onze kennis delen
License to operate
Financiële instellingen hebben een vergunning nodig om binnen hun respectievelijke jurisdicties te opereren. Het verkrijgen van die licentie is één ding; Het onderhouden ervan is een voortdurende uitdaging die een zorgvuldig uitgebalanceerd ecosysteem vereist van governance, risicomanagement, finance, technologie, data en operaties. Hoewel er periodes van deregulering kunnen voorkomen, blijven de regelgevende verwachtingen evolueren. Nieuwe vereisten ontstaan, toezicht neemt toe en belanghebbenden eisen meer transparantie, veerkracht en verantwoording. Als gevolg hiervan blijft het behouden van een duurzame vergunning om te opereren een strategische prioriteit voor elke financiële instelling
License to Operate is echter veel meer dan alleen naleving van regelgeving, effectief risico, kapitaal- en liquiditeitsbeheer of degelijke oplossingsplanning. License to Operate betekent in voor ons ook dat we voorbereid zijn op de toekomst met een duurzaam businessmodel, een robuuste en flexibele financiële en risicobedienende business- en IT-architectuur, kosteneffectieve processen ondersteund door opkomende technologieën en data die passen bij de verschillende doelen, qua kwaliteit en efficiënte verwerking.
Bij Mount Consulting zien we Licence to Operate als meer dan alleen naleving van regelgeving. Vanuit ons perspectief omvat het het vermogen om veerkrachtig, concurrerend en toekomstbestendig te blijven in een steeds complexere omgeving.
Vanuit het perspectief van CFO’s, CRO’s, CDO’s en leiders van Treasury & ALM bundelen we onze expertise en serviceproposities rond drie kerndoelstellingen:
1. Continue naleving van regelgeving, waarmee instellingen kunnen voldoen aan veranderende regelgevingsverwachtingen, terwijl controle, transparantie en veerkracht worden versterkt.
2. Operationele verbetering, het verbeteren van efficiëntie, effectiviteit en schaalbaarheid binnen financiën, risico- en treasuryprocessen.
3. Het toepassen van opkomende technologieën, het benutten van technologie, data en automatisering om de prestaties te verbeteren, kosten te verlagen en toekomstige groei mogelijk te maken
Onze inzichten, whitepapers, artikelen en evenementpublicaties verkennen deze thema’s zowel vanuit een strategisch als praktisch perspectief. Door middel van thought leadership gebaseerd op branche-ervaring delen we perspectieven, uitdagingen en oplossingen die financiële instellingen helpen hun licentie om te opereren te versterken en te behouden.
ECB Omnibus Package: A Missed Opportunity for Smarter Regulation
On 26 February 2025, the European Commission (EC) published its Omnibus Package, aiming to streamline sustainability reporting requirements. This package addresses the growing concern over excessive regulatory burdens around Environmental, Social, and Governance reporting.
Impact van de Wet Toekomst Pensioenen op de Financiële Functie
De Wet Toekomst Pensioenen (WTP) vereist voor pensioenfondsen en pensioenuitvoeringsorganisaties aanpassingen in hun operating model en een migratie naar dit nieuwe pensioenstelsel. Dit artikel gaat in op de impact van deze wet op de financiële functie.
CSRD Reporting: Building the Narrative – Part One
In the era of escalating climate concerns, the demand for transparency in how organizations contribute to global climate goals has never been more critical. The CSRD aims to provide stakeholders with a clear, consistent, and reliable picture of a company’s sustainability journey.
EBA Roadmap: Credit Risk Reporting
To further reinforce the prudential supervision in the banking sector of the EU, the EBA has recently published the EBA Roadmap on strengthening the prudential framework. This is the first article in a series of articles that cover various aspects of the recent EBA banking package publication.
Unlocking the potential: generative AI in finance and risk management
The financial industry has not escaped the buzz around recent innovations that will revolutionize the way it operates. In recent years, Gen AI has emerged as a transformative force. This article sheds a light on the development, risks, use cases, and the future of Gen AI in finance and risk.
Delaying regulations
Regulations and deadlines, a tale as old as time, and one you know all too well. They start fairly vague, with many elements still up for consultation. Except for the deadline, that one is usually fixed rather quickly. Almost always quite some time in the future, but usually very tight.
ESG Data Stress – Part 2
ESG Reporting is the disclosure of environmental, social, and governance data, and an ESG report is designed to provide transparency over the organization’s environmental, social, and governance impact across a multitude of stakeholders, employees, and customers.
ESG Data Stress – Part 1
Financial institutions can collect ESG data themselves. They are already collecting a bunch of client and transaction data through KYC and transaction screening processes. Integrating the collection of the new ESG data in the already existing procedures can be effective.
Regulating the financial transition
Between now and 2050, the EU will need to drastically reduce its greenhouse gas emissions and find ways of compensating for the remaining unavoidable emissions, ultimately reaching a net-zero emissions balance. How? The EU Green Deal, a plan consisting of several strategies to reach this goal.
No More Towers
In the world of Robert Jordan’s The wheel of time, there is a white tower. It is the home of the Aes Sedai, a group of powerful women who protect the world from breaking by governing it. They do so by using a holistic view from high up in the tower, while impacting the everyday lives of people.
Introduction to ESG
We have realized that a sustainable economy is a prerequisite to a viable future. By measuring and reporting on the efficiency of resource use, regulators are forcing companies to think about their role in our society. Viktorija Karaliute introduces ESG and explains the challenges financial service industry participants are facing when preparing to report on their sustainability figures.
Moderate transformation impact of amended solvency ||
The review from the European Commission has resulted in two proposals of the European Commission to be discussed by the European Parliament and the Council and finally to be converted into requirements monitored by the supervisors of the respective member states.
Data is the new fire
Why fire? Fire is one of the most important elements in human history. Without fire, mankind would have never transformed from a migratory to a sedentary existence. We would have invented neither cooking, iron works, transportation nor the burning man festival.
EBA discussion paper on integrated reporting
The burden and time consumption that goes into regulatory reporting is probably recognisable for every financial institution. With the advent of the banking union and Basel III, the reporting has taken a flight. The challenges are plenty with reporting taking place to a plethora of institutions.
Legacy in a rapidly modernizing world
Solvency 2 and IFRS17 have posed an increasing demand on implementing a more robust and effective data management platform. Especially life insurance companies have a lot of legacy systems providing inputs in the finance and risk reporting processes.
Do COVID 19 support programs result to shocks in non-performing loan exposure?
Since the outbreak of COVID-19 and its global spread, the European Banking Authority (‘EBA’), along with national competent authorities, and the European Central Bank have taken measures to ease the granting of moratoria to its customers.
Have Babylon and Florence gotten closer to each other?
The cultural diversity leads to different languages, systems, data and processes. External forces and internal drivers, such as reduced costs and better resource allocation, demanded strongly for some of the differences and distinctions to be resolved.
Consulting 5.0: Our perspective on Consulting
Consultants, we’re a different breed. Or so we are told. But what exactly is a consultant and how did this role evolve? There is no other term which is used in so many different circumstances to indicate completely different responsibilities and activities.
The future of finance and risk
It’s for sure that both functions are subject to a fundamental change to meet the various expectations, at least on average. Expectations from today and expectations from the future. From the market, from colleagues, and, last but not least, from talented employees.
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