Collateral and liquidity management for insurance firms

Maximise collateral efficiency, liquidity and balance sheet performance

Across portfolios, entities and custodians

Insurance firms need to balance investment returns with policyholder liabilities, stringent capital rules and growing reporting demands. Collateral management sits at the centre of this challenge, shaping liquidity, solvency, balance sheet efficiency and operational resilience. However, many firms still rely on siloed teams, manual processes and fragmented infrastructure across treasury, investments, operations and risk.

CloudMargin replaces spreadsheets and legacy technology systems with:

One intuitive, cloud-native platform, streamlining collateral and liquidity workflows across portfolios, custodians, trusts, state deposits and bespoke agreements, delivering real-time visibility and control across teams

Cost efficient, modern collateral operations across the insurance industry, from global insurers and annuity providers, to regional and specialist insurers — maximising capital efficiency today, while building resilience for tomorrow.

The challenge of liability-driven investing and operational complexity

Insurance firms must maintain liquidity to meet claims and policyholder obligations while optimising capital, managing complex eligibility rules and responding to evolving regulations. Yet collateral data is often delayed, siloed or managed manually across multiple teams and external parties.

Collateral and liquidity drag on performance
Inventory silos trap high-quality assets across portfolios, trusts, state deposits and custodians, reducing mobility of collateral, constraining ALM flexibility and limiting capital efficiency. Whilst inefficient trading and latent views of margin impact create funding uncertainty and increased margin obligations.

‍Operational fragility across bespoke relationships
‍Fragmented workflows increase risk across complex collateral relationships, including OTC, cleared OTC, ETD, securities finance and bespoke structures, creating operational burden and settlement delays.

Fragmented external management and reporting
Insurance firms often manage multiple-party engagement across custodians, trustees, FHLBs and state or government bodies, with communication still handled manually through email, reducing transparency and slowing response times.

‍Regulatory, solvency and policyholder pressures
Firms face stringent capital and reporting requirements, including Solvency II, uncleared margin rules and IFRS expectations, while needing clear oversight of encumbered assets, exposures, collateral usage and claims liquidity.

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The CloudMargin advantage

Trusted across the world by insurance firms and annuity providers, CloudMargin centralises all collateral processes, liquidity and inventory management through one intuitive platform to support liability-driven investment strategies, capital efficiency and operational resilience.

Modern, cloud-native platform

Dynamic collateral optimisation

Real-time visibility and attribution

Automated, flexible reporting

Key benefits for insurance firms

Real-time inventory visibility for maximised capital efficiency
Strengthen capital efficiency and liquidity management through intelligent, centralised real-time inventory and insights, enabling optimised asset allocation, improved use of unencumbered assets and reduced collateral drag across the balance sheet

Collateral resilience and dynamic decision-making
Drive resilience through dynamic stress-testing, cash flow forecasting and intuitive, data-driven decision-making with real-time insights across the collateral lifecycle

Flexible, automated reporting
Meet stakeholder reporting needs and maintain regulatory compliance, including Solvency II, IFRS, PRA expectations and uncleared margin rules, with real-time, fully configurable reporting and comprehensive audit trails

Simplified connectivity and risk mitigation
Connect seamlessly with clearing brokers, FCMs, tri-party agents, custodians and other market participants while minimising counterparty credit risk through STP, dispute tracking and trend analysis

Intelligent collateral workflow automation
Remove operational and collateral inefficiencies across teams, custodians, counterparties and agreements with end-to-end automation across the collateral lifecycle

Precise margin analytics and cost management
Comprehensive margin analytics help treasury, risk and investment teams anticipate margin impacts earlier and allocate balance sheet resources efficiently

Settlement, liquidity and balance sheet optimisation
Streamline complex settlement instructions and processes across custodians, trusts, state deposits and external parties through automated workflows, enabling on-time, accurate payments and stronger liquidity to meet policyholder liabilities

Cloud-native scale and efficiency
Reduce technology overhead with a single-instance, auto-scaling cloud-native platform, backed by AWS infrastructure, market leading RTO and RPO, and flexible ETL and API connectivity

Collateral management for all insurance firms

CloudMargin’s award-winning platform scales seamlessly across firm sizes and operating models, giving every insurance firm – from global insurers and annuity providers, to regional and specialist providers – real-time control, streamlined workflows, and collateral and liquidity optimisation.

Global insurers and annuity providers

Standardised, real-time workflows across regions, entities, portfolios and custodians, supporting regulatory compliance and complex group structures with central oversight and local control

Regional insurers

Collateral and liquidity optimisation with unified dashboards across treasury, investments, risk and operations, with functional controls allocated to specific teams and business units

Specialist insurers

Flexible automation and connectivity for bespoke collateral agreements, reporting requirements and niche operating models, without the need for large, expert collateral teams

Factsheet

Download the Factsheet to learn how CloudMargin helps insurance firms solve collateral, liquidity and operational challenges to drive balance sheet performance

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