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."

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.

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

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

Is Forge able to automatically fix data issues in my pipelines?
Forge doesn’t take action on its own, but it does provide smart, contextual guidance based on past fixes. It helps teams resolve issues faster while keeping you in full control of the resolution process, which is key for maintaining SLA compliance and data quality monitoring.
How can decision-makers ensure the data they receive is actionable and easy to understand?
It's all about presentation and relevance. Whether you're using Tableau dashboards or traditional slide decks, your data should be tailored to the decision-maker's needs. This is where data observability dashboards and metrics aggregation come in handy, helping to surface the most impactful insights clearly and quickly so leaders can act with confidence.
How does the new Custom Metadata feature improve data governance?
With Custom Metadata, you can tag any asset, monitor, or domain in Sifflet using flexible key-value pairs. This makes it easier to organize and route data based on your internal logic, whether it's ownership, SLA compliance, or business unit. It's a big step forward for data governance and helps teams surface high-priority monitors more effectively.
Why is declarative lineage important for data observability?
Declarative lineage is a game changer because it provides a clear, structured view of how data flows through your systems. This visibility is key for effective data pipeline monitoring, root cause analysis, and data governance. With Sifflet’s approach, you can track upstream and downstream dependencies and ensure your data is reliable and well-managed.
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 makes Datadog and Splunk suitable for real-time data observability?
Both Datadog and Splunk excel at real-time telemetry instrumentation. They capture logs, metrics, and traces across applications, pipelines, and infrastructure. This real-time detection and unified observability platform make them great for environments where data reliability depends on fast incident detection and root cause analysis.
Can business users benefit from data observability too, or is it just for engineers?
Absolutely, business users benefit too! Sifflet's UI is built for both technical and non-technical teams. For example, our Chrome extension overlays on BI tools to show real-time metrics and data quality monitoring without needing to write SQL. It helps everyone from analysts to execs make decisions with confidence, knowing the data behind their dashboards is trustworthy.
Can Sifflet help reduce false positives during holidays or special events?
Absolutely! We know that data patterns can shift during holidays or unique business dates. That’s why Sifflet now lets you exclude these dates from alerts by selecting from common calendars or customizing your own. This helps reduce alert fatigue and improves the accuracy of anomaly detection across your data pipelines.
Still have questions?