Expertise

Decades of experience evaluating, designing, developing, and integrating the financial services industry’s most critical information systems and business processes.

Reference Point's team and executive advisors offer deep industry expertise heavily focused in financial services and finance transformations. Our industry knowledge combined with our driven delivery teams differentiates us from the competition.

Capital Markets

Capital markets desks should be able to focus on their core mission—making the right trading decisions to make markets, maximize profits, and hedge risks—without being slowed down by underperforming information systems. The correct tools will ensure effective decision making and efficient execution, while poorly designed and implemented tools result in incorrect or delayed information, time-wasting manual processes, and unnecessary risk exposure.

Reference Point’s experts can determine the information and transaction processing needs of your team and the optimal solution set for your firm. We have the expertise to advise you regarding the relative merits of third-party solutions, as well as the potential to outsource certain functions. Moreover, Reference Point has the team to implement your new solutions and integrate them with your current processes and technology.

Housing Finance

Since the credit crisis in 2008 and the conservatorship of Fannie Mae and Freddie Mac, change in the housing finance industry has been constant—with much more to come. The final role of these government-sponsored entities (“GSE”) remains to be determined, as is the impact to lenders and loan servicers. Reference Point can help you prepare for the changes from the housing finance reform, integrate your technologies with the new platforms, and ensure your business and technical architecture is defined and ready to support the changes.

Risk & Controls

Institutions face a variety of risks every day: operational risk, reputational risk, financial risk—and especially relevant within the financial services industry: market risk, credit risk, and regulatory risk. For any institution, having the right processes, procedures, systems, and controls in place is critical to mitigate these risks and prevent significant losses or business disturbance. Reference Point can help you evaluate your controls, identify gaps, and recommend and implement process or technology changes that will ensure that your business continues to operate smoothly.

Consumer Finance

Consumers demand that their financial transactions, from point-of-sale purchases to loan applications, be quick and easy to execute. However, with increased speed and ease of use comes an increased risk of fraud and abuse. Reference Point’s team is experienced in improving business processes and information systems to deliver the ease of use that is quickly becoming a necessity in the market without sacrificing the ability to positively confirm identities and creditworthiness.

Moreover, with advances in mobile technologies, new payment methods are quickly proliferating. While many of these are currently still based on credit / debit cards, new exclusively mobile and electronic payment form factors are gaining traction with both consumers and vendors. Reference Point can help your organization develop a comprehensive payments strategy to stay ahead of the curve and prepare for the coming sea change in the payments industry.

Finance & Treasury Services

Efficient and well-controlled treasury procedures can give your business the speed, agility, and assurance in its cash flows that are needed for it to thrive. Our experts are highly experienced in advising a variety of firms regarding approaches, systems, and technologies to optimize cash processing procedures.

Accounting for your firm’s transactions is equally as important. The key to successful, automated, and optimized finance and accounting procedures often lies with the technologies utilized. A well-designed and well-integrated accounting system can move your firm from a timely monthly close process to daily automated postings to your ledgers. Reference Point can help analyze your accounting procedures and technologies and recommend, implement, and integrate new solutions to optimize your processes.