ISO 20022 beyond translation
Structured addresses, MT101 exit, exceptions and investigations, and statement retirement—how to run ISO 20022 phase-two work as one remediation register through 2028.
Phase two is a data programme
Cutover survival with translators bought time. The dates that matter now—structured-only addresses, MT101 discontinuation, exceptions and investigations messaging, and MT9xx retirement—expose whether your customer, remittance and reconciliation data can actually support ISO 20022 without a crutch.
I run a four-week diagnostic that produces a single remediation register with owners and a 2026–2028 roadmap a CIO and CFO can fund together.
What good evidence looks like
You can show which customer records already meet structured address rules, which flows still depend on MT101-shaped behaviour, how exceptions will land on ISO 20022 messages, and which statement consumers still expect MT940-era formats. Translation debt is listed, not buried in vendor status decks.
Evidence a board or supervisor can use
- Structured-address data remediation plan
- MT101 exit path
- Exceptions and investigations readiness
- Register of translation debt
- 2026–2028 roadmap