Its purpose is to identify potential threats that affect the confidenciality, integrity and availability of information, and implementing the control measures that allow to mitigate them.
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.
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
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
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 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 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
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.
Operational 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.
INFORMATION SECURITY AND CIBERSECURITY
BUSINESS CONTINUITY
Array of plans and processes preeemptively established by the entity that allow the company to respond in an orderly manner to emergency situations that can interrupt the company operation.
SARO - Operational Risk Management System
Aims to identify, measure, control and monitor the posibility of incur in losses because of deficiency, failures or inadequacies in factors like human resources, processes, technology, infrastructure or external events.
Actors
SARO involves every staff in Alianza and the Operational Risk Managers in every process are the main actors on the risk management.
SARLAFT - Risk of Money Laundering and Terrorism Financing
This system is based in the valid regulation issued by Superindencia Financiera de Colombia and aims to prevent Alianza to be used for money laundering and/or terrorism financing.
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.