Use Case

Smart Liquidity – Australian Big Four Bank – Nostro Liquidity Management

Overview

A leading Australian bank required improved visibility and control over the funding of its nostro accounts to support payment obligations and meet regulatory expectations.

Challenge

Monitoring liquidity positions across multiple nostro accounts proved complex and operationally intensive. Limited real-time visibility of balances and intraday exposures made it difficult to proactively manage funding requirements, increasing the risk of payment delays and regulatory pressure.

Solution

The bank implemented Smart Liquidity, deploying the Cash Management System (CMS) and Intraday Liquidity Management (IDLM) modules.

CMS delivered consolidated, real-time visibility of global cash positions, supporting more accurate funding decisions and improved liquidity forecasting.

IDLM enabled continuous monitoring and reporting of intraday liquidity exposures across nostro and vostro accounts, strengthening oversight of payment obligations.

Benefits

The implementation enabled the bank to establish real-time liquidity visibility and proactive intraday monitoring. Funding delays were reduced, regulatory compliance improved, and operational efficiency strengthened. The bank also optimised liquidity utilisation across its nostro accounts while reducing settlement risk.

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