Unleash the Potential of Artificial Intelligence and Machine Learning in Balance Sheet Management

Artificial Intelligence is no longer a future vision—it's actively transforming how financial institutions manage risk, optimize performance, and plan for growth.

This in-depth whitepaper explores how AI and Machine Learning are redefining Balance Sheet Management (BSM) and Asset and Liability Management (ALM). Inside, you'll find practical use cases, technical frameworks, and forward-looking insights tailored for banking and finance professionals.

Whether you're a risk leader, data strategist, treasury executive, or technology decision-maker, this resource will help you understand what’s possible today, what’s delivering real results, and what’s on the horizon.

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What You’ll Find in This Whitepaper

Gain practical insights and forward-looking strategies to help your institution stay ahead. Inside, we explore:

  • A clear breakdown of AI layers, classifications, and what they mean for financial services

  • The four AI capabilities making a real difference in balance sheet management

  • How Machine Learning improves forecasting, behavior modeling, and scenario analysis

  • A practical framework for applying AI across core ALM areas: market risk, behavioral modeling, and strategic planning

  • Emerging innovations such as Digital Twins and Reinforcement Learning, and their impact on treasury functions

  • Why data readiness is critical to successfully scaling AI in finance

Fill out the form to get your copy, and discover how your institution can lead the next era of intelligent balance sheet management.

Who Should Read This Whitepaper

This whitepaper is designed for professionals driving the future of financial strategy, including:

 ALM and Balance Sheet Management (BSM) Managers

 Data Science and AI Leads

  Financial Strategy and Innovation Teams

  Compliance and Model Risk Professionals

 AI Enthusiasts exploring real-world applications in finance

What The Authors Say

Luis Estrada, Co-Founder & COO at Mirai RiskTech

Luis Estrada

Co-Founder & COO at Mirai RiskTech

"The promise of AI in BSM isn’t about chasing complexity—it’s about achieving clarity. In a world of volatile markets and fragmented data, the real breakthrough comes when institutions use AI not just to automate, but to understand and act with confidence."

Sergio Cardona, Quantitative Developer and Machine Learning Researcher at Mirai RiskTech

Sergio Cardona

Quantitative Developer and Machine Learning Researcher at Mirai RiskTech

“Market is a modifier – a risk factor, a driver. It influences both behavior and new business. The three ALM domains move together, but the market is the external force that is susceptible to being modelled as time-dependent and correlated.”

Eoghan ÓGríobhtha, Managing Director for UK&I at Mirai RiskTech

Eoghan ÓGríobhtha

Managing Director for UK&I at Mirai RiskTech

“AI in BSM is not about delegating a process to a robot. It’s about boosting productivity, enhancing predictive capabilities, and creating a competitive advantage through better decision support. Banks have two imperatives: invest in exploring applicable use cases and start getting the most promising into production now to learn the new delivery models. Those that do will lead the next generation of financial innovation.”

Luis Estrada, Co-Founder & COO at Mirai RiskTech

Luis Estrada

Co-Founder & COO at Mirai RiskTech

"The promise of AI in BSM isn’t about chasing complexity—it’s about achieving clarity. In a world of volatile markets and fragmented data, the real breakthrough comes when institutions use AI not just to automate, but to understand and act with confidence."

Sergio Cardona, Quantitative Developer and Machine Learning Researcher at Mirai RiskTech

Sergio Cardona

Quantitative Developer and Machine Learning Researcher at Mirai RiskTech

“Market is a modifier – a risk factor, a driver. It influences both behavior and new business. The three ALM domains move together, but the market is the external force that is susceptible to being modelled as time-dependent and correlated.”

Eoghan ÓGríobhtha, Managing Director for UK&I at Mirai RiskTech

Eoghan ÓGríobhtha

Managing Director for UK&I at Mirai RiskTech

“AI in BSM is not about delegating a process to a robot. It’s about boosting productivity, enhancing predictive capabilities, and creating a competitive advantage through better decision support. Banks have two imperatives: invest in exploring applicable use cases and start getting the most promising into production now to learn the new delivery models. Those that do will lead the next generation of financial innovation.”