PRODUCTS

Data
Management Reporting
and collaboration

Argus’ Data Management Platform combines Argus’s 20+ years of experience in the financial services industry and technology expertise to provide a unique, easy-to-use and efficient database to clients. The Platform has the following features:

  • State-of-the-art ETL that integrate data from a variety of data sources. Argus has built the ETL for a number of processing platforms for products in the retail bank
  • Proprietary Analytical Data Model for retail, wholesale banks, and insurance companies
  • Edit Check Engine with around 3000+ pre-built edit checks
  • Workflow Engine to that allows users to configure workflows
  • Self-service user module that helps enrich and augment data, make data adjustments, create derived dimensions and data aggregation rules to enable rapid development of use cases
  • User management module

Implementation options: On cloud or On-Premises at a client or Argus Hardware

Database options: Traditional RDBMS or Hadoop

Comprehensive
end to end regulatory
reporting solutions

Argus’ Risk & Regulatory Reporting Platform combines Argus’ 10+ years of experience working with the banks and regulators and covers the following solutions:

  • US regulatory submissions: CCAR, DFAST, FFIEC, AML, IRRBB, FDIC, FRTB
  • Loss provisioning: ALLL & CECL, IFRS9
  • Tax reporting: FATCA & CRS
  • Risk reporting: LCR/NSFR, 2052A/B, Credit Risk
  • Other regulations: AnaCredit, Solvency II
  • Regulatory reporting for countries such Singapore, Hong Kong,  Australia, India, UAE

Each solution has the following modules:

  • Data Integration with state-of-art ETL tools
  • Pre-Defined Data quality checks
  • Pre-defined Workflow and approval process that can be customized
  • Drill-down and top-level adjustments
  • Templates with generation into regulator mandated formats (XML, PDF, XBRL etc.)

Implementation options: On cloud or On-Premises at a client or Argus Hardware

Database options: Traditional RDBMS or Hadoop

Merchant
Analytics

Argus’ unique merchant tagging  helps  create a full view of spend and behavior enabling on-us and off-us analytics of consumers’ wallets.  Proprietary fuzzy algorithm maps transactions to store names and geo-locations, which can help in selecting the merchant/issuer partnerships as well as improving card-linked offers and improving response rates.

Interactive
MIS Reporting

The Argus Interactive MIS (AIM) Reporting packages years of data understanding to focus on the right business metrics, at the right time, to drive action, through simple  end-user tools built to fit the client’s needs.  The solution can be hosted in Argus or at a client’s site, and it delivers 42 pre-built Tableau based reports that can be further customized to specific needs.  AIM can satisfy all the MIS reporting needs across the organization – from Senior Leadership through to business analysts.

Argus’ Data Management Platform combines Argus’s 20+ years of experience in the financial services industry and technology expertise to provide a unique, easy-to-use and efficient database to clients. The Platform has the following features:

  • State-of-the-art ETL that integrate data from a variety of data sources. Argus has built the ETL for a number of processing platforms for products in the retail bank
  • Proprietary Analytical Data Model for retail, wholesale banks, and insurance companies
  • Edit Check Engine with around 3000+ pre-built edit checks
  • Workflow Engine to that allows users to configure workflows
  • Self-service user module that helps enrich and augment data, make data adjustments, create derived dimensions and data aggregation rules to enable rapid development of use cases
  • User management module

Implementation options: On cloud or On-Premises at a client or Argus Hardware

Database options: Traditional RDBMS or Hadoop

Argus’ Risk & Regulatory Reporting Platform combines Argus’ 10+ years of experience working with the banks and regulators and covers the following solutions:

  • US regulatory submissions: CCAR, DFAST, FFIEC, AML, IRRBB, FDIC, FRTB
  • Loss provisioning: ALLL & CECL, IFRS9
  • Tax reporting: FATCA & CRS
  • Risk reporting: LCR/NSFR, 2052A/B, Credit Risk
  • Other regulations: AnaCredit, Solvency II
  • Regulatory reporting for countries such Singapore, Hong Kong,  Australia, India, UAE

Each solution has the following modules:

  • Data Integration with state-of-art ETL tools
  • Pre-Defined Data quality checks
  • Pre-defined Workflow and approval process that can be customized
  • Drill-down and top-level adjustments
  • Templates with generation into regulator mandated formats (XML, PDF, XBRL etc.)

Implementation options: On cloud or On-Premises at a client or Argus Hardware

Database options: Traditional RDBMS or Hadoop

Argus’ unique merchant tagging  helps  create a full view of spend and behavior enabling on-us and off-us analytics of consumers’ wallets.  Proprietary fuzzy algorithm maps transactions to store names and geo-locations, which can help in selecting the merchant/issuer partnerships as well as improving card-linked offers and improving response rates.

The Argus Interactive MIS (AIM) Reporting packages years of data understanding to focus on the right business metrics, at the right time, to drive action, through simple  end-user tools built to fit the client’s needs.  The solution can be hosted in Argus or at a client’s site, and it delivers 42 pre-built Tableau based reports that can be further customized to specific needs.  AIM can satisfy all the MIS reporting needs across the organization – from Senior Leadership through to business analysts.

Risk Forecasting
and Capital Planning

Argus offers customized forecasting suite across Financial Services to align Business Strategy & Regulatory Reporting.  LookAhead tool provides a scenario based forecasting and stress testing and TrueCapital tool provides Volatility Analysis and Economic Capital.   Both tools assist on staying ahead of evolving regulatory expectations and allow the business strategy to leverage on-demand “what-if” business scenarios and strategic planning.

Wallet
Share Models

Argus offers wallet-based models and scorecards to provide customer level estimates of ‘off-us’ behaviors, including spend (total & by category), usage (transactor, revolver) and fraud/credit risk.   Argus has a proprietary method for linking credit card, current & deposit accounts, and other products to an individual – without the use of PII.  This allows customer-level views of: Wallet share and position, Competing products and Effectiveness of marketing.

On-Cloud
Credit Portfolio
Management Solution

Argus’ Credit Portfolio Management Solution is a pre-packaged cloud-based analytical solution which covers all aspects of loss provisioning, stress testing, and portfolio analytics. The solution:

  • Automated, process-oriented, error-free estimation of ALLL (CECL compliant) using the proposed solution methodologies. Identification Rules, NPV Method, Collateral Method

In-built Report Library for FAS114 calculations

  • Pre-packaged comprehensive reporting suite that covers ACL calculation & disclosures, impairment analysis, delinquency analysis, portfolio credit concentrations, portfolio trends and data quality analysis
  • Supports data import from multiple sources and creates calculation scenarios
  • Allows loan level drill down that helps to identify risks and vulnerabilities in the FI’s portfolio by assessing the impact of continuously changing economic conditions on repayments, identifying portfolio concentrations, estimating the resulting change portfolio credit quality, and finally determining the potential impact on capital

Implementation options: On cloud

Database options: NA

Argus
Loan Loss
Modeling Suite

Argus modeling suite offers a comprehensive solution to aggregate data, forecast expected credit losses, and calculate loan loss provisions.   Accurate modeling may also require the use of additional industry data to refine expected loss models, and benchmark performance.  In addition to our modeling expertise, Argus also provides comprehensive, granular industry performance and credit risk data as part of our service.  When combined with the financial institution data, these combined datasets create a powerful data asset to develop accurate loss estimation models and benchmarking. 

Argus offers a complete model development solution including data sourcing, validation, model design/build and documentation for: 

  • Stress testing and capital adequacy
  • Modeling solutions for  PPNR, CCAR/DFAST, IFRS9, CECL, ECL
  • Retail loans: card, auto, mortgage, home equity, personal loans, personal lines, and student loans
  • C&I and Commercial real estate (CRE)

Argus offers customized forecasting suite across Financial Services to align Business Strategy & Regulatory Reporting.  LookAhead tool provides a scenario based forecasting and stress testing and TrueCapital tool provides Volatility Analysis and Economic Capital.   Both tools assist on staying ahead of evolving regulatory expectations and allow the business strategy to leverage on-demand “what-if” business scenarios and strategic planning.

Argus offers wallet-based models and scorecards to provide customer level estimates of ‘off-us’ behaviors, including spend (total & by category), usage (transactor, revolver) and fraud/credit risk.   Argus has a proprietary method for linking credit card, current & deposit accounts, and other products to an individual – without the use of PII.  This allows customer-level views of: Wallet share and position, Competing products and Effectiveness of marketing.

Argus’ Credit Portfolio Management Solution is a pre-packaged cloud-based analytical solution which covers all aspects of loss provisioning, stress testing, and portfolio analytics. The solution:

  • Automated, process-oriented, error-free estimation of ALLL (CECL compliant) using the proposed solution methodologies. Identification Rules, NPV Method, Collateral Method

In-built Report Library for FAS114 calculations

  • Pre-packaged comprehensive reporting suite that covers ACL calculation & disclosures, impairment analysis, delinquency analysis, portfolio credit concentrations, portfolio trends and data quality analysis
  • Supports data import from multiple sources and creates calculation scenarios
  • Allows loan level drill down that helps to identify risks and vulnerabilities in the FI’s portfolio by assessing the impact of continuously changing economic conditions on repayments, identifying portfolio concentrations, estimating the resulting change portfolio credit quality, and finally determining the potential impact on capital

Implementation options: On cloud

Database options: NA

Argus modeling suite offers a comprehensive solution to aggregate data, forecast expected credit losses, and calculate loan loss provisions.   Accurate modeling may also require the use of additional industry data to refine expected loss models, and benchmark performance.  In addition to our modeling expertise, Argus also provides comprehensive, granular industry performance and credit risk data as part of our service.  When combined with the financial institution data, these combined datasets create a powerful data asset to develop accurate loss estimation models and benchmarking. 

Argus offers a complete model development solution including data sourcing, validation, model design/build and documentation for: 

  • Stress testing and capital adequacy
  • Modeling solutions for  PPNR, CCAR/DFAST, IFRS9, CECL, ECL
  • Retail loans: card, auto, mortgage, home equity, personal loans, personal lines, and student loans
  • C&I and Commercial real estate (CRE)