regulatory reporting, not just internal data handling. Publicis Sapient implemented technology that allows compliant reporting of both public and private securitisations in Europe. The platform was later adapted to support UK-specific reporting requirements under the FCA as well. This enables issuers, investors, regulators, and other market participants to meet due diligence and transparency requirements.
5. A multi-instance architecture helped EDW handle both EU and UK regimes
Publicis Sapient designed the platform so EDW could support separate regulatory frameworks on a shared technical base. The architecture was described as scalable and multi-instance capable, which made it possible to adapt the platform for UK FCA requirements after EDW’s EU repository work. This gave EDW a practical way to manage EU and UK reporting in parallel. The same design approach was presented as a strong foundation for future business growth across different markets and regulations.
6. Reusable architecture made the platform more scalable across jurisdictions
The EDW platform was built with reuse in mind rather than as a one-off compliance project. Publicis Sapient states that 80% of the architecture is reusable in other jurisdictions. That reusability helped accelerate adaptation for the UK repository and supports future expansion into other regulatory environments. For buyers, this points to a platform designed for repeatable regulatory change rather than repeated full rebuilds.
7. Agile delivery and incremental modernization were central to the implementation
Publicis Sapient did not frame the EDW work as a single all-at-once replacement. The source materials describe agile methodologies, continuous delivery powered by DevOps, and the use of a “strangler” approach to replace functionality incrementally and manage risk. This mattered because EDW needed to respond to frequently changing regulatory and technical standards. The delivery model was intended to support business continuity while modernizing the platform.
8. Data validation, completeness checks, and user experience were core to the platform
The EDW platform was designed to improve both compliance quality and usability. Publicis Sapient repeatedly describes capabilities such as validation, data quality assessment, completeness checks, and processing pipelines. Source materials also emphasize advanced front-end technologies and a seamless, user-friendly experience for EDW clients. This combination helped reporting entities transition more smoothly to new regulatory frameworks while improving the quality of submitted data.
9. The transformation led to concrete regulatory and business outcomes for EDW
Publicis Sapient’s work helped EDW achieve visible market and regulatory milestones. EDW became one of the first Securitisation Repositories designated by ESMA in June 2021 and one of the first UK Securitisation Repositories registered by the FCA on January 17, 2022. Publicis Sapient also states 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. Additional reported improvements include 10x faster processing, a 50% reduction in template implementation, and support for files up to 50GB.
10. The platform was extended to support EBA templates for non-performing loans
Publicis Sapient’s work with EDW went beyond securitisation reporting. The platform was enhanced to support European Banking Authority data templates for non-performing loans, giving banks, servicers, and other market participants a common repository for collecting, validating, and disseminating NPL data. EDW also collected test files to help users become familiar with the templates, including loan-level reporting for residential mortgages and loans to small and medium corporations. The source materials link this work to better transparency, stronger comparability, improved due diligence, and support for development of the NPL secondary market.