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Treasury teams sit at the heart of financial operations. They manage liquidity, ensure compliance, and provide the reporting that investors and executives rely on to make critical decisions. Yet despite their strategic importance, many treasury departments spend most of their time fighting fires.
Instead of leading with insight, they’re bogged down by outdated tools, fragmented data, and manual processes that consume hours each week. In today’s fast-moving financial environment, these pain points don’t just slow teams down but they prevent treasury from fulfilling its true role as a strategic partner to the business.
Below, we explore some of the most pressing challenges treasury teams face today.
It’s no secret that many treasury and securitization teams still rely heavily on legacy systems like Excel, Moody’s ABS Suite, or SAP. These platforms were originally designed to automate workflows, but over time, they’ve become part of the problem:
What should be tools for efficiency often turn into bottlenecks. Instead of streamlining reporting and decision-making, they slow everything down.
Treasury teams depend on data from a wide range of sources such as loan tapes, servicing systems, ERP platforms, and internal trackers. Rarely does that data arrive in a clean, standardized format.
The result? Teams spend hours every month cleaning, normalizing, and reconciling spreadsheets just to get to a baseline view of performance.
This fragmentation creates two problems:
In an industry where accuracy is non-negotiable, these risks compound quickly.
Monthly servicer reports, waterfall calculations, and investor disclosures are the lifeblood of the securitization process. But creating these reports is often a marathon of manual effort.
For treasury teams, reporting isn’t just a task but it’s a pressure point that constantly threatens to derail operations.
Treasury also sits at the center of regulatory and audit readiness. Requirements like Reg AB, SOX, and SOC 2 demand precision, documentation, and clear audit trails.
Yet legacy systems don’t make this easy. Few provide:
Instead, treasury departments patch together compliance processes manually, relying on checklists, shared drives, and ad hoc trackers. It’s an approach that may work—but it doesn’t scale, and it puts teams at constant risk of falling behind.
Perhaps the biggest pain point isn’t the operational grind itself - it’s what treasury loses because of it.
Instead of using data to model future scenarios, optimize liquidity, and guide funding strategy, treasury professionals spend most of their time executing repetitive tasks. By the time reports are complete, there’s little bandwidth left to focus on forward-looking insights.
This isn’t just frustrating for treasury; it’s a missed opportunity for the entire organization. The function that should be leading with strategy is stuck in the weeds.
Treasury’s challenges are real, but they aren’t inevitable. Other industries have already shown what’s possible with automation and modern, purpose-built platforms. Logistics, healthcare, and even marketing have all transformed by adopting tools that eliminate manual work and deliver real-time insights.
For treasury, the opportunity is no different. By replacing outdated tools with modern platforms designed for securitization and compliance, teams can:
The pain points treasury faces today are the result of legacy systems and outdated approaches. The solution lies in modernization—automation, integration, and intelligence that put treasury back in the driver’s seat.
Treasury doesn’t have to be the department that’s always “catching up.” With the right tools, it can become the strategic core of financial decision-making; delivering clarity, confidence, and forward-looking insight.
