Azimuth Logo

Gain Greater Insight

Navigating today's regulatory environment is challenging because it's subjective.

Identify Process Variation and Effectiveness Through Full-Population Testing

A data-driven approach can remove the subjectivity.

With the increasing availability of data, regulators will also soon expect a data-driven compliance process.

Azimuth Validator Reporting

Download Our Case Study to Learn More

Through VALIDATOR you can now validate process design for compliance and monitor process and data management effectiveness.

Full-population testing will detect application-level process variation which may not be detected in sample-based testing.


Scenario 1

  • Bank merger, banks on different instances of MSP
  • Same full population test applied to data from both portfolios and MSP instances
  • Tested for borrower protection during forbearance period and up to 6 months after, if
    actively seeking assistance


  • Testing identified business process and data differences between the two portfolios for a specific group of customers in forbearance
  • Conversion without this insight could have negatively impacted one group of customers, requiring post conversion manual cleanup

Scenario 2

  • Large consumer loan sub – servicer tested compliance to required response times for qualified requests
  • Requirements vary across states


  • Testing identified compliance issues
  • Business processes not designed to capture the data required to demonstrate compliance
  • Processes and training did not consider state specific differences in timing and conditions
  • Identified non–compliance trends across certain types of requests, e.g., email vs. letters

See the Benefits