About the project

• Multilateral lender migrates to Credit Risk Management Platform to implement bank-internal rating models and analyze financial statements.
• Centralized bank-wide system for Financial Spreading and Credit Risk Rating
• Financial statement capturing, import, spreading, projections, and reporting on one platform.
• Integration of the bank’s existing spreading templates for corporates, banks, and public authorities
• Implementation of a large number of bank-internal rating / scoring methodologies (consistent with IRBA requirements) for credit and climate risk

Solution

Commercial credit risk analysis and management on a secure, cloud-based platform:

Credit Risk Management Platform

Impact

• IT Cost Saving – through one centralized platform approach for different portfolios
• Shorter Time-to-Market due to the internal configuration of risk models and decision strategies by the risk team
• Future-proof solution due to extensive configurability and complexity of rules (e.g., to integrated climate risk/ ESG ratings)

Challenge

Rare disease diagnoses in minutes, not weeks

For patients who are suffering from an undiagnosed rare genetic disease, receiving a diagnosis as early as possible is vital. As a world leader in genetic diagnostics for rare diseases, Rostock-founded CENTOGENE GmbH is committed to accelerating the diagnosis of these conditions. The company’s partnership with Business Rules specialists S&D, and the implementation of the ACTICO Decision Management Platform, has enabled them to succeed in this aim. How? By automating and optimizing the labor intensive diagnostic data curation process.

Reduce Patient Suffering

• Diagnosing rare diseases can be a slow and painstaking process, resulting in unnecessary patient suffering.
• Therefore, CENTOGENE wanted to accelerate the curation of key diagnostic data by integrating artificial intelligence into the relevant workflow.

Solution

Automation of the Data Curation Process

• ACTICO Business Rules Engine, implemented in partnership with Business Rules specialists S&D
• Integration of decision-making automation into the curation workflow, with increasing levels of automation until all manual processing tasks were eliminated.

Impact

Accelerated Diagnosis – ACTICO Decision Management Platform in use at CENTOGENE

• Data curation process fully automated.
• Data results delivery reduced from one month, to just five minutes.
• More time for scientists to spend investigating the most difficult cases.

“We are now able to batch the processing of thousands of patient samples with this fully integrated solution and save up to one month of work for every case.”

Challenge

• ACTICO Platform for entire credit and collections processes
• Over 100 business rules built by bank’s project team
• Leveraging machine learning to enable intelligent and automated credit decisioning

Solution

ACTICO products in use

ACTICO Decision Management Platform

Impact

• 20M daily transactions are processed through ACTICO Platform
• Robust, scalable and extendable core technology that is being expanded to other business cases within the bank, such as smart campaign manager
• Ease of change management

Challenge

• Central platform for risk rating and financial spreading
• Two-stage roll-out (Canada, then worldwide); Additional rollout to U.S. subsidiary
• 4000 registered users, over 1000 concurrent
• Commercial loan portfolio: 52 scorecards
• Integration with bank’s security and authorization guidelines

Solution

ACTICO product in use

Credit Risk Management Platform

Impact

• Implementation of one centralized solution which satisfied the requirements of a global bank (replacement of BvD FACT)
• Integration with existing front-end and back-end systems (demographics, hierarchy information, etc.)
• Autonomous operation and extension of rating system by the bank (incl. rating and technical models, interfaces etc.)

Challenge

The project’s goal was to implement a highly flexible and robust platform hosting the bank’s internal risk rating models.

• Consolidation of all bank-internal rating models (PD and LGD models) onto a single dual risk rating platform.
• Implementation of all rating models in close collaboration with the bank’s risk management team
• Consistent, user-friendly risk rating workflows for the credit analysts
• Integration with upstream (e.g. financial spreading, CRM) and downstream (e.g. data warehouse) systems
• Full audit trail at design-time and runt-time

Solution

ACTICO products in use

Credit Risk Management Platform

Impact

By introducing the ACTICO Credit Risk Management Platform the credit analysts benefit from a more structured consistent rating workflow.

• Centralized platform for the implementation of a dual risk rating platform
• High flexibility to implement, test and deploy new or updated rating models
• Elimination of data silos
• Increased efficiency and save costs
• Fulfillment of compliance regulations

As a result, the bank has now complete control over risk models and processes and is now in a better position to significantly enhance their dual risk rating process.