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.
ALCO stops relitigating last quarter's rate call, because the rationale is already on the record.
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
Start free with one workflow on your data, then upgrade to Team or Business as you scale. For multi-workflow scope or apex linkage, see pricing or talk to us about Business.