DATA OBSERVABILITY FOR INSURANCE REGULATION

Your regulator changed the question. Are you ready to answer it?

The bar used to be: did you submit the report on time? It is now: can you prove, continuously, that the data behind that report is trustworthy?
That is not a reporting problem. It is a control infrastructure problem.

Four demands. No existing infrastructure was built to meet them.

Whether you answer to the ACPR, the PRA, or NAIC, regulators are converging on the same four operational expectations: continuous data quality, end-to-end lineage, documented remediation, AI governance. The gap between those expectations and what most insurers can actually demonstrate today is the problem Sifflet closes.

"Regulatory compliance used to be a reporting tool problem. It is now a continuous control problem — and your existing data infrastructure was never designed for it."

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Continuous Data Quality

Prove data quality on a date that isn't the audit date. Most insurers can show clean data at submission time. Regulators now want proof it was clean throughout the year.

End-to-End Lineage

Trace a reported number back to its source without weeks of forensic reconstruction. In most insurers today, lineage is tribal knowledge — held by individuals, not documented systems.

Documented Remediation

Show the auditor what went wrong, what was done, and when. Today that evidence is scattered across tickets, emails, and shared spreadsheets — not a defensible audit trail.

AI Governance

Demonstrate the data foundation behind every model decision. The model team and the data team rarely share a lineage view — creating accountability gaps regulators are actively probing.

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From periodic attestation to continuous control

Four use cases where Sifflet closes the gap between what regulators now expect and what insurers can actually demonstrate today.

USE CASE #1

Continuous Quality on Capital & Reserving Inputs

‍The challenge: Insurers can show clean data on submission day. They cannot prove it was clean on any other day of the year. Supervisors — including the ACPR, the most active NCA on this topic — are now asking exactly that question.

‍The Sifflet edge: Automated, continuous quality scoring on every source feeding technical provisions, from policy admin to external data to the actuarial model layer. Every check timestamped. Every anomaly documented.

  • Real-time quality scores on all regulated data sources, updated continuously
  • Automated incident record: cause, impact, remediation, time to resolution
  • Audit-ready reports available any day, not just after a submission
USE CASE #2

End-to-End Lineage for Actuarial and Financial Reporting

‍The challenge: Regulation models require granular disclosure that exposes lineage gaps. Supervisors ask how a reported figure was derived. The honest answer in most insurers is: manually reconstructed over several days, by people who remember.

‍The Sifflet edge: Automated lineage from every source system through every transformation into actuarial models, BI, and AI outputs. One click to trace any reported number back to its origin — no reconstruction required.

  • Full lineage graph from raw source to final disclosure line
  • Impact analysis: know in seconds which reports are affected by an upstream issue
  • Lineage is documented infrastructure, not individual memory
USE CASE #3

AI and Pricing Model Governance

‍The challenge: Regulators are requiring documented governance over the data feeding algorithmic pricing decisions. In the US, Colorado 10-1-1 sets a compliance deadline of 1 July 2026 for auto and health insurers. In the EU and UK, the same expectation is hardening under DORA and the AI Act.

‍The Sifflet edge: Full lineage and monitoring across all model inputs. When a pricing model produces an unexpected output, root cause traces back to the exact data change that triggered it — documented, not reconstructed.

  • Lineage into every pricing and underwriting model, auditable by regulators
  • Drift detection when input data patterns shift and model assumptions break
  • Governance documentation exportable for NAIC AI Bulletin and Colorado 10-1-1

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USE CASE #4

Audit-Ready Incident Documentation

‍The challenge: When a supervisor asks what went wrong with a dataset and what was done about it, the answer should not take a week to produce. In most insurance data teams, remediation history lives in JIRA tickets, Slack threads, and shared spreadsheets — not a single auditable record.

‍The Sifflet edge: Every data incident — cause, business impact, remediation steps, resolution time — captured automatically in a single record. Exportable for internal audit, external supervisors, or actuarial function review at any time.

  • Single record of truth per incident, from detection to resolution
  • Business Impact scoping: which reports, models, and decisions were affected
  • Export-ready for ACPR, PRA, NAIC, or internal audit, on any day of the year

Enterprise Security

SOC 2 Type II certified with advanced encryption and access controls. Purpose-built to handle sensitive PII data with the security standards insurance companies require.

Seamless Integration

Connect to your existing policy systems and data warehouses without disruption. Pre-built connectors for major insurance software providers.

Scalable Architecture

Handle millions of policies with enterprise-grade performance. Scale monitoring across all lines of business from personal to commercial insurance.

Continuous control. One platform.

Sifflet makes the four regulatory demands operational — continuous data quality, end-to-end lineage, documented remediation, AI governance. Whether you answer to the ACPR, the PRA, or NAIC.

Sifflet’s AI Helps Us Focus on What Moves the Business

What impressed us most about Sifflet’s AI-native approach is how seamlessly it adapts to our data landscape — without needing constant tuning. The system learns patterns across our workflows and flags what matters, not just what’s noisy. It’s made our team faster and more focused, especially as we scale analytics across the business.

Simoh-Mohamed Labdoui
Head of Data
"Enabler of Cross Platform Data Storytelling"

"Sifflet has been a game-changer for our organization, providing full visibility of data lineage across multiple repositories and platforms. The ability to connect to various data sources ensures observability regardless of the platform, and the clean, intuitive UI makes setup effortless, even when uploading dbt manifest files via the API. Their documentation is concise and easy to follow, and their team's communication has been outstanding—quickly addressing issues, keeping us informed, and incorporating feedback. "

Callum O'Connor
Senior Analytics Engineer, The Adaptavist
"Building Harmony Between Data and Business With Sifflet"

"Sifflet serves as our key enabler in fostering a harmonious relationship with business teams. By proactively identifying and addressing potential issues before they escalate, we can shift the focus of our interactions from troubleshooting to driving meaningful value. This approach not only enhances collaboration but also ensures that our efforts are aligned with creating impactful outcomes for the organization."

Sophie Gallay
Data & Analytics Director, Etam
" Sifflet empowers our teams through Centralized Data Visibility"

"Having the visibility of our DBT transformations combined with full end-to-end data lineage in one central place in Sifflet is so powerful for giving our data teams confidence in our data, helping to diagnose data quality issues and unlocking an effective data mesh for us at BBC Studios"

Ross Gaskell
Software engineering manager, BBC Studios
"Sifflet allows us to find and trust our data"

"Sifflet has transformed our data observability management at Carrefour Links. Thanks to Sifflet's proactive monitoring, we can identify and resolve potential issues before they impact our operations. Additionally, the simplified access to data enables our teams to collaborate more effectively."

Mehdi Labassi
CTO, Carrefour Links
"A core component of our data strategy and transformation"

"Using Sifflet has helped us move much more quickly because we no longer experience the pain of constantly going back and fixing issues two, three, or four times."

Sami Rahman
Director of Data, Hypebeast

Frequently asked questions

What role do tools like Apache Spark and dbt play in data transformation?
Apache Spark and dbt are powerful tools for managing different aspects of data transformation. Spark is great for large-scale, distributed processing, especially when working with complex transformations and high data volumes. dbt, on the other hand, brings software engineering best practices to SQL-based transformations, making it ideal for analytics engineering. Both tools benefit from integration with observability platforms to ensure transformation pipelines run smoothly and reliably.
What’s coming next for the Sifflet AI Assistant?
We’re excited about what’s ahead. Soon, the Sifflet AI Assistant will allow non-technical users to create monitors using natural language, expand monitoring coverage automatically, and provide deeper insights into resource utilization and capacity planning to support scalable data observability.
Why is data storage so important for data observability?
Great question! Data storage is the foundation of any data observability strategy. Without reliable storage, you can't trust the data you're monitoring or trace issues back to their source. At Sifflet, we believe observability starts with making sure your data is stored correctly, consistently, and accessibly. That way, your alerts, dashboards, and root cause analysis are built on solid ground.
What is SQL Table Tracer and how does it help with data observability?
SQL Table Tracer (STT) is a lightweight library that extracts table-level lineage from SQL queries. It plays a key role in data observability by identifying upstream and downstream tables, making it easier to understand data dependencies and track changes across your data pipelines.
What are the key components of an end-to-end data platform?
An end-to-end data platform includes layers for ingestion, storage, transformation, orchestration, governance, observability, and analytics. Each part plays a role in making data reliable and actionable. For example, data lineage tracking and real-time metrics collection help ensure transparency and performance across the pipeline.
How does a data observability platform help improve inventory accuracy?
A data observability platform continuously monitors inventory data using real-time metrics and anomaly detection. It compares RFID scans with POS transactions, flags inconsistencies, and tracks key inventory KPIs. This helps retailers maintain more accurate stock levels and reduce shrinkage or overstocking.
Can I add non-integrated tools like Salesforce or HubSpot to my data catalog?
Absolutely! With Sifflet’s declarative framework, you can programmatically declare assets from tools like Salesforce, SAP, or HubSpot, even if they aren’t natively integrated. This helps you maintain a complete and unified view of your data ecosystem for better data governance.
Why are traditional data catalogs no longer enough for modern data teams?
Traditional data catalogs focus mainly on metadata management, but they don't actively assess data quality or track changes in real time. As data environments grow more complex, teams need more than just an inventory. They need data observability tools that provide real-time metrics, anomaly detection, and data quality monitoring to ensure reliable decision-making.
Still have questions?