Delivering innovative
Al-powered financial
software

RISQ is a registered trademark and any reproduction, misuse or unauthorised use may be prosecuted by law.

Delivering innovative
Al-powered financial
software

RISQ is a registered trademark and any reproduction, misuse or unauthorised use may be prosecuted by law.

RISQ is a registered trademark and any
reproduction, misuse or unauthorised
use may be prosecuted by law.

RISQ is a registered trademark and
any reproduction, misuse or
unauthorised use may be
prosecuted by law.

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Why did we found RISQ?

RISQ was founded to bring a radically new approach to financial software and to revive an industry which seems to have become stuck in regulation and has been limited to marginal operational improvements through the use of simple automation and integration.

The current generation of consumers and business people have very different expectations from the previous generation. We are surrounded daily by tools that make our lives easier, such as tablets, smart phones and Google search. Our philosophy is to meet this high expectation of efficiency and effectiveness in the sphere of financial software – to make business as easy, useful, and engaging.

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Our core values

Our core values are innovation, simplicity and customer-centricity.

Innovation

Innovation means to us to build a product that is far superior to everything else in the market by incorporating new technologies native of other industries that deliver game changing improvements. For example, self-learning algorithms learn the behaviour patterns hidden in big amounts of data to make suggestions to decision-makers that lead to dramatically increased efficiency. In areas such as this, we work with leading universities who help to create technically robust and superior algorithms.

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Simplicity

We accept no compromises in our mission to solve difficult problems in the simplest way for our customers. Goethe once said “If I had more time I would have written you a shorter letter”. We want to give our end-user an intuitive experience where nobody needs a user manual.

Customer centricity

Every software vendor will claim this, but almost none is living it. At RISQ we think like our customers and spend endless hours understanding their challenges. We engineer our solutions with our customers’ input. For us, every customer is a customer for life.

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Michael Jesse, CEO and Co-Founder

Michael holds a Masters in Finance (Vienna University of Economics) and a Masters in Global Commerce (Rotterdam School of Management). Before starting work full-time on RISQ in 2015, he was the Global Head of Risk Management Practice at a leading global banking software company, managing a risk pipeline in excess of $US 40m per year. Michael has relationships with Chief Risk Officers and Chief Credit Officers at many of the largest global banks as well as with key influencers and thought leaders in the industry.

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Ozan Vakar, CTO and Co-Founder

Ozan holds a degree in Industrial Engineering (Bosporus University Turkey). In 1990, he founded Omasoft which developed front to back solutions for non-life insurance companies. Omasoft merged with 32Bit in 2000, creating a company of 40+ engineers focusing on treasury and risk management solutions as well business process and document management area. In 2012, 32Bit was spun off, so the new business, renamed Globit, could focus on financial risk and treasury management software for financial institutions as well as providing consultancy in this area.

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RISQ Headquarter

Maqam Tower, 34th Floor, P.O. BOX 35665, Abu Dhabi Global Market Square, Al Maryah Island,
Abu Dhabi, United Arab Emirates
hq@risq.info

RISQ Development

Teknopark İstanbul Sanayi Mah. Teknopark Bulvarı No:1/C1 Blok 7. Kat No: 1701-1702
Pendik, Istanbul, Turkey +90 216 275 71 00
development@risq.info

RISQ South East Asia

Under planning, opening in H2 2019
sea@risq.info

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Work with us

We are constantly looking for new talent who are ready to challenge the status quo, think beyond mainstream and are dedicated to deliver outstanding results. Currently we are looking for the following job roles:
- Junior & Senior Sales Executive for our banking solutions based in Dubai to cover Middle East
- Junior & Senior Sales Executive for our banking solutions based in Vienna
(home office possible) to cover Europe
- Junior/Senior Developers to work on our growing product suite based in Istanbul
- Senior Management Consultants to be based in Germany (home office possible)
Please send your full application including cover letter, references and CV to
info@risq.info

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Solutions for Banks

RISQ solutions focus on the institutional side of banks and as such RISQ can offer a fully integrated whole sale banking solution covering treasury, financial institutions and corporate lending.

This enables banks to manage in a single solution all their treasury limits, FI and non-FI facilities, sovereign lines as well the full corporate underwriting process ranging from SME lending to corporates.

All solution components are based on a single code base, meaning they are not stitched together but are already natively integrated with each other. Furthermore, all components use a common Al engine which server different use across the solution suite.

Download case study here

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Solutions for other FIs

RISQ offers also hosted solutions for other financial institutions, in particular those who are involved in commercial credit assessments.

Together width our partner CRIF we can offer the complete credit assessment process from initial data collection and onboarding, calculating scores and rating – performed via the integrated Decision Engine from CRIF – collateral management, credit approval process including generating loan contracts. RISQ takes also care of the ongoing credit management process including interim and annual review of limits and collaterals, reporting and excess management.

The solution can also be conveniently accessed from any mobile device which further speeds up credit decisions and internal communication.

Please refer to RISQ | corporate lending in our product section for more details.

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Solutions for none FIs

Our trade accounts platform allows wholesalers and distributors to better understand and monitor their customers. Providing real-time credit limit assessments based upon key data parameters including scoring, and on-going performance evaluation providing key decisions and alerts for customers with outstanding credit.

This cloud-based solution allows for a trading company to have at their fingertips an affordable, state-of the-art, online workflow and decisioning system. This relieves the trader from the process, knowledge, investment and burden of implementing and maintaining an environment to run a complex origination and management system. Allowing the institution to immediately apply a best-in-class credit decision solution.

Please refer to RISQ | trade accounts in our product section for more details.

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RISQ | compliance

RISQ | compliance is the industry’s first smart all-in-one treasury compliance solution. It covers a variety of trading limits (position, stop loss, credit, settlement limits and many more), market conformity checks and outlier detection to find suspicious transactions. Outliers are found using a propriety datamining algorithm RISQ developed together with GEBZE Technical University. All compliance checks are displayed in a single real-time pre-deal check. Furthermore, through a real-time activity monitoring tool, you can set treasury-wide compliance rules including a number of deal updates that make manual checks redundant. It is database agnostic and can be connected with any front-office application such as, for example, Misys Kondor, Murex or Calypso.

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RISQ | financial institutions (FI)

RISQ | FI is an end-to-end solution which facilitates the entire process of financial institutions inside a bank. This ranges from controlling and monitoring limits across all divisions, on-boarding new financial counterparties, to processing the entire credit line application. RISQ FI allows clients to monitor risk appetite, credit facilities, and drawdowns, from initiation to approval or interim reviews in a collaborative UI which has dedicated dashboards for the relationship manager, credit approvers or heads of credit.

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RISQ | corporate lending

RISQ | corporate lending is a new generation corporate lending solution using datamining as core innovation to forecast credit decisions at the initiation of the credit application process. Furthermore, it facilitates the entire life-cycle of a credit application, from on-boarding to credit approvals, collateral and document management, interim reviews, and exception reporting. It has dedicated dashboards for relationship managers, credit approvers, heads of credit and management reporting.

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RISQ | trade accounts

Manage all your trade credit processes in a single cloud-based solution, including credit limits, payment terms, exception alerting and MIS reporting utilizing advanced predictive scores.

Our trade accounts platform allows wholesalers and distributors to better understand and monitor their customers. Providing real-time credit limit assessments based upon key data parameters, and on-going performance evaluation providing key decisions and alerts for customers with outstanding credit.

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Integration Points

CRIF is a global company specializing in credit bureau and business information and credit solutions. The CRIF decisioning engine StrategyOne is fully embedded in the RISQ solution.

D&B offers the world’s most credible and comprehensive source of commercial data. You can collect D&B BI reports directly through RISQ UI.

Al Etihad Credit Bureau produces Credit Reports that are made available to individuals and companies in the UAE. You can view those reports directly through the RISQ UI.

Al Bayan Credit Bureau offers financial reports and benchmarks on companies in the Kingdom of Saudi Arabia. These reports are fully integrated into the RISQ solutions.

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Integration Points

CRIF is a global company specializing in credit bureau and business information and credit solutions. The CRIF decisioning engine StrategyOne is fully embedded in the RISQ solution.

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Integration Points

D&B offers the world’s most credible and comprehensive source of commercial data. You can collect D&B BI reports directly through RISQ UI.

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Integration Points

Al Etihad Credit Bureau produces Credit Reports that are made available to individuals and companies in the UAE. You can view those reports directly through the RISQ UI.

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Integration Points

Al Bayan Credit Bureau offers financial reports and benchmarks on companies in the Kingdom of Saudi Arabia. These reports are fully integrated into the RISQ solutions.

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Success Stories

These are some of the banks we work with. If you want to know more please contact us directly.

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RISQ | compliance introduction

RISQ at Finovate Middle East 2018

Downloads:

RISQ | compliance brochure

RISQ | financial institutions brochure

RISQ | corporate lending brochure

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RISQ | compliance introduction

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NEWS

Emirates NBD Group roles out RISQ | financial institutions to all its global branches

Dubai | Mumbai, August 22, 2017

RISQ and StraitsBridge sign strategic partnership

Singapore | Dubai, August 07, 2017

RISQ sponsors key conferences in GCC and India

Dubai, October 22, 2016

RISQ hires key people to increase focus in Central & Eastern Europe

Budapest, July 26, 2016

RISQ appoints Managing Director for APAC

Singapore, May 23, 2016

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NEWS

RISQ appoints Managing Director for its European operation

Paris, April 22, 2016

RISQ signs first key client in the Middle East, a top 150 bank in the World

Dubai, March 16, 2016

RISQ opens office in Dubai, UAE to focus on Middle East growth

Dubai, January 15, 2016

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