The Mortgage Treasury Business - Fixed or Floating?

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The Mortgage Treasury
Business – Fixed or Floating?

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Today’s Panel
MATT SEU
Actualize Consulting
MICHELLE RICHARDSON
Plaza Home Mortgage
STEVE BULLOCK
Kyriba

TECHNOLOGY
What others are using
PLANS & FOCUS
What are the priorities & Future Plans
LIQUIDITY & PAYMENTS
Liquidity structure and payment types
MEASUREMENTS
& LEARNING
TOPICS OF
DISCUSSION.
KEY AREAS OF FOCUS & ANALYSIS.
4

Kyriba.com Copyright © 2020 Kyriba Corp. All rights reserved. 5
TECHNOLOGY
COMPLEXITY

6
TREASURY PLATFORM USE.
What type of treasury platform are you currently using?
Info courtesy of Strategic Treasury

7
CLOUD DOMINANCE ACHIEVED.

8
NEW TECH USE: DATA & ANALYSIS.
Over Half Don’t Know or Don’t Use Business Intelligence Systems.
Please select the system types and data management tools that you have, will upgrade or expect to purchase.

1
0
LIQUIDITY & PAYMENTS
TECHNOLOGY

1
1
SHORT-TERM LIQUIDITY MANAGEMENT.
We use the following aggregationtechniques/toolsfor investments:
Source: 2020 Insurance Treasury Survey
Institutional MMF
Investment Sweep
Liquidity Pool

1
2
SIGNIFICANT BALANCES.
Only 25% Are Implementing an Adjustment.
Balances that remain in our operating bank accounts and
investment/custodyaccounts are significant?
Do you have plans to adjust the level of exposure on
your OPERATINGor INVESTMENTbalances?

INBOUND VS. OUTBOUND.
ACH & Checks Used the Most.
What is your typical monthly payment volume
(inbound payments company-wide).
What is your typical monthly payment volume
(outbound payments company-wide).

1
4
NEW PAYMENT ADOPTIONS.
New Payment Plans and Usage.
What are your plans with the new payment types (faster
payments, same day ACH, SWIFT GPI, etc.)?
(Sub question):The reason we use/plan to use the
new payment types include: (Select all that apply)

1
6
FOCUS & PLANS
PLANS & FOCUS

17
PRIORITIES.
Tie for First Place.
What are the highest priorities over the next 12-18 months? Please rank from 1 to 7 (1 being the most
important)
1
Efficiency (Process)
Security/Fraud Prevention
3 Compliance
4
Cost Management
Technology/Acquisition/
Implementation
6 Reporting/Visibility/Analysis
7 Staff Development
Most
Important
Least
Important

18
THE PAIN POINTS.
What are the highest compliance pain points for you?
x Bank Account Management
Sanction/Screening Management
Most Painful
Least Painful
Data Protection
Know Your Customer (KYC)
Secure Email
Fraud Issues
x New Payment Types

19
COUNTERPARTY RISK.
Increasingly Important.
Do you set limits (bank balances, total counterparty)
at the bank level in coordination with Risk
Management?
What is the frequency bank limits are monitored?

20
PLANNED CHANGES.
About a Quarter of Respondents Looking to Replace or Purchase TMS.
Please select the system types and data management tools that you have, will upgrade or expect to purchase.

2
1
MEASUREMENTS & LEARNING
EXPOSURE MANAGEMENT

Key Priorities for Treasury
22 Info courtesy of Strategic Treasury

HOW DO YOU SELF EDUCATE?

FINAL THOUGHTS.
Ideas and Points to Bring Back to the Office.

Digital Techniques
• Early stages of
adoption
• Every $ counts
• Business benefitsa
must

Efficiency
• Take the
opportunity for
change
• Review to improve
often
• Seek peer
perspectives

Fraud Mitigation
• Fraud becoming
more prevalent
• Ensure consistent
workflow approval
• Enhance controls

Q&A: Su bm it you r qu est ion s
via t h e con t rol pa n el!

The Mortgage Treasury
Business – Fixed or Floating?
Thank you for joining us today!
Ready to get started? sbullock@kyriba.com

The Mortgage Treasury Business - Fixed or Floating?

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