Consulting

We also give you all the necessary advise and support to manage your operational and financial processes and the risks involved.

Our team of highly trained professionals deliver a range of specialist services that can be adapted to the size and type of your organisation

Our services include:

Risk Management

• Calculation of expected losses and collective reserves, in agreement with the new Annex IX, of Circular 4/2004 and IFRS 9.
• AQR – Stress Test.
• Elaboration of predictive models and management integration.
• Review and optimization of admission, follow-up and recovery processes.
• Valuation of portfolios and financial instruments.

Process organization and business transformation

• Optimization of organizational structures and models.
• Definition of process maps and elaboration of As-is / To-be models.
• Process diagnosis, identification of points for improvement, detection of operational inefficiencies sand prioritization of action lines.
• Redefinition of relationship, sale and distribution models (digital transformation).
• Definition of reporting model and conceptual design of dashboards based on KRIs and KPIs.

Technology

• Intermediation between business and technology, in order to  operate complex issues as “secondary actor”.
• Definition, implementation and direction of the management and control of a project management office (PMO).
• Developments and reviews of contingency and business continuity plans.
• Review of contracting processes, contracts’ follow-up, budget control and Service Level Agreements (SLA).
• Implementation of a Data Governance Framework.
• Business Intelligence solutions. Dashboards. Data exploitation cubes.
• Data Certification in Financial Systems through analysis of data’s relational integrity and internal coherence.
• Data  certification and support in technological migration or integration processes.

Regulation

• Adaptation to the new Unique Oversight Mechanism.
• Basil II/III and capital adequacy.
• Regulatory reporting (solvency, liquidity and financial statements).
• CIRBE (CBE 3/1995 and CBE 1/2013). Anacredit.
• RDA – Data governance and quality.
• Remunerations policy.
• MiFID II – MiFIR.
• Compliance with regulation on PRIIPS.

Financial Function

• Credit risk
• Income insurance
• Cash Management
• Financial reporting
• Corporate Treasury Services
• Actuarial services:
  • Asset and liability management / ALM management.
  • Valuation of technical reserves / financial investments.
  • Validation / development of internal models.
  • Embedded Value.
  • Employed Benefits.
  • Assistance in the implementation of Pillar I of Solvency II.
  • Restructuring of financial assets / Solvency II.
  • Valuation of financial instruments.
  • Certifications (pension plans…).
  • Business plan development.
  • Elaboration of technical papers/support to technical department.

Digital transformation

• Digital marketing
• Advanced client segmentation.
• Graphs – relationships among customers.
• Crossed selling
• Dynamic pricing.
• Loyalty (flight or dormant clients).
• New channels.
• Digital engagement
• Remote relationship.
• Customer experience
• CRM: review and creation of client behaviour models  to make decisions, identifying situations in different fields.
• Technological integrations: review of system integration and migration processes, through data integrity testing aimed to verify the information’s correct format, and parallel implementation focused on verifying the correct operation of end-to-end applications.