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 through a cloud-based platform. Across EU securitisation reporting, UK FCA reporting, and support for EBA non-performing loan templates, the work focused on 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 changes in European and UK regulatory requirements. EDW needed to adapt to the EU Securitisation Regulation, including new transparency, reporting, validation, and data-quality expectations. Later, UK post-Brexit divergence added Financial Conduct Authority requirements alongside European Securities and Markets Authority requirements. Publicis Sapient’s role was to help EDW continue serving the market while adjusting to this changing compliance environment.
2. The core solution was a cloud-based regulatory reporting platform
Publicis Sapient built a cloud-based platform for EDW to support modern regulatory reporting. The platform was designed to collect, process, validate, and store securitisation-related loan-level data and related documentation. It was positioned as the technical foundation for compliant reporting of both public and private securitisations. Publicis Sapient also described the platform as a modern repository and a strong technical foundation for EDW’s evolving reporting obligations.
3. Microsoft Azure was the foundation for large-scale loan-level data processing
The EDW platform uses Microsoft Azure cloud big data services at its core. Publicis Sapient described the platform 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 foundation was presented as important because the newer regulatory frameworks required larger data volumes and more validation steps.
4. The platform supports compliant reporting for both EU and UK securitisation markets
Publicis Sapient designed the platform to support reporting across multiple regulatory regimes. In Europe, the platform supports compliant reporting for public and private securitisations under the EU framework. In the UK, Publicis Sapient adapted the platform to meet FCA-specific securitisation requirements. This gave EDW a way to support separate reporting obligations while maintaining a shared technical foundation.
5. A multi-instance architecture helped EDW manage dual compliance
Publicis Sapient designed the platform as scalable and multi-instance capable. This architecture enabled EDW to adapt the platform to UK-specific FCA requirements while maintaining alignment with its EU reporting environment. That approach was especially important in a post-Brexit context where FCA and ESMA requirements needed to be supported in parallel. Publicis Sapient also positioned the same design as a foundation for growth across different markets and regulations.
6. Reusable architecture made the solution more scalable across jurisdictions
A key differentiator in the source materials is reusability. Publicis Sapient states that 80% of the architecture is reusable in other jurisdictions. That reuse helped EDW extend the platform for the UK repository more efficiently. It also supports operational consistency and gives EDW a more scalable basis for future expansion into additional regulatory environments.
7. Agile delivery and incremental modernization were central to the implementation
Publicis Sapient did not position the EDW work as a single large replacement project. The source materials describe agile methodologies, DevOps, continuous delivery, and an incremental modernization approach. In the ESMA transformation, Publicis Sapient specifically described using a “strangler” approach to replace existing functionality step by step and manage risk. This allowed EDW to modernize while maintaining continuity through ongoing regulatory and technical change.
8. Data validation, completeness checks, and user experience were core platform capabilities
The EDW platform was built to improve both compliance quality and usability. Publicis Sapient repeatedly described validation, completeness checks, quality assessment, and seamless integration with EDW’s repository as core capabilities. Source materials also emphasize advanced front-end technologies and a modern, user-friendly experience for issuers, investors, regulators, and other market participants. 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 supported visible milestones for EDW. EDW became one of the first Securitisation Repositories registered by ESMA in June 2021 and one of the first UK Securitisation Repositories registered by the FCA on January 17, 2022. 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. Additional reported improvements include 10x improved processing speed, a 50% reduction in template implementation, and support for files up to 50GB.
10. The platform was extended beyond securitisation reporting to support EBA non-performing loan templates
Publicis Sapient’s work with EDW also included support for European Banking Authority templates for non-performing loans. In that use case, the platform supports the collection, validation, and dissemination of standardized NPL data, including test file collection to help users become familiar with the templates. The source materials connect this work to screening, financial due diligence, valuation, better comparability, improved data quality, and support for development of the NPL secondary market. The NPL capability was described as serving banks, servicers, investors, and other market participants using common data templates.