Risk policies
We carry out your activities under an institutional outline of capital preservation, and with a moderate risk profile. Nevertheless we offer our customers investment alternatives, with different risk levels, in the framework of a comprehensive asessment regarding risk-benefit.
Risk policies
Financial risks

As an active participant of the capital market, and as a third-party resource manager, Alianza is exposed to different kinds of financial risk. To guarantee the promise of value for clients and shareholders, it developed integral systems of management for each one of them, that also became a guarantee of a cautious and responsible management of the commended resources.

Market
Market
The market risk represents the possibility for the society, or the portfolios it manages, incur in losses as a consequence of the price variation of the financial assets it participates in.
Liquidity
Liquidity
The liquidity risk represents the eventuality of not attending efficiently or timely to payment obligations, as a consequence of not having enough liquid resources. This translates into the necessity of obtaining liquidity, either by funding, which generates addiional costs, or through closing positions.
Counterpart
Counterpart
Counterpart risk contemplates the possibility that the society, or its managed ents, incur in losses as a consequence of the non compliance of a contract agreement because of a counterpart, a situation that demands resources to fulfill the obligation on its own or assume loss in the respective balance.
Issuer
Issuer
Issuer risk consist in the chance that debt issuer do not comply with their payment obligations, as a consequence of insolvency, liquidity or absolut bankrupcy.
Credit
Credit
The credit risk represents the possibility to incur in losses derived from the non compliance with the commitments acquired by third-parties involved in an investment business.
Riesgos Operativos

Como participante activo del mercado de capitales, y en ejecución del rol de administrador de recursos de terceros, Alianza se encuentra expuesta a los diferentes tipos de riesgos financieros. Con el propósito de garantizar la promesa de valor para clientes y accionistas, ha desarrollado sistemas integrales de gestión para cada uno de ellos, sistemas que además constituyen garantía de una administración prudente y responsable de los recursos encomendados.

SEGURIDAD DE LA INFORMACIÓN Y CIBERSEGURIDAD

Tiene como objetivo identificar las amenazas potenciales que afecten la confidencialidad, integridad y disponibilidad de la Información e implementar las medidas de control que permitan mitigarlas.

CONTINUIDAD DE NEGOCIO

Conjunto de procesos y planes establecidos preventivamente por la entidad que permiten a la compañía responder de forma organizada ante situaciones de emergencia que puedan ocasionar interrupción en la operación de la compañía.

SARO - Sistema de Administración del Riesgo Operativo

Busca identificar, medir, controlar y monitorear la posibilidad de incurrir en pérdidas por deficiencias, fallas o inadecuaciones, en: el recurso humano, los procesos, la tecnología, la infraestructura o acontecimientos externos.

Actores

El SARO involucra a todos los funcionarios de Alianza, y los Gestores de Riesgo Operativo de cada proceso son los actores principales en la gestión del riesgo.

SARLAFT - Riesgo de Lavado de Activos y Financiación del Terrorismo

Este sistema está basado en la regulación vigente emitida por la Superindencia Financiera de Colombia y tiene como objetivo prevenir que Alianza sea utilizada para el lavado de activos y/o financiación de terrorismo. 

Certificación Sarlaft

Risk management system
Alianza has an Integral Risk Management System, designed to preserve the shareholders patrimony, and to guarantee that the clients assume adequate levels of exposure meeting their risk profile. The development of the system is in charge of an ideal, capable and skilled team that develops innovative methods of measurement and risk control.
Human Resources

The financial risk area of Alianza is formed by an ideal, capable and skilled team, with knowledge and experience in financial risk management and with skills in the development of measurement and risk control methods.

1
First stage
The management seeks to identify risk factors and potential events that can impact the normal development of the society activities, or represent losses for any of the portfolios it  manages.
2
Second stage
A quantification of the assumed risk is carried out, to know the risk exposure level that represents every business line, either by individual or by managed portfolio.
3
Third stage
Consists in control risk exposure, to mantain coherence with the risk profile of each customer, portfolio or product, and to guarantee it to be inside the allowed levels.
4
Fourth stage
A permanent process of screening, conceived to follow up on risk exposure levels, and to timely identify alerts regarding internal or external situations, circumstancial or structural, that impact negatively the development of the business of the society, or pose threat to the profitability of the managed resources.