- Regulatory change solution and implementation according to CRR3 requirements, along with Reg Support services
- Regulatory reporting data process: maintenance, including loading processes, quality control, and final report generation
- Market data database data process
- Loan pricing service
- EMIR reporting data process
- System migrations, especially data process validation, quality control, reconciliations, and reporting of validation, monitoring, and reconciliation
- Annual stress tests for banking supervisors
Tailored Solutions and Professional Services
At the core of everything we do is trust. We firmly believe that the greatest value is created by truly working together, side by side. Our long-term client relationships and the feedback we receive show that we are on the right path.
With our customized solutions and top-tier expert team, you gain the years of experience and technology of our entire company. This enables us to support small service packages as well as smoothly execute large projects with extensive knowledge. Our strong understanding of both business and data makes us a seamless piece that integrates into any system.
Tailored continuous services
In addition to our solutions, we have developed high-quality RaaS solutions customized to meet the needs of our long-term customers. We provide tailored services securely and efficiently. Transparency and flexibility are the key principles of our services, and after implementation projects, we are happy to continue delivering the service or support the customers in independently taking control of the solution if needed. Typically, our other solutions are built on top of pre-existing software acquired by the customer.
Tailored continuous services
In addition to our solutions, we have developed high-quality RaaS solutions customized to meet the needs of our long-term customers. We provide tailored services securely and efficiently. Transparency and flexibility are the key principles of our services, and after implementation projects, we are happy to continue delivering the service or support the customers in independently taking control of the solution if needed. Typically, our other solutions are built on top of pre-existing software acquired by the customer.
Professional Services and Resourcing
Every situation is unique and often requires an individualized approach. Our team of experts consists of experienced top professionals in the financial industry. The size of our teams and the diverse work tasks of our experts enable our areas of expertise to deepen and evolve dynamically over time. Our in-house training programs produce experts particularly for the banking and financial sectors, which has proven to be a competitive advantage over the years. We are also particularly proud that our experts are eager to develop themselves by acquiring and maintaining certified expertise. Often, our experts act as representatives of our clients in roles that would otherwise be difficult to fill.
Our work typically involves complex and large-scale projects, planning and implementing reforms or business changes, conducting regulatory impact assessments and implementation, and handling tasks that require exceptionally detailed knowledge. Our special expertise lies in combining our deep understanding of banking operations with global trends and the management of data and technology.
Uncertainty or ambiguity is often an inseparable part of a complex operating environment, making it a natural state for us. An essential part of our expertise is the ability to manage and tolerate uncertainty and to transform it into more concrete and clear entities. Additionally, we feel at home in multi-vendor environments and various methodologies — we understand that culture and security are crucial parts of the whole.
Examples of Our Customer Specific Services
We have developed tailored services particularly in the field of balance sheet management. Working independently of systems, we have modeled interest rate and liquidity risk, created scenarios for both internal risk management and regulatory purposes, produced forecasts for net interest income (NII) and the economic value of equity (EVE), and implemented calculations for expected credit losses (ECL). Our most satisfied clients are those for whom we provide comprehensive monthly interest rate risk reporting, including analyses and actionable recommendations. Annual stress tests required by banking supervisors have become standardized interest rate risk scenario exercises, and we have successfully conducted these using various ALM systems.
The scope of regulatory reporting extends beyond the requirements of the European Banking Authority to include the reporting obligations of many local authorities. We have worked extensively with the reporting systems chosen by our clients—automating efficient data processes, managing regulatory interpretation, specification, and implementation projects, and developing, standardizing, and maintaining both internal and external reporting related to various regulatory requirements. For all these areas, we also provide ongoing services within the customer’s environment.
Our strong technological expertise has additionally enabled us to deliver automated, efficient, and well-supported data process services, such as the development and maintenance of data marts related to data warehousing. We seamlessly work with the technologies selected by our customers, and thanks to our wide-ranging expert roles, we are capable of implementing even the most challenging solutions.
Safety Valve
As one of our close customer put it – a safety valve!
Our expert services seamlessly complement hard-to-fill specialist roles, effectively reducing personnel-related risks in a cost-efficient manner.
A versatile expert or a specialist – always in a securely packaged solution. We can provide both individual experts and entire teams to support your daily business operations, deliver existing services, and develop both existing and new processes.
Balance Sheet Management Implementations, Support Services, and Expertise
In the world of modern banking products, extensive risks, and strict regulations, managing balance sheet functions — such as interest rate and liquidity risk management and their implications for capital management — can no longer be done with just “a few rows in Excel.”
With over 20 years of experience in balance sheet management system implementations, support services, and expertise, we have delivered immense value to the core of our customers’ businesses. Our expertise covers technical solutions that enable, enhance, and automate balance sheet management processes, whether using the customer’s chosen system or through our trusted partner.
We also offer business support services, including interest rate risk modeling and the development and maintenance of reports related to the IRRBB framework, forming a strong part of our service offering.
We have been FIS Global’s European – and specifically Nordic – partner since the founding of our company. We have an excellent understanding of the capabilities of FIS’s Balance Sheet Manager (BSM) system and have successfully implemented the BSM system and provided development and support services to our satisfied customers.
- The Most Efficient Implementations in the Market
- Fast Support Services for Product Usage and Maintenance
- Separate Development Projects for Product Usage, including New Version and Module Implementations
- Interest Rate Risk Modeling (NII, EVE) Across Various Scenarios
- Liquidity Modeling and Calculations, Supporting Both Internal Reports and Even Daily Frequency Reporting
- Expected Credit Loss (ECL) Modeling and Calculation
- Hedge Accounting (HA)
We also provide comprehensive support for the entire process of loading necessary source data into the balance sheet management system, as well as producing automated, standardized, and, if needed, customized reporting. Alongside the FIS BSM product, we have developed a data loading tool and a reporting data model.
Implementations, Support Services, and Expertise for Treasury Operations
Treasury functions – whether as a crucial operation in a bank or a central function in a corporation – are in today’s world very diverse. From managing precisely timed payment transactions and daily liquidity management to different funding activities and managing various risks. We provide expert services to support the treasury operations of banks and corporations. Our expertise focuses on technical solutions that enable, enhance, and automate treasury processes.
We offer comprehensive solutions for nearly every area of treasury operations, as well as complete Front-to-Back solutions, including system implementations.
- Treasury Data Management and Data Pipelines
- Derivatives
- Collateral Management (ISDA, CSA, GMRA)
- Payment Transactions
- Treasury Portfolio Accounting
- System Integrations
- Cash and Liquidity Management
- Trade Confirmation Processes
- Regulatory Reporting (EMIR, SFTR)
We operate as a local FIS Global partner in the Nordic countries, offering the FIS Treasury and Risk Manager – Quantum Edition treasury system as a Front-to-Back solution. As an official FIS partner, ALM Partners delivers this system efficiently and tailored to the customer’s needs. With extensive experience, we conduct system implementations and provide user support and small-scale development projects.
Thanks to the collaboration between ALM Partners and FIS, our clients gain access to one of the world’s leading treasury systems, continuously developed based on a global customer base and market practices. As a local implementation partner, ALM Partners ensures that the system is implemented to meet the specific needs of each client. Our deep knowledge of the banking industry and proactive approach guarantee successful and efficient implementation projects.
Read reference related to treasury implementation: Quantum implementation for the Central Bank of Savings Banks
ALM Partners
Project Deliveries
Are you considering launching a large-scale system replacement project? Or are you in need of a single resource to support an ongoing project?
The key ingredient to successful projects and comprehensive initiatives is collaboration. We always plan projects together with our clients, transparently listing the necessary resources and technology to keep project costs within the desired range. Effective cooperation throughout the entire project is invaluable, and our experts are happy to answer any questions at every stage of the project.
We offer planning, resourcing, and delivery of projects from start to finish as a complete package. We handle project management, resourcing of specialized experts and teams, scheduling, and dependencies with third parties, including platform providers.
We have provided significant added value to projects by acting as the client’s representative in roles that might otherwise be challenging to fill with suitable employees — whether due to the need for specialized expertise or adequate resource allocation. We have experience and expertise in both financial industry substance and data. Depending on the nature of the project, we work independently or in small teams.
ALM Partners
Project Deliveries
Are you considering launching a large-scale system replacement project? Or are you in need of a single resource to support an ongoing project?
The key ingredient to successful projects and comprehensive initiatives is collaboration. We always plan projects together with our clients, transparently listing the necessary resources and technology to keep project costs within the desired range. Effective cooperation throughout the entire project is invaluable, and our experts are happy to answer any questions at every stage of the project.
We offer planning, resourcing, and delivery of projects from start to finish as a complete package. We handle project management, resourcing of specialized experts and teams, scheduling, and dependencies with third parties, including platform providers.
We have provided significant added value to projects by acting as the client’s representative in roles that might otherwise be challenging to fill with suitable employees — whether due to the need for specialized expertise or adequate resource allocation. We have experience and expertise in both financial industry substance and data. Depending on the nature of the project, we work independently or in small teams.
ALM Partners
Still pondering on the right solution?
Feel free to reach out and ask how we can help! We are solution-oriented, eager to take action, and committed to being a genuine, honest partner for our clients. Our steady growth has been built on our willingness to embrace clients’ challenges and needs and work tirelessly to find and implement the right solution.
Our strength in this — as in everything else — lies in our ability to approach challenges with a sufficiently broad perspective. This ensures that the solution, whether big or small, integrates seamlessly with the business and existing implementations so that it continues to function smoothly and flexibly in the future.