Intermoney Consultoría

Intermoney Consultoría is a specialist consultancy firm that employs a high-value team to provide solutions built around three cornerstones: capital markets, risk and regulation, and compliance.

Intermoney also renders macroeconomic research services, and is a standard-bearer both in Spain and abroad.

Our consultancy has a specialist team with 360º knowledge in the following fields:

• Regulatory Projects: Our hallmark is our experience in accompanying companies in the process of adapting to new regulatory requirements, ranging from designing the master plan to support in implementation.
• Capital Markets Projects:This is the result of our client-consultancy vision, which enables us to offer value and expand the market with specialist profiles.
• Risk Projects: We have a highly specialised team in credit, market and counterparty risk, risk management, operational risk and ESG.
• Regulatory Compliance Projects: Specialised advice on the cornerstones of regulatory compliance, from the development of Regulatory Assessment to support in procedures.
• Development and installation of integrated systemsto measure and manage financial profitability and risk (liquidity, interest rate, operational, credit and market) adapting them to the new regulatory requirements.
• Strategic adviceto our clients.

Products and services

• In Capital Marketswe offer front-to-back projects, migrations and implementation of front office and FRTB systems, implementations and functional and technical support of back office tools and regulatory projects (ISO 20022, IFRS9, IFRS13, CSDR, MiFID II/IIII, EMIR Refit, SFTR, SFDR, XVAS, Initial Margin, etc.).
• In Riskand Regulationwe offer projects in both financial risks (credit risk, liquidity risk, interest-rate risk and CSRRBB, counterparty risk and market risk) and non-financial risks (ESG, operational risk, reputational risk and ICT risks).
• In Regulatory Compliancewe offer Regulatory Assessment projects and development of policies, procedures and management systems in environments including markets and conduct, AML/CFT, External Fraud, Internal Fraud and Criminal Risk.
• In the three cornerstonesmentioned in the previous points, we offer the following services:
  • Strategic advice to financial institutions
  • Adaptation to regulatory changes and master plans
  • Diagnosis, organisation and procedures
  • Development of handbooks and limit setting
  • Development and implementation of tools
  • Calculation of capital consumption for the various risks
  • Methodological and quantitative developments
  • Advice to Asset and Liabilities Committees in financial institutions
  • Collaboration and advice on the three lines of defence

Macroeconomic research

The analysis department at Intermoney is a standard bearer in financial and economic opinion at both national and international level. In this connection, it contributes with its forecasts to the panel of experts of the ECB and to Bloomberg with regard to European economic affairs and to the Funcas panel on the Spanish economy.

Products and services

• Economic and market analysis
  Daily reports
  Weekly reports
• Banking industry analysis
• Economic and financial analysis and advisory services for the public sector:
• Diagnosis of the budgetary and financial situation
• Strategies to optimise the cost of debt for institutions

Specialist training

The goal of Intermoney Formación is to develop a new model of specialised training in the financial sector, both in particular, and in finance, in general.

This dual perspective has given us a reputation in the field of training, as is attested to by our relationship with our clients.

Depending on each client’s objectives, needs and possibilities, Intermoney designs the specific training action to suit them.

The most common subjects are about:

• Economic and financial context
• Financial management and information systems
• Financial risks: Regulation, methodology
• Executive programmes