Risk Management Solutions
Risk Management Resources
Explore how SAS can help you define the future of risk management.
In the Spotlight
Investing in enterprise risk management? Discover why SAS is a leader.
SAS wins four Risk.net Risk Technology Awards
SAS is lauded for software and solutions that are "way ahead of coming regulations and frameworks," winning: enterprisewide stress-testing product of the year; regulatory capital calculation product of the year; consumer credit modeling software of the year; and IFRS 9 enterprise solution of the year.
SAS is the top category leader in Chartis RiskTech Quadrant for Model Risk Management, 2021
SAS, acclaimed for its overall strength and “consistently effective product development” in model risk management, is the only vendor to score high across all criteria.
SAS is top-ranked in three Chartis RiskTech100 categories
Named one of the top risk and compliance technology providers by Chartis for 15 consecutive years, SAS won three industry solution categories: Risk & Finance Integration, Model Risk Management and IFRS 9.
SAS is rated as a Chartis credit risk 2.0 category leader
“SAS has helped modernize a changing financial services industry, offering solutions and features that boost efficiency and help solve credit risk challenges.”
– Sidhartha Dash, Research Director, Chartis
Browse the latest e-books, white papers, webinars and more.
Featured Resource
Discover how emerging technologies are transforming every aspect of financial services.
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Article
Risk data infrastructure: Staying afloat on the regulatory floodWhat are the challenges of a risk data infrastructure and how can they be addressed? Here's what you need to know to build an effective enterprise risk and finance reporting warehouse that will effectively address compliance requirements.
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Article
Are you good at scoring?Credit scoring is the foundation for evaluating clients who apply for a loan (or other types of exposure for the bank). It is not unusual for it to take up to 12 months to build and deploy a new credit scoring model. Reforming the process will help minimize losses, increase earnings and reduce operational risk.
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Article
Understanding capital requirements in light of Basel IVMany financial firms are already using a popular 2012 PIT-ness methodology for internal ratings-based models. This article examines eight ways the industry is successfully using the methodology – and why this approach can bring synergies for banks, value for regulators, and major competitive advantages.
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Customer Story
AIA Group collaborates with SAS to embark on the IFRS 17 JourneySAS Solution for IFRS 17 rolled out for AIA in parallel run across major Asian markets.
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Customer Story
Fintech company’s rapid growth leads to consistent cloud strategyauxmoney saves resources, gains flexibility and scalability with risk management in the SAS Cloud hosted on Microsoft Azure.
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Customer Story
Analytic models spotlight risky loansItaly’s Ministry of Economy and Finance uses advanced analytics on SAS Viya to quickly calculate risk on financial guarantees.
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Customer Story
Building reliability in riskAt Banca Mediolanum, risk management is cross-functional and affects each department. The evolution of credit scoring models led to the adoption of sophisticated, advanced analytical solutions based on artificial intelligence technologies, such as machine learning to increase the reliability of credit-scoring models.
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Analyst Report
Chartis RiskTech100 2022SAS is the only vendor to earn a Top 5 rank in the Chartis RiskTech100 each year since its 2005 debut. SAS also won three solution categories – Risk and Finance Integration, IFRS 9 and Trade-Based AML – for 2022.
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Customer Story
Finland’s top retail bank applies AI to improve customer service and credit scoringS-Bank provides better customer service and faster, more accurate loan processing time using SAS Viya on Azure.
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Customer Story
Analytics provides valuable and trustworthy insights for FinTechs to seize future opportunitiesSAS helps Nova Credit efficiently develop core business bureau scorecards and models, while minimizing lending risk and improving governance.
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Customer Story
Stress testing becomes competitive advantage with advanced analyticsStandard Chartered Bank uses SAS Analytics to meet stress-testing requirements and assess the effect of crisis scenarios on its future P&L and balance sheet.
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Press Release
SAS scores four Risk.net Risk Technology Awardsadd description here
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Press Release
Chartis: SAS a category leader in model risk managementCiting SAS' “ability to continually adapt its offering to market changes and new technologies,” Chartis Research has named SAS as a RiskTech Quadrant Category Leader in model risk management.
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Press Release
Lloyd’s List Intelligence unveils SAS AI-powered maritime risk analysis platformLloyd’s List Intelligence introduces a new industry standard for maritime intelligence through its partnership with artificial intelligence industry leader SAS.
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Customer Story
Advanced analytics fuels virtual banking with data-driven decisionsAirstar Bank relies on SAS for risk-based customer due diligence, money laundering detection and comprehensive credit risk management.
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Press Release Survey Says: Risk management key to resiliency in 2021 and beyondSAS study reveals how modernizing and automating risk management frameworks delivers profound business benefits; industry “Leaders” chart the path forward, says Longitude.
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Article
IFRS 9 and CECL: The challenges of loss accounting standardsThe loss accounting standards, CECL and IFRS 9, change how credit losses are recognized and reported by financial institutions. Although there are key differences in the standards for CECL (US) and IFRS 9 (international), both require a more forward-looking approach to credit loss estimation.
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Press Release Chartis: SAS a leader in enterprise fraud technologyChartis Research names SAS a category leader in its 2021 market quadrant update and vendor landscape, Financial Crime Risk Management Systems: Enterprise Fraud.
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Customer Story
Advanced simulations and ‘stress-proof’ models help digital bank successfully navigate uncertain scenariosBanca Progetto relies on predictive analytics and a cloud-first approach to mitigate risk, better serve clients and plan for the future.
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Article
CECL: Are US banks and credit unions ready?CECL, current expected credit loss, is an accounting standard that requires US banking institutions and credit unions to estimate life-of-loan losses at origination or purchase.
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Article
Beyond IFRS 17 – what's next?IFRS 17 is not just a new accounting standard. Its fundamental objective is to provide transparency and insight to the insurance business while identifying strengths and areas for improvement. Learn how to keep a long-term vision and achieve broader business value beyond the immediate demands of IFRS 17.
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Article
Understanding capital requirementsCredit risk classification systems have been in use for a long time, and with the advent of Basel II, those systems became the basis for banks’ capital adequacy calculations. What is needed going forward is an efficient and honest dialogue between regulators and investors on capitalization.
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Analyst Report
Chartis RiskTech Quadrant: Technology Solutions for Credit Risk 2.0 (Banking Book)This research paper is based on material
originally published in the Chartis Research report
Technology Solutions for Credit Risk 2.0: Vendor
Landscape, 2019.
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Customer Story
A risk-based approach to combat money laundering in IsraelSAS Anti-Money Laundering helps Ayalon Insurance monitor suspicious activity and meet challenging regulatory requirements.
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Customer Story
Modernizing consumer lending in VietnamVietCredit aims to revolutionize the consumer finance market with SAS.
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Customer Story
Making faster, better lending decisionsLocal Government Federal Credit Union sees efficiency gains with SAS.
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Article
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.
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Article
Scenario stress testing: Beyond regulatory complianceScenario stress testing offers banks a way to simulate responses to a financial crisis using a wide range of conditions and levels of severity.
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E-Book
Stress and Strategy: A C-Suite Guide to Scenario-Based Risk ManagementThis e-book from SAS and Argyle explores some of the ways that top-performing organizations are undertaking scenario-based risk assessment to develop and manage their business strategies.
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White Paper
Keys to robust credit risk modeling and decisioning for better customer experienceModernizing and automating the end-to-end process for origination and servicing – from data management to model development to credit decisions – can reduce credit losses and boost performance. This paper explores how infusing machine learning into this process supports more effective credit decisions for individuals, products or portfolios.
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Article
The analytical CRO and the risk aware CFOTo create a more risk-aware organization, the most important collaborative relationship for the CRO is with the CFO and the finance team. The CFO and CRO – as the executives responsible for budgeting and supervision – tend to get caught in the middle of competing objectives.
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White Paper
Risk-Aware Finance and the Changing Nature of CreditNew research by Chartis and SAS highlights how financial institutions must align finance and risk departments to accurately assess future risks and bolster budgeting and forecasting capabilities. This paper explores how risk-aware finance is becoming essential to meeting future regulatory and competitive demands.
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White Paper
Designing the Infrastructure for Credit Risk Model Development and Deployment in UtilitiesExplore the challenges of setting up credit risk modeling – and how to establish an effective program through better planning and design.
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Customer Story
Cultivating a risk cultureBank of Baroda strengthens governance and fosters trust using SAS Governance and Compliance Manager.
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White Paper
Insurers: Are You Ready for IFRS 17?This white paper tells you what to look for in an IFRS 17 solution and explains why insurers should be taking action now to prepare for the new requirements.
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White Paper
Tackle the Complexity of IFRS 9 and CECL StandardsThe US standard for CECL increases the complexity of the allowance estimation process. Outside the US, IFRS 9 is having the same effect. Learn about best practices for getting this right.
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White Paper
Designing the Infrastructure for Credit Risk Model DevelopmentExplore the most common problems organizations face when setting up infrastructure for analytics – and credit risk modeling specifically – and learn about ways to increase productivity and reduce problems through better planning and design.
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Customer Story
A model solutionTD Bank uses SAS Model Risk Management to stay on top of regulatory requirements, facilitate cross-functional collaboration and drive business value.
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White Paper
CECL: Don't Neglect the FundamentalsFirms that proactively implement a CECL process that is controlled, efficient, collaborative and sustainable will find themselves with a competitive advantage over time. This paper discusses the long-term benefits of this holistic approach.
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White Paper
Analytics Platform and Program: Keys to Success for Regulatory Compliance in Financial ServicesAdvanced analytics is at the heart of regulatory compliance processes in financial services. This paper discusses data enormity and preparation for analysis; flexibility in computing platforms; and a comprehensive program for data, analytics and models.
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Article
IFRS 17 and Solvency II: Insurance regulation meets insurance accounting standardsIFRS and Solvency II encourage comparability and transparency from a regulatory and accounting perspective for insurers, but there are important differences.
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White Paper
Solvency II Compliance and beyond: The essential steps for insurance firmsLearn about the essential steps that insurance companies need to complete to ensure Solvency II compliance – and beyond – with the ability to support enterprise risk management.
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Article
Credit risk management is the answerLending and loan volume is back up to pre-crisis levels. But banks are facing higher delinquencies as well. That's why improving credit risk management is crucial.
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Customer Story
Calculating credit risk in half the timeTo stay compliant with Basel regulations, Yapi Kredi relies on SAS to handle millions of data sets.
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White Paper
The Changing Landscape for Credit Risk ManagementDeveloping and executing credit risk models as they become increasingly integrated with firmwide risk, balance sheet targets and limits will require more sophisticated models, enhanced data management and high-performance computing. Read this paper to learn more.
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White Paper
BCBS 239: A Path to Good Risk TakingIn the face of all the challenges and potential opportunity, BCBS 239 principles provide a solid foundation for data and analytics. And implementing them should be seen as a strategic investment.
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White Paper
The Future of Model Risk Management for Financial Services FirmsBanks have been using credit scoring models for decades, but since the financial crisis of 2008, regulators have formalized the discipline of model risk management (MRM), driving the need for more rigorous, enterprise-level model information management. Regulators now want to evaluate bank models to access their trustworthiness – not blindly accept the numbers they generate.
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Article
Model risk management: Vital to regulatory and business sustainabilitySloppy model risk management can lead to failure to gain regulatory approval for capital plans, financial loss, damage to a bank's reputation and loss of shareholder value. Learn how to improve model risk management by establishing controls and guidelines to measure and address model risk at every stage of the life cycle.
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Article
Should banks adopt regulations as best practices?The regulatory tsunami isn't letting up, but is there value to be gained in adopting, for instance, BCBS 239 principles?
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Article
Retail cyber risk toleranceManage your data assets just as you would any of your physical assets by putting security plans in place for any and all contingencies.
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White Paper
Firmwide Scenario Analysis and Stress TestingThis paper explores the two most commonly used firmwide scenario model approaches for stress testing, firmwide risk capital measures and how regulatory stress testing is different from the firmwide risk capital approach mandated by CCAR and EBA.
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Customer Story
Better reporting yields better understanding of risk managementSAS Visual Analytics helps Erste Bank Croatia tackle diverse data for accurate analysis.
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Customer Story
Forecasting helps Wescom Credit Union save millions of dollarsWescom Credit Union increases lending decision accuracy by at least 50%.
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Customer Story
A faster, comprehensive way to manage portfolio riskBank of India uses SAS to improve risk analysis, automate processes and meet both regulatory and internal requirements.
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Article
Risk capital and lessons from the TitanicEconomic capital is that something extra that senior management needs for staying financially afloat in tough economic times. SAS uses the tale of the Titanic to describe risk capital risk management best practices.
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Article
A new arms race: Analytics for commodity market complianceRogue trading and dodgy deals are not the only things keeping chief risk officers awake. Today’s regulators now employ big data analytics to uncover troubles in the commodity swaps market. Staying ahead of innocent compliance errors – and quickly identifying the occasional bad actor from within – will require some tough analytics of your own.
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White Paper
BCBS 239: Meeting Regulatory Obligations While Optimizing Cost ReductionsExplore how forward-looking finance executives are using high-performance technologies to create fundamentally superior, compliant risk reporting processes – and ultimately help executives realize the goal of sustainable profitability
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White Paper
Effective Utility Risk Management -
Customer Story
Q&A: Risk and yield in the era of Solvency IILeading Italian insurer transforms Solvency II compliance into strategy, aligning capital management with business performance and optimizing production factors.
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Customer Story
Low-risk strategy delivers top-level returnsBank Leumi uses SAS to achieve superior shareholder returns in a competitive environment and with high capital reserves.
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E-Book
Adapting to the New Age of Risk AnalyticsRapid advancements in technology are leading to a new age of risk analytics. The availability of commercial and open source software – coupled with significantly improved integration using industry standard tools – has made analytics more user friendly, expanding its reach to a broader range of business professionals.
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White Paper
Scenario-Based Risk Management: Overcoming the ChallengesAs regulatory stress test regimes mature, financial institutions are looking for ways to harness investments they made in stress testing programs to gain additional business value.
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White Paper
Stress Testing 2.0: Better Informed Decisions Through Expanded Scenario-Based Risk ManagementA road map for those who are starting to build – or are rethinking their approach to – their stress testing infrastructure and strategy.
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Executive Brief
Climate RiskA collection of articles from Risk.net on the impact of climate change on banks. SAS provides some key ideas for companies performing a self-assessment of their maturity in climate risk management.
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White Paper
Seven trends that will transform bankingAdvanced analytics and big data are enabling smarter decisions and more efficient processes, from credit to compliance and risk management.
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White Paper
LDTI Should Spell OpportunityComplying with the Long-Duration Targeted Improvements standard presents major challenges to insurance companies. At the same time, it offers them the opportunity to modernize business processes and information systems.
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White Paper
LDTI: Finding a solution for today and tomorrowSAS can help insurers address the data and technology complexities of LDTI with a solution that solves the problems of today while looking ahead to obstacles of the future.
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White Paper
Compete and win with better model risk managementAs explored in this paper, models can degrade over time, and sound model risk management (MRM) is the key to managing this risk.
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White Paper
Machine Learning Model GovernanceBanks are rapidly expanding their use of machine learning-enabled (ML) models, because they can provide step-level improvements in accuracy. But ML models need even more rigorous governance than traditional models. This paper explores what's required to implement effective ML model governance.
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White Paper
Basel IV: The push you neededIn a landscape of great uncertainty and the economic crisis sparked by COVID-19, financial institutions must address the challenges Basel IV will bring. An integrated risk management approach is the best path forward to meeting ever-evolving regulatory needs.
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White Paper
Artificial Intelligence in Banking and Risk ManagementGlobal Association of Risk Professionals (GARP) and SAS survey drew more than 2,000 responses from across the financial services industry to answer questions about the current and future state of AI in risk.
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White Paper
Building Artificial Intelligence in Credit Risk: A Commercial Lending PerspectiveWhat will it take for banks to trust artificial intelligence (AI) and machine learning (ML) with judgments about data accuracy and leverage it for commercial lending process automation?
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White Paper
Outrunning risk with cloudBy employing cloud-based risk modeling and decisioning capabilities, banks can make faster, more sophisticated risk calculations that keep them one step ahead of existing and emerging threats.
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White Paper
How to compete in the new era of customer-centric insuranceLearn how to quickly respond to market changes by reducing the time needed to build hand-coded models and accommodating a range of programming languages.
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White Paper
Managing Models and Their RisksComputational and technological challenges present opportunities for a fast-evolving risk management discipline.
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Event Collateral
White Paper
Model Risk Management: Today's Governance and Future DirectionsA GARP-SAS Survey on Model Risk in the Age of Artificial Intelligence and Machine Learning.
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White Paper
Intelligent Decision Automation for Telecommunications in the Digital AgeLearn how communications providers who adapt and embrace analytics and AI will unlock opportunities by converting current processes to be reliably smart, such as credit risk, fraud and collections.
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White Paper
From Crisis to Opportunity: Redefining Risk ManagementHow a more automated approach to risk management can transform banks’ performance, during the pandemic and beyond.
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White Paper
The Future of Risk Modeling Explore the future of risk modeling with a comprehensive offering that covers data management, modeling, governance, reporting, batch execution, real-time scoring and decisioning with a platform designed for all types of risk models.
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Customer Story
Managing risk to move faster in the marketplaceBendigo and Adelaide Bank better positioned to manage risk using SAS® Credit Risk Management solutions.
Blogs: Risk Management
Blogs: Risk Management
In this series, risk management experts share tips, tricks and practical advice on managing risk to drive efficiency and compliance.
Join the SAS Risk Management Community
Join the SAS Risk Management Community
Be a part of the SAS Risk Management community, where you can interact with peers and SAS experts to ask questions, share tips and tricks, and discuss all our risk-related banking, stress testing and insurance solutions.
