About RiskConfidence ALM
RiskConfidence ALM is an asset and liability management software from Moody's that helps manage balance sheet risk. It combines a holistic view of assets and liabilities, insights into risk factors, and features tailored to financial resilience so institutions can navigate complex market conditions. The platform supports risk assessment, regulatory compliance, and strategic decision-making processes, providing users with critical analyses to inform their strategies. Key capabilities: holistic risk assessment regulatory compliance support strategic decision-making tools asset and liability tracking market insights Best for: banks and financial institutions that need comprehensive management of asset and liability risks.
Moody’s ALM is a powerful cloud-based solution that helps financial institutions manage the complex risks that shape their balance sheets, particularly interest rate and liquidity risks, while extending far beyond classical ALM. Built on Moody’s deep data, analytics, and economic scenarios, the platform offers institutions a holistic and interconnected view of their asset-liability structure, allowing them to assess vulnerabilities through advanced stress testing, scenario analysis, and detailed IRRBB reporting. Its modular SaaS design makes it scalable, enabling users to begin with core ALM functions and easily expand into liquidity management, capital planning, impairment accounting, and credit portfolio management without switching systems. Users benefit from a modern, intuitive interface that improves transparency, facilitates data drill-downs, and presents complex risk outputs in a more understandable way—an improvement reflected in case studies from institutions such as Lake City Bank. Performance is one of its strongest aspects, with fast processing of daily cash flows and efficient scenario modeling made possible through cloud deployment on platforms like Microsoft Azure.
Pros & Cons
- +Enables stress testing across multiple scenarios to assess market and credit risks.
- +Provides a holistic view of interconnected risks across assets and liabilities.
- +Supports interest rate risk management, including gap, repricing, yield curve, basis, and option risks, plus IRRBB reporting.
- −Pricing isn’t publicly disclosed and requires direct consultation with Moody’s.
- −May be too complex for smaller regional banks compared to mid-sized adopters.
Features
Key features
- Holistic and Integrated Risk View
- Models and manages risk exposure across interconnected business parts using comprehensive assumptions and scenarios.
- SaaS-Based Modular Design
- Offers a flexible, cloud-based platform that can be expanded from classical ALM to include modules for liquidity, capital planning, and impairment accounting.
- IRRBB Regulatory Reporting
- Provides specific functionality to measure, manage, and report interest rate risk in the banking book, aligning with evolving regulatory standards.
- Advanced Stress Testing and Scenario Analysis
- Allows institutions to stress test a range of scenarios to uncover actionable insights for decision-making and financial resilience.
- Comprehensive Interest Rate Risk Management
- Effectively manages five key types of interest rate risk: Gap and Repricing, Yield Curve, Basis, Option, and IRRBB.
- Credit Portfolio Management Expansion
- The modular design allows the solution to be expanded to include credit portfolio management capabilities.
Additional features
- Anticipate and Manage Balance Sheet Risk
- Helps financial institutions anticipate and manage the risk that ripples through their balance sheets.
- Establish Financial Resilience
- Accurately measures market and credit risks to help institutions make decisions that establish financial resilience.
- Holistic Risk Modeling
- Models and manages risk exposure using comprehensive assumptions and scenario sets.
- Stress Testing
- Allows stress testing of a range of scenarios to uncover actionable insights.
- SaaS-Based Modular Design
- The solution is built with a flexible, cloud-based modular design.
- Classical ALM
- Manages traditional Asset and Liability Management functions.
- Liquidity Management
- Can be expanded to tackle liquidity management needs.
- Investment Management
- Can be expanded to tackle investment management needs.
- Capital Planning
- Can be expanded to tackle capital planning needs.
- Impairment Accounting
- Can be expanded to tackle impairment accounting needs.
- Credit Portfolio Management
- Can be expanded to tackle credit portfolio management needs.
- Gap and Repricing Risk Management
- Analyzes and manages funding gaps by aligning duration within portfolios.
- Yield Curve Risk Management
- Provides advanced scenario analysis to stay ahead of yield curve movements and anticipate economic shifts.
- Basis Risk Protection
- Offers comprehensive monitoring and a flexible framework for simulating hedging strategies to protect financial statements from volatility of mismatched indexes.
- Option Risk Management
- Provides analysis of embedded options in financial products to secure cash flow forecasts against market volatility.
- IRRBB Reporting
- Measures, manages, and reports the sensitivity and impact of interest rate changes on financial statements, aligning with evolving regulatory standards.
Pricing
Countries & Languages
Interface languages
Billing currencies
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About RiskConfidence ALM
RiskConfidence ALM is an asset and liability management software from Moody's that helps manage balance sheet risk. It combines a holistic view of assets and liabilities, insights into risk factors, and features tailored to financial resilience so institutions can navigate complex market conditions. The platform supports risk assessment, regulatory compliance, and strategic decision-making processes, providing users with critical analyses to inform their strategies. Key capabilities: holistic risk assessment regulatory compliance support strategic decision-making tools asset and liability tracking market insights Best for: banks and financial institutions that need comprehensive management of asset and liability risks.
RiskConfidence ALM Details
RiskConfidence ALM's In-App Market Place
Does RiskConfidence ALM have an in-app market place?
Yes
How many Mini-Apps in the marketplace?
1
Mini Apps
No
Pricing Options
Accepted Payment Currencies
USD ($), EUR (€), GBP (£), JPY (¥), AUD (A$), CAD (C$), CHF (Fr), CNY (¥), HKD (HK$), INR (₹), SGD (S$), KRW (₩), RUB (₽)
Pros & Cons
- Enables stress testing across multiple scenarios to assess market and credit risks.
- Provides a holistic view of interconnected risks across assets and liabilities.
- Supports interest rate risk management, including gap, repricing, yield curve, basis, and option risks, plus IRRBB reporting.
- Pricing isn’t publicly disclosed and requires direct consultation with Moody’s.
- May be too complex for smaller regional banks compared to mid-sized adopters.
RiskConfidence ALM's Support Options
Email Address
clientservices@moodys.comContact
+1-212-553-1653RiskConfidence ALM's Alternatives
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