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SmartStream TLM Cash & Liquidity Management from SmartStream
Enables real-time control, forecasting, and monitoring of cash and liquidity, including position tracking and regulatory reporting for financial institutions, such as brokerages.
Product analysis by function
Liquidity Risk Management Tools for Risk Management
Applications that monitor and project cash flows, assess funding needs, and ensure sufficient liquidity to meet operational requirements and regulatory standards.
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Analytics and Business Intelligence
(10 Yes /10 Known /10 Possible features)
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Custom Liquidity Analytics Create and save custom liquidity analysis queries and reports. |
SmartStream TLM claims configurable analytics with custom reporting, indicating support for custom liquidity analytics. | |
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Historic Trend Analysis Analyze liquidity trends over assorted periods. |
Product offers analysis of liquidity positions and trends over various timeframes (per website). | |
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Dashboard Builder Users can create custom dashboards with preferred widgets. |
Customizable dashboards are emphasized in the value proposition and marketing materials. | |
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Dynamic Charting Tools Supports interactive data visualization for liquidity metrics. |
Interactive dashboards and visualizations for liquidity monitoring are covered in product features. | |
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Drill-through Analysis Allows users to explore details behind summary figures. |
Drill-down analytics into positions and sources/destinations of funds are mentioned repeatedly. | |
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Peer Benchmarking Allows comparison against industry or peer groups. |
Peer/market benchmarking is referenced in regulatory and comparative analytics for liquidity. | |
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Automated KPI Reporting Automatically calculates and displays key performance indicators. |
Automated liquidity KPIs and regulatory calculation is listed as core part of the TLM analytics. | |
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Export to BI Tools Integrates data with Power BI, Tableau, or similar platforms. |
Integrates and exports to external BI and reporting tools (noted in SmartStream TLM documentation). | |
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Scheduled Analytics Delivery Sends periodic analytics to designated recipients. |
Scheduled analytics delivery and alerts are noted among operational controls. | |
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Self-Service Query Empowers end-users to run ad hoc analyses. |
Self-service queries and slice-and-dice analytics are mentioned as product capabilities. |
Security and Data Protection
(8 Yes /8 Known /10 Possible features)
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Data Encryption in Transit Encrypts all data as it moves between systems. |
SmartStream emphasizes data encryption in transit (via HTTPS, API and SFTP). | |
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Data Encryption at Rest Encrypts data stored within databases or filesystems. |
Data encryption at rest is listed as required for regulatory compliance and TLM is compliant. | |
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Regular Security Audits Product undergoes regular security penetration testing. |
Regular internal/external security auditing is referenced in SmartStream documentation. | |
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GDPR/CCPA Compliance Designed to meet major data privacy regulations. |
GDPR and other global data privacy frameworks addressed on vendor compliance page. | |
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Disaster Recovery Plan System has documented, tested disaster recovery protocols. |
Disaster recovery plans outlined for all SaaS and hosted deployments. | |
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Backup Frequency How often full data backups are completed. |
No information available | |
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Data Residency Controls Allows control over where data is physically stored. |
Data residency described as configurable for multiple legal jurisdictions. | |
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Security Incident Reporting Notifies users of attempted or successful security incidents. |
Security incident notifications and reporting are mentioned; real-time alerts implied. | |
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User Credential Vaulting Stores user credentials securely in encrypted vaults. |
No information available | |
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Fine-Grained API Security APIs protected by strict authentication, authorization, and rate limiting. |
API security (OAuth, SSO, throttling) referenced in solution architecture. |
Product Support, Configuration & Scalability
(7 Yes /7 Known /10 Possible features)
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24/7 Product Support Vendor offers round-the-clock technical support. |
Global 24/7 product support is standard for SmartStream TLM platform (per vendor site). | |
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Onboarding and Training Programs Vendor provides structured training offerings. |
Onboarding, training, and enablement programs referenced on the training portal. | |
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Multi-Language Interface Supports user interface in more than one language. |
Multi-language support is offered for large global FIs (as noted in international case studies). | |
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Multi-Entity Support Designed to handle group/holding company structures with multiple legal entities. |
Multi-entity management central to cash & liquidity management for group structures. | |
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Custom Workflow Configuration Allows clients to tailor workflows to specific needs. |
Workflow configuration/customization is a differentiator for large clients. | |
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Scalability (Users) Maximum number of concurrent system users supported. |
No information available | |
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Scalability (Volume) Maximum number of transactions or positions handled daily. |
No information available | |
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Documentation Quality Product includes extensive user and administrator documentation. |
Comprehensive end-user and administrator product manuals and documentation are emphasized. | |
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Release Management/Versioning Product maintains backward compatibility for new releases. |
Product design features backward-compatible release management/versioning. | |
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Custom Branding User interface supports client branding and personalization. |
No information available |
Real-Time Cash Flow Monitoring
(9 Yes /9 Known /10 Possible features)
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Live Balance Tracking Displays current cash balances in various accounts in real-time. |
Real-time cash and position tracking is foundational in TLM’s solution description. | |
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Intraday Updates Frequency the system updates cash positions during the day. |
No information available | |
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Multi-Account Aggregation Ability to aggregate and report on balances across multiple accounts or institutions. |
Supports aggregation and reporting for multi-bank, multi-account structure. | |
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Automated Cash Flow Categorization Automatically categorizes cash flows (by source, destination, or purpose). |
Automated cash flow categorization included in the product’s automation proposition. | |
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Currency Support Supports real-time cash balances in various currencies. |
Support for balances and reporting in multiple currencies highlighted. | |
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Drill-Down Reporting Users can view granular transaction details behind balances. |
Drill-down to transactional detail is a standard analytic offering. | |
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Threshold Alerts Notifies users when cash falls below or exceeds set limits. |
Alerting for balance limits is listed as a core risk control. | |
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Mobile Access Enables real-time monitoring from mobile devices. |
Mobile access for dashboards and reporting mentioned in SmartStream marketing. | |
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Data Export Supports export of cash flow data to external files or systems. |
Extensive data export capabilities to reporting and ERP systems available. | |
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Custom Dashboards Allows customizable visualization of key cash metrics. |
Custom dashboarding features are marketed for enterprise users. |
Liquidity Forecasting and Stress Testing
(9 Yes /9 Known /10 Possible features)
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Short-term Forecasting Projects cash balances over coming hours or days. |
Short-term liquidity forecasting is a centerpiece of the SmartStream pitch. | |
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Long-term Forecasting Projects cash liquidity needs over weeks or months. |
Long-term forecasting and liquidity projections discussed by the vendor. | |
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Scenario Analysis Ability to model the impact of different business or market scenarios on liquidity. |
Scenario analysis tools baked into compliance and stress features. | |
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Regulatory Stress Tests Simulates adverse events according to regulatory guidelines. |
Regulatory stress and scenario testing is described in regulatory feature list. | |
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Custom Stress Test Builder Users can design their own stress scenarios for simulation. |
Support for user-defined stress scenario design available (see product whitepaper). | |
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Multiple Assumptions Handling Ability to input and vary several forecasting assumptions (transaction delays, outflows, etc). |
Multiple assumption sets for forecasting supported in workflow documentation. | |
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Forecasting Accuracy Metrics Tracks historical accuracy of forecasts. |
TLM tracks the accuracy of prior forecasts (as a learning/validation tool). | |
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Automated What-If Analysis Runs hypothetical what-if scenarios automatically. |
Automated what-if scenario capability noted in stress testing module. | |
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Liquidity Buffer Calculation Calculates required or optimal liquidity buffers under various predictions. |
Liquidity buffer/cushion calculations part of advanced regulatory feature set. | |
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Forecast Refresh Rate How frequently forecasts are recalculated. |
No information available |
Funding and Resource Allocation
(9 Yes /9 Known /10 Possible features)
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Automated Funding Sweeps Automates transfers between accounts to maintain target balances. |
Automated funding sweeps are highlighted for real-time balance management. | |
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Credit Line Monitoring Monitors utilization of available credit lines. |
Monitoring of credit lines and facilities part of the solution (website reference). | |
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Available Credit Calculation Calculates available borrowing capacity in real time. |
Available credit calculation in real-time is described in integration specifics. | |
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Funding Cost Optimization Helps minimize cost of funding through recommendations. |
Funding cost and optimization analytics described; product provides recommendations. | |
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Automated Drawdown Notifications Alerts when facility usage approaches limits. |
Drawdown and usage alerts available for facilities and lines. | |
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Committed vs. Uncommitted Source Tracking Distinguishes and tracks different funding sources by contract type. |
Tracks committed vs. uncommitted sources; contract type breakdown within the system. | |
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Dynamic Allocation Rules Allows rules for funding allocation to be updated as needed. |
Dynamic, rules-based allocation configuration mentioned in product architecture. | |
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End-of-Day Funding Requirements Calculates required end-of-day balances for regulatory or operational purposes. |
End-of-day (EOD) funding requirement calculations and reporting are explicitly mentioned. | |
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Daily Funding Frequency Number of automated funding decision cycles per day. |
No information available | |
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Manual Override Capability Enables users to manually intervene in automated allocations. |
Manual override for funding/allocations included for risk mitigations and human control. |
Risk Metrics and Regulatory Reporting
(10 Yes /10 Known /10 Possible features)
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Liquidity Coverage Ratio Reporting Calculates and monitors LCR as required under Basel III. |
Supports LCR (Liquidity Coverage Ratio) reporting for Basel III compliance. | |
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Net Stable Funding Ratio Reporting Calculates long-term liquidity ratios (NSFR). |
Supports NSFR (Net Stable Funding Ratio) calculations in the regulatory reporting module. | |
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Custom Regulatory Templates Supports generating compliant reports for multiple jurisdictions. |
Regulatory templates can be customized for different jurisdictions. | |
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Daily Compliance Checks Automated daily compliance assessment against liquidity rules. |
Automated daily compliance monitoring and checks for key liquidity ratios. | |
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Automated Report Distribution Schedules and delivers required reports to stakeholders. |
Automated report distribution by schedule to multiple stakeholders. | |
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Audit Trails Full traceability of data inputs/outputs for external audit. |
Full audit trail and traceability for regulatory and operational review. | |
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Real-Time Ratio Calculation Calculates key regulatory ratios in real-time. |
Real-time calculation of regulatory ratios (e.g., LCR, NSFR) indicated. | |
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Exception Alerts Notifies users of breaches or policy exceptions. |
Real-time and exception-based alerting available for rule/policy breaches. | |
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Historical Report Archive Stores historical reports for comparison and audit. |
Historical reporting and archiving functions are available for compliance/audit. | |
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Customizable Thresholds User-defined thresholds for key ratios and compliance checks. |
Thresholds for alerts/compliance checks are user-configurable. |
Collateral and Margin Management
(0 Yes /0 Known /10 Possible features)
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Collateral Inventory Tracking Monitors available and pledged collateral in real-time. |
No information available | |
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Eligibility Checks Validates collateral against eligibility criteria. |
No information available | |
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Margin Requirement Calculation Calculates margin required for various transaction types. |
No information available | |
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Automated Margin Calls Generates and issues margin calls automatically as needed. |
No information available | |
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Collateral Utilization Reporting Reports on how collateral is being utilized across agreements. |
No information available | |
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Optimized Allocations Suggests optimal use of available collateral. |
No information available | |
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Substitution Workflows Manages substitutions of collateral assets efficiently. |
No information available | |
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Collateral Concentration Risk Alerts Notifies users if collateral exposure is too concentrated. |
No information available | |
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Haircut Calculations Applies haircuts to collateral as per regulatory or policy guidelines. |
No information available | |
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Margin Call Processing Speed Time taken to process and issue margin calls. |
. | No information available |
Integration and Data Connectivity
(9 Yes /9 Known /10 Possible features)
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Bank Feed Integration Connects directly with major banks for real-time data. |
Bank feed integration for real-time account balance retrieval is a key SmartStream TLM capability. | |
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APIs for Data Exchange RESTful or SOAP APIs enable broad system integration. |
APIs are available for real-time data exchange/integration – highlighted for third-party connectivity. | |
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Market Data Feeds Integrates with external providers for rates, news, and prices. |
Market and reference data feed integration is part of the platform (SWIFT, market rates). | |
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Flat File Imports/Exports Supports batch uploads and downloads of data. |
Standard file-based interfaces (flat files, CSV, XML) supported for import/export. | |
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ERP Integration Connects to enterprise resource planning systems for data consistency. |
ERP (SAP, Oracle etc.) integration case studies are available on the vendor website. | |
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SWIFT/ISO 20022 Messaging Supports international standards for financial messaging. |
Support for SWIFT/ISO20022 messaging detailed for cash/liquidity workflows. | |
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Data Refresh Speed Time between updates from external or internal systems. |
No information available | |
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Cloud vs. On-Premise Deployment Product can be deployed as either cloud software or on-premises. |
SmartStream promotes both SaaS (cloud) and on-premises deployment models. | |
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Third-Party System Compatibility Compatible with leading treasury or portfolio management software. |
Compatible with leading TMS, ERP, and portfolio management suites per integration section. | |
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Custom Integration Support Vendor can help build custom connectors if required. |
Vendor professional services offer custom integration work for clients. |
User Access, Controls, and Audit
(8 Yes /8 Known /10 Possible features)
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Role-based Access Control Restricts system functionality based on user roles. |
Role-based access and user group management (core security control for enterprise). | |
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Multi-Factor Authentication Supports enhanced security with two or more authentication factors. |
Multi-factor authentication (MFA) available for access control. | |
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Single Sign-On (SSO) Support Integrates with enterprise identity providers for SSO. |
Single-Sign-On (SSO) integration with enterprise identity providers is featured. | |
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User Activity Logging Records and allows review of user actions within the system. |
Comprehensive user activity logging is a standard for audit/compliance. | |
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Password Policy Enforcement Enforces configurable password security policies. |
Password policy enforcement available; matches financial institution security practices. | |
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Segregation of Duties Ensures no single user has end-to-end control over sensitive actions. |
Segregation of duties and four-eyes controls built for risk-sensitive institutions. | |
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Comprehensive Audit Trails Maintains secure, tamper-resistant records of all system changes. |
Tamper-resistant audit trail features are regulatory-driven and are implemented. | |
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Configurable User Permissions Admins can customize access rights by role or individual. |
Granular admin control of user permissions (groups, individuals) in enterprise setup. | |
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Time-Restricted Access Ability to restrict access to sensitive functions by time window. |
No information available | |
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Concurrent Session Limit Limits the number of active sessions per user. |
No information available |
Exception Handling and Alerting
(8 Yes /8 Known /10 Possible features)
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Automated Exception Detection System identifies breaches or anomalies automatically. |
Exception management and breach anomaly detection are included in system design. | |
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Alert Frequency How often the system sends alerts or status updates. |
No information available | |
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Multiple Alert Channels Supports email, SMS, dashboard pop-up, and other alert mechanisms. |
Multi-channel alert delivery (email, dashboard, SMS) cited as an alert/notification feature. | |
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Escalation Procedures Defines and automates progressive escalation to management. |
Escalation process for unresolved or critical incidents is a supported feature. | |
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Prioritization and Severity Tagging Marks alerts by severity and urgency. |
System allows prioritization by alert type/severity (e.g., regulatory breach vs. info alert). | |
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Custom Alert Triggers Users can set up specific events or thresholds that trigger alerts. |
Users can configure specific triggers and thresholds for alerts (per configuration docs). | |
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In-Application Notifications Users are notified of exceptions within the application interface. |
Alerts/notifications are available inside the user/analyst interface. | |
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Event History Log Comprehensive log of all historical exceptions and responses. |
Exception/event logs are available for reporting and compliance. | |
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Automated Suggested Resolutions System recommends solutions for identified exceptions. |
No information available | |
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Actionable Alerts Alerts can be linked directly to next best actions or workflows. |
Actionable alerts and workflow integration for follow-up actions are referenced. |
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