Risk Management & Compliance
Mitigate risks and ensure compliance with robust, data-driven strategies. Our comprehensive end-to-end services protect your organization from financial and reputational harm, ensuring regulatory adherence, while increasing the overall maturity of risk assessment procedures and optimizing the risk structure to our Customer risk-appetite.
Our services
Risk Decisioning & Loan Origination
We empower financial institutions with the right tools and expertise to enhance their decision-making processes. By utilizing advanced risk models and integrating them into real-time decision-making infrastructure, we ensure comprehensive, accurate, and timely risk assessments.
Debt Сollection & Provisioning
Optimize your delinquent portfolio structure by increasing the efficiency of your Collections department through advanced analytical models. These models, in conjunction with detailed risk forecasting, enhance the accuracy of capital (Basel) and provisions (IFRS 9) assessments, thereby reducing the amount of funds the Bank needs to retain.
Anti-Fraud & AML & Compliance
We go beyond standard regulatory requirements by delivering automated Anti-Money Laundering (AML) and Anti-Fraud solutions. Using advanced analytics, including AI, social network analysis, and optimization, we improve business performance by reducing false positives and enhancing customer experience. Our services cover comprehensive compliance needs such as FATCA/CRS, sanction screening, customer due diligence (CDD), and transaction monitoring.
Technologies
Our experience
Collections Transformation
Solution:
Implementation of analytical collection components in the Collections Department.
- Delinquent portfolio analysis and segmentation.
- Collections Data Mart model creation.
- Data transformation automation.
- Automated reporting, including daily agents' performance monitoring.
- Propensity-to-pay and Self-Cure ML-models development and implementation.
- Calls Feedback tracker tool developed.
Requirements:
Results
25%
10+
Less inefficient calls
Of effective work time for collections agents
13%
Improvement in ACR (Accounts per Collector)
Solution:
500
Attributes in the Data Model to support any further needs
Loan Origination Fabric
Requirements:
- Improve time-to-market for new credit strategies.
Solution:
- Implemented and customized SAS ID, so the entire history of credit decisions and defaults is collected and stored in one place, which enables data-driven approach for the future decision making.
Results
2x
7
Faster decisions
Remained in the process, down from
300
2
weeks
To launch a new product (opposed to 1+ month before)
underwriters
2%
Overrides occurred compared to
30%
Prior to data-driven approach
customer:
Large CIS Bank
Cross-Channel Fraud Prevention
Requirements:
- Implement a real-time, cross-channel fraud prevention system.
Solution:
- Integrated fraud detection across card processing, CRM, and online channels with real-time blocking and customized investigation workflows.
Results
50%
Reduced P2P fraud by
and achieved a threefold payback within six months.
customer:
Large Universal Bank
Collections Transformation
Requirements
Implementation of analytical collection components in the Collections Department
solution
- Delinquent portfolio analysis and segmentation
- Collections Data Mart model creation
- Data transformation automation
- Automated reporting, including daily agents' performance monitoring
- Propensity-to-pay and Self-Cure ML-models development and implementation
- Calls Feedback tracker tool developed
results
25%
10+
Less inefficient calls
of effective work time for collections agents
13%
Improvement in ACR (Accounts per Collector)
500
Attributes in the Data Model to support any further needs
Loan origination fabric
Requirements
customer
Large CIS Bank
- Improve time-to-market for new credit strategies
solution
- Implemented and customized SAS ID, so the entire history of credit decisions and defaults is collected and stored in one place, which enables data-driven approach for the future decision making
results
2x
2
faster decisions
weeks to launch a new product (opposed to 1+ month before)
2%
overrides occurred compared to
30%
prior to data-driven approach
7
300
underwriters remained in the process, down from
Cross-Channel Fraud Prevention
Requirements
customer
Large Universal Bank
- Implement a real-time, cross-channel fraud prevention system.
solution
- Integrated fraud detection across card processing, CRM, and online channels with real-time blocking and customized investigation workflows.
results
50%
Reduced P2P fraud by
and achieved a threefold payback within six months.
See more about services for your Data...
In the most advanced financial institutions, the risk function evolves from mere regulatory compliance into a true competitive advantage, unlocking new opportunities for portfolio growth while maintaining manageable risk levels.
Discover how our solutions can drive business value with a comprehensive risk assessment and strategy session.