How Aptean and Experian Are Shaping the Future of Remediation for UK Financial Services

Remediation programmes for the financial services sector demand precision, speed and diligence. Ensuring fair outcomes and compliance with regulatory requirements, especially when working with short timescales and handling vast amounts of data, is no easy task.

However, delivering an effective remediation exercise requires more than just quick and efficient processes, it also means having the right data in place to fulfil the programme’s requirements. This becomes even more critical, and challenging, when remediation schemes span extended periods of time.

With this in mind, Aptean has entered into a partnership with global data and technology company, Experian. We are bringing together trusted data and advanced technology to streamline remediation processes for organisations in the financial services sector and beyond.

The alliance is particularly timely for those companies affected by the Supreme Court judgement and the Financial Conduct Authority’s (FCA) response on Motor Commissions, positioning Aptean, with our best-in-class complaint management system, Aptean Respond, and Experian as key partners to help your business manage the anticipated redress scheme.

Read on to discover how Aptean and Experian are transforming remediation in UK financial services. You’ll learn why this alliance was formed, how the integrated solution works, and the tangible benefits it delivers for your business.

Why We Have Come Together: The Whole Is Greater Than the Sum of Its Parts

By collaborating with Experian, we’re offering businesses a smarter way to navigate complex remediation demands, aiming for outcomes that are faster, fairer and more reliable.

Gerado Montoya, Chief Product Officer of Automotive from Experian said; “By working with Aptean Respond, we have created a comprehensive offering that simplifies the remediation process, while providing accurate and reliable information needed to meet regulatory requirements. We’re excited to see how this alliance will help companies better manage remediation.”

Jack Nicholls, Senior Account Manager for Aptean Respond said; “In our early conversations, it became clear that our clients face many of the same challenges on large-scale remediation programmes. At scale, the workload is immense, and a key issue is the lack of automation across these processes.”

“Bringing the Aptean Respond and Experian teams together revealed strong synergies. From this, we developed a joint solution that truly is greater than the sum of its parts - offering immense value to our current and prospective customers.”

How Our Partnership Works: Fully Integrated Remediation Solution and Extensive Data Services

Aptean Respond’s dedicated remediation solution now connects directly with Experian’s authoritative data services , automating vital steps in the remediation journey. From tracing customers and verifying identities to validating bank details, these processes are streamlined and fully integrated within the Aptean Respond platform.

By combining these systems, businesses benefit from a consistent claimant view with fully automated workflows for the majority of cases, improving speed and efficiency while eliminating costly delays and errors.

With Experian’s data embedded in our complaint management platform, you have a single source of truth for every case. Every Experian interaction is logged at case level, simplifying auditability. This makes your programme scalable and ensures you are ready to manage a mass remediation event quickly and painlessly.

Jack Nicholls commented on the alliance; “Each of our companies brings unique strengths, expertise and capabilities. Individually, those strengths are impressive. But together, the results are amplified, creating new value and new opportunities for our customers and financial services organisations.”

What Sets This Alliance Apart: The Value We Can Offer to Your Business

Our joint offering is designed to provide maximum value, ensuring that any remediation exercises you undertake run smoothly, quickly and effectively.

Here’s a look at the value that Aptean and Experian bring to your organisation:

• Reduced Spend With Increased Automation: Mass remediation events can be costly, involving large teams manually working through cases which is often slow and error prone. Automating workflows using trusted data reduces mistakes and frees your team to focus on higher-value work.

• Speed That Keeps You Ahead: Reducing manual workloads accelerates timelines, enabling you to deliver results promptly and return to business as usual.

• Accuracy and Controls That Protect You: Leveraging Experian’s trusted data ensures you’re working with accurate, up-to-date information, reducing both operational and compliance risks. Robust governance and system controls further support your ability to meet FCA requirements with confidence.

• Fairness That Builds Trust: Faster, more accurate remediation means your customers receive resolutions sooner and with greater fairness, boosting satisfaction and confidence.

• Scalability That Grows With You: If a redress scheme expands, your remediation operations can scale smoothly, providing the flexibility and confidence you need.

A Complete Remediation Solution for Now and The Future

The partnership between Aptean and Experian arrives at a crucial time, given the current focus on Motor Commissions. It combines unparalleled depth of knowledge and decades of experience supporting organisations through complex remediation schemes. Put simply, Aptean Respond manages the remediation process, while Experian ensures that you reach the right people with accurate, trusted data.

Remediation is a hot topic for the FCA which is consulting (CP25/22: Modernising the redress system) on regulation to support mass remediation events and achieve greater predictability, certainty and transparency for customers and financial organisations. Given this increased focus, it’s vital for financial institutions and insurance companies to have strong, first-rate processes in place, to handle these events smoothly, compliantly and fairly.

This alliance not only helps you to address today’s challenges, but it also equips your business for the future. It provides a robust and scalable platform capable of managing any programmes that need to be carried out.

Whether you’re a motor finance organisation looking for the right solution to manage the potential motor commissions redress scheme set to come, or a financial services company or insurer aiming to enhance your remediation strategy, this alliance offers a clear path to managing remediation with greater ease and confidence.

Get in touch with our team today to discover how Aptean Respond and Experian can support your remediation efforts.

About Experian

Experian is a global data and technology company, powering opportunities for people and businesses around the world. They help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using their unique combination of data, analytics and software. They also assist millions of people to realise their financial goals and help them to save time and money.

Experian operates across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

Experian invests in talented people and new advanced technologies to unlock the power of data and innovate. As a FTSE 100 Index company listed on the London Stock Exchange (EXPN), they have a team of 25,200 people across 32 countries. Experian’s corporate headquarters are in Dublin, Ireland. Learn more at experianplc.com.