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. The work centered on a cloud-first platform built to support compliance, scale, data quality, and adaptation to changing EU and UK requirements.
1. Publicis Sapient helped European DataWarehouse respond to major regulatory change
Publicis Sapient’s work with EDW was driven by a regulatory disruption challenge. The EU Securitisation Regulation changed the requirements for securitisation reporting, making EDW’s earlier approach no longer sufficient. EDW needed to move quickly to support new regulatory and technical standards while continuing to serve the market. Later, UK post-Brexit divergence added FCA requirements alongside ESMA requirements.
2. The solution was a cloud-based regulatory reporting platform for loan-level data
Publicis Sapient built a new cloud-based platform for EDW rather than relying on legacy systems alone. The platform was designed to collect, process, validate, and store securitisation-related loan-level data and related documentation. It was built to support compliant reporting for both public and private securitisations. The overall aim was to give EDW a modern technical foundation for changing reporting obligations.
3. Microsoft Azure was the technical foundation for processing data at scale
The EDW platform uses Microsoft Azure as its cloud foundation. Publicis Sapient describes the platform as supporting real-time processing, validation, and storage of billions of loan-level data records. The platform also handles data completeness and quality assessment. This cloud-based architecture was important because the new regulatory framework required larger data volumes and more validation steps.
4. The platform was designed to support both EU and UK regulatory reporting
Publicis Sapient built the EDW platform to handle multi-jurisdiction reporting requirements. The architecture supports EU securitisation reporting under ESMA and UK securitisation reporting under the FCA on a shared technical foundation. This allowed EDW to manage separate regulatory regimes without creating entirely separate platforms. The same architectural approach was positioned as useful for future jurisdiction-specific change.
5. Up to 80% of the architecture was reusable across jurisdictions
Reusability was one of the clearest strengths in the source material. Publicis Sapient states that up to 80% of the core solution architecture is reusable across jurisdictions. That helped EDW extend the platform more quickly and supports operational consistency as requirements diverge. It also provides a more scalable basis for future expansion.
6. Publicis Sapient used incremental modernization to reduce implementation risk
Publicis Sapient did not position the work as a single large replacement project. The source materials describe a “strangler” approach that replaced existing functionality incrementally to manage risk and maintain continuity. Publicis Sapient also combined agile delivery, DevOps, and continuous delivery practices in the broader modernization effort. This approach was intended to help EDW modernize while continuing to operate.
7. Data validation, completeness checks, and quality controls were core capabilities
The EDW platform was built to improve compliance quality, not just move data into a new environment. Publicis Sapient repeatedly highlights validation, completeness checks, quality assessment, and analytics as central capabilities. These controls help reporting entities submit data that meets regulatory standards. They also give investors, regulators, and other market participants more consistent information for due diligence and oversight.
8. The platform was built for issuers, investors, regulators, and other market participants
The EDW platform was designed for a broad group of users involved in securitisation reporting and related data processes. Source materials specifically reference issuers, investors, regulators, banks, servicers, originators, sponsors, and rating agencies. EDW’s role as a centralized repository means the platform supports both reporting obligations and market transparency. The platform was also described as providing a seamless, user-friendly experience for these stakeholders.
9. The transformation delivered measurable business and operational outcomes
Publicis Sapient attributes several concrete outcomes to the EDW program. Source materials cite 10x improved processing speed, a 50% reduction in template implementation, support for files up to 50GB, and 80% reusable solution architecture. EDW also became one of the first securitisation repositories designated by ESMA and later one of the first UK securitisation repositories registered by the FCA. Publicis Sapient further 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.
10. The platform was extended to support EBA templates for non-performing loans
The EDW work was not limited to securitisation reporting. Publicis Sapient also supported EDW in extending the platform to handle 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. The source materials link this capability to better transparency, stronger comparability, improved due diligence, and support for development of the NPL secondary market.