This regulatory environment seeks to mitigate the risks and uncertainties of the banking industry, also responding to economic pressures and investor expectations. 

Our services for integral risk management are developed with a holistic approach and vision at an organizational level to optimize corporate results in legal, financial, commercial, operational and human resources terms. In order to fulfill this fundamental objective, the basic and strategic units of:

  • Areas of negotiation
  • Administrative areas
  • Areas of operations

Our services cover the treatment of:

Corporate risk, good governance

To verify the availability of the Code of Good Corporate Governance, Ethics and Conduct or, failing this, in the statutes and to validate the organizational structure, principles and values, code of ethics and good conduct, privileged information, monitoring and control entities, conflicts of interest and customers. 

Liquidity risk – SARL - LRMS (Liquidity Risk Management System)

Liquidity risk is a risk of perception and almost always residual. Hence the importance of the entities designing an integrated SARL to manage the other risks that directly or indirectly affect the liquidity risk management strategy.

Evaluates the availability of cash necessary to comply with commercial, tax and labor commitments. 

Market Risk - MRSA (Market Risk Management System)

It verifies the composition of investments in portfolio according to quotas by issuers and counterparties, liquidity and yields of negotiated securities, local currency and foreign currency and therefore reflects positive results in the statements of income. 

It evaluates the implementation of systems that measure the possibility of entities incurring losses associated with the decrease in the value of their portfolios, the fall in the value of the collective portfolios or funds they manage as a result of changes in the price of financial instruments in which positions are held on or off the balance sheet. 

Credit Risk - SARC – CRMS (Credit Risk Management System)

Verifies the company's credit policy according to the product line, rates, terms, refinancing, types of clients, legal or natural persons, guarantees, guarantees, discounts, pre-legal and legal collection. 

It evaluates the implementation of policies, provisions systems, operating procedures, internal control procedures and internal or reference models for the estimation or quantification of expected losses as a result of breach of obligations of a debtor or counterparty. 

Risk of money laundering - SARLAFT – SRMMLFT (System for Risk Management of Money Laundering and Financing of Terrorism)

Checks the elements of the risk management of Money Laundering and Terrorism Financing and associated risks: reputational, legal, operational, contagion, identification of inherent and residual risks in each of the risk factors as stipulated in the standards issued by the control entities in each of the identification, measurement, control and monitoring stages.

It evaluates the implementation of the risk matrix for the classification of inherent and residual risk based on the risk management model, the segmentation of risk factors, in order to measure the individual and consolidated evolution of the risk factors related to Money laundering and terrorist financing in order to prevent the entity from being used directly or through its operations as a tool for money laundering and / or channeling of resources towards terrorist activities, or Concealment of assets arising from such activities. 

Operational Risk - SARO – ORMS (Operational Risk Management System)

It verifies the operational risk management policies, the methodologies implemented in each stage of risk assessment (identification, measurement, control and monitoring), the methodology for recording operational risk events in strategic processes, Mission and administrative functions of the company, its accounting causation for those quantitative events that generate loss and affect the income statement and the implementation of mechanisms to effectively maintain business continuity. 

It evaluates the implementation of the risk matrix for the classification of inherent and residual risk based on the risk management model in each of the areas of the value chain, in order to measure the evolution of risks and measures implemented to avoid losses. 


Request a quote