Regulation is no longer just about policies, paperwork and audits. It is increasingly about data.
If your organization needs to meet requirements such as the Basel Committee on Banking Supervision’s Principles for effective risk data aggregation and risk reporting (BCBS 239), the General Data Protection Regulation (GDPR), the California Consumer Privacy Act (CCPA) or new environmental, social and governance (ESG) expectations, you need to show that the data behind your controls is accurate, complete and reliable. It is not enough to have controls in place. You also need to prove the data supporting them can be trusted.
That is why data quality is no longer a back-office technical task and is becoming a core regulatory control.
Why regulators are looking more closely at data
Regulators are asking tougher questions:
- Can you trace reported figures back to source systems?
- Can you show that data is consistent across different platforms and teams?
- Can you spot and fix errors quickly?
- Can you explain how data moves, changes and is used?
These questions matter because weak data creates real regulatory risk. Inaccurate financial reporting, incomplete customer records and poor visibility across systems can all undermine compliance efforts, including know your customer (KYC) and anti-money laundering (AML) processes.
Why a reactive approach no longer works
Many organizations still handle data quality reactively. When a problem appears, one team fixes it. But without a broader approach, the same issue often appears again in another system, process or team.
Today, you need to build data quality into the full data lifecycle. That means monitoring data continuously, applying consistent rules, and automating validation, cleansing and enrichment wherever possible. It also means making every step visible and explainable.
Benefits of turning data quality into a control framework
When you treat data quality as a control, you move from reacting to issues to preventing them.
That shift helps you:
- Reduce compliance risk
- Produce more consistent, audit-ready reporting
- Improve trust in the data used across your business
- Respond faster to regulatory questions
It also helps your teams spend less time correcting problems and more time acting on reliable information.
How Experian helps your build trust in your data
Experian helps organizations put data quality into practice as a structured, repeatable control framework.
With Aperture Data Studio, you can profile and explore complex data, uncover anomalies and spot hidden relationships across systems. That gives you a clearer starting point, especially when legacy platforms and silos make it hard to see what is really happening in your data.
Aperture Data Studio allows you to define and apply standard rules that support regulatory expectations. Instead of relying on manual checks or disconnected processes, you can monitor data continuously and produce consistent, audit-ready outputs.
- Improve accuracy at scale
Reliable reporting starts with reliable inputs. Trusted data quality helps you cleanse, standardize and enrich data at scale, including capabilities such as address validation, deduplication and data enrichment. That helps you keep customer and operational data accurate and consistent. In areas such as AML and KYC, even small improvements in data accuracy can make a big difference. You can reduce false positives, improve risk detection and strengthen compliance processes overall. - Create a clearer view of customers and counterparties
Many regulations depend on having one accurate view of a customer, counterparty or exposure. Matching and entity resolution capabilities help you connect fragmented records across systems with greater precision. That makes it easier to spot relationships, reduce duplication and avoid missing the links that matter most. - Make your controls easier to explain
Strong controls need strong visibility. Regulators expect you to explain how data is created, transformed and validated. To accomplish this, you’ll need data lineage and governance capabilities that help you document rules, transformations and controls clearly. That visibility makes it easier to answer regulatory questions and demonstrate confidence in your data processes.
Compliance is only part of the value
Better data quality does more than support compliance. When your data is trusted, you can make decisions faster, reduce manual effort and improve the experiences you deliver to customers. What starts as a regulatory requirement can quickly become a business advantage. In other words, data quality does not just help you stay compliant. It helps you work smarter and compete more effectively.
As regulation evolves, organizations need to see data for what it is: the foundation of compliance. By identifying critical data elements, setting clear quality standards and monitoring data continuously, you can turn data quality into a stronger control. With the right tools in place, that control can scale with your business.
Data quality is no longer just a supporting function. It is becoming one of the clearest ways to build trust, improve resilience and turn compliance into competitive advantage.
Get in touch with a data expert to explore how Experian can help your organization.
See how address validation helps ecommerce retailers reduce shipping errors, improve data quality, and personalize customer experiences.
In today’s world, the digital revolution has drastically transformed the way financial institutions and mortgage lenders target, reach, and interact with their prospective and current clients. While prescreen campaigns may have leaned on traditional methods like direct mail in the past, today’s consumers expect faster, more convenient communication—particularly through digital channels. Email has quickly become a preferred method for delivering prescreen offers due to its speed, efficiency, and low cost. At the same time, phone outreach—especially through mobile and SMS—continues to be a powerful way to connect with consumers in real time. Together, these digital channels allow businesses to run more responsive, data-driven campaigns that reach users where they’re most likely to engage. But before you launch your next prescreen campaign, it’s critical to ensure that you have the right contact information in place. In this article, we’ll explore how email append and phone append can help enrich your existing consumer data—improving deliverability, expanding your reach, and driving better results across your marketing efforts. What are email and phone append? Email append is the process of adding missing or updated email addresses to your existing customer database using trusted third-party data sources. Starting with a name and postal address, businesses can match records and add deliverable email addresses—helping ensure your message lands in the right inbox. Phone append follows the same concept. Using a consumer’s name and address, phone append services identify and attach the most accurate mobile or landline numbers. This allows marketers to reach customers via SMS or phone calls, adding another layer of flexibility to your outreach. Together, these tools power a more complete, compliant, and effective prescreen campaign—especially when used in tandem. 5 reasons to use email and phone append for prescreen campaigns Prescreen campaigns are most effective when they reach the right people, at the right time, through the right channels. By leveraging both email and phone append, you can enhance targeting, improve engagement, and streamline your outreach. Let’s now look at five key reasons why both are essential to a successful prescreen strategy. Reach a larger audience Prescreen offers are time-sensitive, and your ability to deliver them quickly can make or break your campaign. Email and phone append allow you to reach a much larger segment of your audience than direct mail alone. By enriching your records with both email addresses and phone numbers, you gain multiple points of contact—ensuring your message is seen and increasing the likelihood of engagement. Whether someone prefers a text, a call, or an email, you’ll be ready to meet them there. Accelerate response rates Email and SMS deliver messages instantly. With email append, users receive your offer in their inbox within seconds of sending. Similarly, phone append gives you access to mobile numbers for rapid-fire SMS campaigns or outbound calls. Compared to the days or even weeks it takes direct mail to reach a mailbox, digital outreach leads to faster decision-making and a shorter conversion cycle. Enhance customer satisfaction Consumers expect convenience—and offering them a choice in how they engage is a great way to deliver it. Some prefer the low-pressure nature of email. Others may respond more readily to a personalized text message or phone call. Phone and email append services enable multichannel communication, allowing you to tailor your outreach to individual preferences. The result? A more seamless customer experience that boosts satisfaction and response rates. Increase the accuracy of your data When it comes to prescreen campaigns, accurate contact data is essential for reaching your audience quickly and effectively. Email and phone append both play a critical role in filling data gaps and ensuring your outreach is based on verified, up-to-date information. With email append, you can confirm deliverable addresses before sending, while phone append ensures mobile and landline numbers are accurate and callable. Together, they help your team engage confidently—knowing your offers are reaching real people through the right channels. Reduce overhead costs Direct mail comes with design, printing, and postage costs that quickly add up. By shifting prescreen communications to digital channels—powered by email and phone append—you significantly reduce overhead. Digital communication is faster, more cost-effective, and easier to scale. Plus, multichannel outreach often drives better results, giving your team more ROI from each campaign. Experian makes prescreen campaigns easy At Experian, we believe that data should guide your business’s every move. Whether you’re prepping your company’s prescreen campaigns or want to ensure you’re reaching clients with the correct data, we’re here to help. Our team of data quality experts can connect you with the tools and software necessary to get started. Contact us to learn more
See how Experian Data Quality and Tessitura streamline address entry with real-time validation for more accurate member and donor data.
