Climate Change Data

Environmental Metrics

ESG Focus Areas

• Good Governance
• Economic Good
• Social Good
• Environmental Good

Environmental Achievements

• Single use plastic utensils scheduled to be eliminated by 2020 in Chicago and Denver offices
• Environmental Management ISO certification accomplished in U.K. office
• Water efficiency improvements scheduled for 2021 in Chicago office
• Energy efficiency elevator improvements by 2021 in Chicago office
• 63% reduction in waste volume in Leeds, UK office from Q2 to Q4 2019
• In Data Center 1, frequency drives on chillers reduced energy consumption by 20% per machine; energy efficient cooling units reduced power consumption by 10% per unit; more efficient cooling tower projected 15% energy savings
• In Data Center 2, economizer cooling generated a carbon footprint offset of approximately 346,243 lbs

Social Achievements

• Commitment to gender parity in global leadership by 2030
• Commitment to year-over-year increase at all levels of management for under-represented groups
• 100% diverse candidate slates for Director hires and above
• Targeted development training for women and underrepresented groups
• Launched CreditCompass®, powered by VantageScore® 3.0, to help consumers improve their financial standing; 50% of users saw score improvement within six months
• Reached nearly half of the adult population in the U.S. (120 million consumers) through partnerships to enable them to take control of their financial future
• Enhanced online credit report dispute capabilities and optimized website for mobile use
• 100% score on the 2019 Human Rights Campaign Corporate Equality Index
• Endorsement of the Equality Act in conjunction with the Human Rights Campaign
• Increased volunteer hours by 35% during Good Works Month 2019 compared to 2018
• More than 14,200 volunteer hours logged by associates (23% more than 2018); more than $1.5 million in charitable contributions worldwide

Governance Achievements

• Established a new Technology, Privacy and Cybersecurity Board of Directors committee
• Refreshed Code of Business Conduct, annual trainings for all employees
• Established a secure process for California consumers to exercise their California Consumer Privacy Act rights
• Established Privacy Office
• Improved convenience of Privacy Policy information for consumers

Climate Goals & Targets

Environmental Challenges

• Growing complexity of risks affecting the industry (cybercrime and fraud)
• Data security threats
• Maintaining data accuracy
• Balancing tight matching logic with inclusivity of appropriate information

Mitigation Strategies

• Established Technology, Privacy and Cybersecurity Board committee
• Layered security framework based on multiple controls (identify, protect, detect, respond, recover)
• Regularly evaluates and deploys industry-leading security solutions
• Regular audits and assessments, penetration tests, simulated attacks
• Incident response planning and readiness, data incident tabletop exercises
• Information sharing and collaboration (FS-ISAC, National Technology Security Coalition)
• Investment in employee training and certifications (CISSP, CISA, CISM, etc.)
• Third Party Risk Management Program (TPRM)
• Rigorous data acquisition processes (furnisher policies, credentialing, quality checks)
• Industry-leading matching logic, automatic identification and correction of issues
• Data Furnisher Monitoring Program

Supply Chain Management

Responsible Procurement

• Third Party Risk Management Program (TPRM) sets guidelines for vendors, suppliers, and partners

Climate-Related Risks & Opportunities

UN Sustainable Development Goals

• SDG 5: Gender equality
• SDG 10: Reduced inequalities
• SDG 8: Economic growth and inclusion
• SDG 12: Responsible consumption and production
• SDG 13: Climate action

Initiatives aligned with these goals include commitment to gender equity in leadership, financial literacy programs, waste reduction efforts, and data center energy efficiency improvements.

Sustainable Products & Innovation

• CreditCompass®

Awards & Recognition

• 100% score on 2019 Human Rights Campaign Corporate Equality Index
• Caring Company award from Hong Kong Council of Social Service

Environmental Metrics

ESG Focus Areas

• Financial Inclusion
• Security, Governance & Compliance
• Environmental Footprint
• People and DEI

Environmental Achievements

• Gathered baseline greenhouse gas emissions information
• Set short- and medium-term climate change targets
• Secured renewable energy procurement for Leeds office

Social Achievements

• Achieved YOY increase in underrepresented groups in management
• Continued progress toward gender equity with a 5% increase in representation since 2019
• Adopted global unconscious bias training
• Launched diversity-focused mentorship and development opportunities for underrepresented groups
• Expanded mental health benefits to employees and families globally

Governance Achievements

• Disclosed additional detail on cybersecurity practices, certifications and training
• Disclosed additional detail on privacy trainings
• Began implementation of the recommendations from the Task Force on Climate-Related Financial Disclosures over a three-year period
• Made Political Engagement Policy externally available

Climate Goals & Targets

Environmental Challenges

• Maintaining data security in a rapidly evolving threat landscape
• Balancing the needs of diverse stakeholders in ESG priorities
• Addressing climate change impacts across the global operations and supply chain

Mitigation Strategies

• Investing in information security technology and training
• Regularly refreshing ESG materiality assessment
• Setting ambitious climate change targets and implementing reduction strategies

Supply Chain Management

Responsible Procurement

• Partnerships with diversity-focused organizations
• Second-tier supplier diversity requirements

Climate-Related Risks & Opportunities

Reporting Standards

Frameworks Used: SASB, TCFD, GRI, UN SDGs

Certifications: ISO 14001 (UK headquarters), ISO 27001 (Leeds, UK; Mumbai, India; Sao Paulo, Brazil), PCI DSS (TUCI US), SSAE 18 SOC 2 Type II (TUCI US)

UN Sustainable Development Goals

• SDG 8
• SDG 9
• SDG 10
• SDG 12
• SDG 13
• SDG 16

Environmental Metrics

ESG Focus Areas

• Cybersecurity
• Privacy
• Corporate Governance
• Financial Inclusion
• Employee Wellness
• Diversity, Equity, Inclusion, and Belonging
• Climate Change

Environmental Achievements

• Partnership with Constellation Energy Corporation to reduce carbon emissions by more than 8,000 metric tons annually.
• Achieved operational net zero scope 1 and scope 2 GHG emissions by 2025 (target).

Social Achievements

• Continued efforts to drive a culture of inclusion and belonging.
• Provided employees with access to free mental and behavioral health resources.

Governance Achievements

• Strengthened risk management and compliance.

Climate Goals & Targets

Environmental Challenges

• Climate change risks (though assessed as lower than some industries).
• Maintaining effective internal control over financial reporting (material weaknesses identified).

Mitigation Strategies

• Set climate change targets (operational net zero scope 1 and 2 by 2025, 30% reduction in leased real estate scope 3 emissions by 2030).
• Actively engaged in remediation efforts to address material weaknesses in internal control.

Supply Chain Management

Climate-Related Risks & Opportunities

Physical Risks

• Extreme weather events

Transition Risks

• Regulatory changes

Reporting Standards

Frameworks Used: SASB

Certifications: ISO/IEC 27001:2013, NIST CSF, PCI-DSS, HIPAA

Environmental Metrics

Climate Goals & Targets

Environmental Challenges

• Material weakness in internal control over financial reporting related to the classification of certain costs between cost of services and selling, general and administrative in the Consolidated Statements of Operations.

Mitigation Strategies

• Enhancing expense classification policy, implementing additional communications and training, improving cost validation process, and implementing controls to monitor cost recording.

Supply Chain Management

Climate-Related Risks & Opportunities