The dominant supplier of mortgage-backed securitization software (~85%) for the administration of the NHA MBS and CMB programs sponsored by the Canadian Mortgage and Housing Corporation, which includes processing and maintaining assets and liabilities for more than 75 approved issuers amounting to nearly a
half-trillion
dollars of outstanding issuances.
MortgageHub
- Unparalleled end-to-end functionality and automation to meet the intense demands of RMBS/NHA MBS/CMB/Covered Bond funding mechanisms
- Quickly build, analyze, manage and price asset portfolios with detailed loan-level data and robust real-time reporting
- Standardize complex tasks, save costs, reduce inefficiencies and automate your daily and monthly tasks
- Manage complex financial activities with comprehensive support and audit compliant controls and monitoring
- Unified management and administrative framework that aggregates multiple third-party asset servicers
- Strong whole loan capabilities encompassing managing, monitoring, accounting, reporting, and funding
- Pool creation and administration and exclusive support for managing all aspects of CMB participation
- Covered Bond/Pool Functionality with configurable eligibility requirements to create compliant portfolios
- Built-in journal and G/L accounting with user-defined chart-of-accounts and posting matrices
Supporting Complex Regulatory Requirements
Remaining at the forefront of regulatory requirements is of paramount importance to our customers. TAO provides its customers with peace of mind that the necessary regulatory changes can be effected within the timely manner that is successfully deployed to its customer base. Examples include:
- SOFR, CORRA, SONIA, AONIA, etc. RFR interest rate benchmark requirements
- New ESG and climate risk assessment and reporting requirements
- Data security, privacy and overall data management protocols
- Automated regulatory reporting including data validation needs
- Best practices in terms of operational risk management and audit logs
- Multi-jurisdictional reporting, SEC, ESMA, Bank of England, RBA, RBNA capabilities
- Automated rating agency feeds for new issuance and on-going surveillance needs
Automation of Workflow Activities
Automating lengthy manual processes to optimally interact with all available data including ESG data, every feature has been crafted to meet the growing needs of the financial services industry in the evolving digital age.
- Advanced data ingestion and normalized table structuring
- In-built analytics and dashboards to analyze data and support reporting needs
- Optimize new originations involving multiple funding vehicles whilst confirming compliance with eligibility criteria and portfolio parameters
- Enhanced transaction structuring and modeling capabilities that do not require SQL knowledge
- Flexible reporting for both internal and external stakeholders
- Inbound files to obtain ESG, climate impact information, market rates and property information
- Outbound files to key stakeholders such as regulators, rating agencies, trustees
- Accounting, payment instructions and bank reconciliations
- Required audit and controls mechanisms
Introducing Material Operational Efficiencies, Reducing Operational Risk, Supporting Remote Access and Audit / Risk Requirements
TAO software enables customers that have been impacted with qualified staff shortages the ability to control and automate operational tasks without the need to increase headcount. Specific processes can be undertaken and reviewed or approved via our enterprise solution with audit logs of activities undertaken and approvals provided.
Remote access and concurrent multi-user access can also be accommodated thereby supporting an organization's revised working arrangements to retain qualified staff.
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