Zanders

Big welcome to Mohit , who's joining Zanders as the Service Delivery Manager in our growing team in India! Mohit brings 19 years of work experience with deep expertise in Wallstreet Suite (an enterprise treasury management software for the world’s largest and most complex organizations). Welcome aboard! 🚀 #Zanders #WelcomeToTheTeam #WallstreetSuite

🔍 Is your cash pool leader a service provider, or a risk taker? It's one of the most overlooked questions in intragroup financing. And it directly drives the remuneration the CPL can defend at arm's length. OECD Chapter X sets the bar: function, risk, and substance determine the answer. In practice: ✅ A routine CPL (limited risk, no decision making capacity) earns a routine service fee. ✅ An entrepreneurial CPL (taking real credit, FX or liquidity risk) can earn a share of cash pool synergies. Most groups sit somewhere in between. Many label their CPL as "routine" but allocate it profits that look entrepreneurial. That mismatch is exactly what tax authorities are challenging. 💡 What we see: Audit pressure on CPL characterisation has intensified. Functional analysis is no longer a quick desktop exercise. It needs documented evidence of who actually bears the risks. ⚙️ Where automation helps: The Zanders Transfer Pricing Solution structures the CPL functional analysis, calculates cash pool synergies, and produces benefit allocations consistent with OECD Chapter X. Documentation ready for audit, all in one workflow. Curious how your CPL stacks up? Reach out or leave a comment.

Our latest Zanders whitepaper on Trends in Corporate Treasury is live 🚀 . In conversations across the industry, from conferences to client engagements, a few themes keep surfacing: how to navigate volatility and uncertainty, how to deploy technology with real purpose, and how to ensure treasury is positioned as a strategic function rather than a reactive one. Our newly published Treasury Trends 2026 whitepaper addresses all of these directly. A few things I believe will shape conversations across the industry: #Digitalization , #tokenization , and #AI are each reshaping the #treasury function, but their real power comes when they work together as a connected system, not as isolated initiatives. The Treasury Technology Flywheel is the destination: a state where digitalization, tokenization, and AI reinforce each other. The decisions made today determine who gets there first. I encourage you to download the whitepaper and if you'd like to discuss any of the themes, feel free to reach out directly. Download it here: https://lnkd.in/eA2bf-DM

I am proud to welcome Mehmet Kutluay, PhD to Zanders ! Mehmet brings a strong track record across data, analytics, and financial crime prevention, with a focus on building and deploying effective, sustainable solutions. His experience spans advanced analytics, anomaly detection, and broader data-driven approaches to solving complex challenges. Beyond his technical expertise, Mehmet has also operated as a Head of Data, where he led and connected capabilities across data analytics and data engineering. He is particularly strong in bringing together different stakeholders - from model validation and KYC to data engineering - ensuring that solutions are not only technically robust, but also scalable and embedded in the organisation. As financial institutions continue to evolve their data capabilities, this kind of end-to-end, collaborative approach is critical. Looking ahead, this also creates a strong foundation for exploring emerging areas such as GenAI in a pragmatic and value-driven way. If you are looking to strengthen your data and FCP capabilities through well-integrated and impactful solutions, feel free to reach out to Mehmet or myself. Welcome to the team!

FINMA's latest guidance (02/2026) on digital fraud risks contains a telling observation about transaction monitoring at Swiss banks. Based on a survey of 19 institutions, FINMA concludes that most rely on fixed absolute thresholds, suggesting "relatively unsophisticated systems" that make it "likely to be correspondingly difficult" to detect digital fraud. This is a clear regulatory signal. The underlying data makes it plain: KYC data is rarely integrated into monitoring, scenario-based detection is largely absent, and internal alert-to-MROS conversion rates vary between 12% and 78% across institutions. A tenfold difference in detection effectiveness is hard to explain away. The tools to close this gap exist today: - AI-powered detection models can move well beyond static thresholds; incorporating client risk profiles, behavioural baselines and fraud typology scenarios for more precise, context-aware alerts. - Generative AI is further transforming alert handling, reducing investigation time significantly. - In our experience at Zanders, the application of (Gen)AI in financial crime prevention has proven to make institutions more efficient and effective in their fight against financial economic crime. Curious how we have approached this with other banks? Feel free to reach out. #FinancialCrime #AML #AI #TransactionMonitoring #FINMA #RegTech #Zanders