FAQ
Publicis Sapient helps financial institutions and market infrastructure providers modernize regulatory reporting and data management through cloud-first, modular platforms. In its work with European DataWarehouse (EDW), Publicis Sapient supported the transformation of securitisation reporting and NPL data management to meet evolving EU and UK regulatory requirements.
What does Publicis Sapient do in regulatory reporting transformation?
Publicis Sapient designs and delivers cloud-based regulatory reporting platforms for financial services organizations. Its work combines strategy and consulting, product, experience, engineering, and data capabilities to help clients modernize legacy environments, improve compliance, and adapt to changing regulations. In the EDW engagement, Publicis Sapient acted as a strategic transformation partner and implementation partner.
What was the main challenge European DataWarehouse needed to solve?
The main challenge was that EDW needed to adapt quickly to new regulatory requirements that changed how securitisation reporting had to work. The introduction of the EU Securitisation Regulation in 2017 and later UK post-Brexit divergence created new technical, operational, and reporting requirements. EDW needed a platform that could support compliant reporting, larger data volumes, more validation steps, and frequent regulatory updates.
What solution did Publicis Sapient build for EDW?
Publicis Sapient built a new cloud-based regulatory reporting platform for EDW. The platform was designed to process, validate, and store large volumes of loan-level data while supporting public and private securitisations. It also provided the flexibility needed to respond to evolving ESMA and FCA requirements.
How does the EDW platform work?
The EDW platform uses a cloud-first architecture on Microsoft Azure to collect, process, validate, and store securitisation-related loan-level data and related documentation. It supports real-time processing and validation of billions of records, along with data completeness and quality assessment. The platform is designed to serve issuers, investors, regulators, and other market participants.
Why was a cloud-first platform important for this transformation?
A cloud-first platform was important because EDW needed more scalability, agility, and resilience than legacy systems could provide. The cloud-based approach enabled larger data processing capacity, more validation steps, faster adaptation to regulatory change, and higher availability. The source material also highlights benefits such as automated disaster recovery, continuous monitoring, and stronger operational resilience.
Which cloud platform and engineering approach were used?
The platform was built on Microsoft Azure and supported by DevOps and agile delivery practices. Publicis Sapient also used infrastructure-as-code and automated pipelines to improve deployment speed, governance, and operational efficiency. For modernization, the team used a strangler approach to replace legacy functionality incrementally and reduce risk.
Who is the EDW platform for?
The EDW platform is intended for financial institutions and other market participants involved in securitisation reporting and related data processes. The source documents specifically reference issuers, investors, regulators, banks, servicers, originators, sponsors, and rating agencies. In the NPL context, the platform also supports banks, servicers, and investors working with standardized NPL data.
What regulatory regimes does the platform support?
The platform supports EU securitisation reporting under ESMA and UK securitisation reporting under the FCA. Publicis Sapient designed a multi-instance architecture so EDW could manage separate regulatory regimes while maintaining a shared technical foundation. The platform was also extended to support EBA templates for non-performing loan data.
How does the platform handle EU and UK dual compliance?
The platform handles dual compliance through a modular, multi-instance architecture. This lets EDW support EU and UK-specific requirements simultaneously while reusing up to 80% of the core solution architecture. That approach helps accelerate rollout, maintain operational consistency, and reduce the disruption of future regulatory changes.
What are the main capabilities of the platform?
The main capabilities include data collection, real-time processing, validation, storage, completeness checks, quality assessment, and analytics. The platform also supports automated data ingestion and reporting workflows, advanced validation pipelines, and a user-friendly experience for reporting entities and other stakeholders. In some source documents, it is also described as using AI-driven tools to detect anomalies and automate reporting.
How does Publicis Sapient help clients adapt to changing regulations?
Publicis Sapient helps clients adapt through cloud-native architecture, modular design, and agile delivery. This combination makes it easier to implement, test, and deploy changes with minimal disruption. The source documents repeatedly emphasize that this was important for responding to frequent regulatory and technical updates from ESMA, FCA, and EBA.
What business outcomes did EDW achieve through this transformation?
EDW achieved regulatory compliance under updated EU and UK frameworks and became one of the first securitisation repositories registered by ESMA and one of the first UK securitisation repositories registered by the FCA. According to the source material, EDW also 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 platform also delivered measurable improvements including 10x improved processing speed, 50% reduction in template implementation, support for files up to 50GB, and 80% reusable solution architecture.
How scalable is the solution?
The solution is designed to be highly scalable. The source documents state that up to 80% of the architecture is reusable across jurisdictions, which supports expansion into new regulatory environments with less rework. The platform is also described as capable of processing billions of loan-level records and supporting future growth and additional asset classes.
What role does user experience play in the platform?
User experience is a core part of the solution. Publicis Sapient used advanced front-end technologies and focused on providing a seamless, user-friendly experience for issuers, investors, regulators, and other clients. The source material positions user experience as important not just for usability, but also for smoother adoption of new reporting processes.
How does the platform improve data quality and transparency?
The platform improves data quality and transparency through automated validation, completeness checks, quality assessment, and standardized reporting workflows. These capabilities help ensure submissions meet regulatory standards and give investors and regulators more consistent, analyzable data. In both securitisation and NPL use cases, the goal is to reduce information asymmetry and support better due diligence and oversight.
Does the solution support non-performing loan (NPL) data management?
Yes, the source documents say the platform was extended to support EBA data templates for non-performing loans. In that use case, the platform provides a centralized and scalable repository for collecting, validating, and disseminating standardized NPL data. It also includes a cloud-based test data collection environment to help market participants work with the new templates, including for residential mortgages and loans to small and medium-sized enterprises.
What benefits does the NPL capability provide?
The NPL capability is intended to improve transparency, compliance, and market efficiency. The source documents say it helps banks and servicers meet EBA requirements, enables investors to analyze and compare portfolios more systematically, and supports better due diligence and price discovery. It is also positioned as a way to widen the investor base, lower entry barriers, and support a more active secondary market.
What makes Publicis Sapient’s approach different?
Publicis Sapient’s approach combines regulatory knowledge, cloud engineering, agile delivery, and modular architecture. The source material also highlights its SPEED framework, which brings together Strategy, Product, Experience, Engineering, and Data and AI. In the EDW case, that combination enabled Publicis Sapient to modernize a legacy environment, support multiple jurisdictions, and build 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 modular, cloud-native, scalable, and able to support changing regulatory requirements. The source documents also point to automated validation, strong data quality controls, agile delivery, operational resilience, and a user-friendly experience as practical priorities. For organizations operating across borders, multi-jurisdiction support and architecture reusability are especially important.