Leaders look to us for applied subject matter expertise, coupled with the ability to set up and manage work in a programmatic way.

 
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Capital Markets

Challenges

Too often, traders are slowed down by underperforming systems that deliver incorrect or dated information, and then require manual intervention and unnecessary risk. Traders need the right tools to ensure effective decision making and efficient execution.

Solutions

We help Capital Markets desks focus on their core mission: execute proper trading strategies, maximize profits and hedge risks. Our executives and teams advise on and manage needs, such as industry standards, best-in-class third-party solutions and the potential for outsourcing certain functions.


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Finance & Treasury Services

Challenges

Legacy systems, decentralized processes and poor performance indicators prevent organizations from achieving real-time visibility into cash positions. Organizations benefit from integrated payments technologies that support the data management, payment processing and reconciliation needs of the organization.

Solutions

We help deliver thoughtfully designed treasury and accounting procedures to help financial institutions achieve confidence in their cash flows. By utilizing our Treasury and Payments experts and the industry best practices they have developed, financial institutions can optimize both cash processing and financial reconciliation procedures.


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Housing Finance

Challenges

Since the 2008 credit crisis, the housing industry and the secondary mortgage market have continued to change and evolve. New regulations, new products and new technologies have reshaped the way financial services firms originate, service and securitize mortgage loans. Companies must continually monitor the changes to the housing finance market and prepare for the impacts of these changes.

Solutions

Reference Point has deep expertise in the secondary mortgage market to help clients manage these evolving changes and impacts. Our team's expertise helps lenders, mortgage and servicing firms, mortgage insurers and secondary-market investors assess strategies and technologies to optimize their business processes to compete in a rapidly changing marketplace.


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FinTech

Challenges

Over the last decade, Financial Technologies have rapidly expanded their footprint across both front-end and back-end financial operations, including developments in mobile banking, peer-to-peer lending and financial analytics. These changes continue to disrupt traditional financial institutions and challenge them to adapt to the changing environment in order to stay competitive.

Solutions

We are tracking how FinTech will continue to evolve and change the way traditional financial institutions do business, offering clients advice on how to best leverage FinTech to improve business operations. Our team educates clients on the latest FinTech trends and potential impacts to their business, and we help our clients devise strategies to optimize operations and refine their digital banking strategies.


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Consumer Banking

Challenges

Advances in mobile technologies have transformed the consumer banking landscape. Consumers have come to expect ease and efficiency in all their financial transactions from simple point-of-sale purchases to detailed loan applications. Technology has facilitated these improvements, but the corresponding increases in speed and usability have also created increased risks of fraud and abuse.

Solutions

We help banks understand their current technological footprints and work with them to develop customized strategies that align with advances in consumer banking technology. Our executives and teams help clients implement leading technical solutions to improve their business processes and enable them to deliver efficient yet secure products and services, ultimately improving their overall customer experiences.