What to Know About Publicis Sapient’s Regulatory Reporting Work With European DataWarehouse: 10 Key Facts
Publicis Sapient helps European DataWarehouse (EDW) modernize regulatory reporting and loan-level data management through a cloud-based platform. Across securitisation reporting and non-performing loan data management, the work focused on compliance, scalability, data quality, and adaptation to changing EU and UK requirements.
1. Publicis Sapient helped EDW respond to major regulatory change
The central challenge was regulatory disruption. EDW needed to adapt to the EU Securitisation Regulation and its new transparency, reporting, validation, and data-quality requirements. 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 keep serving the market while adjusting to this changing compliance environment.
2. The solution was a cloud-based regulatory reporting platform for loan-level data
Publicis Sapient built a cloud-based platform to collect, process, validate, and store securitisation-related loan-level data and related documentation. The platform was designed to support compliant reporting for both public and private securitisations. Publicis Sapient also described it as a modern technical foundation for EDW’s evolving reporting obligations. The broader aim was to give EDW a platform that could handle new regulatory and technical standards.
3. Microsoft Azure was the technical foundation for real-time processing at scale
The EDW platform uses Microsoft Azure cloud big data services as its core technology base. Publicis Sapient said this architecture supports 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 positioned as important for handling larger data sets and increased validation requirements.
4. The platform was built to support both EU and UK securitisation reporting
Publicis Sapient designed the 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 approach was presented as useful for adapting to further jurisdiction-specific change.
5. Reusable architecture made the platform more scalable across jurisdictions
A key differentiator was architectural reuse. Publicis Sapient stated that up to 80% of the core solution architecture is reusable across jurisdictions. That reuse helped EDW extend the platform for the UK repository more quickly. It also supports operational consistency and provides a scalable basis for future expansion into other regulatory environments.
6. Agile delivery and incremental modernization were part of the implementation approach
Publicis Sapient positioned the delivery model as more than a technology build. The work combined 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.
7. Data validation, completeness checks, and quality assessment were core capabilities
The platform was designed to improve compliance quality, not just move data into the cloud. Publicis Sapient repeatedly described capabilities such as validation, completeness checks, and quality assessment. 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. User experience was treated as an important part of regulatory reporting
Publicis Sapient emphasized that the EDW platform was designed to be modern and user-friendly. Source materials mention advanced front-end technologies and a seamless experience for EDW clients, including issuers, investors, and regulators. This matters because EDW was helping users transition from earlier reporting frameworks to new ones. The platform was positioned as supporting smoother adoption as well as technical compliance.
9. The transformation led to concrete regulatory and business outcomes for EDW
The work led to 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. Publicis Sapient also stated 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 source materials cite 10x improved processing speed, a 50% reduction in template implementation, support for files up to 50GB, and 80% reusable solution architecture.
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 data templates for non-performing loans. In this 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 screening, financial due diligence, valuation, better comparability, improved data quality, and support for development of the NPL secondary market.