Treasury and Risk Operating System
CERNIQ gives treasury, ALCO, risk, and investment teams one operating layer for upload-to-report delivery, rate posture, portfolio visibility, execution review, and board-ready output.
Open the reporting cycle before the next ALCO packet is due.
Platform scope
CERNIQ stays focused on the upload-to-report and board-output workflow, then extends outward into the surfaces finance teams actually need around it.
Primary: Treasury + Risk
CFO, treasurer, ALCO, and risk teams use CERNIQ as the operating layer for reporting, rate posture, institution health, and board prep.
Secondary: PM + Analyst
Portfolio and analyst teams get a connected view of mandates, live positions, execution quality, and rate-sensitive portfolio context.
Tertiary: Advisor + Client
CPA, advisory, and white-label relationships stay supported through polished output and multi-client operating paths.
Board and compliance outputs
20 mapped compliance requirements remain visible as institutional proof, not the whole public identity.
View compliance matrixLive entry points
Institutional proof
Operating workflow
The relaunch is not a product split. It is the same platform, tightened into a clearer institutional sequence for treasury, risk, and adjacent investment teams.
1. Ingest
Bring in the balance sheet, institution profile, and current operating context through the secure workspace.
2. Model
Use CERNIQ as the operating layer across ALM analytics, scenario review, market context, and portfolio insight.
3. Deliver
Move directly from analysis to committee, board, and advisory deliverables without reassembling the story in spreadsheets.
What teams see
ALM and regulatory posture
Keep board and regulator-facing output as the primary promise, but frame it as one surface inside a wider finance operating system.
Mandates and positions
Expose the existing portfolio surface as institutional evidence that treasury and investment conversations share the same operating picture.
Execution and market context
Execution-quality and market/rate surfaces stay secondary in the story, but visible enough to make CERNIQ feel like a serious institutional stack.
Workflow proof
/dashboard
Command center
CFO-first workspace shell for routing into reporting and adjacent finance surfaces.
/portfolios
Portfolio manager
Mandates, positions, cash, and unrealized performance in the same product family.
/execution-quality
Execution review
Desk-style slippage and fill-quality review for teams with active books.
/alm
ALM and board outputs
The core reporting and institutional risk workflow remains the anchor.
Walkthrough
Use the walkthrough to prove the command-center narrative: workspace entry, upload flow, analysis sequence, and the jump into adjacent portfolio and execution surfaces.
Open the institutional walkthrough
This walkthrough is published as a standalone page, so CERNIQ opens it directly instead of embedding it inside the command-center homepage.
Open walkthroughCommercial path
The relaunch changes the narrative, not the commercial spine: validate on a live workflow, then move into recurring institutional use.
Pilot report
Use one real reporting cycle to validate board output, rate posture, and workflow quality.
Recurring access
Activate the institutional command surface for recurring reporting, review, and operating visibility.
Annual access
For teams that want the full operating cadence across reporting, investment visibility, and stakeholder delivery.
FAQ
No. Puerto Rico remains an important proof market, but the product is positioned as an institutional treasury, risk, and portfolio intelligence platform for credit unions, community banks, advisors, and similar regulated teams.
No. The relaunch keeps ALM as the primary workflow while making portfolio, execution, and market surfaces visible as part of the same operating system.
CERNIQ is designed as an ongoing institutional workflow: ingest, model, review, and deliver. The board packet is an output of that system, not a one-off artifact assembled at the end.
Yes. Advisor and white-label support remain in scope, but the public narrative now leads with the treasury-and-risk command center rather than consultant replacement alone.
Pilot intake
Use the intake form to route your team into the pilot path. CERNIQ will keep the next step focused on real institution context instead of a generic demo handoff.