IntroductionRegulatory Risk Solution

greg@alphazetta.ai | alphazetta.ai

Introducing GReg

Regulators are increasingly wary of the way how financial institutions handle their data and resulting accuracy of asset valuations, provisions, and economic capital.

Most organizations have hastily implemented technology solutions for new regulatory requirements like BCBS 239, IFRS 9 and others in the past three years.

Those solutions are “first generation” of Risk Data Analytics and Capital Requirements tools that allowed financial institutions to achieve “good enough” compliance but struggle with issues like high maintenance costs, inflexibility to adjust to new regulations, and a lack of ability to perform changes by the users.

The GReg team with an average experience of 12 years in data, technology and risk regulatory topics has built a Regulatory Solution for financial institutions.

After 3 years of experience and improvements the result is a product built on standard technology components that:

1. Puts the users in control of the entire reporting cycle2. Offers a robust data audit process 3. The solution offers the infrastructure to apply BCBS 239

rules4. Best practice implementation takes 2 months while new

functionality sprint typically take 3-4 weeks

GReg surpasses competitive solutions in breadth of functionality, flexibility, and low maintenance costs. A Proof of Concept can be deployed at customer premises within 2 weeks.

CONTRACTS

PARTIES

INSTRUMENTS

BASEL

RISK FACTORS

COLLATERAL

MACRO INDICATORS

USER CONFIGURATION

BASEL CONFIGURATION

CREDIT RISK CONFIG

OP RISK CONFIG

MARKET RISK CONFIG

SYSTEM PARAMETRIZATION

BankSOURCE DATA

 

Flat Files

CA

LCUL

ATIO

N

ENG

INE

OPT

IMIZ

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N

ALG

ORI

THM

Data Consistency and ValidationAutomatic application of regulatory rules like BCBS 239 based on customer requests. Assures the quality and consistency of data

Data Historization & Normalization All Information is merged, normalized and histories saved, serving beside regulatory reporting and other Risk Management reports

Calculation Calculation of the relevant indicators for regulatory reporting, Basel, management reporting and customer made management reports

Collateral Allocation Collateral allocation is based on an optimization algorithm to reduce the RWA and capital requirement

Available in GReg

• ANACREDIT• CREDIT RISK REPORTING• LARGE EXPOSURE• OPERATIONAL RISK REPORTING• MARKET RISK REPORTING• CAD• RWA (M2M, Q2Q, Y2D, Y2Y)• REPORT DESIGNER• ICAAP: STRESS TESTING• ICAAP: FORECASTING

Roadmap

• FINREP• IFRS STAGING• CASH FLOW CALCULATOR• BOOKING: EVENT• BOOKING: INVENTORY

GReg’s Process & Main Components

Parametrization is done and maintained through a user interface with business Users

All the processes are covered, steps can be performed by business users and no technical skills are required

Output

Web based reports generated in multiple formats

Under development Roadmap for 2018

Execution ProcessParametrization

GReg currently has eight live (production) reference implementations. At the reference’s customer discretion we shall be able to arrange for a reference call or visit in order to discuss a first hand experience with GReg, e.g. with

Western Europe

● One Tier 3 bank in Luxembourg, status: PoC delivered

Eastern Europe

● One Tier 3 bank, in Albania, status: live● Seven Tier 4 banks: in Albania, status: live

Bank Tier definition: https://www.gartner.com/it-glossary/bank-tier

GReg’s References

GReg’s Architecture

GReg’s System Architecture● Web-based reporting portal for

your reporting users and email notification/distribution capabilities

● On Premise or Cloud based● Provides a common staging

layer for integration with any core system as well as other data sources

● Supports various types of data sources and protocols to ease integration with source systems

● Storage of historical data with audit track

● Full documentation of the model and data mapping between the layers

Full Microsoft BI stack

● Microsoft is the only vendor in the Gartner’s magic quadrant in all data and bi relevant fields (ETL, DWH, Database, BI, Analytics)

● Since 2016 Microsoft supports inline Python and R for advanced analytics and functionality

● Removes the necessity to license ancillary products like Tableau, DataStage, ODI, etc.

GReg’s Technology Stack

Flexible

● Very flexible architecture which allows the platform to adapt fast to new regulatory and management requirements

● Calculation, validations, reporting are based fully on web editable rule tables

● Modular and extensible

The cycles are the most important component of the system

GReg’s Data FlowReporting

Cycle 1

Reporting Cycle 2

Reporting Cycle 3

Calculation Cycle 1

Calculation Cycle 2

Calculation Cycle 3

Optimization Cycle 1

Optimization Cycle 2

Optimization Cycle 3

Data Check(current month)

Validation(month to month)

Completeness Check

(departments)

EBA Validation XBRL

Optimization

Optimization cycle, based on 2 algorithms, selects the optimal collateral allocation resulting with the minimum Risk Weighted Asset and Capital Requirement.

Calculation

Calculation cycle serves to run important calculation which are later used for the Optimization Process and final COREP. Here is where Tranches are created and RWA calculation happens.

Historization

Reporting cycle holds information about the historized data of a load in time. If you want to see a load of 2015 or 2010, through this functionality it is made possible.

Load

Load Cycle holds information about the data received from the bank. This data are later on historized through reporting cycle.

Load Cycle

Sample: RWA & Collateral Optimization

Contracts/Customer

Loan

Accounts

Letter of credit

...

Overdrafts

Contract / CustomerRanking factors

Delinquency

Currency Mismatch

Credit Quality Step

...

Residence

Central Bank Collateral Type

Issuer External Rating

Issue External Rating

Collateral

Collateral Ranking:Collaterals have a RW, i.e. RRE = 35%, RRE=50%, Cash = 0% or calculated based on IRB approach for each Segment

Contracts are ranked based on several factors, corporate depending on assessment, retail = 75%, Delinquent depending on provision rate etc.

Optimization Algorithm1) Reallocates the collateral allocated amount of each exposure for further use in RWA calculation2) Optimizes the portion of allocated eligible collateral using any possible permutations seeking

minimal RWA of each group of connected customers and/or shared collaterals3) Defines for each exposure the unsecured portion and risk weight by creating Tranches

1

3

2

4 5

6

Sample: Contract Dimension

FACT

DIMENSION

CONTRACT EXPOSURE

CONTRACT

CUSTOMER

CONTRACT BEHAVIOUR

ACCOUNT

MONEY_MARKET

LETTER_OF_CREDIT

LOAN

RESTRUCTURED_LOAN

GUARANTEE

FACTORING

LIMIT

SECURITY

DERIVATIVE_DEAL

REPO

1 - to - 1

1 - to - 1

● Contract dimension table is defined as any relation the bank has with a customer

● All bank products are loaded in the Contract table

● For specific products i.e Loans, Accounts Limits etc. the contract table is extended in specific tables that introduce additional attributes. This tables are related 1-to-1 with contract and do inherit from CONTRACT table

● Limits are Contracts that are referenced and linked via Contract Balance as Off Balance exposures

● Contract exposure is the fact table related to Contracts. It specifies exposure and limit allocation.

● Each table has additional attributes called CUSTOM_ATTRIBUTE_XX that can be used by the banks for loading specific information needed for reporting

N - to – 1 (Limits)

PRODUCT TYPE

CONTRACT TYPE

BRANCH

CURRENCY

CONTRACT TRANSACTIONS

...

N - to - 1

Sample: Process Cycles

Load CycleLoad Cycle holds information about the data received from the bank. This data are later on historized in what we call Layer 2 or Core layer where all the historical information is available.

Before Historization Validation, Data Check and Completeness check are run to make sure the data have no quality issues and are consistent across departments.

Reporting CycleThe Reporting Cycle function in the Process sub – menu serves to display the Reporting Loads (historizations) executed in the Load Cycle and to initiate the Calculation process

Sample: Process Cycles

Calculation CycleIn this stage, the user is capable to view the calculation cycles conducted in the previous cycles and initiate an optimization cycle based on one of the selected calculation cycles.

Optimization CycleOptimization Cycle gives the opportunity to the user to run one of the optimization options. On top of one calculation cycle we can run more than one optimization cycle

Sample: XBRL output for Large Exposure

GReg’s Security & Hosting Options

Top notch security on 3 levels

● Physical● Infrastructure● Solution

Optional

● External security audits of our application and infrastructure, penetration testing, white hacking ext.

Security – High Level

● Hosting in highly available ISO 27001- Certified Data Centers in the UK, France, Germany, Austria, Switzerland and Luxembourg, on premises or cloud provider of choice

● Two-factor authentication to prevent social engineering attacks

● Full logging and audit trail on edits / delete / read / view

● Encryption of database and file system● Restrictively configured firewall● Stringent provider and administrator shielding● Highly secure 256-bit AES-GCM encryption on

servers, mobile apps and desktop clients● Highly secure 256-bit SSL/TLS encryption during

data transmission● PKI infrastructure for maximum security

Security – High Level

• Service and data availability is guaranteed using Microsoft high availability technologies.• All important cloud providers offer highly available and mission critical solutions for the Microsoft stack

• Service delivered to the right user is guaranteed by supporting any means of identity management and strong authentication

• Advanced rights management mechanism on field level, and full logging with original and resulting values is stored and can be published to log management solutions

• 200+ rule based validation of the data integrity are supported• Every edit and change is logged with timestamp, use, original value, resulting value

• Sensitive customer data can be encrypted• Microsoft SQL server platform • overs many db levels to guarantee confidentiality

Ava

ilabi

lity

Aut

hent

icity

Inte

grity

Con

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tialit

y

Keeping your data confidential by design

● Although the 4 pillars are of equal importance, GReg’s focus in on confidentiality due to the prevalence of data loss in financial and personal areas

● GReg is continuously reviewed for potential threats○ Internal data loss○ External hacking○ Securing data in case of hardware theft○ Unapproved administrator access

● Tools that can be used in addition are: sensitive data encryption, personal and bank data anonymization

Cloud Considerations

Cloud and Database Protection

● Microsoft and other big vendors know that security is a big concern for data systems

● They create built-in solutions such as:○ Password controls○ Data access based on roles and profiles○ IP restrictions for off-site access○ Auditing capabilities of who has run what

reports○ Security logging

● Central log management integration ● Identity management integration ● Strong authentication

On Prem Considerations: Architecture Sizing

GReg HW Sizing Calculator

Contracts 500’000   Collaterals 100’000   Users 15   Freq / month 2

Processor Type Intel® Xeon® Processor E5 family (Or Similar) Memory 32 to 64 GB

   

Operating System Windows Server 2012+ SQL Server

Version

SQL Server Standard (Enterprise edition may be necessary depending on the data

requirements)

Storage (Sample)

2x300GB SAS HDD for OS Raid 12x500GB high performance flash for Data and tempDB

2x500GB for LOG SSDs (Raid 10)

GReg’s Business Case

W1 W2 W3 W4 W6 W7 W8W5

Best Practice Timeline

Gap Analysis

Customization

Data Mapping

Source System Integration & Checks

Deploy

Kick-Off

iterative, agile execution and cycle testing

Implementation ~2 Months

Best Practice Timeline

W1 W2 W3 W4

Kick-Off

Define Use Case

Roll out customization

Customize/append data model with customer specific requirements

UAT

W1 W2

POC

Kick-Off

Gap Analysis

New Module / Report Proof of Concept

iterative, agile execution

GReg’s Competition

Startups Mature Large Consulting

At this stage companies like Prometeia and Asseco have the possibility and knowledge to deliver the solution but are slow in delivering their solutions while their use experience is challenging as well

The large consulting companies have solid business knowledge, but can’t always deliver the technology at scale and time

Startups offer solutions which cover a narrow scope, focused on technology, with limited knowledge on the industry

Typically these solutions are focused on XBRL functionality and don’t provide the regulatory calculation for banks

Up to EUR 100k Less than EUR 500k More than EUR 500k

GReg has the knowledge of a Large Consulting firm, providing an equally mature solution, yet at a reasonable price point and fast to implement

GReg’s Position

Startups

Mature

Large Consulting

more than EUR 500k

GReg

GReg has the knowledge of a Large Consulting firm, providing an equally mature solution, yet at a reasonable price point

less than EUR 500k

GReg’s Licensing Options

Lifetime License

● One off (upfront) license cost with no renewal fee

● Simple annual 20% maintenance/update fee● Maintenance/update contract will be

reviewed every 4 years with option for adjustments according to demand

● Ideal when CAPEX budget is available● Implementation efforts apply separately● For the full COREP stack it starts at EUR 100k

plus implementation and yearly maintenance

Monthly Subscription

● Pay as you go model with no upfront license fees

● All maintenance/update fees are included● Minimum 2 year commitment● Can be turned into a lifetime license

(conditions apply)● Ideal for OPEX budget situations● Implementation efforts apply separately● For the full COREP stack it starts at EUR

6.9k/month plus implementation

GReg’s Pricing Sample on a Lifetime LicenseBase Module XBRL + Validation Collateral Optimization Dashboard / Analytics Implementation (typical)

License* Maintenance** License* Maintenance** License* Maintenance** License* Maintenance** PDs Cost***

COREP (complete****) 100,000 48,600 20,000 7,200 30,000 9,000 30,000 8,400 385 250,250

COREP - Own Funds Requirements (Solvency Ratio) 64,000 12,800 16,500 3,300 30,000 6,000 7,000 1,400 138 89,700

COREP - IP Losses 30,000 6,000 1,500 300 - - 7,000 1,400 55 35,750

COREP - Large Exposures 40,000 8,000 5,300 1,100 30,000 6,000 7,000 1,400 110 71,500

COREP - Leverage Ratio 40,000 8,000 5,300 1,100 - - 7,000 1,400 110 71,500

COREP - Liquidity Coverage 40,000 8,000 5,300 1,100 - - 7,000 1,400 110 71,500

COREP - Reporting on stable funding (NSFR) 30,000 6,000 3,500 700 - - 7,000 1,400 83 53,950

COREP - Reporting on addl. monitoring metrics for liquidity 40,000 8,000 5,300 1,100 - - 7,000 1,400 110 71,500

COREP - Reporting on asset encumbrance 40,000 8,000 5,300 1,100 - - 7,000 1,400 110 71,500

Anacredit 50,000 10,000 20,000 4,000 - - 10,000 2,000 193 125,125

ICAAP Stress Test 64,000 12,800 - - - - - - 165 107,250

ICAAP Forecast 44,800 9,000 - - - - - - 110 71,500

All figures in EUR, ex VAT, indicative for an institution with < EUR 5BN in assets. Larger institutions may vary due to other technical requirements. Implementation effort depends on customer data availability and complexity. *) Lifetime based license **) Maintenance average 20% on license cost, subject to 4 yearly contract review ***) example based on average EUR 650 / PD ****) complete COREP license discounted, maintenance costs discounted on individual COREP modules

optional

GReg’s Pricing Sample on SubscriptionBase Module XBRL + Validation Collateral Optimization Dashboard / Analytics Implementation (typical)

Subscription* Maintenance** Subscription* Maintenance** Subscription* Maintenance** Subscription* Maintenance** PDs Cost***

COREP (complete****) 6,900 included 1,200 included 1,600 included 1,600 included 385 250,250

COREP - Own Funds Requirements (Solvency Ratio) 2,900 included 1,100 included 1,400 included 400 included 138 89,700

COREP - IP Losses 1,400 included 100 included - 400 included 55 35,750

COREP - Large Exposures 1,800 included 400 included 1,400 included 400 included 110 71,500

COREP - Leverage Ratio 1,800 included 400 included - - 400 included 110 71,500

COREP - Liquidity Coverage 1,800 included 400 included - - 400 included 110 71,500

COREP - Reporting on stable funding (NSFR) 1,400 included 300 included - - 400 included 83 53,950

COREP - Reporting on addl. monitoring metrics for liquidity 1,800 included 400 included - - 400 included 110 71,500

COREP - Reporting on asset encumbrance 1,800 included 400 included - - 400 included 110 71,500

Anacredit 2,300 included 1,400 included - - 500 included 193 125,125

ICAAP Stress Test 2,900 included - - - - - - 165 107,250

ICAAP Forecast 2,000 included - - - - - - 110 71,500

All figures in EUR, ex VAT, indicative for an institution with < EUR 5BN in assets. Larger institutions may vary due to other technical requirements. Implementation effort depends on customer data availability and complexity. *) monthly subscription with a 2 year commitment **) Maintenance included in subscription ***) example based on average EUR 650 / PD ****) complete COREP license discounted

optional

GReg’s License Model Comparison

● Sample full COREP implementation for an institute with < EUR 5BN in assets

● Includes Base as well as optional modules (XBRL + Validation, Collateral Optimization, Dashboard / Analytics)

● Comparing cost of both license models over a period of 5 years

● excluding initial implementation

● Lifetime license saves ~EUR 120k over 5 years

Sample total cost comparison over a period of 5 years for the full COREP stack and all optional modules

About

Analytics Expertise

scaling the economics of analytics

AlphaZetta provides on-demand access to the very best data and analytics expertise globally. Clients can access analytic consulting, engineering or data science expertise to suit their individual circumstances; from an hours advisory to team augmentation thru end to end project execution; AlphaZetta can help you scale your analytic capabilities quickly and economically.

The gig economy is here,work smarter

Globally the gig economy is expanding rapidly

• Easier to access the specialized talent when you need and only pay for what you use

• Analytics requires deep specialized knowledge that is hard to maintain in-house

• AlphaZetta provides an extended pool of talent to augment your in-house team, without paying large consulting firm rates

Independent work is rapidly evolving as digital platforms create large-scale, efficient marketplaces that facilitate direct and even real-time connections between the customers who need a service performed and the workers willing to provide that service.McKinsey Global Institute Oct 2016

AlphaZetta, the talent cloud for analyticsFrom open to everyone freelance databases, AlphaZetta is the next gen, a digital consulting company with on tap fully vetted experts, solutions and services.

10,500 Management Consultants2,500 Clients, 100% growth pa

22m members

14m members

IT Experts, the top 3%

Learning Advice500,000+ Members

Low Value

High Value

Everyone Specialized

Analytic ExpertsDigital Consulting Co.

Consultants in a

database

Digital Consulting CompanyNext Gen

490+ Consultants *** 42 Countries *** 7000+ years of experience

Data ScientistsData EngineersProgram ManagersAnalytics ConsultantsSolution ArchitectsAnalystsDevelopers & Testers

AlphaZetta Consultants GrowthGeography & Over Time

● Australia/New Zealand 128● Asia 215● Europe 98● Greater China Area 17● Latin America 21● North America 28

Note: Numbers only represent a snapshot as of day of assembling this slide. Numbers change as AlphaZetta grows.

AlphaZetta Consultant Roles

AlphaZetta Capabilities

Strategic AdvisoryRecognised as senior thought leaders

1

Data ScienceResearch, Stats, Maths, Machine Learning, AI, OR, Visualization, Insight Creation, Training

3

Subject Matter ExpertiseBusiness Consultants, Governance, Technology, Solution Deployment & Integration, Training

5

Analytics ConsultingIndustry Knowledge, Roadmaps, ROI,

Strategy & Organization, Analytics Processes & Methodologies, Training

2

Data EngineeringData related Sourcing, Streaming,

Processing, Profiling and Preparation, Big Data Architectures, Training

4

Data Warehousing & BIELT, ETL, Data Modelers, DBA,

Testers, Training

6

Engagement

Specified rolesKey skills

Short & long termOn demand

No overheadsTransparent rates

Resource Augmentation

490+ Consultants

Project Manage end-to-end engagements (Outcome based)Provides accelerators, IP, Use Cases, Solutions & Agile Methodology

Deep practical experience

New Zealand

Early Partner Base Early Client Base

Albania

Industry Expertise

meet the experts

AlphaZetta consultants are deeply passionate about analytics; it’s our craft and our lifework. We operate globally and are dedicated to delivering exceptional analytic services & outcomes without the overhead and costs of traditional consulting firms.

Data Science~130 ExpertsAverage 13 years experience

● Data Scientists specialize in the domains of maths, stats, physics, ML, AI, DNN et al and have experience leading and delivering complex analytical engagements

● Often have ingestion or wrangling capability to complement

● Typically Masters or PhD in CS, IT, Maths, Stats, Economy and other relevant fields

Analytics Consulting~130 Experts Average 16 years experience

● Consultants are experienced in end2end analytics delivery, coaching, digital transformation, agile practices, processes and methodologies, strategy and organizational consulting, project scoping, storytelling and mgmt

● Bachelor or Masters in CS, IT, Maths, Stats, Economy et al

AlphaZetta Expertise Domains (1/2)

Data Engineering~120 ExpertsAverage 13 years experience

● Seasoned in data engineering, design & architecture concepts, profiling, cleansing, loading and ingestion, standards and governance

● Exposure to multiple flavours of hw and sw

● Bachelor or Master in CS, IT, Maths or other relevant field

Typical domain expertise in the analytics world as we cater for in AlphaZetta. As some of our experts may fit more than one domain the colored indicators help to guide.

01 02 03

Subject Matter Expertise~30 ExpertsAverage 21 years experience

● Detailed industry leading experience in specific domain - Finance, Risk, Fin SvS, Mfg, Regulatory, Gov, Security et al

● Seasoned contributors to analytic consulting engagements

● Seasoned leaders of Analytical Consulting

● Masters or PhD in CS, IT, Maths, Stats, Economy or other relevant fields

Analytics Educators~10 ExpertsAverage 13 years experience

● Bachelor or Masters in CS, IT, Maths, Stats, Economy or other relevant fields

● Experienced with end2end analytics delivery, coaching, digital transformation, agile practices, processes and methodologies, strategy and organizational consulting, project scoping and mgmt

● Average 13 years experience in the industry

AlphaZetta Expertise Domains (2/2)

Strategic Advisory~15 ExpertsAverage 21 years experience

● Recognised as senior thought leaders in their field of expertise, helping to establish and drive the application of analytics and development of analytic trends domain wide

● Advocates of industry best practice, C level engagement for Data and Analytics strategy and planning

Typical domain expertise in the analytics world as we cater for in AlphaZetta. As some of our experts may fit more than one domain the colored indicators help to guide.

04 05 06

Finance Retail Manufacturing Transportation Telco

AlphaZetta Expert’s Industry Experience

Note: Companies are listed based on collective expert experience from seven AZ experts. They may or may not be AlphaZetta customers

Government Energy Media Education Others Tech

AlphaZetta Expert’s Industry Experience

Note: Companies are listed based on collective expert experience from seven AZ experts. They may or may not be AlphaZetta customers

Customer Stories

Our customers are united in their belief that there is intrinsic value in their data and that analytics holds the keys to unlocking this potential.

meet some customers

Supporting a Data First transformation at DBS

● South east Asia’s largest bank with 4m customers in Singapore and 280 branches across 18 markets

● Undergoing transformation to a digital bank, with an agile culture of innovation led by a Data First strategy

● Euromoneys’ Digital bank of the year in 2016

Alp

haZe

tta’s

Rol

e ● Talent Cloud for advanced analytics expert resources to support the banks Data First transformation effort

● Provides staff augmentation for the Chief Data Officer’s dept and IT around data architecture, reference data management, data modelling and agile analytics leads

● Surge resourcing for key parts of the development roadmap● DBS required specialist roles to support the movement and

handling of large data volumes into the cloud and their big data platform (cloudera) and the associated data modelling & improvement

● Deployment of key experts on long term contracts (3 - 12 months) to support a variable based resource pool to help deliver the transition roadmap

Out

com

e

Developing a data driven neobank at volt

● Sydney Australia based Neobank in development stage for 2018 Launch

● One of two new banking licenses with APRA

● Bank is built fully digital and around data and AI as a competitive advantage

Alp

haZe

tta’s

Rol

e ● Core partner for all analytics and AI● Strategy and conceptualization of value proposition● Driver of data driven features and capabilities● Developed analytics technology architecture and roadmap● Provide talent cloud for resourcing of analytics team on a

variable basis to enable access (scale up/down) to high end resources at a much lower cost base

● Surge resourcing for key parts of the development roadmap

● volt has instant access to a large pool of global experts on an on demand basis to develop world class analytics at a fraction of the cost of developing an in-house team

Out

com

e

Developing a wealth advisor at SISU Capital

● California based Family Office and Hedge Fund

● First SEC governed ICO for a Reg A filing

● Solution is built fully digital and around data and AI as a competitive advantage

Alp

haZe

tta’s

Rol

e ● Core partner for all analytics and AI● Strategy and conceptualization support for value proposition

and ICO● Data driven features and capabilities● Analytics technology architecture and roadmap● Provides the talent cloud resourcing for the analytics team as

a larger pool on a variable basis to enable access to high end resources at a much lower cost base.

● Surge resourcing for key parts of the development roadmap

● Work in progress. SISU leverages AZ talent to design and describe the solution as well as their use cases for their ICO

Out

com

e

Use Case Library

Financial Services

Our consultants collaborate to develop and deliver analytical best practice from which we continue to capture and distill processes, solutions, methodologies, tools and applications.

AlphaZetta’s Use Case Library allows customers to leverage this experience to accelerate their own analytics programs and activity.

1. Path to Fraud2. Fraud Networks3. Claims Fraud Detection4. Collections Analytics5. Minimize False Positives6. Online Fraud7. Compromised POS and ATM Detection8. Application Fraud9. Anti Money Laundering

10. Cyber Security11. Employee Fraud12. Broker Fraud13. Risk Scoring Model Improvement14. Risk Affinity Analysis15. Guarantee Networks16. Predict Default Risk17. Risk Based Pricing18. Credit Risk Uplift Model19. Data-driven Customer Verification20. Real-time Market and Liquidity Risk21. Storm Surge22. Flooding23. Natural Disasters24. Bush Fires

1. Sales Compliance2. Contact Center Service Efficiency3. Automated Email Follow-up4. Call Centre Analytics5. Data Breach and Leakage Analysis6. Branch Network Planning7. Path to Failures8. Automatic Client Email Routing9. HR Staff Performance Management

10. Duplicate Customer Records11. IT Workload Optimization12. Improved Customer Onboarding13. Optimize Fee & Commission Collection14. Manual Claims Reduction15. Pricing Optimization16. Telematics Based Pricing17. Location-driven Risk Management18. Online Process Failures19. HR Attrition Analytics20. Sales & Service Process Failure

1. Data-Driven Sales Process2. Marketing Attribution3. Digital Path to Churn4. Digital Path to Purchase5. Product Uptake Path6. Digital Wealth Bots7. Location Based Point Of Sale Offers8. NLP Analysis of Credit Dossier9. Money Flow Maximizer

10. Path to Profit/Non-profit11. Network Analysis of Customer Portfolio12. Real-time Customer GIS location marketing13. Big Data Cross-Sell Improvement14. Social Network Analysis15. Next Best Action16. High Value Lead Customer Generation17. NLP Based Lead Generation18. Lead Generation from Retail Data19. Churn Analysis of Customer Balances20. Lifetime Value Analytics21. Supplier Lead Generation22. Advanced Card Behavioral Analysis23. Predict Complaint24. People Like Me25. NPS Optimization26. Multi-Channel Customer Engagement27. Event Based Customer Lifecycle28. Map Out Customer Journey29. Real Time Dialogues30. Omni-Channel Purchasing31. Online purchase patterns

Marketing & Customer Risk & Fraud Operations

Financial Services Use Case Library

Key AreasExcerpt from our use case library, including insurance

The Independent Analytics Experts

In partnership with GreenLeafBusiness Solutions & Consulting