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Bespoke Development

Rhisco’s technology teams have a proven track record of developing bespoke technology solutions for financial services institutions and enterprises. Combining left-brain creativity with right-brain discipline in offerings that integrate seamlessly into client’s existing systems and deliver measurable value. We enhance existing IT architectures or design new ones in order to build technology solutions completely tailored to client’s needs.

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Financial Risk & Liquidity

Rhisco’s award-wining solution, TEGRA®, is a leading-edge data management, integration and aggregation platform designed to address risk and capital needs. The platform improves compliance and delivers business benefits – enabling end-users to improve accuracy and efficiency independently of IT, with complete data lineage. From the desk level, to board and Regulatory Governance, the solution ensures that all stakeholders have clarity and control to monitor risk. Can you imagine being able to re-run historic analyses on-demand without IT intervention? What-if analysis that mix and match historic data or sources with current, historic or prospective business rules, without sacrificing performance, independence from IT or data lineage.

Features

  • Runs on-demand rules-based risk analysis and modelling processes on ‘golden source’ data which generates normalised results
  • Offers the flexibility to generate reports in several industry standard formats
  • Scalability allows for varying deployment, either on a per-desk basis, team or region
  • Allows for full traceability, going back to the moment of initial input of data, including any modifications – enabling expert users or regulators to select specific pieces of data when necessary.

 

AI for RegTech

Reduce your costs on regulatory compliance with our RegTech product for Regulatory Monitoring and Regulatory Change. Rhisco’s AllGood.ai® solution significantly accelerates the performance of client’s Legal and Compliance teams and democratises regulatory expertise across the institution by automating much of the manual work, releasing time for analysis and decision making.

The solutions’ core is based on natural language processing (NLP) libraries trained to read and interpret regulatory documentation in Spanish resulting in identification of obligations for the institution. Provided through SaaS, the solution provides a regulatory map with multiple references, conditions and interrelations between different regulatory documents and regulatory articles, using a graph database (Neo4J). A regulatory change module in development will provide visibility of upcoming regulatory changes, allowing users to understand and plan for the impact in their institution. The service incorporates a library of controls, which can be mapped through recommendations from the tool; and both, obligations and controls, can be made available as a feed for client’s internal GRC systems. Curated controls based on best practices and expert knowledge are an optional feature to facilitate compliance.

 

GRC & Financial Crime

With continuous transformation of paradigms and constant flow of regulation becomes more important to have an adequate Governance, Risk and Compliance (GRC) framework. Risks in new era include cyber security, financial crime, power shortage, and increasing human-AI interaction. This context requires more tech-savvy experts, professionals empathic to AI and real-time technology.

Rhisco’s business expertise in GRC, in AI and in the integration of technology solutions (like IBM OpenPages or ServiceNow for GRC, and IBM Safer Payments or Neo4J for fraud detection and prevention) allow us to support our clients from end to end in their governance, risk and compliance transformations for traditional & digital businesses.

 

Credit Management

Rhisco provides specialised advisory services to design and optimise credit processes throughout the credit lifecycle, including the relevant data acquisition processes, ensuring a comprehensive and accurate view of the credit portfolio.

Additionally, through our expertise in integration of credit technology and in design of credit processes, the credit management solutions we deliver provide clients with an end to end management of credit risk, offering a single view of the entire customer relationship and all credit facilities, limits, mitigation and credit terms and conditions.

Our clients receive an optimised and automated process and a centralized view of credit risk allowing them to rapidly expand their credit portfolio and compete in the market.

Advanced Analytics

Rhisco’s analytics solutions include pricing engines and several risk analytics tools to resolve a wide list of requirements for banks, insurers and enterprises: from market and credit risk to liquidity risk, and from Basel III to FRTB, CVA/CCR, Solvency II, and other regulatory requirements. Combining third party, open source and Rhisco’s innovative technology, we apply multiple methods including graph maths and data science, like Social Network Analysis, to derive information that can help our clients compete.

Our solutions help clients identify cross product business opportunities, improve performance of risk models or identify systemic risks, among several other potential use cases.

 

IFRS9 Mexico

Under the final local regulatory transposition about to be published by CNBV, Rhisco is ready to support Mexican banks with the most innovative technology and an experienced team to drive IFRS9 implementation to a soft landing, in record time.

With seasoned experts in bank accounting, credit portfolio, trading instruments, risk and technology integration, paired with a technology solution that has the relevant categorisation for IFRS9 Mexico standards, what-if functionality and historic management of business rules, your institution will be ready to comply and compete.