End-to-end wealth management. Built around your operating model.
Compose the platform from specialist components — ship the ones you need, defer the rest, never replatform again.
SpeciCRED and SpeciVIM are in production at 150+ private banks today. The wider Wealth Management Suite extends them into portfolio management, RM cockpit, order management and reporting — through SpeciTec components where we lead, certified partners where they do, and a clearly-published roadmap for everything else.
Why a suite, not a stack
Best-of-breed without the integration tax.
Wealth management is too specialised for a single vendor to do every component well. It's also too operationally sensitive to bolt together a half-dozen point tools by hand. Our suite is the middle path: we build the components where we have twenty years of conviction, certify the partners who lead the rest, and own the integration layer end-to-end so your team isn't running a system-of-record marriage counselling service.
Modular by design
Adopt a component on its own merits. SpeciCRED runs alongside any core. SpeciVIM runs alongside any CRM. Each component has its own data model, its own SLA and its own upgrade path.
Certified partners
Where we don't build, we don't fake. We integrate with named market leaders for portfolio management, OMS, market data and reporting — and we own the integration on your behalf.
Regulated end-to-end
FINMA, CSSF, MAS, DFSA — the wiring between components carries the same audit trail as the components themselves. No gaps where evidence used to live in spreadsheets.
The components
Ten domains. One operating model.
Each component is independently deployable, independently versioned and independently audited. The matrix below summarises what we ship today, what comes through partners and what's on the roadmap.
- Available now
Lending & Risk
Credit & Lombard Decisioning
Lombard, mortgage and structured-credit decisioning with embedded collateral monitoring, margin-call workflow and a regulated audit trail. Production at 150+ private banks.
- Real-time collateral valuation and concentration monitoring
- Configurable credit policies per booking centre and currency
- Auto-margining with RM and credit-officer escalation paths
- FINMA, CSSF and MAS-aligned audit trail end-to-end
- Available now
Lending & Risk
Mortgages & ULIS
Mortgage and ULIS (Universal Lombard / Investment Solutions) lending alongside Lombard — one credit file, one covenant engine, one audit trail. Real-estate collateral and ULIS facilities are first-class citizens, not bolt-ons.
- Real-estate collateral with revaluation cadence and LTV monitoring
- ULIS structured-lending facilities with multi-collateral pools
- Cross-collateralisation across Lombard, mortgage and ULIS
- Unified credit-committee workflow across all secured lending
- Available now
Lending & Risk
Live Mode — pre-trade what-if
Real-time what-if engine that checks every prospective trade against LTV, covenants, credit policy and concentration before the order leaves the desk. The same engine that powers overnight monitoring, exposed pre-trade.
- Real-time what-if on LTV, covenants and concentration
- Capital and RAROC impact preview on every order
- Pass / soft-breach / hard-breach decisioning with audit trail
- Embedded in the RM cockpit and the OMS pre-trade flow
- Available now
Lending & Risk
RWA & RAROC
Basel III/IV-aligned RWA computation and RAROC pricing on every credit line — Lombard, mortgage and ULIS. Capital is treated as a first-class input to the lending decision, not a quarterly afterthought.
- Basel III/IV RWA computation across Lombard, mortgage and ULIS
- RAROC pricing with hurdle-rate enforcement at decision time
- Capital-adequacy preview embedded in pre-trade Live Mode
- Quarterly capital pack ready for ALCO and the regulator
- Available now
Onboarding & Periodic Review
Compliance & CLM
Client lifecycle management from first onboarding to periodic review. Multi-jurisdiction by configuration, not by code.
- Risk-based onboarding with sanctions, PEP and adverse-media screening
- Periodic review on a calendar or risk-driven cadence
- FATCA / CRS / MiFID II / nFADP profiles out of the box
- Continuous re-screening with a unified case management view
- Available now
Client Channels
Mobile Banking & Client Portal
White-labelled native iOS and Android applications plus a responsive web portal. Real-time positions, secure messaging, statement download, biometric step-up.
- Themable to the bank's brand without forking the codebase
- Federated authentication to the bank's existing IdP
- Biometric and FIDO2 step-up on sensitive flows
- MAS TRMG and FINMA-aligned mobile control set
- Roadmap
Front Office
Relationship-Manager Cockpit
A workstation purpose-built for the RM: client 360, cross-asset views, alert inbox, in-context Lombard simulation and one-click hand-off to compliance and credit.
- Client 360 fed by SpeciCRED, SpeciVIM and your core
- Embedded Lombard simulation with policy-aware quoting
- Smart inbox prioritising AML hits, margin alerts and review tasks
- Native mobile companion mirroring the desktop view
Targeted private beta in H2 2026. Early-design partners welcome.
- Via partner
Investment Management
Portfolio Management & Modelling
Discretionary and advisory portfolio construction, model rebalancing, look-through analytics — through certified partners (FactSet, SimCorp, eFront-style PMS depending on segment).
- Model-portfolio rebalancing with drift control
- Pre-trade compliance against your investment policy in SpeciVIM
- Look-through to underlying funds and structured products
- Single sign-on, single audit trail, single client master
Delivered through certified PMS partners. We own the integration.
- Via partner
Trading
Order Management & Execution
Cross-asset OMS with FIX execution, allocation, and post-trade workflow — delivered through best-in-class OMS partners and integrated into the SpeciTec audit trail.
- FIX 4.4 / 5.0 connectivity to your execution venues
- Pre-trade limit checks against SpeciCRED and SpeciVIM policies
- Block, allocate, and cross-asset booking
- Straight-through processing into custody and accounting
Bloomberg, Charles River and equivalent OMS via certified integration.
- Available now
Reporting
Performance & Reporting
Time-weighted and money-weighted return calculation, attribution, contribution, and fully-branded client reporting in PDF, web and mobile.
- GIPS-aligned performance calculation
- Multi-asset attribution down to security level
- White-labelled, multi-language client reporting
- Schedulable delivery via portal, email or print provider
End-to-end workflow
From first conversation to quarterly report.
Every step below maps to a specific component. Hand-offs carry context — client master, mandate, audit trail — so nothing is re-keyed and no evidence lives in a spreadsheet.
1. Onboard
Risk-based KYC, sanctions and adverse-media screening. Investment profile and mandate captured against the regulator's questionnaire pack for the booking centre.
Compliance & CLM2. Mandate
Investment policy, risk limits and concentration thresholds set per portfolio. Pre-trade compliance ready to enforce them at execution.
Compliance & CLMPortfolio Management & Modelling3. Lend
Lombard or mortgage facility provisioned with embedded collateral monitoring. Credit decisioning sits next to the front-office, not in an off-line workflow.
Credit & Lombard Decisioning4. Execute
Trades flow through the OMS with pre-trade limit checks against credit and compliance. Allocation, booking and custody update in a single transaction.
Order Management & ExecutionPortfolio Management & Modelling5. Engage
RM cockpit surfaces the client 360. The mobile app gives the client real-time positions, statements and secure messaging on a branded surface.
Relationship-Manager CockpitMobile Banking & Client Portal6. Report
Performance, attribution and exposure delivered in the bank's brand on the cadence the mandate requires. Audit trail is one query away.
Performance & Reporting
Partner ecosystem
Best-of-breed where we don't lead.
We name our partners. Each integration is owned by SpeciTec — your team gets one number to call, regardless of which side of the wire the issue sits on.
Market data
- Bloomberg
- Refinitiv
- FactSet
- SIX Financial Information
Portfolio management
- FactSet
- SimCorp
- Indus Valley (boutique segment)
Order management & execution
- Bloomberg AIM
- Charles River
- FlexTrade
Custody & settlement
- SIX SIS
- Clearstream
- Euroclear
- Local sub-custodians on request
Identity & onboarding
- Onfido
- Sumsub
- World-Check (LSEG)
- ComplyAdvantage
Document & e-signature
- DocuSign
- Skribble
- Adobe Sign
Modular vs. monolith
Two ways to buy a wealth platform.
Tier-1 banks have lived with mega-vendor monoliths for thirty years. The cost — in lock-in, in upgrade pain, in integration tax — is now well understood. Here is how the two models compare on the criteria procurement actually weights.
| Criterion | SpeciTec Suite Modular best-of-breed | Monolithic core Single-vendor mega-platform |
|---|---|---|
| Time-to-value | Adopt one component at a time. First production go-live in months, not years. | Big-bang migration with multi-year programmes; replatforming risk shouldered by the bank. |
| Lock-in | Each component has its own data model and exit. Replace a component without re-platforming the bank. | Single shared data model across components. Replacing one component means replacing all of them. |
| Specialisation | Specialist depth in credit and CLM. Best-of-breed partners for adjacent domains. | Breadth across components; depth varies. Marginal components typically lag the market. |
| Upgrade cadence | Continuous delivery. Components upgrade independently with backwards-compatible APIs. | Annual or biennial release cycles. Bank-wide regression test for every component update. |
| Total cost over 10 years | Pay for the components you adopt; scale up as you grow. Predictable per-component pricing. | Bundled licensing with mandatory components. Hard to right-size as the bank evolves. |
FAQ
Common questions from CIOs and COOs
Map your operating model to the suite in 60 minutes.
Bring your current architecture diagram. We bring twenty years of conviction on what to keep, what to replace and what to integrate.
