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The Mortgage Treasury Business - Fixed or Floating?
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Kyriba
The Market Leading Liquidity
Platform
Safe | Secure | Simple
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
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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
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6
TREASURY PLATFORM USE.
What type of treasury platform are you currently using?
Info courtesy of Strategic Treasury
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7
CLOUD DOMINANCE ACHIEVED.
Info courtesy of Strategic Treasury
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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.
Info courtesy of Strategic Treasury
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1
1
SHORT-TERM LIQUIDITY MANAGEMENT.
We use the following aggregationtechniques/toolsfor investments:
Source: 2020 Insurance Treasury Survey
Institutional MMF
Investment Sweep
Liquidity Pool
Info courtesy of Strategic Treasury
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1
2
SIGNIFICANT BALANCES.
Only 25% Are Implementing an Adjustment.
Source: 2020 Insurance Treasury Survey
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?
Info courtesy of Strategic Treasury
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Info courtesy of Strategic Treasury
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).
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1
4
NEW PAYMENT ADOPTIONS.
New Payment Plans and Usage.
Source: 2020 Insurance Treasury Survey
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)
Info courtesy of Strategic Treasury
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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)
Source: 2020 Insurance Treasury Survey
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
Info courtesy of Strategic Treasury
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18
THE PAIN POINTS.
What are the highest compliance pain points for you?
Source: 2020 Insurance Treasury Survey
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
Info courtesy of Strategic Treasury
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19
COUNTERPARTY RISK.
Increasingly Important.
Do you set limits (bank balances, total counterparty)
at the bank level in coordination with Risk
Management?
Source: 2020 Insurance Treasury Survey
What is the frequency bank limits are monitored?
Info courtesy of Strategic Treasury
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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.
Info courtesy of Strategic Treasury
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2
1
MEASUREMENTS & LEARNING
EXPOSURE MANAGEMENT
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Key Priorities for Treasury
22 Info courtesy of Strategic Treasury
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HOW DO YOU SELF EDUCATE?
Info courtesy of Strategic Treasury
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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
Info courtesy of Strategic Treasury
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Q&A: Su bm it you r qu est ion s
via t h e con t rol pa n el!
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The Mortgage Treasury
Business – Fixed or Floating?
Thank you for joining us today!
Ready to get started? sbullock@kyriba.com