Wholesale

The STOC system addresses the features discussed above using the following modules:

STOC - Data Manager

• STOC takes data feeds from consumer systems, trust systems, brokerage systems, etc.
• History of data is kept for any alerts or notifications
• Collateral is priced
• Concentrations are calculated
• Exposure to market value and exposure to margin value are calculated

STOC - Rules Engine / Alert Scheduler

• A highly user configured system which allows a bank identify the types of activities it wants to monitor.
  Examples of this would include “Out of margin”, Regulation U, governance issues such as securities maturing and stock splits.
• The refreshed data (post data manager) is automatically scanned of identified activities to be monitored
• For matching cases an alert and notification is generated
• The system takes care of related alerts that may be active

STOC - Workflow

• A user configured system determines how alerts and notifications are formed and routed
• An alert can be formed as an email, an Internal STOC workflow task, or a task prepared for another workflow tool.
• Each work step can be put into a pending state managed by the tickler module of STOC
• Work steps can be configured to drive other work steps or tasks

STOC - Document Production

• A fully user defined tool which allows a document template to be built from scratch to include text and any data item or table of data items from the STOC system.

STOC - Search and View

• Data held within STOC can be accessed by a number of searches such as obligor number, obligation number, customer name or via a workflow step.
• The data is presented in a format according to the access method

STOC - Reporting

• A capability to report on any activities or data that needs to be monitored