Pension data management for the General Code of Practice

The Pension Regulator’s General Code of Practice requires pension providers to implement an Effective System of Governance (ESoG) with strong data quality. In a tightly regulated sector, providers often inherit data they didn’t collect, and it’s rarely reviewed by the data subject, making it difficult to maintain high data standards.

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Transform pension data into trusted insights

Pension schemes often struggle with outdated, incomplete or duplicated member data, making it difficult to maintain accurate records and meet regulatory expectations.

Experian’s automated data management solution empowers pension providers to overcome these challenges by delivering a single, trusted view of each member through advanced data cleansing, enrichment and reconciliation.

With Experian’s solution, providers can:

  • Assist in navigating pension regulation updates
  • Improve operational efficiency and reduce manual data handling
  • Enhance member engagement, especially for those nearing retirement
  • Leverage tools like Aperture Data Studio for continuous data quality
  • Use ExPin for precise data deduplication and Supertrace for member reconnection
  • Strengthen decision-making and mitigate risk across the organisation

Powering pension providers with data confidence

High-accuracy data matching

Uses proprietary datasets and tools like ExPin to deliver precise member matching and deduplication, even across name or address changes.

Regulatory compliance support

Helps pension providers meet The Pensions Regulator’s General Code of Practice by maintaining accurate verified and up-to-date member data.

Risk mitigation

Identifies and addresses risks related to inaccurate or suspicious data, reducing exposure to fraud and regulatory penalties.

Reputation protection

Ensures data integrity and compliance, helping providers avoid reputational damage from poor data practices or regulatory breaches.

Improved decision-making

Provides real-time, enriched data and dashboards to support informed business and compliance decisions.

Enhanced data quality

Continuously updates and enriches member data across systems, improving accuracy and completeness.

Streamlined due diligence

Enables targeted workflows for high-risk and standard-risk customers, supporting efficient compliance and onboarding.

Better customer experience

Reduces manual outreach and improves communication by ensuring member contact details are accurate and up to date.

Ongoing remediation

Mitigates operational and compliance risks by ensuring data accuracy, consistency and integrity.

How the process works

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  • Step 1: Connect your data sources
  • Step 2: Assess data quality
  • Step 3: Clean and standardise records
  • Step 4: Enhance member information
  • Step 5: Eliminate duplicates
  • Step 6: Visualise and report
  • Step 7: Validate for compliance
  • Step 8: Verify identity and contact details

Why choose us?

End-to-end automation

Unlike many manual or semi-automated solutions, Experian offers a fully automated data quality solution that reduces cost, time, and human error.

One member, one record

Experian’s tools reconcile and enrich member data to create a single, trusted view of each individual, improving accuracy and compliance.

Advanced tools and technologies

Integrated data management tools including Aperture Data Studio for easy, visual data workflows, ExPin for accurate deduplication and identity matching, and Supertrace for fast, large-scale member tracing and reconnection.

Comprehensive data enrichment

Services include address, phone, and email appends, identity verification and international data validation, covering 60 countries and 86% of global GDP.

Our solutions

Aperture Data Studio

A low/no-code platform for managing member data quality. It enables automated workflows, visual dashboards, and ongoing compliance reporting to support an effective system of governance.

Discover Aperture >

Supertrace

A scalable tracing tool that quickly reconnects with thousands of individuals using current and historical address data, supporting compliance and engagement.

Discover Supertrace >

Behavioural Biometrics and Device Intelligence

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Helps pension providers detect account takeover, impersonation and scam-related risk across high-value member journeys. By combining device, session and behavioural signals in real time, providers can step up suspicious activity, reduce false positives and protect members without adding unnecessary friction.

Discover Behavioural Biometrics and Device Intelligence >

Financial Crime Compliance

With sophisticated financial crime, it’s more important than ever to know who you’re in business with. Fight financial crime with the latest technology, third-party data and automated checks.

Discover FinCrime Compliance >

CrossCore Identity Services

A comprehensive identity verification solution that supports age, payment, AML, document and mortality checks ensuring regulatory compliance and a smooth customer experience.

Discover CrossCore >

Identity Connect

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Enables secure, compliant onboarding by building GPG45-aligned identity profiles using document and biometric alongside trusted Experian Identity and Fraud data.

Discover Identity Connect >

Speak to an expert about pension remediation for your customers.

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