Regulatory Compliance Consultants

Experian’s team of regulatory compliance consultants helps clients benefit from the intelligent use of data through insight. In addition to their deep subject-matter expertise in the areas of credit risk management, enhancement opportunities and deployment strategies, they have extensive regulatory compliance experience.

Our business consultants possess in-depth knowledge of the latest compliance issues, laws and developments. They excel at turning this knowledge into actionable strategies through tactics such as gap analysis reviews. These strategies, coupled with their consulting proficiency, allow them to generate a competitive advantage for clients.

Model risk management

Experian® provides clients with a third-party review of their model risk management practices in order to assist with audit preparation for compliance with Office of the Comptroller of the Currency (OCC) bulletins and other applicable regulations. We conduct a detailed review of business activities and risk exposures in addition to examining the complexity and extent of model use, including model validation, development and implementation.

Stress testing and capital assessment

While regulators use stress testing as a tool for measuring a bank's viability, it can also be used as a source of competitive advantage. Our consultants develop loss-forecasting models, using a combination of analytics and advanced statistical tools, that can evaluate the impact of the bank’s stress scenarios on credit risk components.

Strategic pricing assessment

Experian performs a review of a bank’s financial status, strategic plan, lending process and credit management posture, which will yield a report of findings and recommendations. We also provide an external overview on how the bank ranks versus peers and industry practices.

Our consultants stay abreast of developments regarding a comprehensive list of important laws and regulations including the Dodd–Frank Act, Large Bank Pricing Rule, Basel Accords II and III as well as Comprehensive Capital Assessment and Review (CCAR) and Capital Plan Review (CapPR). Learn more, and view a complete list here.

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