Case Study: Leading U.S. consumer and commercial bank achieves CCAR/DFAST compliance and stronger stress-testing models with Experian

Leading Consumer and Commercial Bank - Customer Case Study

Our client, a leading U.S. consumer and commercial bank within a global financial-services firm, faced new regulatory demands—particularly CCAR/DFAST and Basel-related requirements for its mortgage and home-loan products—but lacked sufficient in-house staff and documentation to develop, validate and defend rigorous loss‑forecasting and stress‑testing models to regulators and auditors.

Experian’s Global Consulting Practice partnered closely with the bank to design, refine and fully document primary and challenger loss‑forecasting models, provide ad hoc analytics, address documentation gaps and incorporate feedback from internal governance and regulators. The engagement improved model accuracy and performance, helped the bank meet compliance obligations while balancing profitability, and transferred knowledge to support long‑term model deployment.