Compliance and Risk Management

Regulatory compliance requirements, including anti-money laundering, the Basel II framework and data privacy regulations, are forcing financial institutions to overhaul their information systems, integrate their databases and develop more detailed and timely reporting capabilities.

The underlying Rating Methodology and Measurement Framework for identification critical risk assessment factors in Capital, Operational, Market and Liquidity Risks is a major challenge. Zensar has expertise in addressing various regulatory, practical and implementation issues in risk factors through System and Process augmentation thus meeting client's expectations and maximize financial performance.

Zensar facilitates financial institutions in enterprise-wide risk management by defining and integrating the processes, data, applications and models to calculate and report the capital-reserve requirements associated with credit, market and operational risks.

Zensar solution offerings in Risks and Compliance Management include:

• Enterprise-wide Risk Management - Operational, Credit, Market and Liquidity Risk
• High-end Consulting, Due Diligence, Gap Analysis, Benchmarking
• Quantitative Risk modelling, Capital Allocation, Capital-reserve requirements
• Overnight and intra-day counterparty exposures, netting, collateral
• "What-if" analysis and "Best hedge" recommendations for managing investment related risk
• Capital Management - Risk-weighted Assets, calculation of BASEL II capital ratios
• Identification of "loss events", risk thresholds and controls
• Market risk exposures - interest rate, exchange rate, credit spreads, volatilities etc
• Stress testing, simulation-based scenario generation, aggregation and portfolio optimization
• VaR calculation,correlation matrix, interfaces with real-time financial information network
• Effective management of unexpected increase/decrease in funding sources
• Quantitative and Qualitative liquidity risk assessment
• Implementation of Compliances including Basel II, AML, Sarbanes-Oxley, MiFID