Bank on Us for Intelligent Investment Strategy Design

Design, model, and implement customized client portfolios with integrated risk assessment, real-time performance tracking, and automated rebalancing triggers.

Portfolio Creation Master

Modules used in this solution

Core Modules
Engagement Modules

Investments

Facilitates the construction of sophisticated single or multi-asset portfolios (ETFs, precious metals, and equities).

E.g. Create a diversified metals portfolio composed of 50% Gold, 25% Silver, and 25% Platinum.

Core Modules

Trade

Powers the direct acquisition of individual tradable assets, such as commodities, ETFs, and stocks.

E.g. Process a retail order for $50 worth of Apple (AAPL) stock.

Core Modules

Ledger

The foundational double-entry bookkeeping system that provides an immutable record for all modules.

E.g. Maintain a precise record of customer reward points or loyalty balances.

Core Modules

Compliance

Defines and automates regulatory journeys (KYC/AML) to ensure compliance with international standards.

E.g. Deploy workflows to verify identities during onboarding and monitor ongoing activity.

Core Modules

Risk

Provides continuous evaluation of user risk profiles and robust transaction screening/monitoring.

E.g. Automatically flag an account as "medium-risk" based on demographic or employment changes.

Core Modules

Profile

Centralizes identity data management for institutional customers and their underlying end-customers.

E.g. Securely store and update primary contact info and KYC metadata for a global user base.

Core Modules

Reports

Generates region-specific regulatory filings and bespoke internal reports for commercial intelligence.

E.g. Generate a periodic interest rate gap report for automated submission to a central bank.

Core Modules

Audit

Provides a comprehensive audit trail by recording every request or transaction flowing through the Core.

E.g. Pull a granular history of API calls for a specific account during a security review.

Core Modules

Case Management

A dedicated interface for creating, assigning, and resolving operational cases (e.g., manual flags).

E.g. Route a name-screening flag to a compliance analyst for a final "Approve/Decline" decision.

Core Modules

KMS

Houses all private keys and supports robust column-based encryption to protect sensitive data at rest.

E.g. Ensure PII is encrypted and accessible only by authorized internal services.

Core Modules

Notification

The communication gateway between the Core and customers/third-party providers via webhooks.

E.g. Trigger a transaction webhook to a third-party partner system.

Core Modules

Retail

Powers the front-end banking experience for individuals, including wallets, card management, and payments.

E.g. Provide a seamless mobile app interface for a customer to manage daily spending.

Engagement Modules

Business

Supports corporate/SME requirements like entity accounts, payroll dispersal, and supply chain payments.

E.g. Enable a business owner to execute bulk payroll transfers via a dedicated corporate portal.

Engagement Modules

Org

Centralizes high-level organizational settings that govern how the platform operates for a specific client.

E.g. Set the default domestic payment rail (e.g., FAST or ACH) for all outgoing payouts.

Engagement Modules

Profile

Manages user-specific preferences and fine-grained settings at the individual end-customer level.

E.g. Empower an end-customer to set and adjust their own daily card spending limits.

Engagement Modules

Reports

Generates engagement-layer filings and bespoke reports for operational health and user insights.

E.g. Generate a report on user engagement levels for a specific demographic.

Engagement Modules

Audit

Records every request or interaction that passes specifically through the engagement layers.

E.g. Review the history of user-initiated setting changes to troubleshoot a support query.

Engagement Modules

Case Management

An operational workflow tool for managing engagement-specific tasks and support tickets.

E.g. Raise a manual review case for a suspicious login attempt via the user portal.

Engagement Modules

KMS

Security module for the engagement layer, housing keys for secure data encryption of user interactions.

E.g. Protect sensitive user-facing data independently of the back-end core encryption.

Engagement Modules

Notification

Primary communication gateway for dispatching SMS, Email, or Push alerts to end-customers.

E.g. Dispatch a real-time push notification to an end-user regarding a large transaction.

Engagement Modules

The Modular Foundation for Service Delivery

Access to fully compliant, modular, core banking services, allowing institutions to launch products rapidly without managing complex backend infrastructure.

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Model Portfolio Configuration

Build and maintain a library of standardized, compliance-checked investment models that can be instantly applied across client segments.

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Integrated Suitability & Risk Profiling

Automate the process of aligning client risk scores and investment goals with suitable portfolio models to meet regulatory requirements instantly.

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Real-Time Performance Attribution

Analyze model portfolio performance against benchmarks and historical data in real-time before implementation, ensuring optimal strategy selection.

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Trade Order Management

Ensure trade orders generated from portfolio models are routed securely and efficiently to execution platforms, with full tracking of best execution requirements.

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Automated Fee and Cost Disclosure

Generate transparent, regulatory-compliant disclosures for advisory fees, transaction costs, and portfolio expenses at the time of modeling.

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Client Mandate Tracking

Securely log and track specific client restrictions (e.g., ESG preferences, restricted stocks) to ensure the portfolio design remains fully compliant with their mandates.

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Automated Drift Monitoring

Automatically track portfolio deviation from the target model and trigger alerts when asset allocation breaches predefined tolerance thresholds.

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Rebalancing and Reallocation Tools

Execute portfolio rebalances (tax-efficiently where possible) and strategic reallocation changes across a large client base with a single instruction.

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Custom Client Statement Generation

Generate clear, comprehensive, and compliance-ready client performance reports that consolidate multi-asset holdings and display portfolio activity.

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