Banking & Finance

The Alma Technologies Group is an international technology innovation development leader in Europe, Latin America and the USA.

Advanced ultra high speed technology is rapidly redefining the world in which we live in almost every area of human activity, and this fast technological evolution has had a dramatic impact on the operation of digital capital market exchanges and the world of Tier 1 investment banking, insurance and asset management.

The consequences of the 2007/8 global economic and banking crises continue to reverberate around international governments and have provoked a strong response from both National and International financial regulators. A sweeping range of root and branch reforms, new legislation and strict risk measurement, reporting and compliance norms are now imposed, or are being applied progressively over the next years. Basel 3, Solvency 2, Dodd Frank, SOX, MiFID 2, IFRS, EMIR to name but a few of the most significant reforms, fundamentally change the way that risk must be quickly measured and dynamically managed by financial institutions, also ensuring high grade Tier 1 liquid capital adequacy coverage for correctly measured, and therefore known and fully understood risk appetites and exposures. National Regulators in emergent markets are also now applying international norms, or adapting new hybrid national regulations selecting from the range of new international regulations which best adapt to their market circumstances.

Market volatility risk as measured by VaR has increased. Credit default risk exposure, particularly in complex structured securitized debt instruments and related hedging instruments has increased, and must be actively measured and managed by CVA. International counterparty default risk has also increased and must be properly assessed and reflected in instrument valuations, default provisions and booked asset risk weighted valuations. An E&Y Institute of International Finance survey on risk governance – Shifting focus: Risk culture at the forefront of banking – shows that 50% of the global systemically important banks sampled have had operational events costing more than $500 mm in the past five years, driven significantly by weaknesses in controls. In the US and Europe since 2009, over 128 billion USD has been imposed in non compliance fines by regulators.

With our experience of more than 15 years at the international vanguard of advanced technology development projects for leading clients; we have learned the correct steps to take to guide and manage a complex technology project to satisfactory completion, applying best practices, methodology and the required know how from initial client brief to successful project completion.

ALMA Technologies is a company which is open towards its clients and collaborators with more than 950 professionals providing service in both Spain and the Americas. We place great importance on a continual dialogue with our clients, where both parties collaborate to agreed objectives and timelines which allow objectives to be achieved effectively with the minimum possible trauma and operational disruption.

At ALMA Technologieshas applied our R&D expertise to this new panorama, and offers a suite of both standard and custom solutions which help our clients to improve risk management controls, and assist them in key areas to achieve full regulatory compliance with both expert consultants and next generation enterprise technologies.

15 October, 2014

Roland Drago: UK Chilean Ambassador. Rodrigo Vergara: President of the Bank of Chile. Alberto Arenas: Chilean Minister of Revenue.  Hugo Swire: Minister - Foreign & Commonwealth Office. Luis Felipe Cespedes: Chilean Economy Minister. Fiona Clouder: UK Chilean Ambassador.

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15 October, 2012

ALMA TECHNOLOGIES has conducted an analysis and development of a mobilisation process (multi-device access) with esmero Mobilizer for the Banco de Credito e Inversiones (Bank of Credit & Investments Bci) in Chile, applying a non intrusive model for their Web portal

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27 October, 2014


Twenty-five lenders including Banca Monte dei Paschia di Siena Spa failed a stress test led by the European Central Bank, which found the biggest capital hole in the region’s banking system in Italy.

The Frankfurt-based institution identified a total gap of 25 billion euros ($32 billion) as of the end of 2013, most of which has now been raised by banks. Among lenders still in need of funds, Italy’s Monte Paschi (BMPS) and Banca Carige SpAd must find a combined 2.9 billion euros between them, the ECB said today.

“The capital shortfall is at the lower end of expectations,” said Jon Peace, a banking analyst at Nomura Holdings Inc. in London. “It was always going to be a challenge for the ECB to convince the market of its credibility if it was going to be a small number which failed and capital to be raised.”

None of Europe’s largest banks were found lacking. No French, German or Spanish institutions were required to find more capital. Lenders found to be deficient now have as many as nine months to fill gaps identified by the ECB, which is aiming to close the door on half a decade of financial turmoil in the euro region.

The results, on first impression, are “very positive” and should benefit some bank stocks tomorrow, JPMorgan analysts wrote in a note. Deutsche Bank AG, Commerzbank AG, Erste Group Bank AG and Greek bank shares are among those which should react positively.

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22 October, 2014

Dan Barnes looks at how the introduction of big data technology is set to revolutionise how firms trade and calculate risk.

Shaving microseconds off an order’s latency or halving the time to calculate a portfolio’s risk profile can make or save millions of dollars, but requires a high-performance computing platform and processing in the parallel universe

One of the greatest limits faced in technology is the bottleneck, where the speed of a system is limited not by power but by the number of processes it can run at one time. Parallel processing can be achieved at a high-level with the application of big data technology, used by online firms such as Google and Facebook to analyse the enormous amounts of data created by their users.

For many years, banks have used clusters of computers to analyse problems: by running the same calculations in parallel on each computer processing unit, rather than running them though one larger calculation engine, they have speeded up analysis.

But it is becoming increasingly impractical for firms to use relational databases to store and then analyse data. Part of the problem is created by the extracting, transforming and loading (ETL) of large data volumes, which creates a bottleneck. Databases are also not suitable if the information is not homogenous, for example text from news feeds that inform trading algorithms. Read more!

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