Risk Management
Risk Management
Drive business evolution with intelligent risk analytics.
Profitability. Efficiency. Regulatory compliance.
No matter how your organization prioritizes risk, SAS has proven methodologies and best practices to help you establish a risk-aware culture, optimize capital and liquidity, and meet regulatory demands. Put on-demand, high-performance risk analytics in the hands of your risk professionals to ensure greater efficiency and transparency. Strike the right balance between short- and long-term strategies. And confidently address changing regulatory requirements.
Regulatory Risk Management
Streamline your credit risk and regulatory capital analytics.
Systemic risk is a central concern driving regulatory strategy. As a result, regulations are constantly being modified to increase transparency, improve operational and risk controls, and raise capital buffers. SAS can help you stay on top of such changes with solutions that enable you to:
- Optimize credit risk analysis. Implement timely and accurate risk weighted asset (RWA) reporting, and optimize regulatory capital.
- Address Basel III/IV requirements for credit risk analytics. Measure the effects of risk-based capital requirements across future time horizons throughout the life of each exposure and across all portfolios.
- Create a consolidated data, modeling and reporting platform. Integrate existing risk models and data hierarchies into a streamlined, unified data infrastructure for measuring and reporting on credit and counterparty risk.
- A firmwide risk technology foundation. Update legacy processes with a modernized risk infrastructure that supports scalable, high-quality data, workflow analytics and reporting. The underlying SAS® Infrastructure for Risk Management foundation supports extensible, plug-and-play solutions that address your current and future risk and regulatory requirements.
- High-performance architecture. SAS delivers a modern risk ecosystem – from data management through model execution. Intuitive process flow visualization capabilities, combined with a central repository for documentation, greatly improve quality controls. And you get the power of parallel code execution at a very low cost.
- Frequent updates to regulatory content. SAS separates the more dynamic regulatory calculation methodologies and reports from our software platform, enabling you to consume more frequent releases in timely, easy-to-install downloads for updating calculations and reports without having to upgrade the overall system.
- Flexible visualization capabilities. An intuitive management dashboard of regulatory credit risk measures – built with SAS Visual Analytics – gets what-if analyses and regulatory reports into the hands of all risk stakeholders quickly and efficiently.
Regulatory Risk Management Solutions
- SAS® Regulatory Risk Management
Proactively manage regulatory risk across multiple jurisdictions with a single, end-to-end risk management environment.
- SAS® Risk and Finance Workbench
Orchestrate all aspects of the stress testing process, and consolidate results from various systems, from a central hub. - SAS® Solution Content for Stress Testing
Meet the challenges of supervisory stress testing, and establish a powerful data and modeling environment for scenario-based planning
- SAS® Regulatory Content for EBA Taxonomies
Meet European Banking Authority (EBA) reporting requirements and gain business value with a collection of industry-leading reporting content.
Solutions That Extend Your Regulatory Risk Management Capabilities
- SAS® Capital Requirements for Market Risk
Efficiently comply with FRTB, and gain a comprehensive view of market risk. - SAS® Expected Credit Loss
Meet the challenges of IFRS 17, IFRS 9, CECL and beyond with a centralized, flexible, high-performance analytics environment. - SAS® Risk Management for Banking
Perform risk analysis and risk-based capital calculations for all major risk types. - SAS® Data Management
Automate data processes – from data collection and aggregation, to data validation and cleansing.
Ready to take the next step toward getting the most value from your data? We offer several different technology, deployment and financing options, depending on your needs.
For pricing and ordering information, check out our purchasing options.
Or you can request a personalized price quote.

Capital Planning
Identify opportunities and risks using scenario-based analysis, including stress testing.
Go beyond regulatory compliance to drive strategy and improve business performance. Streamline processes in an integrated forecasting ecosystem that can quickly and efficiently quantify the impacts of multiple macroeconomic and business scenarios on your portfolio. SAS delivers superior data, modeling and computational functionality with unmatched analytics and reporting capabilities that enable you to:
- Operate with greater efficiencies. Relieve the resource burden of stress testing, and reduce cycle times to allow for greater focus on higher-value activities.
- Facilitate capital planning. Use comprehensive tools and powerful reporting capabilities to uncover risks and opportunities in your portfolio, and use these insights to inform your strategic plan.
- Expand your capabilities. From running multiple business-specific scenarios to executing reverse stress tests, you can move beyond supervisory stress testing scenarios to gain insights into the path ahead and prepare your portfolio for the unexpected.
- Improve transparency and controls. Significantly reduce model risks and improve auditability with flexible workflow automation and embedded controls.
- Adapt and evolve. Easily introduce new models, methodologies and scenarios as business needs change. Drill down and focus on wherever conditions dictate. Improve and refine processes over time.
- Efficient process orchestration. A centrally managed workflow helps you orchestrate entire stress testing and capital planning processes using a web-based interface. You can achieve greater integration of your stress testing and provisioning (IFRS 9/CECL) activities.
- Strong controls and auditability. Efficiently manage and monitor well-governed, transparent and auditable stress testing and capital planning processes from a central point of control, with integrated qualitative assessment and governance processes for both internal management and external regulators.
- Powerful risk analytics – simplified. A centralized, web-based interface simplifies the development, execution and maintenance of even the most complex models, while enabling you to quickly compare outputs and visually explore results. You can perform advanced scenario-based analysis across all risk types and asset classes with minimal coding required.
- Integrated, market-leading model governance. Manage and store all models and scenarios in a centralized library. Easily test and validate models, and orchestrate their deployment to production in a controlled and traceable manner.
- Comprehensive data management. House easily accessible and integrated data repositories in a transparent and readily searchable form. Trace data lineage throughout the entire stress testing life cycle with market-leading capabilities for data quality management and metadata documentation.
- Investment protection. SAS integrates with existing legacy systems – from databases and ERP solutions to third-party and open-source analytics – so you can overcome data silos and extend the capabilities of your current risk and finance architecture.
Risk Management and Capital Planning Solutions
- SAS® Risk and Finance Workbench
Orchestrate all aspects of the stress testing process – and consolidate results across systems, lines of business and geographies – from a central hub. - SAS® Model Implementation Platform
Quickly and efficiently deploy and execute a wide range of complex and computationally intensive systems of models used in stress testing. - SAS® Qualitative Assessment Manager
Reduce the manual effort required to document, manage, assess, communicate, monitor change and audit the stress-testing processes required for capital planning and review.
Solutions That Extend Your Risk Management and Capital Planning Capabilities
- SAS® Expected Credit Loss
Support all critical aspects of capital planning and stress testing with an integrated approach to managing scenarios – from data collection across risk and finance, to model deployment and process orchestration, through managerial and regulatory reporting. - SAS® Solution Content for Stress Testing
Meet the challenges of supervisory stress testing, and establish a powerful data and modeling environment for scenario-based planning
- SAS® Regulatory Content for EBA Taxonomies
Meet European Banking Authority (EBA) reporting requirements and gain business value with a collection of industry-leading reporting content. - SAS® Model Risk Management
Significantly reduce your model risk, address regulatory requirements for model governance, and enable more efficient resource allocation by identifying critical models and how they are interconnected.
Ready to take the next step toward getting the most value from your data? We offer several different technology, deployment and financing options, depending on your needs.
For pricing and ordering information, check out our purchasing options.
Or you can request a personalized price quote.

Credit Risk Management
Deploy a broad range of scalable credit models to continuously manage your loan portfolios.
Understanding and proactively managing credit risk requires increasingly sophisticated analytic insights. Whether you need to optimize credit decisions or address new accounting requirements for expected credit loss (ECL), SAS enables you to develop and execute models that quantify and predict potential risks, with on-demand reporting and real-time decisioning you can trust. With SAS, you can:
- Deploy models faster. Avoid recoding and slash the time it takes to build and deploy credit risk models with an integrated solution that acquires data from existing systems to build, back-test and deploy models. A major international bank used SAS to achieve a 60 percent improvement in model management efficiency and reduce compliance costs more than 25 percent.
- Better manage corporate IP. Reduce learning cycles and realize faster benefits by retaining valuable institutional knowledge. Our intuitive user interface enables easy sharing of project artifacts, segmentation logic, variables and related intellectual property.
- Make better-informed lending decisions. Accurately assess risk exposures and inform credit and pricing decisions using a broad range of scoring methodologies. Get a comprehensive view of risk and model performance, and conduct champion/challenger tests against new models to ensure optimal performance aligned with your business objectives.
- Reduce model risk. Ensure optimal model performance throughout each model's life cycle with fast, reliable on-demand reporting that aligns with regulatory requirements for model governance. Reduce model development and validation costs up to 30 percent by focusing expert resources on your most critical models.
- Enhance capital planning. Deploy scenario-based risk analytics to simulate potential exposures and support capital planning. Stream analytics in real time to stress credit portfolio exposures, enabling early warning and escalation. Analyze complex portfolios, including the effects of netting against collateral and credit derivatives.
- Efficiently comply with accounting, regulatory and economic capital demands. Prepare IFRS 9 and CECL estimates in a centralized and controlled environment. Deploy comprehensive analytics to measure risk weighted assets (RWA) and economic capital.
- Automation of complex risk management processes. Only SAS enables you to increase efficiency and transparency while reducing model risk using well-defined, automated governance and workflow solutions.
- Powerful and scalable analytics capabilities. SAS gives you the unique ability to quickly develop and implement your own models with the power to analyze large credit portfolios down to individual loan assessments. With SAS, you get a modernized analytics foundation that scales flexibly to address both current and future requirements.
- Customizable, adaptable data and reporting. Whether you're a specialized lender or diverse multinational financial institution, our flexible framework gives you the ability to integrate and stage high-quality data. You get the transparency needed for a full range of on-demand reporting to address current and future requirements. Our flexible data design accommodates models developed using SAS, industry-standard or open source software.
- Powerful modeling environment. Our credit risk solutions let you develop models using SAS code, Python and R, as well as incorporate AI and machine learning models. Only SAS enables you to build and own the IP of the models you develop, enabling you to address your unique business requirements.
- Proven financial services solutions. Year after year, SAS Analytics has been ranked high in the leaders quadrant by a range of analysts, from Chartis to Celent/Oliver Wyman. We retain our global leadership position thanks to close collaboration with our customers and our industry-leading investments in R&D.
- SAS® Credit Assessment Manager
Evaluate your entire loan portfolio by performing both qualitative and quantitative assessments of individual nonperforming loans.
- SAS® Credit Scoring
Develop, validate and monitor credit scorecards faster, cheaper and more flexibly than any outsourcing alternative. - SAS® Expected Credit Loss
Meet the challenges of IFRS 9, CECL and beyond with a centralized, flexible, high-performance analytics environment. - SAS® Model Risk Management
Ensure your credit models are well-managed throughout their life cycles, and address international regulatory governance requirements. - SAS® Regulatory Risk Management
Proactively manage regulatory capital across multiple jurisdictions by deploying powerful RWA analytics and reporting.
Ready to take the next step toward getting the most value from your data? We offer several different technology, deployment and financing options, depending on your needs.
For pricing and ordering information, check out our purchasing options.
Or you can request a personalized price quote.

Risk Governance
Proactively govern risk management processes to achieve business and regulatory goals.
Whether you're modeling enterprise risk or running stress tests, reliable results depend on fully governed processes. Solid risk governance helps ensure your models are always up to the task, adequately addressing regulatory compliance mandates and helping you avoid potentially disastrous losses. In today's firms, the CEO, board of directors and executives across all lines of business share accountability for risk governance. That's because good governance goes beyond compliance and risk avoidance to help ensure optimal business outcomes. Our innovative, risk-based approach to governance enables you to:
- Gain a holistic, enterprisewide view of your risk profile and internal control status. Measure exposure and risk across all risk types and books of business, and update measures as often as needed to align with your firm's risk appetite.
- Establish a centralized model inventory and model risk management framework. Ensure modeling process transparency, and promote consistent standards throughout your organization to ensure superior quantitative and qualitative model risk management, regardless of model type, source, software or technology.
- Become a well-governed, risk-aware organization. Establish a risk governance infrastructure that consistently delivers high-quality data and produces accurate, on-demand reports for management, auditors and external regulators.
- Build confidence in your processes. Identify, capture and manage your most critical operational risk and compliance processes with a self-documenting solution that provides auditability and traceability for both management and regulators. Establish a single point of truth for your risk models and governance processes, whether they are focused on stress testing, expected credit loss (IFRS 9/CECL) or enterprise risk management.
- Data and model governance. SAS offers unique analytics leadership with orchestration, modeling and reporting platforms that enable fast, efficient data analysis. Our model governance solutions automatically document the entire model life cycle – from data integrity and business rules, to model usage and validation.
- Flexible reporting. Only SAS provides comprehensive model governance that includes intuitive, self-service reporting and visualization. Visualize network maps to see how models are interconnected, or heat maps to reveal critical risks that need immediate attention. Design and deploy on-demand reports, and receive automated mobile alerts across any hierarchy and level of granularity on the fly.
- Transparent model risk management. A centralized model inventory includes workflow management and documentation. You can quickly access all the information you need about your firm’s models in one central location, regardless of the software used in development. SAS makes it easier for users, management, auditors and regulators to understand model assumptions, performance, design and criticality across all geographies and lines of business.
- Well-governed stress testing. Whether you're performing stress tests for CCAR or against your credit portfolio for IFRS 9, SAS offers a comprehensive, streamlined approach to qualitative assessments that require you to track complex analytic job flows. Beyond compliance, SAS enables you to govern scenario-based analytics that benefit the business – from capital planning to balance sheet immunization.
- SAS® Governance and Compliance Manager
Strengthen governance and foster trust by aligning operational risk and GRC principles with business objectives and strategy execution on a flexible and extensible foundation. - SAS® Model Risk Management
Significantly reduce your model risk, improve decision making and financial performance, and meet regulatory demands with comprehensive model risk management. - SAS® Qualitative Assessment Manager
Reduce the manual effort required to document, manage, assess, communicate, monitor change and audit the stress-testing processes required for capital planning and review.
Ready to take the next step toward getting the most value from your data? We offer several different technology, deployment and financing options, depending on your needs.
For pricing and ordering information, check out our purchasing options.
Or you can request a personalized price quote.

Insurance Risk Management
Adopt a single, integrated framework for IFRS 17 and Solvency II compliance – and beyond.
While IFRS and Solvency II differ in the details – e.g., contract identification, level of and approach to calculations, reported measures, responsibilities – they share similar requirements for data, structures, process auditability and traceability, and supporting systems. Our single, integrated framework facilitates both IFRS 17 and Solvency II compliance, while turning compliance into an opportunity for operational excellence. Built on a platform that has the flexibility to support late-breaking process changes, without disrupting what you're developing or already have in place, SAS solutions can help you:
- Meet all IFRS 17 requirements. Take a comprehensive approach to insurance contract accounting − from data sources to reporting – with predefined data models; data and business rule management; calculations based on the building block, premium allocation and variable fee approaches; posting generation; and process management and governance.
- Ensure regulatory compliance. Accurately evaluate your risk exposure – and meet governance and auditability requirements for Solvency II or similar regulatory regimes – with solutions that accommodate new solvency models, data management processes and complex reporting requirements.
- Fully comply with ORSA requirements. Integrated data management, a powerful risk engine, our business model, a preconfigured capital planning framework and narrative reporting capabilities support both the quantitative and qualitative elements of ORSA, while also contributing to an effective capital planning process.
- Align strategies and goals across finance, risk, actuarial and regulatory compliance functions. Develop strategic plans at the entity level involving appropriate insurance business units.
- Risk analysis framework. Perform bottom-up risk analysis by product line and risk type. Meet the demands for more robust stress testing and scenario planning.
- Integrated platform. A single platform enables life and P&C insurance companies to analyze a variety of risks. The underlying platform provides an end-to-end approach – from data sources to reporting – and can serve as the core foundation for an integrated analytical framework.
- Open system. The system is fully customizable, supporting the co-existence of multiple regulatory regimes and extension to third-party contributions.
- Automated documentation. Flows of execution, calculations and dependencies are clearly visible. Documentation is generated automatically from the code and is always up-to-date.
- High performance. A scalable architecture – featuring parallel task execution, in-memory processing and grid optimization – results in extremely fast calculations.
- SAS® Capital Planning and Management
Create a consolidated capital planning environment that lets you tightly integrate your risk and finance systems. - SAS® Firmwide Risk for Solvency II
Establish a risk analytics framework that enables Solvency II compliance and supports the internal model approach for risk analysis. - SAS® Governance and Compliance Manager
Build trust in risk and compliance programs by connecting the enterprise.
- SAS® Market Risk Management for Insurance
Calculate the true market value of your financial instruments and assets, and comply with changing regulatory requirements. - SAS® Solution for IFRS 17
Take a comprehensive, scalable approach to insurance contracts accounting, while gaining the ability to implement risk and finance calculations and reporting on one platform. - SAS® Underwriting Risk Management for Insurance
Perform loss estimation, reserving and risk management analysis in a single, high-performance analytics environment.
Ready to take the next step toward getting the most value from your data? We offer several different technology, deployment and financing options, depending on your needs.
For pricing and ordering information, check out our purchasing options.
Or you can request a personalized price quote.

-
SAS® Commodity Risk AnalyticsProactively capture, analyze and simulate market and credit risks associated with energy commodity price volatility.
-
SAS® Capital Planning & ManagementCreate a consolidated capital planning environment that lets you tightly integrate your risk and finance systems.
-
SAS® Capital Requirements for Market RiskEfficiently comply with FRTB and gain a comprehensive view of market risk.
-
SAS® Credit ScoringDevelop, validate and monitor credit scorecards faster, cheaper and more flexibly than any outsourcing alternative.
-
SAS® Expected Credit LossMeet the challenges of IFRS 17, IFRS 9, CECL and beyond with a centralized, flexible, high-performance analytics environment.
-
SAS® Firmwide Risk for Solvency IIEstablish a risk analytics framework that enables Solvency II compliance and supports the internal model approach for risk analysis.
-
SAS® Governance and Compliance ManagerBuild trust in risk and compliance programs by connecting the enterprise.
-
SAS® High-Performance RiskMake better, faster decisions based on current views of your overall risk exposure.
-
SAS® Market Risk Management for InsuranceCalculate the true market value of your financial instruments and assets, and comply with changing regulatory requirements.
-
SAS® Model Implementation Platform Quickly and efficiently execute a wide range of models used in bank stress tests and other enterprise-level risk assessments.
-
SAS® Model Risk ManagementSignificantly reduce your model risk, improve your decision making and financial performance, and meet regulatory demands with comprehensive model risk management.
-
SAS® Solution for IFRS 17Simplify your transition to the IFRS accounting standard with best-in-class models, workflow and reporting.
-
SAS® Regulatory Risk ManagementProactively manage regulatory risk across multiple jurisdictions with a single, end-to-end risk management environment.
-
SAS® Risk and Finance WorkbenchOrchestrate all aspects of financial stress test and credit loss reserving processes, and consolidate results from various systems, via a central hub.
-
SAS® Risk Dimensions®Configure models and risk analyses for market risk, credit risk, asset and liability management, and risk aggregation.
-
SAS® Risk Management for BankingPerform risk analysis and risk-based capital calculations for all major risk types.
-
SAS® Risk Modeling WorkbenchLower costs and reduce the operational risks associated with risk model development.
-
SAS® Underwriting Risk Management for P&C InsurancePerform loss estimation, reserving and risk management analysis in a single, high-performance analytics environment.
-
SAS® Qualitative Assessment ManagerReduce the manual effort required to document, manage, assess, communicate, monitor change and audit the stress-testing processes required for capital planning and review.
-
SAS® Regulatory Content for CECLQuickly meet new US Financial Accounting Standards Board current expected credit loss (CECL) standards with best practices for modeling, workflow and reporting.
-
SAS® Regulatory Content for EBA TaxonomiesMeet European Banking Authority (EBA) reporting requirements and gain business value with a collection of industry-leading reporting content.
-
SAS® Credit Assessment ManagerEvaluate your entire loan portfolio by performing both qualitative and quantitative assessments of individual nonperforming loans.
-
SAS® Regulatory Content for IFRS 9Accelerate time to benefit and quickly meet IFRS 9 standards.
-
SAS® Solution Content for Stress TestingMeet the challenges of supervisory stress testing, and establish a powerful data and modeling environment for scenario-based planning.

Get all the information that's relevant to banking, insurance and risk management from the SAS® Global Forum 2019 Executive Program – right on your screen with a video-on-demand playlist.
Will your institution be ready for IFRS 17?
When it comes into effect in January 2021, IFRS 17 will completely upend the insurance industry. Are you ready to face the coming challenges?
SAS Insights, your source for top risk management news, views and best practices.
-
Next generation anti-money laundering: robotics, semantic analysis and AIAnti-money laundering taken to its next level is sometimes referred to as AML 2.0 or AML 3.0. What does this next wave of AML technology look like? What can it do that you can’t do with traditional AML? See the results innovative financial institutions around the globe are already getting.
-
The state of insurance fraud technologyA 2019 Coalition Against Insurance Fraud study surveyed 84 companies on their use of anti-fraud technologies and compared results to 2014 and 2016. Get the highlights here.
-
How AI and advanced analytics are impacting the financial services industryTop SAS experts weigh in on the topics that are keeping institutions up at night and fraudsters in a job.
-
IFRS 17: Waiting is not an optionIFRS 17 is a principles-based accounting standard for the future-oriented valuation of insurance contracts. Designed to increase financial transparency, IFRS 17 requires insurers to report in more detail on how insurance and reinsurance contracts affect their finances and risk.
What People Are Saying
"SAS Visual Analytics made it possible to create and reshape reports that are easily accessible to any employee – even those without technical skills – thanks to intuitive design elements and user-friendly visuals and explorations."
"We know that the governance, the model build and the model development life cycle is consistent regardless of what the end use of that model is. Data is consistent. It is aligned."
"We want to build a sustainable and scalable solution for managing models at Discover. The new SAS system will help us reduce model risk and increase business value."
