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Wind Down Planning

White Paper

A Practical Guide to Wind Down Planning

Wind-Down Planning remains high on the agenda of the Financial Conduct Authority (FCA). The first part of this paper describes the WDP in more detail, summarising its purpose, differences to other regulatory requirements, and what information should a plan include for it to be compliant. The following section lays out practical considerations on the four key themes that firms should scrutinise when improving their WDP.

Reputational Risk

White Paper

Reputational Risk for Financial Institutions: The Quantitative Approach

Avantage Reply has designed a quantitative model for the assessment of Reputational Risk, traditionally considered as discretionary, subjective and highly prone to interpretation. The Reputational Risk Quantitative Model allows us to overcome the reliance on human sensitivity for risk management. Download our white paper to find out more about the Q-model.

UK Finance

White Paper

Financial Services Future Regulatory Framework Review: Phase-II Consultation 2

The FRF review is a major opportunity to improve the effectiveness and efficiency of banking and finance regulation now that the UK can determine its regime according to its own priorities. In this response to HMT’s first consultation on phase II of the review, we make detailed proposals for updating the framework under five main headings.

Liquidity Management

White Paper

Liquidity Stress Testing Toolkit

Leveraging on its experience and in line with market practices, Avantage Reply has developed a Liquidity Stress Testing model. Flexible and easy to use, it provides financial institutions with a toolkit which allows them to easily perform internal stress tests and integrate outcomes into decision-making processes.

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UK Finance

White Paper

Improving Cost/Benefit Analyses by Financial Services Regulators

UK Finance prepared this paper, with the support of Avantage Reply, at the request of HM Treasury (HMT) officials ahead of an anticipated consultation on their approach to the next phase of the financial-services future regulatory-framework review later in 2020. The paper’s focus is identifying the current way regulators analyse the costs and benefits of their interventions and the mechanisms for scrutinising these analyses.

White Paper

Sustainable Finance (esg, sdg & climate) - risks & opportunities for Banks and Institutions

This paper provides an overview on ESG, focusing on Climate and Environmental Finance and Risk, with emphasis on challenges related to specific ESG factors that could be turned into opportunities if managed promptly.

Covid-19

White Paper

The New Normal: how Capital Markets can turn the Coronavirus threat into an opportunity

This unexpected crisis raises questions about the effectiveness and agility of banking models and existing risk management frameworks.

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Climate Change

White Paper

Beyond Green Banking, Climate Change is changing Prudential Supervisory Expectations for Banks

Climate change is an important and growing trend for the financial sector. The rapidly developing supervisory, investor and customer expectations are presenting new challenges to the financial services sector. As a consequence of the changing risk profile, supervisors in the EU and UK are setting new expectations to ensure banks pro-actively manage their climate-related financial risk.

REGULATORY REPORTING

White Paper

A practical guide for independent directors, executives and heads of regulatory reporting

This Practical Guide will share insights regarding typical root causes for the issues raised by the ECB, the FCA and the PRA — as well as potential ways these issues can be addressed.

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White Paper

Regulatory Reporting – Impacts and Insights for The Data Point Model 3.0

Last Autumn the EBA released its public consultation on the revision of the Implementing Technical Standards (ITS) for Regulatory Reporting and the harmonization of disclosures in the Euro System. We have analysed the new requirements and offer our insights in this white paper, considering the impacts that Financial Institutions can expect and for which they should prepare.

GRC

White Paper

Governance, Risk and Compliance

This White Paper discusses questions such as: What are the supervisory expectations on Internal Control and how can GRC tools support an efficient Internal Control Framework? What needs to be considered when planning the implementation of a GRC tool? What future evolvements need to be anticipated?

IFRS 17

White Paper

Bringing Data Governance to IFRS 17

While IFRS 17 poses a range of challenges for insurance companies, it also represents an opportunity to redesign a strategy for data governance and generate new business value. This white paper explores the impact of IFRS 17 on data acquisition, storage, analysis and reporting. It provides a thorough analysis of the impact of the new standard in each step of the reporting cycle from the perspective of different facets of data as a foundation for a an actionable roadmap.

RISK MANAGEMENT

White Paper

Empowering your people to manage risk

Managing risk is central to any business, no matter the sector. It has always been crucially important in the financial sector, but more so now than ever before due to increased regulation and media scrutiny. Managing risk effectively helps you protect customers, shareholders, your employees and ultimately, a business’ reputation.

AI Models

White Paper

The path to deployment of AI models in Banking

Recent technological advancements have accelerated the integration of AI and machine learning models into more and more banking processes. In today’s banking industry, institutions not using AI and machine learning risk losing their competitive edge, as competitors are increasingly enhancing their strategic decisions with the powerful analytical capabilities of AI and machine learning.

Brexit

White Paper

The Impact of Brexit on Financial Institutions

On 29 March 2019, the UK will leave the EU after 46 years of continuous membership. What exactly will Brexit mean for Financial Institutions? What actions will need to be taken as a result? While the exact answers to these questions depend on the outcome of UK-EU negotiations, this Whitepaper explores the consequences of the possible scenarios to help Financial Institutions brace for impact.

TRIM

White Paper

Supervisory benchmarking and TRIM

In February 2017, the ECB launched the executive phase of the Targeted Review on Internal Models (TRIM). This White Paper provides both an update for the Credit Risk side and shares the common understanding related to the latest results and future points of attention. It also discusses the requirements for the design of the process and IT architectures supporting the regulatory exercises, as well as providing best practices for institutions.

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Operational Risk & Data Robotics

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Operational Risk & Data Robotics

Data Robotics Solutions are emerging as a highly effective, yet practical approach for banks to reduce operational risk, improve efficiency, reduce costs and derive additional value. From Robotic Process Automation to machine learning enabled Intelligent Process Automation, banks that have started implementing these solutions are reaping the rewards, both from a financial and compliance perspective.

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Model Risk

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Model Risk Management

Models are an integral part of modern banking. They are used inter alia to price transactions, value portfolios and optimise returns. They are also a key cornerstone of the regulatory framework, used to determine required capital and liquidity. In this paper, we set out the key cornerstones of a modern model risk management framework. We start with an overview of the regulatory (i.e., mandatory) requirements, but then consider in greater detail other aspects of the framework, in particular those where some element of management discretion remains.

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Regulatory challenges

White Paper

Financial Services Outlook 2016 - Overview of the key challenges for firms in 2016

2016 promises to be another challenging year with more extensive regulatory involvement and further disruption of existing business models. Whilst financial industry firms will continue to rebuild their balance sheets and implement new regulations designed to strengthen standards for a simpler and safer industry, this year will bring additional challenges of dealing with new entrants, including fintech companies, and the necessity of business restructuring and portfolio rebalancing to achieve viable capital and cost bases.

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