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IBM Risk Analytics for Financial Services from IBM
An integrated solution for risk management that supports credit risk assessment through advanced analytics, regulatory compliance, and scenario modeling. It helps institutions to quickly assess risk profiles and make informed decisions.
Product analysis by function
Credit Risk Management Systems for Risk Management
Solutions for assessing counterparty credit risk, setting and monitoring credit limits, and managing collateral requirements for margin accounts and securities lending.
More Credit Risk Management Systems
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Counterparty Assessment
(9 Yes /9 Known /10 Possible features)
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Automated Credit Scoring Automatically calculates a risk score for each counterparty using financial and behavioral data. |
IBM Risk Analytics for Financial Services offers automated credit scoring as part of its credit risk assessment suite according to public product documentation. | |
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Custom Risk Metrics Supports user-defined credit scoring methodologies and risk indicators. |
Product allows institutions to configure analytics and risk methodologies, implying support for custom risk metrics. | |
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External Data Integration Ability to incorporate data from credit bureaus and third-party financial sources. |
IBM advertises integration of external sources (Bureau, market, financial) for advanced analytics in risk assessment. | |
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KYC Documentation Storage Securely stores and manages Know Your Customer (KYC) documentation. |
Regulatory compliance features include KYC documentation management. | |
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Adverse News Screening Automatically checks for negative news impacting counterparties. |
Solution includes adverse news and reputational risk monitoring as part of counterparty analysis. | |
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Portfolio Concentration Limits Monitors exposure to individual issuers or sectors. |
Supports monitoring and alerts for portfolio concentration limits (issuer, sector, geography). | |
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Peer Benchmarking Provides relative risk assessment versus peer group data. |
Peer benchmarking is mentioned as part of analytics and comparison tools for risk managers. | |
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Assessment Speed Time to generate initial risk score for a new counterparty. |
No information available | |
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Automated Alerts Notifies the risk manager of changes in creditworthiness or breaches in risk policy. |
Automated and configurable alerts are a promoted feature. | |
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Audit Trail of Assessments Keeps a record of all risk assessments and changes in counterparty status. |
Audit trail capability is specifically stated for compliance and review. |
Credit Limit Setting
(9 Yes /9 Known /11 Possible features)
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Dynamic Limit Calculation Calculates real-time credit limits considering exposures, collateral, and creditworthiness. |
Dynamic, real-time limit calculation forms part of exposure/limit management. | |
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Manual Override Capability Allows risk managers to manually adjust credit limits within policy parameters. |
Manual override for risk decisions and credit limits is a standard workflow. | |
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Limit Hierarchies Supports group- and entity-level limit aggregation. |
Product supports hierarchical limits and group/entity exposures. | |
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Exposure Netting Net exposures across bilateral and multilateral counterparties. |
Exposure netting is documented, supporting complex netting agreements. | |
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Limit Breach Alerts Real-time notifications when credit limits are approached or breached. |
Real-time limit breach alerts are highlighted in product specifications. | |
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Proposed vs. Current Limit Comparison Displays side-by-side views of suggested limit changes. |
No information available | |
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Average Limit Calculation Speed Average time required to recalculate limits after a trade or market action. |
No information available | |
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Historical Limit Tracking Audit trail of all limit changes and rationale. |
Historical tracking and rationales of limit changes for full audit are covered under regulatory reporting and audit features. | |
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Credit Utilization Reporting Measures the proportion of credit limits in use. |
Generates utilization and excess reports as part of exposure/limit analytics. | |
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Limit Recommendation Engine AI-driven module to suggest credit limits based on risk appetite and counterparty profile. |
Uses advanced analytics/AI modules to suggest optimal limits based on input policy and counterparty data. | |
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Multi-currency Limit Support Ability to set and monitor limits in several currencies simultaneously. |
Supports multi-currency exposure and limit management. |
Exposure Tracking
(7 Yes /7 Known /10 Possible features)
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Real-time Exposure Calculation Calculates net and gross exposures continuously during trading hours. |
Supports real-time calculation of exposures during trading hours. | |
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Intraday Exposure Updates Frequency of intraday exposure recalculations. |
No information available | |
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Cross-product Exposure Aggregation Aggregates exposures across derivatives, margin lending, repo, and cash products. |
Exposures are aggregated across product types as listed in solution's technical documentation. | |
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Trade-level Drilldown Ability to drill from portfolio to individual trade exposures. |
Enables drilldown from portfolio analytics to individual positions/trades. | |
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Stress Testing on Exposures Applies market shocks and scenarios to simulate exposure changes. |
Stress scenario and what-if analyses are an IBM USP for exposure management. | |
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Expected Exposure Calculation (EPE/PFE) Calculates Expected Positive Exposure / Potential Future Exposure. |
EPE/PFE calculation is standard for advanced counterparty credit risk (CCR) modules per IBM documentation. | |
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Exposure Reporting Dashboard Provides visualization and reporting tools for exposures. |
IBM offers risk dashboards for visualization and analysis of exposures. | |
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Exposure Aging Analysis Analysis of how long exposures have been held. |
No information available | |
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Multi-asset Support Tracks exposures across equities, fixed income, FX, and derivatives. |
Tracks exposures across all major asset classes as documented. | |
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Intraday Peak Exposure Recording Records and reports on peak exposures during the day. |
No information available |
Collateral Management
(6 Yes /6 Known /10 Possible features)
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Collateral Valuation Engine Real-time calculation of collateral values and haircuts. |
Collateral management supports real-time valuation and haircut calculation. | |
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Eligibility Checks Enforces collateral eligibility and concentration limits. |
Eligibility and concentration checks implemented under regulatory and counterparty risk modules. | |
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Margin Call Automation Automated calculation and issuance of margin calls. |
Margin call and calculation automation described within collateral management suite. | |
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Optimization Algorithms Suggests optimal allocation of collateral across portfolios/counterparties. |
No information available | |
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Dispute Management Workflow Tracks and manages margin/collateral disputes. |
Margin dispute and workflow management is available for buy- and sell-side clients. | |
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Substitution Processing Facilitates collateral substitution and tracking. |
No information available | |
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Multi-asset Collateral Support Supports cash, securities, and non-cash collateral types. |
Supports management of cash and non-cash forms in collateral operations. | |
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Collateral Coverage Ratio Measures percentage of exposure covered by collateral. |
No information available | |
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Real-time Collateral Shortfall Alerts Instant notification of insufficient collateral. |
Real-time shortfall and deficiency alerts present in monitoring workflows. | |
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End-of-day Margin Call Volume Number of margin calls processed per day. |
No information available |
Margin Management
(8 Yes /8 Known /10 Possible features)
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Intraday Margin Calculations Frequency of updating margin requirements within the trading day. |
No information available | |
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Scenario Margining Margin requirements can be run under stress or ‘what-if’ scenarios. |
Scenario-based margining is described for stress analysis and 'what-if' testing. | |
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Portfolio Margining Margin calculation considers risk offsets at the portfolio level. |
Supports portfolio margining and risk offset calculations. | |
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Real-time Breach Notification Detects and notifies about margin breaches as they occur. |
Real-time margin breach notifications are available. | |
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Minimum Margin Enforcement System enforces predefined minimum margin requirements. |
Predefined and custom margin minimums are enforced via system rules. | |
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Margin Requirement Analytics Visual analytics and reporting for margin set, called, and posted. |
Contains analytics/reporting for margin calls, requirements, and position. | |
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Historical Margin Utilization Reporting Tracks margin utilization trends over time. |
Chronological and historical analysis of margin utilization is available. | |
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Automated Liquidation Triggers Auto-initiates asset liquidations if margin calls are not met. |
No information available | |
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Multi-currency Margin Support Handles margin calculations across multiple currencies. |
Multi-currency margin processing and analytics is an advertised standard feature. | |
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Client Notification Workflow Automated communications for margin requirements. |
Automated workflow for client notifications is standard in IBM solution templates. |
Risk Analytics & Reporting
(9 Yes /9 Known /10 Possible features)
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Custom Report Builder Enables users to design customized credit risk and exposure reports. |
Custom reporting, including risk and exposure reports, is highlighted. | |
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Regulatory Reporting Templates Predefined templates for BASEL, EMIR, and other regulatory regimes. |
Regulatory templates for BASEL and other frameworks are offered. | |
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Trend Analysis Tools Analyze trends in exposure, margin, and limit breaches. |
Includes trend analytics for risk, limit breaches, margin usage, etc. | |
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Real-time Dashboard Widgets Allows for live visualization of exposures and limit statuses. |
IBM solution supports dashboarding for real-time risk visualization. | |
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Export to Multiple Formats Supports data export in XLS, PDF, CSV, XML, etc. |
Exports in multiple formats (XLS, PDF, CSV, XML) supported. | |
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Scheduled Report Automation Automatic generation and distribution of risk reports. |
Automated and scheduled report generation available per documentation. | |
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Access and Permissions Management Controls report access by user, group, or role. |
Role and user-group permissions for data and report access are included. | |
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Drill-down/Drill-through Reporting Interactive exploration from summary to detail in reports. |
Drill-through reporting features as part of BI integration. | |
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Exception and Outlier Detection Flags exposures or limit utilizations that deviate from historical norms. |
Exception and outlier identification capabilities are documented. | |
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Report Generation Speed Time taken to produce standard risk reports. |
No information available |
Integration & Interoperability
(6 Yes /6 Known /10 Possible features)
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API Availability Exposes RESTful and/or SOAP APIs for data exchange. |
REST/SOAP API access for data exchange is available. | |
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FIX Protocol Support System supports FIX messages for trading and credit checks. |
IBM supports FIX protocol connectivity for trading/credit integration. | |
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Plug-ins for Major OMS/EMS Pre-built interfaces to most major Order/Execution Management Systems. |
No information available | |
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Batch Import/Export Handles large data imports/exports on a scheduled or ad-hoc basis. |
Enables batch data import/export for integration and reporting tasks. | |
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Real-time Data Feed Integration Integrates with market data, reference data, and clearing services. |
Real-time data feeds for market/reference data are supported. | |
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Single Sign-On (SSO) Seamless authentication integration via SSO protocols. |
SSO integration is a feature within enterprise deployment options. | |
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Custom Integration Toolkit Provides tools for building custom connectors or adapters. |
No information available | |
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Latency of Integration Minimum time delay for real-time data synchronization. |
No information available | |
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Cloud-native Support Ready for use in public/private/hybrid cloud environments. |
Cloud deployment and cloud-native architectures are supported. | |
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Data Transformation Utilities Automated translation/mapping between external and internal data formats. |
No information available |
User Experience & Customization
(7 Yes /7 Known /10 Possible features)
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Role-based Dashboards Tailors presentation and data access by user role (risk, sales, operations, etc.). |
Role-based dashboards and user experience customization available. | |
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Self-service Configuration Users can customize workflows, alerts, and reports without IT intervention. |
Self-service configuration of workflows and reporting is possible. | |
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Notification Preferences Users can define how and when to receive alerts (email, in-app, SMS). |
Users can set notification/alerting preferences (email, in-app, SMS). | |
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Accessibility Features Supports accessibility standards for visually or physically impaired users. |
No information available | |
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Multi-language Interface System provides UI in multiple languages. |
UI supports multi-language international deployment (per IBM worldwide client base). | |
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Web and Mobile Access Available via both web browser and mobile applications. |
IBM solution is accessible via web UI and has mobile-optimized access. | |
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Custom Theme/Branding Allows organizations to apply their own branding and style. |
Branding and theming options are possible for large enterprise deployments. | |
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Average Screen Load Time Time to load standard user interface screens. |
No information available | |
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Help and Training Modules Built-in training and contextual help documentation. |
Comprehensive built-in help and training resources are included. | |
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User Feedback Mechanism In-app submission of suggestions, feature requests, or issues. |
No information available |
Security & Compliance
(8 Yes /8 Known /10 Possible features)
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Data Encryption Uses strong encryption for data at rest and in transit. |
Data in transit and at rest is encrypted—industry standard for IBM. | |
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Access Control Robust, configurable permissions down to the field level. |
Access control to field level possible via IBM risk management administrative console. | |
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Audit Logging Full logs of user activities and system events. |
Audit and log management is standard for IBM's regulated client base. | |
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GDPR/CCPA Compliance System facilitates compliance with privacy regulations. |
GDPR and CCPA compliance support is included in platform documentation. | |
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Secure API Authentication Supports OAUTH2, SAML, or similar protocols. |
Supports OAUTH2, SAML for strong API authentication. | |
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Penetration Testing Status Whether the product undergoes regular penetration tests. |
No information available | |
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Segregation of Client Data Prevents access to one client’s data from another client’s users. |
Segregation of client data is required under IBM's multi-tenant cloud SaaS model. | |
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Automated Compliance Checks System runs policy checks on all risk and limit actions. |
Automated compliance and policy checks are functional for regulatory regimes. | |
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Configurable Data Retention Policies Ability to set data archival/scrubbing rules for regulatory retention. |
Configurable retention and archival/scrubbing policies supported. | |
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Incident Response Time Expected time to respond to security/compliance alerts. |
No information available |
Monitoring & Alerting
(6 Yes /6 Known /10 Possible features)
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Real-time Breach Alerts Instant notifications of exceeded credit limits, margin shortfalls, or other key thresholds. |
Real-time breach alerts for credit/margin are part of risk monitoring. | |
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Configurable Alerting Rules Users can define custom alerting logic and thresholds. |
Allows user-defined rules for alerting/thresholds. | |
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Alert Escalation Workflow Escalates unaddressed alerts to higher-level management. |
No information available | |
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Alert Delivery Methods Methods supported (email, SMS, push, system inbox). |
Alert methods include email, SMS, and internal system notifications. | |
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Historical Alert Log Full history of triggered alerts and user responses. |
Maintains log/history of all alerts and actions. | |
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User Acknowledgement Tracking Requirement and tracking of user acknowledgement on critical events. |
No information available | |
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Average Alert Delivery Latency Time to deliver and acknowledge alerts. |
No information available | |
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Automated Remediation Initiates workflow actions (e.g., block trades) when breaches persist. |
No information available | |
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24/7 Monitoring Capability Around-the-clock surveillance of critical risk metrics. |
24/7 risk monitoring and alerting is specified as a compliance feature. | |
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Alert Prioritization Ranking and color-coding of alerts by criticality. |
Criticality-based alert prioritization and color-coding present in dashboards. |
Administration & Maintenance
(8 Yes /8 Known /10 Possible features)
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Bulk User Administration Add, edit, or remove multiple users simultaneously. |
Administrative console allows bulk management of users. | |
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Self-healing Infrastructure Automated system recovery and failover capability. |
No information available | |
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Scheduled Maintenance Tools Tools for system updates, backups, and maintenance windows. |
System supports scheduled and automated maintenance tasks. | |
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Health Monitoring Dashboard Live view of system health and component status. |
Offers infrastructure/system health dashboard. | |
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Change Management Logging Full audit of all configuration and maintenance changes. |
Change management (configuration/audit log) maintained for compliance. | |
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Automated Uptime Reporting Automated calculation and alerting for system availability. |
Uptime/availability reports are automated and included. | |
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Average System Downtime Average downtime per month during maintenance or outage. |
No information available | |
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Automated Backup Scheduling Schedule and execute regular full/system backups. |
Automated backup scheduling is present for business continuity. | |
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Role-based Administration Controls Limits admin function access by role. |
Role-based admin controls are a standard enterprise feature. | |
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Cloud or On-prem Deployment Option Available for either on-premises or cloud environments. |
Deployment available for both cloud and on-premises models. |
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