Actualizing Current Market Trends
On this page you will find various papers to address current markets trends.
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MARCH 2026 NACHA RULE AMENDMENTS FACTSHEETIn the U.S., ACHs remain one of the most cost-effective modes of payment, with billions of transactions processed per year. ACHs are administered by and routed through the NACHA network, where participating corporates and banks send and receive funds daily. Though there are many forms of ACHs: Debits, Credits, CCD, PPD, CTX, etc. – all of these are impacted by updated requirements which are enforced because of changing demand, regulations, and need to combat new fraud schemes.
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OPTIMIZING CASH INFLOW PROCESSES WITH ERP-TMS-BANK INTEGRATIONAs a treasurer in 2025, you understand how critical the interplay of business process workflows between diverse software systems is — where configuration, validation, reconciliation, and reporting of cash inflows occur across multiple teams in isolation.
Inefficient interoperability of the systems these teams use can result in missing balance data, inaccurate forecasting, and avoidable events like funding shortfalls - particularly as business complexity grows. |
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ENTERPRISE DATA STRATEGY WITHIN TREASURYHow Treasury Can Partner with Data Teams to Streamline Workflows and Reporting
The corporate treasury function relies on data inputs from multiple source systems including - but not limited to – treasury management systems, banks, FX trading platforms, ERPs, AR&AP solutions, and hedging platforms. These systems should work in concert to support cash management, risk assessment, strategic decision making, and operational optimization – and though they individually contribute keyfunctionalities to this end - they necessarily form data silos in your organization where their core data is often misaligned, and useful information trapped. |
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TRANSFORM TEAM CHALLENGES INTO HOME RUNSPeople make the world go round. We are all different, yet collectively we make up teams, families, friend groups, and organizations. How we collaborate determines if you strike out, make it to first base, or hit a home run. Everyone aspires to hit the ball out of the park, but challenges along the way are inevitable. The way you and your team handle these challenges can make a significant difference.
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CUSTOM BANK CONNECTIVITY SOLUTIONSUnlock Complete Bank Visibility – Even Without Standard Connectivity
The Challenge Some banks are unable to support SFTP, SWIFT, or TMS-compatible statements, resulting in a lack of cash visibility and an increase in manual work. Our Solution Actualize Consulting ensures uninterrupted bank visibility with our user-friendly solutions. We create custom connectors that reside on your tech infrastructure to securely transform, transmit, and automate bank data into your TMS, making the process seamless and easy to manage. |
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MODERNIZATION IN AGRICULTURAL FINANCE
What is the Farm Credit System?
The Farm Credit System (FCS) plays a vital role in supporting the financial stability and growth of rural America. As a government-sponsored enterprise (GSE), the system provides reliable and consistent access to credit for farmers, ranchers, agribusinesses, and rural infrastructure providers, particularly in areas underserved by traditional lenders. The system is a network of federally chartered cooperatives that is owned by the customers it serves. |
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KYRIBA INTEGRATION WITH POWER BIREAL-TIME DATA. SMARTER DECISIONS. FUTURE-PROOF REPORTING.
Organizations today demand faster insights and seamless integration across treasury, finance, and enterprise systems. Actualize Consulting empowers your team by connecting Kyriba with Microsoft Power BI — unlocking real-time dashboards, automated reporting, and future-ready API connectivity. Our solution eliminates delays and manual reporting by leveraging Kyriba’s OpenAPI, allowing treasury data to flow securely into Power BI dashboards in minutes. |
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TREASURY MANAGEMENT SYSTEMSYour TMS should be more than a tool — it should be a driver of insight, automation, and agility. If it’s not, you may be working harder than you should.
Treasury teams invest in a Treasury Management System (TMS) to reduce complexity, increase visibility, and centralize and concentrate operations. But what happens when the very system meant to streamline operations becomes the bottleneck? If your TMS feels like more of a burden than a benefit, you’re not alone. In a rapidly evolving landscape of technology, regulation, and organizational expectations, many companies find their TMS isn’t keeping pace. |
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CASH FLOW FORECASTINGCash flow forecasting is a critical pillar of Treasury management in today’s turbulent geopolitical and financial environment.
Accurate cash flow forecasting elevates financial decision making, optimizes cash availability, and creates financial agility. Getting it right builds Treasury credibility and positions the team as a sought-after business partner. |
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WHAT IS ISO 20022General Information
ISO 20022 is an international standard for electronic data interchange between financial institutions and corporations. It provides a common platform for the development of messages using: › A consistent data dictionary › A model-driven approach to message creation › An XML (or sometimes JSON) syntax for actual message formatting. It aims to replace multiple existing legacy message standards (like SWIFT MT, BAI, ISOBEL etc.) with a unified, flexible framework. |
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IS IN-HOUSE BANKING RIGHT FOR YOUR ORGANIZATION?What is an In-House Bank?
› An in-house bank provides an internal current account structure and other services to group entities, which replicate the services typically provided by an external bank. › In-house banks provide services similar to those of a commercial bank, such as offering payment processing, liquidity management and collection functions to various subsidiaries of large global corporations. |
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ENSURING COMPLIANCE AND MITIGATING RISK IN MORTGAGE SERVICINGIn today’s increasingly regulated environment, organizations face the daunting challenge of staying compliant with an ever-evolving landscape of regulatory requirements. MESH Auditor emerges as a vital tool that addresses this challenge and empowers organizations to maintain complete compliance while minimizing potential risks.
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ENCOURAGE TEAM CONNECTION
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PREPARING FOR ISO 20022 ADOPTION AND MIGRATIONISO 20022 is an XML-based framework designed for the exchange of financial information. Within corporate treasury, it is poised to become the global standard for bank statements, payments, and payment reporting messages. Within 5 years, SWIFT estimates that 80% of high-value payments by volume and 90% by value will use the new standard.
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LEVERAGING MESH AUDITOR FOR WHOLE LOAN SALE PORTFOLIO COMPLIANCEWhen considering acquiring a portfolio through a Whole Loan Sale (WLS), it is essential for purchasers to conduct a thorough quality review of the underlying assets. This ensures compliance with various regulatory, agency, and investor requirements. Effective pre-purchase and post-purchase due diligence are critical to the success of the transaction and the long-term sustainability of the acquired portfolio.
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MORTGAGE SERVICING RIGHTS: SPECIFIC COMPLIANCE CHALLENGES AND SOLUTIONSMortgage Servicing Rights (MSRs) present unique compliance challenges due to the intricate nature of the mortgage servicing industry. With increasing regulatory oversight and evolving consumer protection laws, mortgage servicers must adopt comprehensive compliance programs. MESH Auditor offers an innovative automated compliance solution designed to address these challenges effectively.
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Bank Relationship Management WebinarIn today’s complex financial landscape, clarity is paramount. We invite you to watch our recent webinar featuring industry veterans Moe Stoltzman, Manager at Actualize Consulting, and Keith Raymond, Chief Revenue Officer at Financial Sciences Corporation. Their engaging conversation explores the intricacies of effective bank relationship management, setting essential goals for managing bank relationships, navigating common challenges, and leveraging technology and advisory services for optimal outcomes.
Listen in to gain insights that will help you elevate your organization’s banking strategy through a holistic, individualized approach to bank relationship management. |
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WHY BUSINESSES ARE BUILDING
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APIS IN TREASURY MANAGEMENTThe financial sector has undergone a transformative shift towards API integration in recent years, particularly within treasury management. APIs (Application Programming Interfaces) have become essential for modernizing and streamlining financial operations, offering a standardized approach to data exchange and communication between disparate systems and applications.
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TMS AND ERP BEST PRACTICES FOR TREASURYWhen transitioning to or upgrading Enterprise Resource Planning (ERP), companies should involve the Treasury group early on, look at its technology stack, and approach the strategy to elevate its processes and give the business an architecture that will reduce risk, increase automation and straight-through processes, and eliminate redundant data entry.
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INTRODUCTION TO ISO 20022What is it?
A global standard for data exchange between financial institutions Transition to modern XML message formats for bank statements, payments and payment status reporting Why the focus? Consistent standards and communication protocols don’t exist for financial transactions Inconsistency creates a variety of challenges and inefficiencies Quality and security of financial data is of increasing importance |
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MANAGING INTERCOMPANY TRANSACTIONSIn treasury management, the term intercompany refers to financial transactions or activities that occur between different entities within the same corporate group. These transactions can include intercompany loans, transfers of funds, investments, trades (sales of service or products), or any other financial arrangements between subsidiaries, parent companies, or sister companies within the same corporate structure.
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MANAGING CASH WITH EFFECTIVE LIQUIDITY PLANNINGTreasurers are tasked with providing enough capital for operations and expenses while minimizing borrowing expenses, maximizing investment returns, and reducing financial risks. Effective liquidity management is essential to mitigate financial risks such as unexpected cash flow fluctuations or liquidity issues while efficiently managing cash and debt balances.
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TREASURY PAYMENTS RISK MANAGEMENTHistorically, risk management in payments focused primarily on ensuring accuracy and maintaining operational continuity. While these remain pertinent factors, organizations must also recognize that the landscape has evolved with new risks from the rise of digital transactions, increased cyber threats, and more complex global payments. A recent survey by the Association for Financial Professionals estimates that 65% of organizations were victims of payment fraud attacks or attempts last year and that almost half of those affected were unable to recoup lost funds.
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USING TECHNOLOGY TO ADVANCE TREASURY OPERATIONSTechnology increases the opportunity for treasury centralization, standardization and enables treasurers to demonstrate control over activities and perform tasks more effectively. Software companies continue to innovate and deploy SaaS technology that helps automate and simplify the various processes corporate treasury supports. Automation streamlines processes, improves accuracy and traceability in calculations and provides a more transparent and up-to-date view of the company’s financial situation. We see the benefits companies reap from leveraging Treasury Management Systems (TMS) and other software to manage liquidity and risk functions. Additionally, the use of APIs and AI have brought forth more capabilities, such as real-time access to key data across organizations and financial institutions and analytics that until now were difficult to develop with existing tools.
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HOW TO RETAIN TREASURY TALENTTalent retention is a universal goal for any firm. Retention is especially vital to a successful Treasury team as the talent pool is not as deep as other industries, while the breadth of unique knowledge and experience required is extensive. We are seeing turnover at all levels within Treasury teams, from senior management to the analyst level, and experienced Treasury professionals are always in demand. When Actualize Consulting works with Treasury departments, we share our experiences to reduce employee turnover and retain top talent.
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ISO 20022 ADOPTIONFor corporates these days executing a holistic payments strategy can feel like a never ending project in itself. Beyond the considerations of strategic banking partners, introduction of new API functionality, execution of fraud and sanction screening, it seems nothing remains the same for long. Perhaps the most significant of all recent developments is the ongoing adoption of a (some would say long awaited…) global standard for exchanging financial information – referred to as ISO 20022.
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BUSINESS CONTINUITY PLAN FOR TREASURY – BEST IN CLASSAs we adjust to extended periods of remote working, clients are realizing how effort previously expended in creating a business continuity plan (BCP) is paying back in spades. Good for them. And it’s true having a plan in place to accommodate the loss of access to the main office is one of the critical considerations in formulating an effective BCP plan. A full BCP plan needs to cover much more than planning for remote working. Starting to build out a BCP can be daunting, so we present an approach to defining what a BCP plan should cover for a specific company and how to evaluate and prioritize mitigations and recovery from those events, should they occur. Click here or the button below to download the PDF.
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COLLABORATION TOOLS TO AID IN REMOTE WORKINGDue to current circumstances, many organizations have found themselves venturing into the new space of remote working. While most companies have their existing suite of collaboration tools to enable flexibility on location, it might not be enough infrastructure to ease the growing pains of a full work-from-home transition. At Actualize, we were an early adopter of Cloud Technology to support our internal team that has worked remotely for over 15 years, so we were prepared and seasoned for this shift. Using our experience through the years, these are the things we have found helpful to work remotely, efficiently, and with sufficient controls in place. As we have discovered, working remotely does not mean you have to sacrifice collaboration for flexibility; you just need to be a bit more creative. Click here or the button below to download the PDF.
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LIBOR TRANSITIONThe LIBOR transition date of June 2021 is now less than a year away. Almost every conference has a session on the topic and at Actualize we see a marked increase in the request for information and advice from our clients. In this overview we explain the issue at hand, why there is a meaningful financial impact looming, and an outline for how to get practically started with an all-encompassing transition plan. Click here or the button below to download the PDF.
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