On-line users to check investments and receive alerts anywhere, anytime Advisors to overview clients’ portfolios and alerts on their activities Ad-hoc reporting and investment communications.
Self Directed Investments
Self-directed investment toolset for best e-commerce customer experience:
Trade securities, invest in funds.
Invest via periodic plans.
Client - Advisor Digital Collaboration
Interaction between client and firm across all channels and devices via video-chat and co-browsing. Recording of all messages, videos, etc for compliance and audit. Digital signing of contracts. Investor resources, market reports.
Investor self-profiling of risk and investment attitude. Online self-directed or hybrid (human-digital) advisory. Define goals and simulate investment scenarios. Invest in goals and periodically re-align investment strategy. Monitor progress of investments.
Social Media monitoring to indentify client life events.
Virtual Personal Assistant
Engine to query via voice or sentences, the engine understand the semantic of queries and answer accordingly.
Lead Generation & Prospecting
Ability to capture prospect initial informations, send communication to prospect, invite prospects to events and campaigns.
Ability to engage with the prospect by doing some services presentations, what-if simulations, investment proposals that might capture his interest and demonstrate the proposed service value.
Capturing prospect or client demographics, relations, source of wealth through data collection and questionnaires.
Client risk profilng by capturing his investment knowledge and experience, attitude to risk, loss adversion, investment behaviour and calculating a risk profile / behaviour profile to drive all proposals.
Investor self-profiling of risk and investment attitude on line.
Supporting the client on-boarding process, from prospect to client, capturing all informations needed from a regulatory and business perspective to on-boarding the client, including AML checks, PEP checks, facts finding, proposal generation and investment accounts creation in the back-office platform.
Supporting all Client management activities like scheduling client meetings, suitability review, quarterly reporting, mandata strategy changes, terminations, ad hoc mailings or communications.
Marketing campaign to promote a new product, service. Define target and lists, defining communications, sending e-mails or communications to clients. Collect campaign result and understand ROI. Supported by MS Dynamics Marketing module integrated with OFS Client Engage.
Supporting the full spectrum of fact finding, needs analysis, cash-flow analysis, wealth projection, goals setting, what-if scenarios simulation, investment proposal generation. Getting an holistic view of the customer’s global wealth and future needs, simulate what-if scenarios and suggest the best plan of actions to achieve the client’s goals.
Investment Proposal Selection
Given the investor risk profile, service type (discretionary, advice), investment time horizon, goal type (retirement, growth, liquidity, decumulation etc.), invested amount, they system is able to find the best fitting investment proposal in terms of model portfolio, asset allocation, product mix.
The Advisor can then tailor the proposal for the single investor.
Goal based advisory support the Advisor to set client's investment goals, setting assets to dedicate to each single goal, calculate probability to reach the goal for the given asset allocation, monitor goals' probability over time, alert when probability falls below a certain threshold.
Portfolio Management enables the portfolio manager to control his book of business, create investment portfolios (discretionary or advised), choose portfolio's investment strategy, rebalance portfolios to model, set & control ex-ante and ex-post constraints, monitor performances (MWRR, TWRR), risk indicators, performance attribution, exposure to markets, currencies, countries, benchmarking, portfolio reporting.
Under the European MIFID regulation, each investment proposal should be verified to be suitable against client's knowledge and experience, investment objective, time-horizon, type of customer. Suitability engine checks all investment proposals and execute a continuous monitoring of clients' portfolios suitabilty and generate alerts for advisor to rebalance or review.
Order Management & Execution
Orders generated from on-line trading users, portfolio managers rebalancing their portfolios, advisors giving recommendations to clients are routed to the order management engine that routes it to the market in best-execution, receives executions, and send it to the back-office for clearing and settlement. The trade desks manages the orders on the trade blotter.
Management Reporting & Presentation Suite
A multlidimensional datawarehouse engine that collects data on clients, portfolios, products, transactions, prices, benchmarks, fees, pay-in, pay-out, etc. and provides a set of business services to query and a set of dashboards as presentation suite. It serves management, marketing, sales, advisory desk, compliance.
Back office engine is the securities information master, securities and cash accounting master. It manages client payments, cash & securities transfers, corporate events and actions, dividends, management and administration fee processing, flexible commission plans, reporting including end of year Tax packs, reconciliation of Omnibus Accounts to beneficial owner.
Clearing & Settlement
Clearnig & Settlement engine provides:
Trade enrichment of settlement details based on a smart standing settlement instruction routing matrix.
Pre-validation of settlement instructions against intelligent message template repository maintained to SWIFT and/or local market standards.
Integration and monitoring of market gateways.
The Custodian integration engine manages stock and cash reconciliation with Custodians and correspondent banks.