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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.

Supervisory benchmarking and TRIM 0

Operational Risk & Data Robotics

White Paper

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.

Operational Risk & Data Robotics 0

Model Risk

White Paper

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.

Model Risk Management 0

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.

Financial Services Outlook 2016 - Overview of the key challenges for firms in 2016 0

Risk Data Aggregation & Risk Reporting

White Paper

Achieving BCBS 239 compliance

The paper provides an overview of the BCBS 239, including its objectives and requirements, along with some of the stumbling blocks identified by the surveyed G-SIBs and D-SIBs so far. Finally, the paper identifies key areas for successful BCBS 239 compliance, and looks at how banks can use the requirements outlined in the principles to their competitive advantage.

Achieving BCBS 239 compliance  0

Outsourcing Risk

White Paper

OUTSOURCING IN THE ASSET SERVICING

This report takes stock of the evolving regulatory requirements and industry practices in the Eurozone and the UK, focusing on outsourcing by custodian banks, depositary banks and asset servicing companies (referred to collectively in this report as ‘custodian banks’ for the sake of readability). The intention is to provide an overview of outsourcing in the current environment and to convey an understanding of the trajectory of outsourcing practices, regulation and supervision. 

OUTSOURCING IN THE ASSET SERVICING  0
Compliance BCBS239 ECB Data Governance

BCBS239

White Paper

A Renewed ECB Priority

On 3rd May 2024, the ECB released its Guide on Effective Risk Data Aggregation and Risk Reporting. Aimed at addressing deficiencies and guiding institutions toward significant improvements, the Guide delineates the ECB's supervisory expectations. Avantage Reply offers specialised support to Significant Institutions (SIs) and interested Less Significant Institutions (LSIs) in navigating and implementing the principles of BCBS239. 

Avantage Reply Thought Leadership and Service Offering

UNLOCKING CRYPTO-ASSETS POTENTIAL A CRITICAL ANALYSIS AND VALUE PROPOSITIONS 0

Crypto Asset

White Paper

UNLOCKING CRYPTO-ASSETS POTENTIAL: A CRITICAL ANALYSIS AND VALUE PROPOSITIONS

We are in a digital revolution era. Distributed Ledger Technology (DLT) and crypto-assets will lead to a significant financial eco-system modernization.

RISK MANAGEMENT

White Paper

THE EVOLVING PRUDENTIAL TREATMENT OF BANKS' CRYPTOASSET EXPOSURES

In December 2022, the Basel Committee on Banking Supervision (BCBS) published the standard on the prudential treatment of exposures to cryptoassets. Avantage Reply guides clients in the evolution of their risk management framework to stay ahead of market changes.

THE EVOLVING PRUDENTIAL TREATMENT OF BANKS' CRYPTOASSET EXPOSURES
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White Paper

The Risk Function of "The Now": The key to thriving in a vastly digitalised economy

Financial institutions (FIs) and Banks have come a long way in their use of technology. Especially, considering the service-based nature of the FI sector, the use of computers has been widespread from the front desk teller agent in a retail bank to the back-office posttrade settlement team of a trading desk.

White Paper

Environmental & Climate-Related Risks : Our credentials

Avantage Reply has conducted a number of assigments aiming to include ESG or Climate risk composent into risk and strategic processes . If you are willing to get familiar with our concrete experiences and how we can provide you a subject matter expert support, read this asset and feel free to contact us.

Outsourcing

White Paper

Outsourcing: The Warning Bells Have Started To Ring

Over the last decade, financial institutions have become increasingly interested in outsourcing business activities in order to reduce costs, get access to new technologies and improve flexibility and efficiency. Find out more on outsourcing and third party risk management in our white paper, focusing on the EBA Guidelines and the pan-European regulation on outsourcing arrangements.

Outsourcing The Warning Bells Have Started To Ring 0

SRM

White Paper

The Single Resolution Mechanism: Stock take and looking forward

This White Paper takes stock of the current state of play of the resolution framework in the Banking Union, a little bit over one year after the entry into application of the Single Resolution Mechanism, and contemplates the associated challenges (as well as opportunities) for banks in that context.  

The Single Resolution Mechanism Stock take and looking forward 0

SSM SREP

White Paper

SSM SREP: Where are we after the first two exercises?

This White Paper shares insights on how Eurozone credit institutions have been dealing with the first two SREP exercises. It also shares our understanding of the ECB’s current and future expectations. Last but not least, the Paper explores the impact of the changes in supervisory practices and how these have affected and will continue to affect credit institutions in the Eurozone.

SSM SREP Where are we after the first two exercises? 0

AnaCredit

White Paper

AnaCredit: Analytical Credit Dataset of the ECB - Implementation Challenges and Approaches

Availability of sufficiently granular and reliable data is a major priority of the Single Supervisory Mechanism (‘SSM’). To this end, the ECB is demanding additional and more granular reporting from banks under its supervisory remit by introducing its new reporting requirement: the Analytical Credit Dataset – also known as AnaCredit.

AnaCredit Analytical Credit Dataset of the ECB - Implementation Challenges and Approaches 0