Workflow 04 — Decision Governance
Asset & liability / treasury.
Governed ALM and treasury decisions — limits, breaches, hedges, and liquidity events — with rationale tied to policy and outcome.
What goes wrong without it
Limit breaches under-documented
When IRR or liquidity limits move outside policy, the rationale and approval can be hard to find later.
Hedge intent unclear
The reason a hedge was put on often lives in one person's head, not on the record.
ALCO actions drift
Committee decisions get made in the meeting but execution and follow-up aren't always tracked.
The shared decision anatomy
Every workflow follows the same five steps. Here’s how asset & liability / treasury uses them, with the artifact captured at each step.
What you’ll see
A live view of every item, its owner, its deadline, and the evidence behind its current status.
Open items
6
Limit breaches
1
Hedges YTD
4
LCR coverage
127%
| ID | Item | Owner | Action | Status |
|---|---|---|---|---|
| ALM-082 | NII sensitivity +200bp breach | S. Whitman | May 23 | ALCO review |
| HDG-041 | Pay-fixed swap, 5yr notional $50M | S. Whitman | Jun 05 | Pending exec. |
| LIQ-019 | Contingency funding plan refresh | C. Bennett | Jun 30 | Drafting |
| ALM-079 | Deposit beta assumption update | C. Bennett | Apr 28 | Approved |
Evidence captured
Built for the Treasurer / CFO
Replaces the ALCO packet, hedge memo file, and limit-monitoring spreadsheet maintained outside the committee record. Gives the treasurer one ALM record with policy, rationale, and outcome connected.
Apex linkage
Strategic & Board Decisions inherit operational evidence from this workflow. Decisions made here flow upward to the apex layer automatically — a board-level capital, risk-appetite, or strategic-plan decision ties back to the operational record beneath it.
How to start
Per-workflow subscription is the entry point. Subscribe to the asset & liability / treasury workflow at listed price and onboard in days, not weeks. For multi-workflow scope or apex linkage, talk to us about the Risk Bundle or Enterprise tier.