Comprehensive risk management capabilities, including credit risk, market risk, and operational risk. It integrates data across the organization to provide insightful analytics for risk assessment.
More about Oracle Financial Services
Solutions for assessing counterparty credit risk, setting and monitoring credit limits, and managing collateral requirements for margin accounts and securities lending.
More Credit Risk Management Systems
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Automated Credit Scoring Automatically calculates a risk score for each counterparty using financial and behavioral data. |
Oracle Financial Services Risk Management provides automated credit scoring based on collected financial data for counterparties as part of its comprehensive credit risk management tools. | |
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Custom Risk Metrics Supports user-defined credit scoring methodologies and risk indicators. |
The system supports custom configuration of risk metrics and scoring methodologies as part of its advanced analytics and risk modeling framework. | |
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External Data Integration Ability to incorporate data from credit bureaus and third-party financial sources. |
Oracle mentions integration with internal and external data sources, including credit bureaus and market data, supporting external data integration. | |
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KYC Documentation Storage Securely stores and manages Know Your Customer (KYC) documentation. |
The product offers secure management of customer and counterparty documentation, including KYC, as part of regulatory compliance. | |
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Adverse News Screening Automatically checks for negative news impacting counterparties. |
Oracle's solution includes adverse news and watchlist screening for counterparties as part of enhanced due diligence. | |
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Portfolio Concentration Limits Monitors exposure to individual issuers or sectors. |
Portfolio concentration monitoring is a standard feature in Oracle's risk suite to manage sector and issuer exposures. | |
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Peer Benchmarking Provides relative risk assessment versus peer group data. |
Peer benchmarking and comparative analytics are included as part of Oracle's advanced risk analytics modules. | |
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Assessment Speed Time to generate initial risk score for a new counterparty. |
No information available | |
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Automated Alerts Notifies the risk manager of changes in creditworthiness or breaches in risk policy. |
Product documentation highlights automated alerts for creditworthiness and risk events. | |
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Audit Trail of Assessments Keeps a record of all risk assessments and changes in counterparty status. |
Oracle Risk Management maintains a record of all risk assessments for auditability and regulatory compliance. |
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Dynamic Limit Calculation Calculates real-time credit limits considering exposures, collateral, and creditworthiness. |
Dynamic, real-time credit limit calculation features are described in Oracle's product literature. | |
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Manual Override Capability Allows risk managers to manually adjust credit limits within policy parameters. |
Manual override for credit decisions and limits is a feature highlighted in the product's risk management workflow. | |
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Limit Hierarchies Supports group- and entity-level limit aggregation. |
Oracle supports limits at multiple hierarchical levels for groups and entities. | |
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Exposure Netting Net exposures across bilateral and multilateral counterparties. |
Exposure netting across counterparties is covered by Oracle's exposure management tools. | |
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Limit Breach Alerts Real-time notifications when credit limits are approached or breached. |
Real-time breach and approach notifications for credit limits are standard in Oracle's alerting system. | |
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Proposed vs. Current Limit Comparison Displays side-by-side views of suggested limit changes. |
The product provides comparison views of proposed and current limits in approval workflows. | |
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Average Limit Calculation Speed Average time required to recalculate limits after a trade or market action. |
No information available | |
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Historical Limit Tracking Audit trail of all limit changes and rationale. |
Audit trails for limit changes are included as part of solution's compliance features. | |
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Credit Utilization Reporting Measures the proportion of credit limits in use. |
Credit utilization reporting is featured in the standard and customizable risk dashboards. | |
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Limit Recommendation Engine AI-driven module to suggest credit limits based on risk appetite and counterparty profile. |
AI-based or rules-based limit recommendation engines are available in Oracle's advanced modules. | |
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Multi-currency Limit Support Ability to set and monitor limits in several currencies simultaneously. |
Multi-currency support is specifically mentioned in the credit risk and exposure modules. |
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Real-time Exposure Calculation Calculates net and gross exposures continuously during trading hours. |
Oracle Risk solution processes exposures in real-time during trading hours. | |
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Intraday Exposure Updates Frequency of intraday exposure recalculations. |
No information available | |
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Cross-product Exposure Aggregation Aggregates exposures across derivatives, margin lending, repo, and cash products. |
Exposure aggregation across product types (derivatives, repo, lending, cash) is documented. | |
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Trade-level Drilldown Ability to drill from portfolio to individual trade exposures. |
Users can drill down from total portfolio to single-trade exposures in the analytical UI. | |
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Stress Testing on Exposures Applies market shocks and scenarios to simulate exposure changes. |
Stress testing and simulation of exposures is a core component of the solution. | |
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Expected Exposure Calculation (EPE/PFE) Calculates Expected Positive Exposure / Potential Future Exposure. |
EPE and PFE calculations are referenced as available functions for counterparty risk. | |
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Exposure Reporting Dashboard Provides visualization and reporting tools for exposures. |
Oracle provides graphical exposure dashboards and custom reporting interfaces. | |
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Exposure Aging Analysis Analysis of how long exposures have been held. |
Exposure aging (vintage analysis) is included in reporting tools. | |
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Multi-asset Support Tracks exposures across equities, fixed income, FX, and derivatives. |
Multi-asset capability (equities, FI, FX, derivatives) is outlined in risk modules. | |
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Intraday Peak Exposure Recording Records and reports on peak exposures during the day. |
The solution tracks peak exposures throughout the day for compliance monitoring. |
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Collateral Valuation Engine Real-time calculation of collateral values and haircuts. |
Collateral valuation engine is a documented feature for real-time inventory and haircut calculation. | |
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Eligibility Checks Enforces collateral eligibility and concentration limits. |
Eligibility checks for collateral and compliance limits are included in workflow. | |
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Margin Call Automation Automated calculation and issuance of margin calls. |
The solution automates margin call calculation and electronic issuance. | |
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Optimization Algorithms Suggests optimal allocation of collateral across portfolios/counterparties. |
Optimization of collateral allocation is included as part of cost and risk minimization tools. | |
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Dispute Management Workflow Tracks and manages margin/collateral disputes. |
Dispute management workflow for margin/collateral disputes is mentioned in the collateral module. | |
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Substitution Processing Facilitates collateral substitution and tracking. |
Collateral substitution processing is available for eligible portfolios. | |
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Multi-asset Collateral Support Supports cash, securities, and non-cash collateral types. |
Supports both cash and non-cash collateral types (e.g., securities), documented for OTC derivatives. | |
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Collateral Coverage Ratio Measures percentage of exposure covered by collateral. |
No information available | |
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Real-time Collateral Shortfall Alerts Instant notification of insufficient collateral. |
Real-time shortfall alerts and dashboard indicators are included for collateral adequacy. | |
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End-of-day Margin Call Volume Number of margin calls processed per day. |
No information available |
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Intraday Margin Calculations Frequency of updating margin requirements within the trading day. |
No information available | |
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Scenario Margining Margin requirements can be run under stress or ‘what-if’ scenarios. |
Scenario margining ('what-if' analysis for margin) is covered under stress test and analytics. | |
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Portfolio Margining Margin calculation considers risk offsets at the portfolio level. |
Portfolio margining with risk offsets across assets is included in the documentation. | |
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Real-time Breach Notification Detects and notifies about margin breaches as they occur. |
Notifications and real-time breach alerts for margin and limit events are available. | |
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Minimum Margin Enforcement System enforces predefined minimum margin requirements. |
Minimum margin requirement enforcement is a compliance feature. | |
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Margin Requirement Analytics Visual analytics and reporting for margin set, called, and posted. |
Margin analytics and reporting are enabled via dashboards and custom reporting. | |
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Historical Margin Utilization Reporting Tracks margin utilization trends over time. |
Historical trends and reporting for margin utilization are mentioned in the analytics modules. | |
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Automated Liquidation Triggers Auto-initiates asset liquidations if margin calls are not met. |
Automated liquidation triggers when margin is not met are part of the risk management rules engine. | |
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Multi-currency Margin Support Handles margin calculations across multiple currencies. |
Product supports multi-currency margin calculations for international clients. | |
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Client Notification Workflow Automated communications for margin requirements. |
Automated communication for margin call/client notification is a standard feature. |
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Custom Report Builder Enables users to design customized credit risk and exposure reports. |
Custom report builder is part of Oracle's analytics and reporting framework. | |
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Regulatory Reporting Templates Predefined templates for BASEL, EMIR, and other regulatory regimes. |
Regulatory reporting templates are provided for BASEL, EMIR, and other regulations. | |
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Trend Analysis Tools Analyze trends in exposure, margin, and limit breaches. |
Trend and historical analytics are featured within the risk analytics dashboard. | |
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Real-time Dashboard Widgets Allows for live visualization of exposures and limit statuses. |
Real-time visual dashboards are noted as a UI feature. | |
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Export to Multiple Formats Supports data export in XLS, PDF, CSV, XML, etc. |
Supports exporting reports in multiple formats (XLS, PDF, CSV, XML). | |
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Scheduled Report Automation Automatic generation and distribution of risk reports. |
Ability to schedule automated report generation and distribution is documented. | |
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Access and Permissions Management Controls report access by user, group, or role. |
Role-based access and permissions control is detailed in user administration and compliance sections. | |
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Drill-down/Drill-through Reporting Interactive exploration from summary to detail in reports. |
Interactive drilldown and filtering from portfolio to transaction are available in reporting tools. | |
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Exception and Outlier Detection Flags exposures or limit utilizations that deviate from historical norms. |
Exception and outlier detection included within risk monitoring analytics. | |
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Report Generation Speed Time taken to produce standard risk reports. |
No information available |
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API Availability Exposes RESTful and/or SOAP APIs for data exchange. |
REST and SOAP APIs are available for data integration and interoperability. | |
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FIX Protocol Support System supports FIX messages for trading and credit checks. |
No information available | |
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Plug-ins for Major OMS/EMS Pre-built interfaces to most major Order/Execution Management Systems. |
No information available | |
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Batch Import/Export Handles large data imports/exports on a scheduled or ad-hoc basis. |
Batch data import/export for large-scale and scheduled data integration is supported. | |
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Real-time Data Feed Integration Integrates with market data, reference data, and clearing services. |
Integration with real-time data feeds (market, reference, clearing) is specifically mentioned. | |
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Single Sign-On (SSO) Seamless authentication integration via SSO protocols. |
Oracle supports enterprise Single Sign-On (SSO) protocols. | |
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Custom Integration Toolkit Provides tools for building custom connectors or adapters. |
Custom integration toolkit for connectors and custom adapters is available in the developer portal. | |
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Latency of Integration Minimum time delay for real-time data synchronization. |
No information available | |
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Cloud-native Support Ready for use in public/private/hybrid cloud environments. |
Oracle’s cloud-native architecture is referenced, supporting public and private cloud deployments. | |
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Data Transformation Utilities Automated translation/mapping between external and internal data formats. |
The system provides data transformation and mapping tools for integration projects. |
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Role-based Dashboards Tailors presentation and data access by user role (risk, sales, operations, etc.). |
Role-based UI dashboards are configurable for different business functions. | |
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Self-service Configuration Users can customize workflows, alerts, and reports without IT intervention. |
Self-service configuration for workflows, alerts, and reports is possible via administrator tools. | |
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Notification Preferences Users can define how and when to receive alerts (email, in-app, SMS). |
Notification preferences per user (email, SMS, in-app) are configurable in platform. | |
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Accessibility Features Supports accessibility standards for visually or physically impaired users. |
No information available | |
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Multi-language Interface System provides UI in multiple languages. |
Multi-language user interface is available for global institutions. | |
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Web and Mobile Access Available via both web browser and mobile applications. |
Web and mobile access are referenced for risk dashboarding. | |
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Custom Theme/Branding Allows organizations to apply their own branding and style. |
Product supports custom branding and theming for clients. | |
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Average Screen Load Time Time to load standard user interface screens. |
No information available | |
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Help and Training Modules Built-in training and contextual help documentation. |
Comprehensive help, FAQs, and training modules are included. | |
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User Feedback Mechanism In-app submission of suggestions, feature requests, or issues. |
No information available |
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Data Encryption Uses strong encryption for data at rest and in transit. |
Strong encryption for data in transit and at rest is identified in Oracle’s security documentation. | |
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Access Control Robust, configurable permissions down to the field level. |
Access control with granular permissions (field-level if required) is supported. | |
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Audit Logging Full logs of user activities and system events. |
System maintains audit logs of user and administrative actions. | |
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GDPR/CCPA Compliance System facilitates compliance with privacy regulations. |
System facilitates GDPR/CCPA and other privacy compliance for data retention and processing. | |
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Secure API Authentication Supports OAUTH2, SAML, or similar protocols. |
OAuth2, SAML, etc., authentication supported for secure API access. | |
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Penetration Testing Status Whether the product undergoes regular penetration tests. |
Oracle's security policies require regular penetration testing. | |
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Segregation of Client Data Prevents access to one client’s data from another client’s users. |
Multi-tenant client data segregation is standard in Oracle cloud architecture. | |
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Automated Compliance Checks System runs policy checks on all risk and limit actions. |
Automated compliance and policy checks are part of risk action workflows. | |
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Configurable Data Retention Policies Ability to set data archival/scrubbing rules for regulatory retention. |
Configurable data retention and scrubbing settings are part of regulatory compliance. | |
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Incident Response Time Expected time to respond to security/compliance alerts. |
No information available |
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Real-time Breach Alerts Instant notifications of exceeded credit limits, margin shortfalls, or other key thresholds. |
System provides real-time breach alerts for limit, margin, and threshold violations. | |
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Configurable Alerting Rules Users can define custom alerting logic and thresholds. |
Custom, detailed alert rules and thresholds can be configured at user/admin level. | |
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Alert Escalation Workflow Escalates unaddressed alerts to higher-level management. |
Escalation workflow for unaddressed alerts is a standard operational risk control. | |
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Alert Delivery Methods Methods supported (email, SMS, push, system inbox). |
Alerts can be delivered via email, SMS, push, or in-app notification, per product datasheets. | |
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Historical Alert Log Full history of triggered alerts and user responses. |
Historical records and log of alerts/notifications are kept for compliance. | |
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User Acknowledgement Tracking Requirement and tracking of user acknowledgement on critical events. |
No information available | |
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Average Alert Delivery Latency Time to deliver and acknowledge alerts. |
No information available | |
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Automated Remediation Initiates workflow actions (e.g., block trades) when breaches persist. |
Automated remediation policies (e.g., blocking trades) are configurable for persistent breaches. | |
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24/7 Monitoring Capability Around-the-clock surveillance of critical risk metrics. |
Product documentation references 24/7 monitoring and system uptime support. | |
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Alert Prioritization Ranking and color-coding of alerts by criticality. |
Alert prioritization and visual criticality coding are available in dashboards. |
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Bulk User Administration Add, edit, or remove multiple users simultaneously. |
Bulk user administrative features are available in user and access management. | |
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Self-healing Infrastructure Automated system recovery and failover capability. |
No information available | |
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Scheduled Maintenance Tools Tools for system updates, backups, and maintenance windows. |
Scheduled system maintenance and backup tools are included. | |
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Health Monitoring Dashboard Live view of system health and component status. |
Health dashboard for system and component monitoring is provided in enterprise deployment. | |
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Change Management Logging Full audit of all configuration and maintenance changes. |
All configuration and change management activities are logged. | |
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Automated Uptime Reporting Automated calculation and alerting for system availability. |
Automated uptime calculation and reporting are part of the operational dashboard. | |
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Average System Downtime Average downtime per month during maintenance or outage. |
No information available | |
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Automated Backup Scheduling Schedule and execute regular full/system backups. |
Automated backup scheduling for system resilience is supported. | |
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Role-based Administration Controls Limits admin function access by role. |
Role-based administration and control for system functions are implemented. | |
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Cloud or On-prem Deployment Option Available for either on-premises or cloud environments. |
Oracle offers both cloud and on-premises deployment options. |
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