The comprehensive, cloud-ready banking book risk and regulatory compliance platform. Fusion Risk by Teciem is a modern asset liability management solution that empowers financial institutions to anticipate, quantify and manage balance-sheet risk across interest rate and liquidity dimensions.

Factsheet Contact

Through forward-looking scenario analysis and regulatory-aligned metrics, Fusion Risk helps Treasury and Risk teams stabilize earnings, protect economic value and steer balance-sheet strategy with confidence in an increasingly volatile rate environment.

“Swiftly manage risk and act on opportunities with our robust, proven and modular banking book risk management system that packs performance, stability and visibility for timely decision-making.”

Mehdi Bouasria, Head of Fusion Risk
Teciem

The smart platform for secure, streamlined balance sheet and risk management.

Fast deployment, scalable on demand

With quicker time to market for new capabilities and behaviours and easy activation of the latest modules.

Predictable costs

With low TCO, low/no maintenance, and automatic updates (evergreening) with minimal disruption to ongoing operations.

Powerful cash-flow engine

For projections and simulations to assess potential earnings vs exposures in complex scenarios, such as economic scenarios with macro environment capacities, paired with behavioral, business planning and credit risk modeling.

Increased predictability and profitability

Through key aggregated and raw/contract-level data, with transparent, auditable models enabling complex predictive analysis, and leveraging fast and scalable processing power that backs up a time-tested ALM and regulatory solution.

Simplified compliance

Powerful regulatory reporting to meet Basel and IFRS9/CECL standards, constantly updated to keep up with the complexity of regulatory changes, delivering reporting dashboards that permit the delivery of visual, in-depth analyses for stakeholders.

Reduced costs, increased efficiency

Via automated workflows, easy integration and collaboration, and zero onsite deployment options.

Built-in Blueprints implementation accelerator

A tried, tested and trusted implementation methodology, providing preconfigured processes, reports and integration with other products.

Benefits of Fusion Risk

25%

more improvement in
forecasting accuracy for NII

100s

of runs per cycle,
high-performance scenario
processing at scale

35%

reduction in IRRBB
reporting cycle time

An efficient and extensive solution that creates value beyond compliance.

Asset Liability Management (ALM)

The ALM component provides an effective and thorough process to decide on portfolio profitability, with dynamic functionality that enables strategy simulations and ongoing risk evaluation in realistic scenarios.

Economic scenario, behavioral modeling and business planning (prepayment, non-maturing products)
Sensitivity analysis (what-if), simulations and dynamic calculations
Banking Book VaR

Fund Transfer Pricing (FTP)

FTP process management helps financial managers precisely forecast and manage profitability performance of funding, leading to optimized budgeting and pricing analysis.

Pre-deal and post-deal computation
Replication for non-maturing products
Comprehensive workflow with event detection, custom spreads computation and integration with control management

IFRS 9/CECL

The IFRS 9 module supports classification, initial recognition valuation, measurement, benchmarking, impairment and hedge accounting functionalities that comply with the latest IASB standards.

Classification of financial instruments, with initial recognition value
Amortized Cost and Fair Value measurements
Impairment management
Hedge accounting functionalities

Regulatory reporting (Basel)

Covering Basel II, III and IV frameworks, our regulatory reporting tool offers a rapid route to financial compliance, leading to significant savings and freeing up high-cost resources for performance optimization.

Credit risk with RWA calculations
Market and operational risk
Large exposures
Liquidity risk (LCR, NSFR, ALMM)
Capital requirements

Technology

An open, flexible interface, supported by a dashboard for reporting.

Robust, module-agnostic cashflow engine with ETL framework
Parallel processing for increased speed and performance
Flexible user management logic and customizable, rule-based workflow
Open API-based interface for external data and apps
OIDC authorization/SSO

Increase predictability. Increased profitability.

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