Bank Architecture
Eighth floor
Human Resource ManagementSeventh Floor
Cybersecurity and Access ControlSixth floor
Compliance and Anti-FraudFifth floor
Financial analytics and reportingThird Floor
Banking risk managementThird floor
Customer Relationship ManagementSecond Floor
Customer Interaction ChannelsFirst floor
Payment systems and treasuryФундамент банка
Major banking systemsWhat is Bank Risk Management?
Banking risk management is the central element of a bank’s financial stability. This floor covers the entire range of systems that help anticipate, measure, control and minimize risks associated with lending, market instability, operational errors and non-standard situations. Modern risk management is based on data analytics and automated solutions that allow you to respond quickly and accurately.
Risk management systems are necessary for the reliable operation of the bank and compliance with regulatory requirements. They cover the following issues:
Making unfounded credit decisions without scoring.
Losses due to fluctuations in exchange rates and rates.
Undetected risks in operational and portfolio activities.
Lack of proactive crisis response scenarios.
Control risks - manage the future!
Key decisions and directions of the section
Subsections of the system
Credit risk assessment systems
Credit risk assessment systems are automated platforms that provide scoring, credit analysis, decision making and credit portfolio management at all stages of the credit cycle. They are critical to minimizing losses, speeding up approval processes and meeting regulatory requirements.
Market risk management
The Market Risk Management System is a specialized platform for assessing, monitoring and minimizing financial losses caused by fluctuations in exchange rates, interest rates, prices of financial instruments and macroeconomic changes. It ensures compliance with regulatory requirements and capital protection in conditions of market volatility.
Assessment of portfolio and operational risks
The portfolio and operational risk assessment system is a comprehensive tool for identifying, measuring, monitoring and stress testing risks associated with assets, banking processes and internal vulnerabilities. The solution helps the bank predict the impact of various scenarios on sustainability, minimize losses and comply with regulatory requirements.
Forecasting and risk analytics systems
Risk forecasting and analytics systems are analytical platforms designed to build predictive models, identify hidden threats and support management decisions based on a deep assessment of risk factors. They allow the bank to move from reactive management to proactive, ensuring advanced identification of vulnerabilities and scenario planning.
Important to know!
Banks with developed risk analytics are 2 times less likely to default on loans.
Stress testing allows you to identify weak points even before a crisis occurs.
Risk reports are among the key requirements of regulators around the world.
Modern solutions can analyze thousands of factors in real time.
Conclusion
The risk management floor is the bank's strategic insurance. Without a strong risk management system, it is impossible to ensure sustainability, compliance and protection of the interests of both clients and shareholders.
Who are the solutions suitable for?
For large banks
To manage complex international operations.
Regional banks
To optimize internal processes.
For Fintech companies
For integration with traditional banking systems.
Advantages of implementation
Making informed and accuratecredit decisions.
Reduction of losses from market and operational risks.
Compliance with the requirements of regulators and auditors.
The ability to predict risks and manage them in advance.
Don’t postpone transformation — get expert advice and learn how to strengthen your bank’s digital foundation right now!
Develop the Skills of a Digital Transformation Leader with inBank Academy
Get access to exclusive courses and practical materials tailored for professionals in the banking sector. Each training module is developed by industry-leading experts and based on real challenges faced by IT leaders, architects, and project teams in banks.
inBank Academy is not just theory. It's a toolkit of frameworks, use cases, and expert knowledge to help you manage change, build transformation architecture, and stay ahead of tech trends.
Top 3 Topics Professionals Choose:
Strategic Thinking and Transformation Architecture
Learn how to design your bank’s technology development as a unified system — from the core to customer-facing channels. Master approaches to building digital architecture and long-term IT strategy.
Change Management and Digital Culture
Technology implementation is not a goal — it’s a journey. Discover how to manage resistance, shape a culture of adaptability, and guide teams through transformation.
Tech Savviness and Trends
Navigate the fast-evolving world of AI, Big Data, Open Banking, and RPA. Learn how to select technologies that give your bank a true competitive edge.
Start learning today — develop skills that truly transform banking reality.