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Clearwater Analytics Platform from Clearwater Analytics
Offers advanced portfolio accounting, performance reporting, and analytics for investment managers and public entities.
More about Clearwater Analytics
Product analysis by function
Structured Finance Systems for Investment Banking
Solutions for creating and managing complex financial instruments and structured products.
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Core Deal Structuring & Management
(2 Yes /3 Known /10 Possible features)
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Flexible Deal Structure Modeling Ability to create and customize detailed deal structures, including waterfall logic and multiple tranches. |
Not as far as we are aware.* Clearwater is primarily oriented towards accounting and portfolio reporting; flexible deal structure modeling is not a core feature for structured deal set-up. | |
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Collateral Pool Setup Support for defining and maintaining pools of assets (e.g., loans, mortgages, receivables). |
Clearwater supports modeling and maintenance of asset pools for reporting and analytics, which aligns with collateral pool setup. | |
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Multiple Asset Class Support Capability to handle diverse collateral types (RMBS, CMBS, ABS, etc.). |
Product documentation shows multiple asset class coverage, including RMBS, CMBS, ABS, and fixed income securities. | |
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Dynamic Waterfall Configuration Allows customization of cash flow waterfalls with triggers, step-downs, OC/IC tests, and priorities. |
No information available | |
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Automated Deal Maintenance Automated annual or periodic updates to deal documents and triggers. |
No information available | |
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Version Control for Structures Track and manage versions of deal setups for audit and compliance. |
No information available | |
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Deal Replication/Cloning Ability to replicate existing deals with changes for new issuance. |
No information available | |
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Limitless Tranche Creation Capacity to define a large number of tranches per deal. |
No information available | |
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Concurrent Deal Support Number of deals the system can model and maintain simultaneously. |
No information available | |
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Securitization Event Tracking Tracks key events and milestones over the lifecycle of a securitization. |
No information available |
Cash Flow Modeling & Analytics
(7 Yes /7 Known /10 Possible features)
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High-Speed Cash Flow Engine Performance of cash flow calculations for highly complex structures and scenarios. |
No information available | |
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Multi-Scenario Execution Ability to run and compare results across multiple scenario assumptions (macro, credit, prepayment, default, etc.). |
No information available | |
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Waterfall Transparency Clear visualization and breakdown of cash flow allocations and triggers. |
Reports provide detailed breakdowns of cash flows and allocations, matching need for waterfall transparency. | |
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Assumption Management Supports storage, comparison, and historical tracking of multiple assumption sets. |
Clearwater allows storage and tracking of assumption sets over time for back-testing and what-if analysis. | |
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Stochastic/Monte Carlo Simulation Ability to run large numbers of simulation paths for probabilistic analysis. |
No information available | |
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Prepayment/Default Modelling Built-in models or flexible support for prepayment and default curves. |
Documentation shows support for prepayment and default curve modeling within fixed income analytics. | |
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Output Export Options Export results in various formats (Excel, CSV, PDF, XML, etc.). |
Supports multiple custom export formats, e.g., Excel, CSV, PDF. | |
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Analytics Metrics Calculation Calculation of IRR, WAL, Credit Enhancement, OC/IC ratios, etc. |
Documentation and product videos confirm calculation of IRR, WAL, credit enhancement metrics, OC/IC ratios, etc. | |
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Parallel Processing Ability to utilize multi-core or distributed computing for faster analytics. |
Clearwater is cloud-based and references the use of parallel processing and distributed computing environments. | |
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Stress Testing Formal support for regulatory or internal stress test scenarios. |
Supports scenario-based and regulatory stress testing as outlined in product overview and investor presentations. |
Collateral Management
(7 Yes /7 Known /10 Possible features)
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Automated Data Import Seamless ingestion of collateral data from multiple sources/formats (loan tapes, XML, etc.). |
Clearwater advertises automated data ingestion from custodians, accounting systems, and file uploads in multiple formats. | |
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Data Validation & Cleansing Pre-built rules for checking data quality and flagging anomalies. |
The platform provides data validation processes and error-flagging for imported data. | |
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Loan-Level Tracking Tracks individual assets throughout their lifecycle. |
Loan-level and asset-level tracking is part of core portfolio recordkeeping. | |
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Pool Stratification Reporting Ability to generate reports by asset stratification (by FICO, LTV, sector, etc.). |
Reports allow stratification by key variables such as FICO, LTV, sector, etc. | |
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Collateral Substitution Supports asset replacements, eligibility checks, and exclusion criteria. |
No information available | |
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Concentration Limit Monitoring Monitoring for regulatory or deal-specific exposure limits in collateral pools. |
Supports monitoring limits and concentrations for compliance and management reporting. | |
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Data Audit Trails Immutable, timestamped logs of changes to collateral data. |
System supports an audit trail for imported and changed data, with timestamps. | |
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Real-Time Collateral Updates How quickly the system can refresh for new/updated collateral data. |
No information available | |
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Historical Collateral Archiving Ability to preserve and retrieve prior versions of the pool. |
Historical pool positions and data snapshots are available and can be accessed for reporting. | |
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Integration with Master Servicer Enables secure/integrated feed with third-party or internal servicer systems. |
No information available |
Risk Management & Regulatory Compliance
(7 Yes /7 Known /10 Possible features)
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Regulatory Reporting Automation Automates the production of required reports (SEC, ESMA, etc.). |
SEC and other regulatory report automation is specifically mentioned for insurance and asset management clients. | |
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Compliance Rule Engine Defines, monitors, and enforces internal/external risk, compliance, and eligibility rules. |
No information available | |
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Exposure Analytics Calculates exposure concentrations, country limits, and counterparty exposure. |
Exposure analytics features cover country, sector, counterparty, and other concentration risks. | |
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Scenario-Based Risk Analysis Ability to run risk analytics under regulatory and custom scenarios. |
Scenario-based risk and regulatory analytics for stress testing and reporting are part of the platform. | |
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Limitation Breach Alerts Automatic alerts for breaches of deal or regulatory limits. |
Limitation and guideline breaches can drive automatic email or dashboard alerts. | |
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Full Audit Trails Comprehensive audit logs for every system interaction and data change. |
Clearwater emphasizes full audit logging for compliance and reporting, including user activity and changes. | |
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Risk Rating Integration Ability to interface with internal or external credit rating models. |
No information available | |
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Regulatory Change Updates System updates to automatically reflect major regulatory changes. |
No information available | |
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ESG Metrics Support Capture/report on Environmental, Social, Governance investment criteria. |
Platform offers ESG metric tracking and reporting in line with modern investment mandates. | |
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KYC/AML Capabilities Built-in or connected Know Your Customer / Anti-Money Laundering checks. |
Reference to automated KYC/AML screening for client onboarding and compliance. |
Reporting & Document Management
(8 Yes /8 Known /10 Possible features)
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Custom Report Builder Flexible tools to design and modify analytic, compliance, and investor reports. |
Custom report builder capabilities highlighted in documentation and product website. | |
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Automated Distribution Ability for scheduled, secure electronic delivery to stakeholders. |
Supports automated and recurring report delivery to stakeholders. | |
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Ad Hoc Query Capability Allows users to run custom, SQL-type queries on system data. |
Enables users to create ad hoc queries and reports on portfolio data. | |
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Multi-Format Output Supports output in PDF, HTML, DOC, Excel, and XBRL formats. |
Supports export and viewing in multiple formats: PDF, Excel, CSV, XML. | |
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Historical Document Archiving Stores versions of investor reports and offering documents for compliance. |
Historical document archiving is available for compliance and audit purposes. | |
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Templated Regulatory Reports Pre-packaged templates for regulatory submissions (e.g., SEC ABS-EE, ESMA). |
Regulatory report templates (e.g., ABS-EE, Form N-PORT, IFRS, Solvency II) are part of filings support. | |
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Automated Watermarking/Branding Watermarking and branding for investor and internal reports. |
No information available | |
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Document Access Controls Granular user permissions and encryption for sensitive documents. |
Access controls and user permissions for document security described under compliance and IT administration sections. | |
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Audit-Ready Documentation Documentation and reporting built to support external/internal audits. |
Audit-ready documentation is a selling point for regulatory and financial audits. | |
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Bulk Report Generation Speed Capacity for generating multiple large reports in parallel. |
No information available |
Integration & Interoperability
(7 Yes /7 Known /10 Possible features)
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Open API Access Availability of RESTful or SOAP APIs for external integrations. |
APIs are available for integration with client systems and third-party tools. | |
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Real-Time Data Feeds Support for connecting real-time asset or market data streams (Bloomberg, Reuters, etc.). |
No information available | |
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Batch Import/Export Bulk data upload/download capability for integration with upstream/downstream systems. |
Bulk data import and export are standard features for client data management. | |
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SFTP/FTP Connectivity Secure file transfer support for data exchange. |
FTP/SFTP file transfer is used for large-scale data ingestion by clients and custodians. | |
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Legacy System Interfaces Adaptors/connectors for legacy banking and risk systems. |
Integration toolkit includes connectors for legacy banking systems as cited in partnership documentation. | |
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Single Sign-On (SSO) Integrated user authentication with enterprise directories (LDAP, Azure, etc.). |
Single sign-on is included for enterprise clients using LDAP or SAML. | |
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Event Notification Webhooks Real-time push notifications to external systems. |
No information available | |
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Custom Integration Toolkit Tools and documentation for custom connectors and middleware. |
Custom integration kits and support for middleware referenced on their integration support pages. | |
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Configurable Data Mapping Ability to map and transform incoming or outgoing data structures. |
Supports configurable data mapping for import/export transformation. | |
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Maximum Simultaneous Integrations How many simultaneous integration jobs the system can support. |
No information available |
Security & Data Protection
(8 Yes /8 Known /10 Possible features)
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End-to-End Encryption Data is encrypted at-rest and in-transit using industry standards. |
End-to-end encryption in transit and at rest, per security and compliance documentation. | |
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Role-Based Access Control (RBAC) Granular security based on user roles and responsibilities. |
Role-based access control granularity available, with user/group roles. | |
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Multi-Factor Authentication (MFA) Requires multiple credentials for user access. |
MFA supported as part of login process for enhanced security. | |
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Regular Penetration Testing System is subject to regular third-party or internal security testing. |
States external security assessments and penetration testing are routine. | |
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Audit Logging Detailed, tamper-evident logs of system activity. |
Audit logging built into platform for both security and compliance requirements. | |
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Data Retention Policy Configuration Customizable rules for retention and deletion of sensitive data. |
Customizable retention and deletion policies for sensitive records are featured for compliance. | |
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Data Masking/Pseudonymization Protection for PII during analytics, testing or lower environments. |
No information available | |
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Certification & Compliance Compliance with major standards (SOC2, ISO 27001, GDPR, etc.). |
Supports SOC2, ISO 27001, GDPR compliance as per official certifications. | |
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Intrusion Detection Live monitoring for breaches and suspicious activity. |
Includes real-time monitoring for intrusion detection and suspicious activity. | |
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Disaster Recovery RPO Recovery Point Objective: Age of data that can be lost in a system outage. |
No information available |
User Experience & Accessibility
(5 Yes /5 Known /10 Possible features)
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Intuitive Interface Modern, consistent, and user-friendly UI. |
UI is designed for financial professionals, with ease-of-use cited in client testimonials. | |
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Customizable Dashboards Ability for users to tailor dashboards with preferred metrics/views. |
Dashboards and key metrics are customizable by user preference. | |
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Accessibility Compliance WCAG or ADA compliant for users with disabilities. |
No information available | |
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Localization/Language Support Support for multiple languages/regional settings. |
Supports regional date/currency and localization for global clients. | |
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In-App Tutorials/Tooltips Guided help, tooltips, and onboarding flows. |
No information available | |
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Mobile Accessibility Optimized access for mobile/tablet platforms. |
Accessible via mobile browser and optimized for mobile screens. | |
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Theme/Color Scheme Customization Customizable UI appearance (dark mode, etc.). |
No information available | |
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Concurrent User Support Number of users supported simultaneously without degradation. |
No information available | |
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Bookmarking/Favorites Users can bookmark frequently used reports/functions. |
No information available | |
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Session Timeout Controls Automatic logout/timeouts for security. |
Session timeout and automatic logout are enforced as security protocols. |
Lifecycle Automation & Workflow
(1 Yes /1 Known /10 Possible features)
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Workflow Automation Engine Configurable process flows for deal origination, approval, and servicing. |
No information available | |
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Task Assignment & Tracking Automated routing and monitoring of tasks to users/teams. |
No information available | |
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Approval Hierarchies Configurable multi-level approval chains for critical actions. |
No information available | |
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Workflow SLA Monitoring Time alerts/metrics for meeting internal or regulatory service levels. |
No information available | |
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Calendar & Milestone Reminders Automatic reminders for key dates/events (e.g., payment dates, investor reporting). |
No information available | |
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Exception Handling Support Automated detection and routing of out-of-bounds scenarios. |
No information available | |
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Bulk Upload & Bulk Actions Ability to process large sets of records in a single action or file. |
Bulk actions on portfolio and transaction data are supported per admin documentation. | |
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Workflow History/Audit Logs of all actions taken as part of workflow. |
No information available | |
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Custom Workflow Templates Bank- or desk-specific processes can be pre-built as templates. |
No information available | |
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Automated Notification Triggers Automatic notifications for workflow status changes. |
No information available |
Technical Scalability & Performance
(6 Yes /6 Known /10 Possible features)
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Horizontal Scalability Ability to scale across multiple servers/cloud instances. |
Scales horizontally via cloud-native infrastructure as described in service overviews. | |
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Load Balancing Support Distributes user and processing load automatically. |
Allows for automatic load balancing at the infrastructure (cloud) layer. | |
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Real-Time Processing Capacity Number of real-time calculations or events handled per second. |
No information available | |
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High Availability SLA Guaranteed system uptime as a percentage over a year. |
No information available | |
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Disaster Recovery RTO Maximum time to restore service after a disaster. |
No information available | |
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Elastic Storage System can dynamically allocate storage as needed. |
Elastic storage is a core part of their AWS cloud deployment. | |
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Zero-Downtime Updates Upgrades or patches can be deployed without taking the system offline. |
States support for zero-downtime updates via rolling deployment practices. | |
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Performance Monitoring Console Dashboards for tracking system health, response times, bottlenecks. |
Performance monitoring dashboards available to IT administrators and clients. | |
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Max Supported Data Volume Maximum capacity of transactional and reference data. |
No information available | |
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Automated Scaling Rules System can auto-scale based on load or time-of-day. |
Platform provides auto-scaling based on real-time resource usage. |
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