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End-to-End Analytics, Administration, Portfolio Management and Reporting Platform

Proven, robust and secure structured finance and ESG enterprise software solution

Turn-key, Hosted Software as a Service or On-Premises Installation

Industry Best Practices

Material Benefits and Cost Savings

Suitable for All Market Participants

Feature Rich to Support Multi-User Requirements 

Asset Class Agnostic, Multi-Jurisdictional and Multi-Currency Credentials

All Transaction Types

End to End Automation

Proven Implementation Credentials

Optimize “Opti-Pool” Funding

Hosted Software as a Service

Technology that Enables Best Practices

End-to-End Analytics, Administration, Portfolio Management and Reporting Platform

Automation of workflow activities in an auditable, controlled environment is seen as critical to enable structured finance, securitization participants to adopt industry best practices. With one of the most robust and flexible platforms available in today’s market, we remain at the forefront of the industry.

TAO Solutions’ software can be used in both a modularised form as well as providing the complete end-to-end solution. An overview of the holistic solution for a securitization, structured finance, covered bond issuer is as follows:

Securitizations, covered bonds, RMBS, CMBS, ABS, warehousing, whole-loan sales are examples of structured finance transactions that.

Turn-key, Hosted Software as a Service or On-Premises Installation

Flexibility of deployment enables TAO Solutions customers to utilize the software in an environment that suits their operational and business needs. Our technology can be deployed via the cloud (public or private by TAO or the customer) or via an on-premises installation.

With over a decade of experience in managing privacy related and other critical information, TAO Solutions can easily adopt the necessary security measures needed by the customer to its internal security related requirements.

A TAO hosted solution represents an outsourced SaaS model that includes the use of our private cloud infrastructure (in selected regions) as well as internationally renowned public cloud providers.

Industry Best Practices

Establishing an automated, controlled, auditable environment for an organization's structured finance and securitization activities that supports industry best practices is considered essential from a risk management, corporate governance and regulatory compliance perspective.

With over a decade of software administration, development and implementation credentials as well as housing extensive subject matter expertise, TAO Solutions has positioned itself as the global leader in utilizing industry best practices to support the various complex requirements surrounding securitization, covered bonds, ESG and structured finance activities.

Utilizing the latest technologies, key issues have been addressed in a highly configurable manner, supporting customer expectations and asset-selection, funding and reporting.

Material Benefits and Cost Savings

Outsourcing your securitization, structured finance requirements provides a number of benefits. This includes:

1. Providing a proven software solution that has is based upon industry best practices;
2. Supporting regulatory requirements and an evolving regulatory landscape;;
3. Mitigating operational risks and addressing risk governance requirements;
4. Outsourcing IT infrastructure, support and maintenance requirements;
5. Providing material operational efficiencies by reducing manual processing and automating workflow activities;
6. Addressing cyber security risks;

Unparalleled functionality to meet the demands of structured finance participants.

Suitable for All Market Participants

Disruptive technology designed to be cost effective and utilized by all market participants, irrespective of program size. TAO Solutions proprietary software is built using the latest Microsoft and business intelligence technologies, providing an enterprise solution that can be utilized by all market participants. The idea is simple, we have introduced a business model that enables new issuers as well as established market participants access to a tier-1 enterprise platform on a cost effective basis, providing a superior ROI relative to our competitors and internally built solutions. 

Feature Rich to Support Multi-User Requirements 

TAO Solutions software is based upon the latest Microsoft technologies and we are also a Gold Microsoft Certified Partner. Together with our SOC 2 Type 2 and ISO 27001 accreditation, our proprietary software is designed to address a complex, yet evolving marketplace.

The technology introduces the required foundation to support an organization's current workflow activities, including but not limited to: 

1. API connectivity for both internal as well as external data elements
2. Dynamic data interface that can be configured by end-users to support current and future state requirements, including ESG related data elements
3. A powerful business intelligence tool that supports dashboards, analytics and reporting requirements
4. Automation and straight through processing of key operational requirements involving the various end-to-end aspects of securitization, structured finance and covered bond activities
5. Easily configurable transaction modelling capabilities that is based upon excel type safe formulas, not requiring the need for SQL scripting 
6. Transaction cloning from modelling to related reporting (internal and external)
7. Excel plug-in to support simplified reporting configuration and amendments
8. Stringent data security, cyber security protocols to address customer, privacy and regulatory requirements
9. User permissioning, audit logs and scalability to support horizontal and vertical requirements
   

Available via the cloud and on-premises installation. Host with your own infrastructure or use TAO Solutions dedicated hosted environments.

Asset Class Agnostic, Multi-Jurisdictional and Multi-Currency Credentials

TAO Solutions software supports all the major asset classes including residential and commercial mortgages, automobile and equipment finance (loans and leases), dealer floor plans, credit cards, buy-now pay later, personal / student loans and many others.

We also support multi-jurisdictional reporting needs, including regulatory reporting requirements involving SEC, ESMA, Bank of England, Bank of Canada, Reserve Bank of Australia and others. Our solution enables customers to undertake transactions involving multiple jurisdictions. 

We are also able to support varying investor reporting requirements, an example includes HTT (Harmonized Transparency Template) and HDT (Harmonized Disclosure Template) for covered bonds. The HDT is the worldwide standardized, Excel-based form that lending institutions who have been granted the Energy Efficient Mortgage Label use to disclose information on their energy efficient mortgage products.

In addition, our technology supports multi-currency, varying holiday schedules, the new risk free rate methodologies as well as negative interest rates. We also support required hedging instruments including basis, interest rate and currency swaps.

All Transaction Types

TAO Solutions has developed its own proprietary transaction structuring and modelling tool that enables a number of varying transaction types to be created and amended by end users without the need to revert to special coding or SQL scripting. The ‘Engine’ concept provides end users with the flexibility to use the application for a multitude of debt issuance traction types, supporting the ability to allocate underlying loans to a debt issuance activity. Examples include:

• Green / ESG specific transactions (vanilla or structured)
• Multi-tranche revolving warehouse facilities including related reporting and data tapes
• Supports warehousing, ABCP, private whole-loan, central bank liquidity and term funding programs
• Supports new cash rate methodologies, including SOFR, CORRA, ESTR, SONIA, AONIA, etc.
• Supports asset selection based on several factors, including discounted NPV cash flows
• Supports auto finance dealer floor plans
  

End to End Automation

Built as a sophisticated and highly capable structured finance treasury management system, our automated, comprehensive functionality has everything:

• Detailed analytics and dashboards
• Inbound automated data ingestion (including API’s), data validation and normalization
• Use our custom built algorithmic search engine “Opti-Pool” to automate the asset selection process for all funding requirements
• Automated warehouse funding and related top-up / draw-down reporting requirements
• Automated settlement and investor reporting
• Full accounting configuration and financial statement preparation
• Payment amounts and payment instructions
• Bank reconciliations
• Regulatory reporting
• Rating agency reporting template for initial assessment as well as ongoing reporting
• Covered bond valuations and stress testing
• Payment instructions
• Bank reconciliation of both income and expenses
• Regulatory reporting

Proven Implementation Credentials

Our rapid implementation methodology simplifies processes, reduces implementation costs and time

• Since inception, TAO Solutions has never had a failed implementation or sub-optimal outcome for its customers
• Implementations are quoted on a fixed-price basis
• Using our rapid implementation framework, TAO Solutions can accurately predict resourcing and project timing to support our customers ROI expectations
• Hyper-care services are used to manage the go-live and the immediate period thereafter
• Additional resources are available to support on-going business requirements after the successful implementation
• Help-desk support available as required
  

Optimize “Opti-Pool” Funding

Automate asset selection to funding vehicles based upon meeting eligibility criteria / portfolio parameters and cost of funding.

• TAO Solutions algorithmic solver “Opti-Pool” enables the selection of assets for the purpose of funding short (working capital – warehouses) and term (covered, MBS and ABS) programmes
• Enables the selection of assets based on a customers specific requirements including (but not limited to) meeting a transactions eligibility criteria, portfolio parameters and cost of fund
• Enables straight through processes for multi-warehouse customers
• Automates funding requests, seller notices specific for each funder
• Portfolio optimization availability including rebalancing and substitution between funding vehicles
• Create hypothetical pools to review impact on excess spread and cost of funds
  

Hosted Software as a Service

No additional IT infrastructure needed, we do it all with high availability, disaster recovery and IT maintenance included.

• SecureHub has multiple delivery methods, supporting hosted and on-premise installations
• Our SaaS solution is the most widely adopted with TAO’s SOC 2 Type 2 accreditation and ISO 27001 certification
• TAO Solutions utilizes data centres for its cloud platform to deliver in a secure, dedicated tenant environment
• Our hosted solution has comprehensive local infrastructure ensuring high availability of the solution and fast local access times
• All data is domiciled within your preferred requirements, staying compliant with privacy laws and regulations

Technology that Enables Best Practices

Now more than ever, organizations are subject to heightened regulatory, board and key stakeholder oversight. At TAO Solutions, our technology enables best-practices to be introduced, allowing our customers to focus on other value-creating activities.

1. Streamline business operations
2. Conform with regulatory and industry requirements
3. Create real value involving regular business activities
4. Enhance ROI and other key performance indicators