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Regualatory Compliance

Regulatory Compliance

Regulatory compliance is an organization's adherence to laws, regulations, guidelines and specifications relevant to its business. Violations of regulatory compliance regulations often result in legal punishment, including federal fines.

An ever-increasing number of digital assets that your organization retains for active reference are subject to regulatory compliance. vertiv provides your organization with regulatory compliance solutions that can mitigate risk, simplify data management, and benefit your bottom line.

Regulatory Reporting

Rapidly changing regulatory requirements, limitation of organically grown systems and need for cross-functional warrants a configurable, rule-driven system with extensive auditing support


  • Strong Finance Rule Manager for data transformations, two-step processing approach for efficient performance and avoiding data trucking
  • Robust datamodel to capture contract data
  • Real-time drill back from reports to contract level data
  • Support for stress testing and what-if analysis
  • Complete out-of-the-box reports metadata for major regulators, allowing rule-cell association and giving high auditing control
  • Inbuilt reconciliation engine to find mismatches
  • Robust Data Integrator to consolidate source data from disparate systems
  • Solution approach delivers data model and business rules out-of-the-box
  • XBRL support and other administrative utilities

Business Challenge

Our Solution

Basel II / III

Organizations that lack sufficient time for value-added activities often exhibit signs such as requiring more than five days to close the books, using a spreadsheet-based financial consolidation process, needing many manual journal entries or other manual activities to close the books, lack of capacity to analyze business drivers and identify root causes, and a current or recent merger, acquisition, spin-off or sale.

vertiv's Finance Process Optimization & Integration Suite can help companies shrink transaction processing costs up to 30 percent, reduce error rates by up to 90 percent and compress cycle times by up to 70 percent. With our help, our clients have been able achieve these benefits through targeted process improvement, creating shared services and outsourcing non-core transactions where appropriate.

We help clients implement standardization across business unit functions in processing information, submitting local ledgers and posting closing entries in order to lower exception rates and the level of rework needed. Our Finance Process Optimization & Integration team develops a chart of accounting and reporting structures to facilitate capturing and reporting of appropriate information for all stakeholders, which enables the organization to meet management's demand for analytical information without a high level of extra effort

Our Solution:

Comprehensive Capital Analysis and Review (CCAR)& Capital Plan Review (CapPR):

The CCAR is a test of the banks’ ability to see themselves through a 25-month devastating economic and financial crisis without experiencing a fall in Tier 1 commom Capital to below 5% of assets. To help project Capital Position, vertiv offers CCAR solution to banks to estimate the economic impacts to PPNR and Stress Losses under the required hypothetical stressed scenarios, including the Supervisory Severely Adverse Scenario.

CCAR Solution Offerings

CCAR Reporting module is designed to address primary challenges for FRY 14 report. Designed to work at contract level data, the suite offers

  • Wholesale and Retail data collection/consolidation
  • Configurable Rules and Formulae
  • Trace-back/drill down from reports to transaction data
  • Data Lineage Tracking
  • PPNR Calculations
  • Edit Checks module
  • Concentration Risk
  • Stress Testing and What-if analysis
  • Stress Testing and What-if analysis
  • Trade level and Top side adjustments Features
  • Report generation, approval workflow mechanism

vertiv's CCAR Solution Features

Report Coverage

FRY 14 M

  • Family Residential Loan
  • Home Equity Loan
  • Address Matching Loan
  • Domestic Credit Card

FRY 14 Q


  • Retail - Auto, Credit Card, Home Equity, Mortgage, Student loan
  • Wholesale - Corporate Loan, Commercial Real Estate
  • Securities
  • Trading

FRY 14 A

  • Counterparty Schedule
  • Regulatory Capital - Instruments, Transitions
  • Scenario
  • Summary


Business/Organization, Legal Entity, Cost Centre, Business Sector, Accounting book , Trading Book, Customer Data, Customer Type/Code, Geography, Credit Rating, Internal Reference Data, Product Type, Source Product Code, Source System, Industry sector codes and others

Stress Testing Support

Extensive Stress tests support to

  • Identify sources of potential liquidity strain
  • Ensure liquidity exposures are within limit
  • Identify impact on pricing assumptions

Stress test consideration parameters

  • Short term and protracted scenarios
  • Company specific and market wide scenarios
  • Combination of two above

Data Management

  • Centralized Reference Data
  • Strong and robust data model - End to end functionality
  • Complete transaction data with no loss of granularity – Transparency issue
  • Unification – Bringing data from various sources together
  • Complete historical and market data to support risk calculation – High volume/Scalability
  • Data archival and retrieval

Traceability and Lineage

  • Transformation path from source to target is always maintained
  • Intermediate data values are maintained throughout transformation cycle
  • Ensures complete traceability and lineage for reconciliation and auditing requirements

Adjustment Module

  • Adjustments can be made at various stages of report generation
  • Adjustments can be applied to other reports
  • Adjustments are version controlled and audit trail generated
  • Updating transactions supported for privileged users

Edit Checks

  • Data Validation and quality check
  • Intra report cross reference check
  • Across report cross reference check


Dodd Frank Act Stress Test (DFAST): On June 23, 2016, the Federal Reserve released the Dodd-Frank Act Stress Tests (DFAST) results. These results measure the potential impact of adverse or severely adverse economic conditions on the performance and condition of the 33 banks subject to the rule.

Our key takeaways from the DFAST severely adverse scenario results include:

  • All firms exceeded minimum capital standards under stress. Despite a somewhat more stressful severely adverse scenario, each firm exceeded the minimum required capital for the second year in a row.
  • The impact of the severely adverse stress scenario was split, with a lesser impact on trading banks and harsher result for many traditional lenders. The scenario’s more severe traditional economic recession hit many traditional Commercial & Industrial (C&I) focused lenders harder than last year. In contrast, other aspects of the scenario lessened the adverse impact to trading focused firms’ pre-provision net revenues (PPNR), and model changes lessened ratio pressure from risk-weighted assets (RWAs).
  • Loan loss rate improvements stalled. Aggregate loan loss rates over the nine quarters totalled 6.1 %, the same as the prior DFAST, halting an improving trend compared to the last few years. However, loss rate trends were mixed across lending sectors with improvements in commercial real estate (CRE) and first lien mortgage loss rates offset by deterioration in C&I and other loans.
  • The Dodd-Frank Act Stress Test (DFAST) is a forward-looking, complementary exercise to CCAR but distinct in certain aspects. The results of DFAST are published by the Federal Reserve and by the participating BHCs in the public domain.
  • DFAST Tool, powered by VERTIV, consolidates the Federal Reserve’s publicly available results into a user-friendly, dynamic interface that:
  • Enables cross-sectional, year-over-year results comparisons
  • Provides the ability to compare and analyse each institution’s capital ratios in light of current regulatory standards
  • Supports custom data comparisons through the use of data filters such as bank name, institutional category type, program, scenario, metrics, and reporting year
  • DFAST Tool is not an interpretation of the results by VERTIV, but rather provides you with powerful visual analytics and the ability to interact with the data to generate your own visual representation of results

Dodd Frank Reporting

Dodd-Frank act was introduced to promote the financial stability of the United States by improving accountability and transparency in the financial system. The act lays a series of guidelines which banks should follow and comply with to ensure its smooth functioning. To achieve this bank’s banks need a robust business rule manager capable of handling diverse scenarios, act validations and enhanced auditing and process monitoring. vertiv's RQUEST Dodd-Frank suite is designed with this notion.


RQUEST’s Dodd Frank module is designed to efficiently handle data and rule management requirements of Dodd-Frank Act. Offering configuration driven business rule system, vertiv’s Dodd Frank is an ideal solution for ever-changing requirements and ever-increasing need for data audit and transparency. Suite Offers

  • Robust Business Rule Manager for act compliance, validations and data transformations
  • Integrated metadata of Dodd-Frank act sections
  • Complete out-of-the-box reports metadata for major regulators, allowing rule-cell association and giving high auditing control
  • Delivered and extensible data model and business rules out-of-the-box
  • Robust Data Integrator to consolidate source data from disparate systems
  • Inbuilt reconciliation engine to spot differences between two data sources
  • Powerful and Easy to use reporting engine for management and operational reporting
  • Real-time drill back from reports to contract level data
  • XBRL support and other administrative utilities

vertiv's Dodd-Frank Suite Coverage

Comprehensive Regulation of Swaps

  • Business Conduct
  • Capital and Margin
  • Internal Conduct
  • Registration
  • Segregation and Bankruptcy


  • DCO Core Principle
  • End-User Exception
  • Governance
  • Process for Review of Swaps
  • Systemically Important DCOs


  • Data Recordkeeping
  • Real-time Public Reporting
  • Swap Data Repositories


  • Anti-manipulation
  • Disruptive Trading Practices
  • Whistleblowers


  • DCM Core Principle
  • FBOT Registration
  • Rule Certification
  • SEF Registration


  • Fair Credit Reporting
  • Investment Advisor Reporting
  • Large Swaps Trader Reporting
  • Options Transactions
  • Reliance on Credit Rating


  • Basel II: Regulations H & Y
  • Capital Requirements for Covered Swap Entities
  • Clearing Standards for Operation and Governance
  • Credit Ratings
  • Credit Risk Retention
  • Deposit Insurance Coverage Limit
  • Designated Reserve Ratio
  • Disclosure for ABS
  • End-User Exception to Mandatory Clearing of Security-based Swaps
  • Enhanced Compensation Structure
  • Exemptions for Security-based Swaps Issued by Clearing Agencies
  • Information Collection from SLHCs
  • Interest on Deposits
  • Large Bank Pricing
  • Orderly Liquidation
  • OTS Regulations
  • Ownership Reporting Requirements & Security-based Swaps
  • Registration & Regulation of Security-based Swap Execution Facilities
  • Registration of Security-based Swap Dealers
  • Reporting Security-based Swap Transaction Data
  • Restoration Plan & Deposit Insurance Fund
  • Retail FX
  • Risk Management Financial Market Utilities
  • Risk-based Capital Guidelines: Market Risk
  • Risk-based Capital Requirements
  • Risk-based Pricing Regulations
  • Security Ratings
  • Supervised Securities Holding Companies
  • Trade Acknowledgement & Verification of Security-based Swap Transactions
  • Unlimited Deposit Insurance Coverage

Better Insight for Better Business

vertiv's RQUEST is designed to meet the organization needs of performance, scalability and ease of business. Owing to the configurable nature of the modules, firms are able to address the gaps in various transactions and business processes. With increasing market pressure on the ensuring financial stability, vertiv's Dodd-Frank suite can definitely be the answer to the challenges in process control and enhanced transparency in the organization.