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TransUnion is a leading global information and insights company that facilitates trust between businesses and consumers, helping people worldwide access opportunities for a higher quality of life. The company is grounded in its heritage as a credit reporting agency and has developed robust and accurate databases for a significant portion of the adult population in the markets it serves. TransUnion uses identity resolution and data fusion methodologies to link and match high-quality datasets, enriching its data and analytics to provide insightful solutions while maintaining compliance with global laws and regulations.
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U.S. Markets - Provides consumer reports, actionable insights, and analytics to businesses for customer acquisition, assessing consumer payment ability, identifying cross-selling opportunities, managing debt portfolio risk, collecting debt, verifying consumer identities, and mitigating fraud risk.
- Financial Services - Offers services related to mortgage, consumer lending, auto, and card and banking.
- Emerging Verticals - Includes various industries such as healthcare, insurance, and public sector.
- Consumer Interactive - Provides credit monitoring and identity protection services.
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International - Operates globally in over 30 countries and territories, providing similar services as the U.S. Markets segment, tailored to regional needs.
| Name | Position | External Roles | Short Bio | |
|---|---|---|---|---|
Christopher A. Cartwright Executive | President & CEO | Board Member at P33 Chicago; Trustee at Museum of Science and Industry. | Joined TRU in 2013; became CEO in 2019; led TRU's transformation into a global information and insights company. | View Report → |
Heather J. Russell Executive | EVP, Chief Legal Officer | Board Member at U.S. Chamber of Commerce; Board Member at Chicago Council on Global Affairs; Board Member at Illinois Legal Aid Online. | Joined TRU in 2018; oversees legal, compliance, and governance functions; extensive experience in financial services law. | |
Steven M. Chaouki Executive | President, U.S. Markets | Board Member at MAIA Biotechnology, Inc.; Board Member at Spring Labs. | Joined TRU in 2013; leads U.S. Markets; previously EVP of Financial Services. | |
Susan W. Muigai Executive | EVP, Chief Human Resources Officer | Board Member at Coursera, Inc.; Board Member at Breakfast Club of Canada. | Joined TRU in 2021; leads HR strategy; previously held leadership roles at Walmart. | |
Timothy J. Martin Executive | EVP, Chief Global Solutions Officer | Board Member at Child Rescue Coalition; Board Member at Juvenile Diabetes Research Foundation of South Florida. | Joined TRU in 2009; oversees global product and solution strategy; announced retirement in 2026. | |
Todd C. Skinner Executive | President, International | Board Member at Cliffside Capital; Board Member at Buro De Credito; Representative on U.S.-India Business Council. | Joined TRU in 2014; leads international markets; previously Regional President for Canada, Latin America, and the Caribbean. | |
Todd M. Cello Executive | EVP, Chief Financial Officer | Member of the University of Illinois at Chicago’s College of Business Advisory Council. | Joined TRU in 1997; played a key role in TRU's IPO and leveraged buyouts; oversees financial operations. | |
Venkat Achanta Executive | EVP, Chief Technology, Data & Analytics Officer | None. | Joined TRU in 2022; leads technology, data, and analytics strategy; previously held leadership roles at Neustar, Walmart, and AIG. | |
Hamidou Dia Board | Director | VP, Global Head of Generative AI Solution Architecture at Google Cloud; Member of Go-To-Market Advisory Board at CapitalG. | Joined TRU in 2022; extensive experience in IT transformations and cloud solutions. | |
Linda K. Zukauckas Board | Director | Board Member at Zelis. | Joined TRU in 2023; former CFO of Nielsen Holdings; extensive financial expertise. | |
Pamela A. Joseph Board | Non-Executive Chairperson of the Board | CEO and Executive Chair at Xplor Technologies; Board Member at Paychex, Inc.; Board Member at Adyen N.V.; Operating Partner at Advent International. | Joined TRU in 2015; became Chairperson in 2020; extensive experience in payments and financial services. | |
Ravi Kumar Singisetti Board | Director | CEO and Board Member at Cognizant Technology Solutions; Board Member at Digimarc Corporation; Board Member at U.S. Chamber of Commerce; Board of Governors at New York Academy of Sciences. | Joined TRU in 2022; CEO of Cognizant; extensive experience in technology and consulting. | |
Russell P. Fradin Board | Director | Operating Partner at Clayton, Dubilier & Rice; Board Member at Hamilton Insurance Group. | Joined TRU in 2018; extensive experience in corporate governance and organizational transformation. | |
Suzanne P. Clark Board | Director | President and CEO of U.S. Chamber of Commerce; Board Member at AGCO Corporation; Board Member at The Economic Club of Washington, D.C.. | Joined TRU in 2017; extensive experience in government relations and corporate governance. |
- You mentioned that most of the technology cost rationalization from your transformation program will be actioned late in 2025, with savings not realized until 2026; can you discuss the potential risks or challenges that might delay these savings and how confident you are in meeting the 2025 completion timeline?
- With the Reserve Bank of India's tightening regulations leading to a deceleration in your growth in India over the last two quarters, how do you anticipate this will impact your international growth targets, and what specific strategies are you implementing to mitigate this slowdown in such a key market?
- Your adjusted tax rate increased due to an internal project to restructure your legal entities, and you expect future rates to be modestly higher given the evolving tax landscape; can you provide more details on this restructuring and how initiatives like the global minimum tax will affect your financials moving forward?
- Excluding the breach remediation wins, your Consumer Interactive revenue declined mid-single digits primarily due to your direct channel; what specific steps are you taking to address this decline, and when do you expect to see a return to growth in this segment?
- You've guided capital expenditures to decrease from 8% to 6% of revenue by 2026; considering the ongoing need for investment in analytics, software, and data, how will you balance these cost reductions with the necessity to invest in innovation to remain competitive in the rapidly evolving credit and data industry?
Notable M&A activity and strategic investments in the past 3 years.
| Company | Year | Details |
|---|---|---|
Trans Union de Mexico (Buró de Crédito) | 2025 | Acquisition Structure & Value: TransUnion will increase its stake from ~26% to ~94% by acquiring an additional 68% at a cash consideration of MXN 11.5 billion (approximately $560 million) and a total enterprise value of MXN 16.8 billion, funded with cash-on-hand and debt financing. Strategic Rationale: This move is designed to make TransUnion the largest credit bureau in Spanish-speaking Latin America, leveraging its global operating model while excluding the commercial credit business. |
Monevo | 2025 | Deal Structure & Funding: TransUnion, which already owned 30%, signed an agreement to acquire the remaining 70% of the U.K.-based Monevo from Quint Group Limited, funded with cash on hand, with closing expected by Q2 2025. Strategic Fit: The acquisition of this credit prequalification and distribution platform will enhance TransUnion's direct-to-consumer offerings and expand personalized credit solutions in the U.K. and U.S. markets. |
Verisk Financial Services | 2022 | Transaction Details: TransUnion closed this acquisition on April 8, 2022, for approximately $515 million (final recorded price of $504.5 million), fully funded with cash on hand, with key non-core businesses held for sale. Strategic Rationale: The deal strengthens TransUnion’s capabilities in predictive analytics, risk management, and financial inclusion by integrating core businesses like Argus into its U.S. Markets segment, with a valuation multiple of 12.5x 2021 Adjusted EBITDA. |