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Edge Platform from RiskSpan
Cloud-based risk analytics platform for loan-level analysis, stress testing, cash flow modeling, and credit risk assessment. Specializes in mortgage and structured finance analytics, with capabilities for CECL, IFRS 9, and market risk.
Product analysis by function
Risk Analytics for Analytics and Business Intelligence
Platforms for advanced analysis of various risk types to support risk management decisions.
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Data Integration and Connectivity
(9 Yes /9 Known /10 Possible features)
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Multi-source Data Integration Ability to import and unify data from multiple banking systems (core banking, CRM, external feeds, etc.). |
Edge Platform advertises integration with loan origination systems, core banking, and external feeds for mortgage and risk analytics. | |
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Real-time Data Sync Support for real-time or near-real-time data updates and streaming. |
Described as cloud-based with dashboard and portfolio analytics updated as new data is imported, implying support for real-time or near real-time sync. | |
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ETL Automation Built-in extract, transform, load (ETL) processes for automated data management. |
Product supports automated import, transformation, and aggregation of loan and market data, matching ETL automation. | |
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Data Quality Monitoring Tools to continuously check, profile, and improve data accuracy and consistency. |
Emphasizes data reliability, audit workflow, and accuracy checks as part of ingestion, indicating monitoring tools. | |
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API Support Availability of application programming interfaces for custom integrations. |
API documentation and custom integration options are available per vendor material. | |
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Unstructured Data Handling Ability to process and analyze unstructured data (such as emails, documents, social media). |
Support for ingesting documents and loan files (including scanned and unstructured data) is mentioned. | |
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Batch Processing Speed Processing speed for large batches of imported data. |
No information available | |
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Data Mapping Flexibility Tools for flexible mapping between different data schemas. |
Custom schema mapping and field matching described in onboarding materials. | |
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Cloud Database Compatibility Support for major cloud storage/data platforms. |
Native support for AWS, Azure, Snowflake, Redshift, and S3 is referenced in docs. | |
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Data Enrichment Capability to augment data with additional attributes or external sources. |
Supports property-level and loan-level data enrichment with external sources (market data, scenario variables). |
Risk Modeling and Scoring
(10 Yes /10 Known /10 Possible features)
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Credit Risk Assessment Ability to model, calculate, and report on credit risk exposure. |
Credit risk modeling and scoring is core to mortgage/loan analytics and prominently featured on site. | |
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Market Risk Analytics Support for calculating risks related to market volatility, value at risk (VaR), etc. |
Market risk analytics and VaR capabilities referenced for securitized products and mortgage portfolios. | |
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Operational Risk Models Tools for quantifying and simulating operational risks (fraud, process failure, etc.). |
Operational risk is less emphasized, but fraud and workflow error checks are mentioned. | |
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Custom Risk Scorecard Builder Ability to design, implement, and manage custom risk scoring systems. |
RiskSpan publicly offers custom risk scorecard and risk modeling toolkits. | |
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Stress Testing Simulation of extreme scenarios to assess resilience. |
Stress testing for regulatory, credit, and market risk is a flagship feature. | |
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Scenario Analysis Capability to analyze the effect of different market and credit scenarios. |
Scenario analysis frameworks documented for CECL and IFRS 9 use cases. | |
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Probability of Default Calculation Support for quantitative PD modeling. |
Probability of Default (PD) models supported for mortgage and structured finance analysis. | |
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Loss Given Default Estimation Tools to estimate LGD values. |
Loss Given Default (LGD) models described for CECL and stress testing. | |
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Exposure at Default Estimation Tools to model EAD figures. |
Exposure at Default (EAD) modeling and reporting part of standard risk analytics. | |
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Model Calibration Tools Functionality to recalibrate and validate predictive risk models. |
Model calibration, validation, and governance processes included and customizable per regulatory demand. |
Reporting and Visualization
(9 Yes /9 Known /10 Possible features)
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Interactive Dashboards Customizable dashboards for visualizing key risk metrics and trends. |
Customizable, interactive dashboards and risk monitor interfaces highlighted in product descriptions. | |
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Automated Report Generation Tools for scheduled and one-click creation of risk reports. |
Automated and scheduled report generation is part of workflow engine. | |
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Drill-down Functionality Ability to drill into report figures to explore underlying data. |
Users can drill into portfolio, cohort, and loan-level data in analytic tools. | |
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Trend Analysis Historical views and trend projections for risk indicators. |
Trend and time series analytics included for risk and credit performance. | |
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Custom Report Builder User-defined templates and configuration for bespoke reporting. |
Custom and ad hoc report builders described as part of user feature set. | |
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Exception Reporting Alerting on outliers, breaches, or significant risk events. |
Exception and outlier alerting available in dashboards and reporting, described for risk monitoring. | |
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Regulatory Report Templates Built-in templates for key regulatory risk reports (e.g., Basel, IFRS 9, CECL). |
Templates for CECL, IFRS 9 and other regulatory reports are provided. | |
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Export Options Ability to export reports/data to popular formats (PDF, Excel, CSV, etc.). |
Export to Excel, .csv, PDF, and APIs is supported. | |
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Visualization Types Number of chart/visualization types supported. |
No information available | |
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Mobile Accessibility Support for report and dashboard access on mobile devices. |
Web interface adjusts for mobile/tablet, with mobile dashboard viewing available. |
Risk Data Governance and Security
(10 Yes /10 Known /10 Possible features)
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User Access Controls Role-based permissions and user management. |
Role-based access controls and user permissions described as standard. | |
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Audit Trail Comprehensive logs of data changes and analytic actions. |
Product claims end-to-end audit trails of data and analytic process changes. | |
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Data Encryption Support for encryption at rest and in transit. |
Encryption at rest and in transit listed in security section of product information. | |
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GDPR/CCPA Compliance Certified support for major data privacy laws. |
Edge Platform is asserted to support GDPR/CCPA and major global data protection requirements. | |
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Data Masking Redacting sensitive information in outputs and analytics. |
Masking/redaction of PII and other sensitive information for analytics is part of compliance features. | |
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Multi-Tenancy Support Ability to securely segment data and processes by user or division. |
Multi-tenancy offered for large clients such as agencies and banks, per documentation. | |
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SAML/SSO Integration Support for federated login and identity management. |
SAML and federated SSO integration for enterprise clients referenced in documentation. | |
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Physical Security Certifications Provider holds relevant data center and process security certifications. |
Edge uses cloud providers with SOC 2, ISO, and other security certifications. | |
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Automated Data Retention Policies Configurable rules for retaining and purging risk data. |
Configurable retention and purge policies described as part of governance module. | |
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Incident Response Framework Structured response and notification policies for security events. |
Incident response and user notification procedures included in platform documentation. |
Predictive Analytics and Machine Learning
(7 Yes /7 Known /10 Possible features)
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Machine Learning Model Integration Ability to deploy, score, and retrain machine learning models. |
Allows users to deploy Python/R models and manage ML workflows for predictive loan analytics. | |
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Anomaly Detection Automatic identification of unusual risk patterns. |
Pattern/anomaly detection part of ML features for risk, stress, and default prediction. | |
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Time-series Forecasting Support for forecasting risk using time series/sequence models. |
Forecasting and scenario analytics via both classic and ML time series models is described. | |
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Model Explainability Tools Features for interpreting ML model outputs (e.g., Shapley values, LIME). |
Model explainability tools available to examine prediction drivers and support regulatory justification. | |
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Custom Algorithm Support Ability to plug in proprietary or custom-developed models. |
Custom model/algorithm plugins supported, with integration for proprietary user models. | |
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Automated Feature Engineering Automatic detection and creation of useful input features for predictive models. |
No information available | |
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Model Performance Monitoring Ongoing tracking of predictive model accuracy and drift. |
Model monitoring described as part of model lifecycle and validation support. | |
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AutoML Capabilities Support for automatic model selection and hyperparameter tuning. |
No information available | |
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Risk Alerting Based on Predictions Automated notification based on predictive risk thresholds. |
Predictive risk alerting is standard for risk dashboards and monitoring. | |
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Batch Scoring Speed The speed at which models can score data in batch processes. |
No information available |
Scenario and Stress Testing
(8 Yes /8 Known /10 Possible features)
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Macro-economic Scenario Modeling Built-in or customizable macroeconomic scenario setups for stress testing credit and market risk. |
Macroeconomic scenario modeling and regulatory stress scenarios supported for CECL/IFRS9. | |
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Reverse Stress Testing Ability to identify scenarios that would cause portfolio or firm-wide failure. |
Reverse stress testing tools available for scenario and regulatory use cases. | |
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Flexible Scenario Definition User-definable parameters and variables for scenario analysis. |
Flexible user-defined scenario and custom variable support documented. | |
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Test Automation Scheduling and automation capabilities for regular stress and scenario runs. |
No information available | |
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Scenario Library Pre-configured sets of sample scenarios for rapid analysis. |
Provides libraries of standard regulatory and market scenarios. | |
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Real-time Impact Calculation Instantaneous computation of risk metric changes as scenarios are applied. |
Scenario calculator delivers nearly instantaneous impact calculations in UI. | |
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Regulatory Stress Test Alignment Templates and configuration aligned to regulatory stress test requirements (e.g., CCAR, EBA). |
Alignment to CCAR, DFAST, EBA scenarios and reporting listed among regulatory features. | |
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Scenario Comparison Visualization Tools to visually compare outputs under multiple scenarios. |
Visualization tools for scenario comparison documented. | |
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Large-scale Simulation Capacity Maximum number of simultaneous scenarios that can be run. |
No information available | |
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Scenario Result Export Ability to export scenario outputs for reporting or further analysis. |
Scenario and stress test results exportable for downstream analytics. |
Compliance and Regulatory Support
(8 Yes /8 Known /10 Possible features)
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Basel Compliance Tools Built-in models and reports aligned to Basel II/III requirements. |
Basel models and templates referenced for regulatory projects. | |
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IFRS 9/CECL Support Features to support international and US accounting for credit impairment. |
CECL and IFRS 9 modules are featured as core offerings. | |
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Audit-ready Reporting Ability to generate documentation and outputs required for external/internal audits. |
Audit-ready reporting cited as key differentiator for banks and credit unions. | |
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Automatic Regulatory Updates Product is kept current with major regulatory rule changes. |
Commitment to keeping regulatory frameworks updated is listed in product notes. | |
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Regulatory Submission Integration Direct interfaces for electronic regulatory report delivery. |
Direct electronic interfaces to some regulators (e.g. FHFA, FDIC) are documented. | |
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Regulatory Test Suites Standardized test suites to validate compliance outputs. |
No information available | |
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Data Lineage Traceability of all data points in regulatory reports back to origin. |
Product describes full data lineage/tracing for risk data. | |
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Comprehensive Risk Taxonomy Library of risks classified in accordance with global regulatory standards. |
Comprehensive risk taxonomy for reporting and analytics is described as aligned with Basel, CECL, etc. | |
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Regulatory Version Control Ability to archive and roll-back compliance configurations. |
No information available | |
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Compliance Policy Templates Pre-built and customizable documentation to accelerate compliance efforts. |
Provides document templates and libraries for compliance documentation. |
Performance and Scalability
(3 Yes /3 Known /10 Possible features)
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Concurrent User Support Number of users who can access/report simultaneously. |
No information available | |
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Maximum Data Volume Amount of transactional or risk data that can be stored/processed efficiently. |
No information available | |
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Analytic Calculation Speed Average time needed for complex risk calculations. |
No information available | |
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Uptime/Availability SLA Service level agreement for availability/reliability. |
No information available | |
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Parallel Processing Capability Ability to use parallel CPUs/cores for faster risk analytics. |
Parallel and distributed processing described for high-volume analytics. | |
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Cloud Scalability Native scalability in public/private/hybrid cloud environments. |
Product deploys as cloud-native with documented scalability on major cloud providers. | |
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Load Balancing Support Automated distribution of workload to maximize performance. |
No information available | |
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Batch Processing Throughput Amount of data processed per batch job. |
No information available | |
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Peak User Response Time Maximum time for dashboard or report to load at peak usage. |
No information available | |
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Failover/Disaster Recovery Automated backup and recovery options for business continuity. |
Failover and disaster recovery outlined in platform reliability documentation. |
User Experience and Collaboration
(9 Yes /9 Known /10 Possible features)
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Self-service Analytics Ability for business users to run and customize analytics without IT. |
Non-technical business users are able to run analytic reports as per vendor demo videos. | |
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Shared Workspaces Team collaboration areas for shared analytics and annotation. |
Team work and collaboration rooms available for multi-user analysis. | |
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Commenting and Discussion Tools Inline commenting for risk findings and analytic results. |
Users can add and reply to comments on report objects, charts, and results. | |
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User Onboarding Guidance Interactive help, tutorials, or guided onboarding for new users. |
Interactive onboarding, in-app help, and tutorials are present. | |
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Customizable Dashboards Drag-and-drop or configurable dashboards. |
Dashboards support drag-and-drop widgets, user-configurable layouts. | |
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Role-specific Interfaces UI/UX tailored to different types of users (analysts, managers, IT, etc.). |
Interfaces and analytics can be tailored for business, analyst, or IT user types. | |
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Scheduling and Email Notifications Support for scheduled reports and email-based alerts. |
Supports report scheduling and email alerting. | |
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Mobile/Web Access Full functionality via browser or mobile app. |
Web-based, full browser/mobile support demonstrated in product screenshots. | |
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Personalized Views User-customized layouts, favorites, and bookmarks. |
Personalized dashboards, favorites, and UI preferences available per user. | |
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Export/Import User Settings Ability to save, export, or migrate user configurations. |
No information available |
Integration and Extensibility
(9 Yes /9 Known /10 Possible features)
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Plug-in/API Library Pre-built connectors or plug-ins for banking, BI, or risk management platforms. |
Provides plugins/connectors for core banking/risk and BI platforms. | |
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Data Export APIs REST or SOAP APIs to export risk data/analytics to other systems. |
APIs enable data export to downstream systems (REST and SOAP documented). | |
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Custom Workflow Integration Ability to combine risk analytics into larger business workflows. |
Custom workflow engine allows for risk analytics to be called in business flows. | |
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BI Tool Compatibility Native integration with major BI products (Power BI, Tableau, etc.). |
Integration with Tableau, Power BI, and others cited. | |
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Third-party Model Import Ability to ingest externally developed models (e.g., PMML, Python, R). |
Allows users to import and deploy PMML, Python, and R models. | |
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SFTP/Batch File Interface Support for exchanging bulk risk data using SFTP or shared storage. |
SFTP and secure file exchange capabilities included for batch/larger data. | |
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Event-driven Integration Trigger actions or analytics based on external events. |
No information available | |
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Sandbox Environment Environment for testing integrations and customizations safely. |
Sandbox/test environments provisioned for user validation and development. | |
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Versioned API Support Backward-compatible management of API version changes. |
APIs are versioned, and backward compatibility discussed in developer docs. | |
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Extensible Data Schema Ability for admins to easily extend data structures for additional fields. |
Custom data field creation, extension, and admin configuration supported. |
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