Our Technology and Services
It's the combination of our market leading technology, IT infrastructure and investment administration services that make FNZ's solutions unique. Explore our range of services below, which are used by many of the largest financial institutions around the world.
Modular services, superior solutions
24x7 security, availability, performance and scalability
Local services provided from in-country or in-region data centres
Data-driven configuration layer allows for rapid client tailoring
OpenPlatform API enabled integration with third parties and other FNZ services
Direct to Consumer platform
Integrating digital wealth into online banking
FNZ enables a digital self-service wealth management platform for banking customers. This can be seamlessly integrated into existing online banking services, both at the front-end to provide a single customer view, and at the back-end to enable integrated payments and accounts.
Multi-channel wealth services can be configured for different client segments, including execution-only, guided advice and discretionary solutions, automatically tailoring the investment proposition accordingly across all asset and investment options.
Fully online self-service client account, portfolio and transaction management is combined with portfolio valuation, asset allocation and performance reporting to provide investors with real-time information and control over their portfolios. A goal-based digital advice framework enables investors to directly access financial advice and guidance and be algorithmically matched to investment solutions.
Financial Adviser platform
Building deeper relationships with IFAs
FNZ provides a comprehensive solution for life insurers to support IFAs in managing all of their client wealth management businesses. IFAs are put fully in control of their business via 100% digital self-service including client on-boarding, servicing, investment management and reporting.
Client-centric wealth management is enabled across all tax wrappers (including superannuation, pensions, savings and insurance products in a range of different markets) and open architecture investments (multi-currency funds, equities, cash, deposits and bonds). All underlying trading, settlement and asset servicing is seamlessly managed by FNZ on behalf of the life insurer, the IFA and their client.
Sophisticated household, portfolio, account, sub-account reporting is available on demand including valuations, performance attributions, asset and sector analysis. Thereby enabling IFAs to provide a high quality, insightful wealth management service to their clients.
Creating tailored solutions for clients
FNZ provides life insurers with a platform to construct solutions to meet a wide range of individual client needs at different life stages, and automatically deploys these across client accounts and policies.
Multi-layered solutions can be constructed as models using open architecture investment building blocks, combined with hedging and insurance products to manage investment risk, longevity risk and other risk factors. These solutions are digitally maintained across millions of underlying clients, algorithmically accounting for client constraints, tax optimisation and personal risk preferences.
Engaging with clients directly
FNZ provides a digital platform to enable life insurers to connect directly with their clients and policy holders. Single sign-on services enable a fully integrated single customer view across all products, both wealth and insurance.
Fully online self-service client accounts, portfolio and transaction management is combined with portfolio valuation, asset allocation and performance reporting to provide investors with real-time information and control over their portfolios. A goal-based digital advice framework enables investors to directly access financial advice and guidance and be algorithmically matched to investment solutions.
Wealth and Private Banking platform
FNZ provides an integrated front and back office solution for managing every stage of a banker’s relationship with high-net worth clients and households. This includes on-boarding and account opening, constructing wealth management strategy and mandates across both assets and liabilities.
These can be implemented across multiple relationships that span multiple jurisdictions.
The platform provides sophisticated support for creating a full range of on-balance sheet products (deposits and loans) and managing associated treasury functions including hedging and risk management.
Full straight-through-processing and process automation across front-office, back-office and all market counterparties ensures highly accurate and efficient operations and risk management, managed by FNZ as an outsourced service.
A range of high quality and sophisticated client reporting aligned with the demanding requirements of high-net-worth households is available as standard, and can also be rapidly tailored to specific requirements.
Seamless transition between in-person and digital client relationships
Client relationships can be enhanced with the introduction of interactive digital services across multiple devices, spanning desktop and mobile. These digital services are designed to enhance the personal nature of private banking relationships. A fully configurable access model can be tailored to support the degree of control and information enabled for different clients, depending on the relationship. Tailored alerts and notifications ensure that information is pushed to clients as and when required. Therefore, clients are neither overwhelmed with too much information nor left feeling out of control with too little.
FNZ also provides secure but open access to all data and functionality via the FNZ Open Platform API, enabling unconstrained integration of third-party digital services.
FNZ provides a market leading digital adviser proposition that delivers individually optimised investment portfolios, based on multiple goals, risk tolerance and investment preferences (e.g., environmental impact).
Our digital adviser solution continuously monitors investment portfolios to ensure financial goals remain on track and can suggest an alternative investment amount, or goal date, or withdrawal amount to get goals back on track if performance slips.
Workplace Pension Platform
FNZ provide fully integrated retirement savings solutions designed to support the needs of employees, employers, benefit consultancies, advisers, product providers, investment advisers and trustees throughout the lifecycle of the world’s workforce.
Our solutions provide comprehensive scalability and system performance to ensure that the unique demands of workplace savings run smoothly 24/7 and allow bulk processing of new joiners, member updates and payroll contributions.
Combined with extensive lifestyle portfolio management tools, our solutions can be easily deployed to meet both regulatory and member self-directed aspirations within the parameters set by product providers, investment advisers and trustees.
Governance and oversight needs are met through a flexible suite of reporting options deployed to allow best in class member, trustee and employer reporting in line with local jurisdiction regulations.
Digital journeys throughout for employers, trustees and members
Member engagement can be enhanced with the introduction of interactive digital services across multiple devices, spanning desktop and mobile. These digital services are designed to enhance the personal nature of workplace savings relationships.
A fully configurable access model can be tailored to support the degree of control and information enabled for different roles, depending on the relationship. Tailored alerts and notifications ensure that information is pushed to members as and when required, enhancing the tools for employers and trustees to meet evolving regulations in the most supportive manner for employees.
Seamless transfer agency solution with real-time oversight of multiple jurisdictions through one database
FNZ provides an end-to-end transfer agency service for the global fund manager enabling real-time fund set-up, maintenance and dealing in multiple currencies and jurisdictions.
Underpinned by state-of-the-art platform technology, our transfer agency solution facilitates 24x7 electronic interaction with clients and counterparties, real-time oversight and fund reporting and guaranteed regulatory compliance at no additional cost.
Highly automated services lower operating cost and risk whilst also separating the servicing model, cost structure and risk associated with institutional (nominee) investors from retail investors (where they remain direct clients of the asset manager).
Blockchain (DLT technology)
We offer solutions that leverage blockchain technology to replace the thousands of copies of transaction and holdings that impact the managed funds industry, with a single, secure, verifiable source of truth, universally accessible by all parties. This vastly reduces cost, complexity and risk in back-office operations, that is ultimately borne by retail investors.
Our blockchain solution uniquely creates the main legal register for the fund and all associated transactions directly into blockchain, making it simultaneously accessible to platforms, managers, transfer agents, fund accountants and custodians. It eliminates the effort of reconciliations, enables real-time “delivery vs payment” settlement of trades and real-time fund transfers.
FNZ understands that in a marketplace like superannuation, technology needs to support the needs of today and the future. FNZ Super is a single flexible administration solution combining products and insurance rules, fees, investments, tax and reporting all through an online platform accessible by administrators, employers, advisers and members.
Flexible, Personalised, Digital Solution
Whether your requirements are accumulation, retirement solutions, insurance or all three, FNZ Super supports accumulation and pension for both DB and DC providing the flexibility required to meet the needs of members throughout the life stages, seamlessly transitioning into retirement.
All sizes of Industry, Corporate & Public Sector super funds can be administered with a wide range of configuration options, tailoring to the needs of your business. With a simple and intuitive interface transactions are carried out via straight through processing and with the integrated security model, you control the online access provided.
Self Service Features of FNZ Super allow the employer, adviser, member and administrator to self-serve. From creation and maintenance of super guarantee contributions including bulk transactions, member information and investment transactions.
Configurable Reporting Suite
A comprehensive range of reports are available ranging from administrator reports, annual reviews investment performance and tax assessments. Certified compliance with MySuper, FOFA and evolving SuperStream, FNZ Super incorporates the business, tax and regulatory framework required to keep your business moving.