Risk management for banks and financial service providers
With OPTURE ERM Advanced erhalten Banken und Finanzdienstleister eine integrierte Lösung für Risikomanagement, MaRisk-konforme Governance, operationelle Risiken, Kreditrisiken, Marktrisiken, Liquiditätsrisiken und regulatorische Anforderungen.
Market-leading OPTURE RegOS platform
Safely managing bank risks
Wie Banken und Finanzdienstleister regulatorische Anforderungen, operational risks, IT- und Cyberrisiken sowie Markt- und Liquiditätsrisiken mit einer integrierten Plattform für Enterprise Risk Management, Governance and Compliance transparent und revisionssicher steuern.
Strict regulation & governance requirements
MaRisk, DORA, BAIT, Basel III/IV, and other regulatory requirements demand seamless documentation, transparent processes, and audit-proof risk management.
Interconnected financial and IT systems
Core banking systems, payment transactions, trading platforms, and reporting solutions form complex system landscapes. Central governance creates transparency regarding risks, dependencies, and responsibilities.
Operational risks & cyber threats
Cyberattacks, system failures, fraud, outsourcing, and process risks are among the greatest challenges in the financial sector. Integrated risk management increases resilience and supports informed decision-making.
Industry Profile & Regulatory Baseline
Banks and financial service providers are facing growing regulatory pressure. Regulations such as MaRisk, DORA, BAIT, Basel III/IV, BCBS 239, ICAAP, ILAAP, ESG requirements and anti-money laundering necessitate end-to-end governance and audit-proof documentation of all risks and controls.
At the same time, networked IT systems, increasing cyber risks, and volatile financial markets are increasing the complexity of risk management. Only a central platform creates the necessary transparency to identify risks early, implement regulatory requirements efficiently, and make well-founded strategic decisions.
Content
Full transparency for resilient risk management in the financial sector
Market volatility and rising risks require integrated decisions
Banks and financial service providers are facing an increasingly complex risk landscape. Interest rate changes, market volatility, credit and liquidity risks, as well as operational risks influence corporate management on a daily basis. Traditional standalone solutions are reaching their limits. What is needed is an integrated Enterprise-wide Risk Management, which transparently networks risks, simulates scenarios, and enables informed decisions on a centralized database.
Regulatory requirements are continually increasing
With MaRisk, DORA, BAIT, Basel III/IV, ICAAP and ILAAP the requirements for governance, compliance, and audit-proof documentation are increasing. Banks need transparent processes, automated controls, and a central platform to implement regulatory requirements efficiently, identify risks at an early stage, and be able to reliably demonstrate audits at any time.
„Those who manage risks in separate systems lose transparency. Modern banks need a central platform to securely meet regulatory requirements and make informed decisions.“
Why isolated risk solutions no longer meet the requirements of modern banks
Many banks and financial service providers still work with separate systems for Credit risks, operational risks, Compliance, Informationssicherheit and regulatory reporting. This creates data silos, duplicate processes, and a lack of transparency. With OPTURE ERM Advanced risks, controls, and regulatory requirements are brought together on a central platform. As Single Source of Truth does OPTURE lay the foundation for well-founded decisions, efficient governance, and the secure implementation of MaRisk, DORA and further regulatory requirements.
The 10 biggest risks for banks
Credit, market and interest rate risks
Rising interest rates, volatile markets, and economic uncertainties are increasing the risks for banks and financial service providers. Among the biggest challenges are (1) Credit risks, (2) Market price risks and (3) Interest rate risks. With OPTURE ERM Advanced analyze these risks based on simulation, evaluate potential impacts early, and create a robust foundation for informed business and capital decisions.
Operational Risks & DORA
Risks such as IT outages, cyber attacks, (4.) Process error and (5.) Third-Party Risks rank among the largest operational risks in the financial sector. With OPTURE ISMS and OPTURE ERM Advanced banks centrally monitor risks, fulfill requirements from DORA and MaRisk and increase the resilience of their critical business processes through automated controls and transparent governance.
ESG, compliance and reputation risks
Sustainability requirements and regulatory guidelines are continuously gaining importance in the financial sector. Among the biggest challenges are (6) ESG Risks, (7) Compliance– und regulatorische Risiken as well as (8) Reputational risks. With OPTURE COM steuern Banken ESG– und Compliance-Prozesse zentral, automatisieren Nachweise und schaffen Transparenz für Audits sowie regulatorische Prüfungen.
IT, operational & resilience risks
Digital business models make banks particularly vulnerable to (9) IT and Operational Risks as well as (10) Failure and Cyber Risks. With OPTURE ISMS and OPTURE ERM Advanced identify companies vulnerabilities early, fulfill requirements from DORA and MaRisk and strengthen operational resilience through continuous monitoring and centralized risk management.
Cyber Resilience & Information Security
Cyber resilience and DORA compliance for banks
Banks and financial service providers are increasingly exposed to cyberattacks, IT outages, and third-party risks. With OPTURE ISMS identify vulnerabilities early, manage security measures centrally, and fulfill regulatory requirements such as DORA, BAIT and ISO 27001. This is how you strengthen your digital resilience and sustainably secure critical business processes.
Data protection and GDPR compliance for sensitive financial data
Banks process highly sensitive customer, payment, and transaction data daily. With OPTURE DSMS automate data protection processes, centrally manage processing directories and fulfill the requirements of the GDPR efficient, transparent, and audit-proof. This reduces compliance risks and builds trust with customers and regulatory authorities.
Risk Management for Banks and Financial Service Providers in Practice
Use Case 1: MaRisk-compliant OpRisk management with OPTURE ERM Advanced
Banks and financial service providers must map operational risk, loss data, scenario analyses, control assessments, and quantitative models in compliance with MaRisk. With OPTURE ERM Advanced OpRisk processes are supported in a structured manner and risks are modeled both qualitatively and quantitatively. This creates a reliable basis for governance, auditability, and transparent risk management.
Use Case 2: Automated Risk Reviews and Regulatory Reporting
Regulatory requirements such as MaRisk, BAIT, DORA, Basel III/IV, ESG reporting and Anti-Money Laundering Act increase documentation and verification obligations. With OPTURE RegOS Risks, controls, and measures are centrally documented, made traceable, and proven in an audit-ready manner. This reduces manual effort and improves the basis for decision-making for management, oversight, and compliance.
„Automated risk reviews and centralized risk data relieve banks and financial service providers in their daily regulatory routines. Instead of managing risks, controls, and evidence in isolation, transparent, audit-ready decision-making foundations are created for management, supervision, and compliance.“
How does OPTURE support banks and financial service providers in risk management?
How does OPTURE support DORA, MaRisk, and BAIT compliance?
OPTURE documents measures, controls and evidence in an audit-proof manner and supports the efficient implementation of regulatory requirements.
