Keeping Pace with Business Change

In today’s high-stakes business world, your company’s technology must adapt to new business models.

Our Business Analysts are change facilitators. They work closely with you as a customer to translate business directions into technology requirements that address your priorities

Risk Analysis

Market globalization and the quickening pace of market movements — particularly in the financial services and energy sectors — call for enterprise-wide risk management.

Our analysts measure and manage a wide array of risks, including market, counterparty and credit risks. They can ensure that your systems give you access to timely and relevant data, so you have visibility into your ongoing risk management efforts.

Our analysts have relevant experiences in areas such as Value at risk computation, back testing of the Value at risk with real and Hypothetical P&L…

Regulatory compliance

Complex and numerous regulations have impacted the banking & Insurance industry (Emir, Solvency 2, Basel 3, Mifid). Refine can help you assess the regulatory needs to which your company may be subject, and implement the integration of these changes in finance and risk systems.

Our consultants also have expertise in client on boarding, data collection, and anti-money laundering measures (KYC)

Trading and Portfolio Management (from Front to Back Office)

In trading environments, we help develop systems that account for trades and resultant positions, and keep formal accounting records of your company’s business:

Asset pricing analysis, development of pricing tools, analysis of CVA impacts on pricing of derivatives

Our consultants also participate to major systems migration of financial assets. These responsibilities encompass analysis in various fields such as position management, validation of the P&L, finance & accounting

Our consultants have relevant expertise in various financial products like IRD, ABS, Forex but also energy products such as coal

Cash Management

The magnitude and diversity of your company’s cash flows, taken in conjunction with interest fluctuations and currency exposure, accentuate the importance of efficient cash management and control systems.

Our consultants can assist you in developing efficient cash management processes, including the collection and disbursement of funds, and minimized risk exposure.

Mobile Banking

In financial services, we can assist you in leveraging mobile device management technology to help your customers conduct a number of financial transactions through devices, such as mobile phones.

Typical mobile banking services may include:

  • Access to account information, such as mini-statements, alerts on account activity, monitoring of long-term deposits, access to loan and card statements.
  • Investor services, such as portfolio management services or real-time stock quotes.