We designed and built a regulatory reporting integration platform over 20 weeks. Phase 1 (weeks 1-5): data extraction and integration layer. We built custom connectors for the Temenos T24 core banking system that extract regulatory reporting data in real-time through a combination of T24 APIs, database change data capture, and custom extraction routines for data elements not exposed through standard interfaces. The extraction layer handles T24's complex multi-value and sub-value field structures, performing the decompression and normalization that downstream reporting requires. A regulatory data warehouse (PostgreSQL on AWS Dublin) receives extracted data with full lineage tracking: every data element is traceable from its source field in T24 through every transformation to its destination in the regulatory report. Phase 2 (weeks 4-10): report transformation engines.
For each of the 47 regulatory reports, we built custom transformation engines that implement the precise business rules, validation logic, and output formatting that each regulator requires. CBI returns: custom transformers producing XML submissions conforming to CBI XBRL taxonomies, with built-in validation against CBI business rules (the CBI publishes detailed validation rules that submissions must pass before acceptance). Central Credit Register: transformation engine mapping T24 loan data to CCR reporting formats with borrower matching logic and threshold calculations. ECB AnaCredit: the most complex transformer, producing granular credit data reports with 90+ attributes per credit exposure, counterparty reference data, and protection data -- implementing the ECB's AnaCredit reporting manual validation rules. EBA COREP/FINREP: transformation engines producing XBRL-formatted prudential and financial reports with cross-report validation (ensuring consistency between related submissions). Revenue FATCA/CRS: identification of reportable accounts, transformation to IRS and OECD XML schemas, and TIN validation for each reporting jurisdiction.
Each transformer includes over 200 automated validation checks that catch data quality issues before submission -- catching the errors that previously resulted in restatements. Phase 3 (weeks 8-16): automated submission and monitoring. Automated submission workflows handle each regulator's portal and file format requirements: CBI Online Reporting System (ONR) submission via automated web service, ECB statistical data submission through SDMX web services, EBA submission through the EBA filing system, and Revenue ROS integration for FATCA/CRS filing. Each submission is recorded with full audit trail: data extraction timestamp, transformation version, validation results, submission timestamp, and regulator acknowledgement. A monitoring dashboard provides real-time visibility into reporting status across all 47 reports: upcoming deadlines, preparation status, validation results, submission status, and regulator feedback. Phase 4 (weeks 14-20): governance and enhanced AnaCredit. Data governance framework documents every data flow, transformation rule, and validation check.
Change management ensures that regulatory rule changes (updated taxonomies, new validation rules, revised business logic) are implemented, tested, and deployed through a governed release process. Enhanced AnaCredit reporting absorbed the ECB's expanded requirements within the new platform architecture -- the modular transformation engine made it straightforward to add new data attributes and validation rules without rebuilding existing functionality.