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AUDIT-READY ANALYTICAL CONTROL
Market Risk–Driven ALM & Regulatory Reporting
Generate regulatory-ready market risk packs and management dashboards from a single, consistent ALM framework. Risk teams rely on this unified source of truth to satisfy supervisory requirements and internal risk forums with absolute confidence.
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Streamlined Governance. The platform automates periodic reporting for risk committees and the ALCO while maintaining the agility to handle ad hoc requests. Scenario-based outputs, sensitivities, and stress results adapt to evolving market conditions without the need for manual side projects.
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Self-Service Intelligence. An embedded BI layer enables dynamic dashboards with contract-level drill-downs and custom metrics. Results are fully historized, automatically refreshed across simulations, and seamlessly available to downstream systems through cloud-based data extraction.
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Scale with Confidence. By combining regulatory robustness with analytical flexibility, Mirai automates end-to-end reporting for IRRBB and liquidity risk. The result is a transparent, scalable capability trusted by both risk committees and global supervisors.
SCALABLE COMPUTATIONAL POWER
High-Performance ALM Simulations
Built for the intensity of modern finance, Mirai delivers high-throughput simulations and automated reporting at an enterprise scale. Process millions of contracts and complex scenario sets efficiently, without compromising accuracy or transparency.
Enterprise-Grade Processing
Process millions of contracts and multi-dimensional balance sheets with surgical precision. Mirai handles vast data volumes and complex scenario sets efficiently, ensuring that high-speed execution never comes at the expense of accuracy or data integrity.
Velocity for Governance
Shift from static analysis to dynamic decision-making with accelerated simulation cycles. Fast re-runs and deeper stress testing allow your team to meet tight regulatory and management timelines, providing the repeatability and confidence required in volatile markets.
Elastic Cloud Architecture
Leverage a cloud-native engine that executes scenarios in parallel and scales seamlessly as your complexity grows. Simulation outputs flow directly into dashboards and regulatory packs, ensuring consistent results that serve as a foundation for trust across internal forums and supervisors.
STRATEGIC REGULATORY COMPLIANCE
Trusted by Regulators. Proven in Practice
Mirai delivers automated, regulatory-grade ALM capabilities for both IRRBB and liquidity risk, empowering institutions to meet supervisory expectations with confidence. By producing regulatory calculations and reporting within a single, consistent framework, Mirai reduces operational complexity while ensuring absolute accuracy and transparency.
Audit-Ready Performance. The platform is live in production across multiple institutions and has been successfully validated during numerous on-site inspections. Its robustness and explainability enable a constructive supervisory dialogue, helping your institution demonstrate superior risk governance even under the most intense regulatory scrutiny.
TOTAL AUDIT TRANSPARENCY
One Framework. Full Consistency and Traceability
A single calculation engine ensures total consistency across all metrics and scenarios, eliminating the discrepancies between internal and regulatory figures. Risk and ALM teams gain superior control over data quality and assumptions, maintaining the agility required for both management and supervisory views.
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End-to-End Traceability. Every metric and report is delivered with complete lineage. Data transformations, model versions, and user actions are fully documented and auditable. This transparency empowers Risk functions to control the process, simplifies Internal Audit reviews, and provides supervisors with a clear roadmap of how every result is produced.
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Proven in Production. By combining regulatory rigor with automation and proven supervisory acceptance, Mirai provides a regulatory ALM solution that performs reliably in practice. We move your compliance from theory to high-performance reality.
INDEPENDENT RISK GOVERNANCE
Enabling Effective Risk Challenge
Mirai equips the Risk function with the tools necessary to effectively challenge first-line outputs. Risk teams can independently review metrics, contrast pricing assumptions, and analyze the impact of new strategies or structural products within a controlled, transparent environment.
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Evidence-Based Oversight. The platform enables Risk to recalculate, simulate, and document every challenge with precision. Every analysis is backed by scenario-based evidence, ensuring that assumptions, methodologies, and outcomes are clearly justified and easy to explain to stakeholders.
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A Unified Three-Lines Model. By providing a common language for business units, Risk, and supervisors, Mirai connects the three lines of defense through a shared ALM framework. A single repository for data and metrics ensures organizational alignment while preserving the rigorous independence required for oversight.
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Strategic Partnership. Clear, auditable evidence of decision-making strengthens governance across the institution. With Mirai, the Risk function evolves into a true strategic partner, engaging confidently with Internal Audit and supervisors through a platform that underpins both daily governance and formal supervisory dialogue.
ARCHITECTURAL RIGOR
Advanced ALM Modeling & Methodology
Mirai provides a flexible framework to model products, prepayment profiles, and customer behaviors with precision. Execute regulatory or internal stress scenarios on demand to assess impacts and challenge outcomes before taking strategic action.
Mirai provides a flexible modeling framework that allows Risk teams to represent products, maturities, prepayment profiles, customer behaviours and pricing dynamics with precision. Scenarios—regulatory, internal or stress-based—can be designed and executed on demand, enabling Risk to assess impacts and challenge outcomes before strategic or commercial decisions are implemented.
The platform ensures that risk metrics are produced consistently, completely and on time, even under demanding simulation cycles. Definitions, assumptions and methodologies are clearly documented and comparable across uses, allowing Risk to independently review, reproduce and validate results without reliance on opaque or manual processes.ile controlling risk.
Internal management views and regulatory metrics—such as IRRBB, liquidity and structural indicators—are generated from a single methodological framework. This unified approach strengthens consistency across scenarios and reporting contexts, reduces divergence between internal and regulatory figures, and reinforces control over data quality and end-to-end workflows.
Full end-to-end traceability underpins every calculation. From source data and transformations to models, assumption versions and user actions, all elements are fully auditable—supporting effective Risk oversight, facilitating Internal Audit review and enabling supervisors to clearly understand how results are produced.
UNIFIED FUNDING INTELLIGENCE
Full Transparency Across Liquidity Metrics
Mirai delivers complete visibility into liquidity risk, integrating management metrics and regulatory reporting within a single ALM framework. Analyze cash flows, funding profiles, and liquidity buffers with total confidence using consistent data across every view.
Seamless Reporting, One Aligned View
- Produce liquidity metrics for internal management, risk governance and supervisory purposes from the same outputs.
- Generate both standard and ad hoc reports as requirements evolve.
- Keep results fully aligned across ALM analysis and regulatory frameworks.
Contract-Level Transparency
- Drill down from high-level dashboards to individual contracts and transactions.
- Validate, explain and challenge liquidity positions with clear evidence.
- Justify figures confidently in internal reviews and supervisory interactions.
Single Engine, No Reconciliation
- Run all liquidity calculations in one production-grade environment.
- Ensure full consistency across regulatory reports and ALM figures, eliminating reconciliation issues.
- Proven in production across multiple institutions, including on-site inspections (OSI).
Trusted Oversight and Governance
- Combine management insight, regulatory robustness and operational transparency.
- Support daily decision-making with reliable, auditable liquidity metrics.
- Strengthen formal dialogue with auditors and supervisors through clarity and traceability.
ARCHITECTURAL RESILIENCE
Reducing Operational Risk by Design
Mirai is engineered to minimize operational risk by replacing manual, error-prone tasks with automated workflows. By eliminating a dependency on spreadsheets and fragmented side processes, the platform ensures superior reliability and institutional control.
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Proactive Quality Control. Embedded data quality checks and process validations monitor every stage of the workflow. Inconsistencies or unexpected data movements are identified early, allowing your team to resolve issues proactively before results reach management or regulators.
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Unified Coherence. A single calculation engine ensures total alignment across ALM analysis, management dashboards, and regulatory packs. By producing metrics once and reusing them consistently, Mirai eliminates manual reconciliation and prevents discrepancies between internal and supervisory figures.
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Operational Resilience. End-to-end automation and deep traceability accelerate production cycles while strengthening governance. This structured approach provides the high level of control required by Internal Audit and supervisors, giving your institution greater confidence in every output.
ZERO-OVERHEAD OPERATIONS
Low Maintenance by Design
Mirai is delivered as a fully managed SaaS platform, where we handle all infrastructure, security, and performance. Upgrades and releases are deployed automatically—requiring zero intervention from your internal IT or Risk teams.
Redefining BAU Efficiency
By removing the technical burden traditionally associated with ALM software, Mirai dramatically reduces Business-as-Usual (BAU) effort. Streamlined workflows allow standard runs and reporting cycles to be executed with minimal user involvement, ensuring a stable and predictable operating model.
Strategic Time Reallocation
Shortened production cycles free your Treasury and Risk teams from repetitive operational tasks. Instead of managing software or troubleshooting processes, your experts can focus on analyzing results, challenging assumptions, and driving strategic decisions.
Complexity Absorbed
Our SaaS model absorbs the technological complexity of modern ALM. While your ongoing operations remain simple, your analytical value and institutional control increase, allowing your team to scale without increasing headcount or IT overhead.