The functions of the financeManager

CRM

Our comprehensive CRM function gives you all the tools you need to effectively manage your customers, optimize customer interactions and strengthen your sales activities.

Customer data

Customer master data

Personal and company data
Address, contact and tax data
Account management
Legitimation data
Sales allocation
Customer, role and authorization profile

Data consolidation

Flexible consolidation across individuals, portfolios and assets
Family structures, trust structures
Visual relationship diagram

Customer KYC

Natural or legal persons
Recording of all customer assets and origin of funds
Risk profiling for investor protection
Initial KYC and change process for KYC data
Configuration options at sales and client level

Categorization

Customer segmentation
Digital questionnaires
Ongoing risk and sustainability assessment
Guard rail system: Ongoing review of investor protection
Monitoring with user-defined trigger rules
Configurable authorizations (holders, authorized representatives, signatory authorizations, information authorizations, legal representatives, trustees...)

Profiling

User-oriented questionnaire creation
Targeted financial planning

Communication and documentation

eDocuments

Publication of eDocs and messages in the customer chat
Display and download eDocs
Filing and organization by document type
eSignature
Submission of signed eDocs
Connection to the bank's own document archive (DMS, FCMS system)

Secure messaging

Online mailbox incl. signature folder and digital signature
Online chat
Automatic message encryption
Set acknowledge-by-read flag
Notifications by e-mail and SMS

Content subscription

Connection to external content
Setting multiple channel feeds
Subscribe to individual channels
Set notifications for new content
House opinion: generation and dispatch of portfolio-specific market reports via AI

Discussion documentation

Archiving and allocation of call files

Onboarding

With the integrated onboarding process in financeManager, you shorten the time from the first customer interaction to the processing of the advisory order and enable the complete processing of the advisory order in the first appointment. We offer an intuitive and user-friendly interface to enable fast and complete account and custody account opening during the advisory process.

Customer onboarding

Online onboarding by the customer incl. legitimation
Option of direct data entry
Workflow-based input
Creation of forms
Storage of forms
Download the onboarding documents
Initial customer KYC
Approval and release processes
Automated customer, account and custody account investment
Processing the consulting/advisory assignment in the onboarding workflow
Processing the Robo-Adivce order in the onboarding workflow
Recording of third-party assets in the onboarding workflow

Customer Engagement

The comprehensive customer engagement options create the conditions to inspire your customers with simple processes in online trading and banking and enable smooth collaboration.

Portfolio analysis

Asset overview for accounts and custody accounts
Portfolio report incl. corporate actions
Asset allocation (currencies, regions, sectors, asset classes)
Presentation of calculated assets (drill-through)
Selectable consolidation levels
Cash flow projection & transaction
Extract relevant data in Excel and PDF
ESG and sustainability preferences
Expected return
Risk indicators and assessment
Portfolio optimization (Markowitz)
Stress test analysis
Attribution/Contribution
Ex-post cost statement

Portfolio performance

Historical performance (TWR, MWR, IRR)
Profit/loss per position
Realized/unrealized price gains/losses
Realized/unrealized income (accrued interest, etc.)
Before/after tax
Before/after fees

Trading

Input mask for orders
Order from item list
Order workflow
Risk profiling for investor protection
Guidelines for investments
Trading of all asset classes incl. derivatives business and crypto
Trading via all electronic and over-the-counter trading venues
Creation of savings and reduction plans
Trade in all currencies
Order supplements (limits, validity, etc.)
Real-time trading prices
Test routines (e.g. target market, tradability, etc.)
Review and documentation of appropriateness
Ex-Ante report/receipt
Approval process (4-eyes principle)
Pouvoir Management
Signature folder for the collective processing of orders
Display of order book (order status)
Cash block for order (reservation)
Automatic storage and processing of billing data
Custodian bank connection

Banking

Target and reference account
Payment methods: bank transfer, standing order, direct debit
Tracking the payment status
Definable payment rules
PSD2-compliant API

Asset management

In asset management, we offer comprehensive analyses of portfolios and performances. financeManager offers optimized management of model portfolios, robo-advice and integrated automated order routing.

Portfolio analysis

Asset overview for accounts and custody accounts
Portfolio report incl. corporate actions
Asset allocation (currencies, regions, sectors, asset classes)
Presentation of calculated assets (drill-through)
Selectable consolidation levels
Cash flow projection & transaction
Extract relevant data in Excel and PDF
ESG and sustainability preferences
Expected return
Risk indicators and assessment
Portfolio optimization (Markowitz)
Stress test analysis
Attribution/Contribution
Ex-post cost statement

Portfolio performance

Historical performance (TWR, MWR, IRR)
Profit/loss per position
Realized/unrealized price gains/losses
Realized/unrealized income (accrued interest, etc.)
Before/after tax
Before/after fees

Definition of the model portfolios

Definition of model portfolios
Definition of portfolio criteria (risk, minimum investment, etc.)
Portfolio versioning and history
Automatic distribution monitoring
Product description and documentation
Management of the model portfolios by an external sales agent (outsourcing)

Onboarding

Stringent onboarding workflow
Stringent resolution workflow

Operational asset management

Initial investment and portfolio configuration
Product management incl. house opinion
Automated monitoring of central and individual portfolio key figures
Automated billing of fees
Automated portfolio rebalancing
Automated order routing
Cross-departmental workflows

Reporting and documentation

Measures taken by the administrators
Management fees (all-in, performance, high watermark, individual)
Export for external accounting systems
Purchase and sale of securities
Income postings, expenses, fees, taxes
Loss threshold reporting
Recurring reporting (monthly, quarterly, semi-annually, annually)

Management types

Fund-based management
Discretionary management
Robo-Advice
Definition of exclusion criteria
Definition of individual monitoring criteria

Order execution

Connection to order management

Investment advisory

For professional advice, financeManager offers extensive reporting and analysis functions, flexible and automated MiFID II advisory workflows, portfolio simulations, robo-advice and automated order routing.

Portfolio analysis

Asset overview for accounts and custody accounts
Portfolio report incl. corporate actions
Asset allocation (currencies, regions, sectors, asset classes)
Presentation of calculated assets (drill-through)
Selectable consolidation levels
Cash flow projection & transaction
Extract relevant data in Excel and PDF
ESG and sustainability preferences
Expected return
Risk indicators and assessment
Portfolio optimization (Markowitz)
Stress test analysis
Attribution/Contribution
Ex-post cost statement

Portfolio performance

Historical performance (TWR, MWR, IRR)
Profit/loss per position
Realized/unrealized price gains/losses
Realized/unrealized income (accrued interest, etc.)
Before/after tax
Before/after fees

Consultation

Individual advisory process (personal, hybrid, digital)
Approval workflows
Pouvoir regulation
Robo-Advice

Advice according to sample portfolio

Definition of model portfolios
Investment proposal based on sample portfolios
Portfolio comparisons
Rebalancing based on model portfolios
Automatic monitoring and comparison with model portfolios
Creation of orders
Creation of alternative proposals from the simulation
Flexible modular logic with model portfolios (core and satellite investment)
Provision of sample portfolio documents and information

Initial installation

Lifecycle planning and milestones
Investment objectives and financial background
Analysis of third-party bank deposits
360-degree advice: Recording of all assets including alternative asset classes (e.g. real estate)
Individual portfolio or sample portfolio
Type of business: Advisory, advisory-free business, asset management
Selection of the investment universe
Variable product catalogs
Consideration of in-house opinions
Direct generation of the order list

Portfolio optimization

Automatic monitoring of the portfolio guard rails
Intelligent rebalancing (rolling risk contribution, efficiency frontier)
Portfolio simulation from optimization proposal (before/after)
Definition of individual parameters for optimization
Direct generation of the order list

Portfolio simulation

Portfolio of model starting points
Simulation of the effects of changes (before/after)
Automatic calculation of expected return and key risk figures

Evaluation of scenarios

Evaluate portfolios based on scenarios
Predefined scenarios
Construction of scenarios
Backtesting of the portfolio
Monte Carlo simulation program

MiFID II documentation

Risk profiling for investor protection
Knowledge and experience
Guidelines for investments
Target market of the product
Checking the suitability and appropriateness of the product

MiFID II documents

Legally relevant forms
Reports on investment proposals
Minutes of the advisory meeting
Ex-ante cost statement
Ex-post cost statement
Presentation of suitability and appropriateness
Product documentation
Automatic document creation
Automatic archiving of documents
Delivery as eDocuments

Order execution

Connection to order management

Compliance

With our automated risk management and compliance with all relevant standards and certifications, we help you to maintain control of your compliance processes, minimize risks and ensure the security of your IT infrastructure.

Contact logs and call reports

Verifiable customer interactions

Testing of restrictions

Verification of compliance in the run-up to trading
Default settings for MiFID II
Customer-specific restrictions
Soft, medium, hard specifications
Mass change due to central specifications

MiFID II documentation

Risk profiling for investor protection
Financial situation and investment targets
Knowledge and experience, risk profile
Guidelines for investments
Target market definition at product level
Feasibility check before trading (pre-order check)
Suitability and appropriateness process
Automatic creation of transaction reports
Residence-specific client and mandate classification
Consolidated order documentation (customer profiling, suitability, appropriateness, ex-ante, order confirmation, ESG)
Recurring reporting (monthly, quarterly, semi-annually, annually)

MiFID II documents

Legally relevant forms
Reports on investment proposals
Minutes of the advisory meeting
Ex-ante cost statement
Ex-post cost statement
Presentation of suitability and appropriateness
Product documentation
PRIIPs, BIBs
Automatic document creation
Automatic archiving of documents

GDPR/DSGVO

Management of customer consent
Purpose of the data and authorization
Automatic validation of data legitimacy
Full reporting on the right to be forgotten
Manual and automatic data cleansing

Miscellaneous

Requirements of the Securities Act WpHG, WAG
ICS and auditing in accordance with the applicable EBA guidelines
FMA compliant
BaFIN incl. FAQs approved
Auditing according to ISO 27001
ICS according to ISAE 3402
Auditing in accordance with IDW PS 951 Type 2

Visualization and reporting

Our comprehensive visualization and reporting solution gives you all the tools you need to understand, analyse and use your data profitably. The customizable dashboards for customers, employees and management can be adapted to the company CI.

Reports and design

Data export to Excel and PDF
Customizable CI
White labeling possible

Customer reports

Reports at portfolio level
Consolidated reports for clients and selected portfolios
High-quality, professional design
Configurable report structure

Business analytics

Query-based data analysis
Excel export

Dashboards

Role-based dashboards for management, advisors, asset managers and clients
Configurable dashboards at user level

Statistics dashboard

Client Assets and Liabilities
Net New Money
Inventory volume by category
Ranking for advisors
Inflows and outflows
Portfolio risks
Portfolio performance
Order cancellations
Comparison dashboard of selectable portfolios and sample portfolios
Asset management statistics

Portfolio dashboard

Portfolio performance
Portfolio optimization
Asset development
Risk aspects
Asset classes
Securities
Currencies
Regions
Industries
Expected return
Transactions
Portfolio key figures
Portfolio analysis
ESG key figures
Stress test
Account postings

Order
management

Order management

With integrated order management, you retain full control over your trading activities and process orders quickly, efficiently and securely. We offer extensive trading functions for all asset classes, various currencies and stock exchanges.

Entering orders

Input mask for orders
Order from item list
Order type: Client request, Advisor proposal, Asset management
Order workflow
Trading of all asset classes incl. derivatives business and crypto
Creation of savings and reduction plans
Trading via all stock exchange and over-the-counter trading venues
Trading in different currencies
Order supplements (limits, validity, etc.)
Real-time trading prices
Collective order
Block order
Various delivery methods for order documents (e.g. in person, e-mail, signature folder, digital signature, etc.)
Order book display (order status)
Cash block for order (reservation)
Automatic storage and processing of billing data

Testing of restrictions

Verification of compliance in the run-up to trading
Default settings for MiFID II
Customer-specific restrictions
Soft, medium, hard specifications
Examination of risk profiling for investor protection
Examination of guidelines for investments
Test routines (e.g. target market, tradability, etc.)
Review and documentation of appropriateness and suitability
Ex-Ante report
Approval process (4-eyes principle)
Power management

Interfaces

Open API: Universally connectable
SWIFT and FIX standards can be connected
Order roundtrip incl. execution
Excel-based order import and export
Direct connection to custodian bank

Commission management

Efficient commission management is the key to motivating and managing your sales staff. With our solution, you can automate and optimize all processes relating to the calculation, payment and monitoring of commissions.

Billing external sales

Management of external sales
Individual commission fees
Ex-Ante incl. external sales
Commission accounting and payment of third-party sales
Commission reporting
Approval and release process

Technology and administration

Easily integrate our solution into your existing systems and workflows via open interfaces (Open API). Define individual user roles and assign authorizations for various functions and still manage your systems and applications easily and conveniently via an intuitive interface.

Interfaces

Open API
.csv imports and exports

Administration

Organization management
Role and authorization concepts
Central master data management
Administration and configuration of rules and central specifications
Mass changes due to central specifications

Monitoring

Application monitoring
Interface monitoring

System

Multi-device
Client capability
Multilingualism

IT architecture

Kubernetes
Docker
Java