Online users can check investments and receive alerts anywhere, anytime. Advisors can have the overview of their clients’ portfolios and alerts on their activities.
Ad hoc reporting and investment communications.
Self Directed Investments
Self-directed investment toolset for best e-commerce customer experience including:
Trading securities, investing in funds.
Investing via periodic plans.
Client - Advisor Digital Collaboration
Interaction between client and firm across all channels and devices via video-chat
Recording of all messages, videos, etc for compliance and audit.
Digital signing of contracts.
Investor resources and market reports.
Self-directed investor risk profiling and investment attitude.
Online self-directed or hybrid (human-digital) advisory.
Goals definition and simulation of investment scenarios.
Goals investments and periodical re-alignment of the investment strategy.
Investments' progress monitoring.
Social Media monitoring to identify client life events.
Virtual Personal Assistant
Query engine activated by voice or written sentences, that understands the semantic of queries and answers accordingly.
Lead Generation & Prospecting
Ability to capture prospect initial information, send communications to prospect, invite prospect to events and campaigns.
Ability to engage with the prospect by doing services presentations, what-if simulations, investment proposals that might capture his/her interest and demonstrate the proposed service value.
Capture prospect or client demographics, relations, and source of wealth through data collection and questionnaires.
Client risk profiling by capturing his investment knowledge and experience, risk attitude, loss aversion, investment behaviour to calculate a risk profile / behaviour profile to drive all proposals.
On line self-directed investor risk profiling and investment attitude.
Supporting the client onboarding process, from prospect to client, capturing all information needed from a regulatory and business perspective to onboarding the client, including AML checks, PEP checks, facts finding, proposal generation and investment accounts creation in the back office platform.
Supporting all Client management activities like scheduling client meetings, suitability review, quarterly reporting, mandate strategy changes, terminations, ad hoc mailings or communications.
Marketing campaign to promote a new product, service.
Define target and lists, and communications, sending e-mails or communications to clients.
Collect campaign result and understand ROI.
All supported by MS Dynamics Marketing module integrated with ClientEngage.
Supporting the full spectrum of fact finding, needs analysis, cash-flow analysis, wealth projection, goals setting, what-if scenarios simulation, and investment proposal generation.
Getting an holistic view of the customer’s global wealth and future needs, simulate what-if scenarios and suggest the best plan of actions to achieve the client’s goals.
Investment Proposal Selection
Given the investor risk profile, service type (discretionary, advice), investment time horizon, goal type (retirement, growth, liquidity, decumulation etc.), and invested amount.
The system is able to find the best fitting investment proposal in terms of model portfolio, asset allocation and product mix.
The Advisor can then tailor the proposal for the single investor.
Goal based advisory supports the Advisor to set client's investment goals and the assets to dedicate to each single goal, calculate probability to reach the goal for the given asset allocation, monitor goals' probability over time, alert when a probability falls below a certain threshold.
Portfolio Management enables the portfolio manager to control his book of business, create investment portfolios (discretionary or advised), choose portfolio's investment strategy, rebalance portfolios to model, set & control ex-ante and ex-post constraints, monitor performances (MWRR, TWRR), risk indicators, performance attribution, exposure to markets, currencies, countries, benchmarking, and portfolio reporting.
MiFID II Suitability
Under the European MiFID regulation, each investment proposal should be verified to be suitable against client's knowledge and experience, investment objective, time-horizon, type of customer. Suitability engine checks all investment proposals and executes a continuous monitoring of clients' portfolios suitability, finally, it generates alerts for advisor to rebalance or review.
Order Management & Execution
Orders generated from online trading users, portfolio managers rebalancing their portfolios, advisors giving recommendations to clients are routed to the order management engine that routes it to the market in best-execution, receives executions, and sends it to the back office for clearing and settlement. The trade desks manages the orders on the trade blotter.
Management Reporting & Presentation Suite
A multidimensional data-warehouse engine that collects data on clients, portfolios, products, transactions, prices, benchmarks, fees, pay-in, pay-out, etc. It also provides a set of business services to query and a set of dashboards as presentation suite. It serves management, marketing, sales, advisory desk, and compliance.
Securities Back Office
Back office engine is the securities information master, securities and cash accounting master. It manages client payments, cash & securities transfers, corporate events and actions, dividends, management and administration fee processing, flexible commission plans, reporting including end of year Tax packs, reconciliation of Omnibus Accounts to beneficial owner.
Clearing & Settlement
Clearing & Settlement engine provides:
Trade enrichment of settlement details based on a smart standing settlement instruction routing matrix.
Pre-validation of settlement instructions against intelligent message template repository maintained to SWIFT and/or local market standards.
Integration and monitoring of market gateways.
The Custodian integration engine manages stock and cash reconciliation with Custodians and correspondent banks.