CRA Wiz® Case Study
Enterprise Systems Architect & Compliance Data Specialist

CRA Wiz® — Wolters Kluwer (US)

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Project Overview

CRA Wiz® by Wolters Kluwer is a leading compliance and risk analytics platform used by banks, mortgage lenders and community banks across the United States. It makes it much easier to follow the federal Community Reinvestment Act (CRA) and the Home Mortgage Disclosure Act (HMDA).

It helps banks turn legal requirements into useful lending insight. It cleans and checks huge loan datasets, matches addresses to US Census tracts, spots fair lending risks, and produces ready-to-submit packages for federal regulators (FDIC, OCC, CFPB and the Federal Reserve).

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Technical Actions & Architecture

Mohammed Tajul Islam engineered high-volume data transformation pipelines, automated geocoding rules, and regulatory validation engines:

  • Automated Data Scrubbing & Geocoding: Built fast ETL validation pipelines that clean millions of loan records, fix location codes and match addresses to US Census tracts.
  • Fair Lending & Peer Analytics: Added analysis that looks for unfair gaps between groups, plus peer comparison dashboards to monitor lending in low- and moderate-income (LMI) areas.
  • Exam-Ready Audit Workpapers: Designed automatic report builders that produce HMDA Loan Application Registers (LAR) and exam documents that meet federal standards.
  • Enterprise Security & Data Governance: Put strict role-based access control (RBAC), separate data for each customer and encrypted storage in place, to meet US banking security requirements.
CRA Wiz® Performance & Compliance Analytics Dashboard

Strategic Value & Impact

CRA Wiz® cuts the work of compliance sharply. Preparing for a loan examination now takes days instead of months, with very accurate data. It gives bank executives the insight to plan community reinvestment, pass federal exams with strong ratings, and avoid regulatory penalties.