Our Practice
Advisory Services
Practical treasury and finance advisory across cash visibility, payments, FX risk, liquidity, working capital, bank relationships, and AI-enabled transformation.
Treasury Operations & Cash Visibility
Improving daily cash position visibility, consolidating bank account data, structuring treasury workflows, and establishing clear cash reporting and liquidity monitoring across accounts and group entities.
Typical Client Situation
Cash position is unclear, bank data is fragmented, reports are delayed, treasury visibility depends on manual work, and cash information is not consolidated across banks, accounts, or group entities.
Expected Deliverable
Cash visibility map, treasury workflow review, bank account visibility assessment, cash reporting framework, and practical improvement roadmap.
Payments, Bank Connectivity & Reconciliation
Reviewing and structuring payment processes, MT101/MT940 flows, bank reconciliation, payment approval workflows, bank connectivity, and payment control points for audit trail and fraud risk reduction.
Typical Client Situation
Payment processes are manual, bank files are not standardized, reconciliation is delayed, approval flows are unclear, audit trail is weak, and payment control points are not sufficiently documented.
Expected Deliverable
Payment workflow map, MT101/MT940 process review, bank connectivity assessment, reconciliation gap analysis, payment control recommendations, and fraud risk control notes.
FX Exposure Management & Hedging Advisory
Identifying FX exposure, mapping currency risk, reviewing hedging policy, monitoring open positions, and structuring FX risk governance and reporting. This is corporate treasury risk process and policy advisory — not regulated investment advice.
Typical Client Situation
FX exposure is not clearly measured, open positions are not monitored regularly, hedging decisions are ad hoc, responsibilities are unclear, and FX risk policy is not sufficiently documented.
Expected Deliverable
FX exposure map, open position review, hedging policy review, FX reporting template, process recommendations, and treasury risk governance framework.
Liquidity Planning, Funding & Debt Management
Building short-term liquidity planning, rolling cash forecasts, funding gap analysis, debt maturity monitoring, loan and credit line tracking, and refinancing preparation.
Typical Client Situation
Funding gaps are identified late, loan data is scattered, debt maturity is not monitored systematically, liquidity planning is reactive, and refinancing preparation is delayed.
Expected Deliverable
Liquidity planning framework, funding gap analysis, debt maturity schedule, loan and credit line tracking structure, and funding roadmap.
Working Capital & Cash Conversion Review
Reviewing receivables, payables, inventory-related cash pressure, cash conversion cycle, payment and collection terms, and operating cash flow improvement opportunities.
Typical Client Situation
Receivables are collected slowly, payment terms are not managed systematically, inventory creates liquidity pressure, operating cash flow is weak, and working capital is not connected to treasury planning.
Expected Deliverable
Working capital review, cash conversion analysis, receivables/payables observation framework, liquidity pressure map, and practical improvement recommendations.
Surplus Cash & Short-Term Liquidity Management
Structuring surplus cash management, short-term liquidity policy, maturity/liquidity/yield balance, deposit strategy, and bank rate comparison. This is corporate treasury liquidity policy and process support — not personal investment advice or regulated investment advisory.
Typical Client Situation
Surplus cash is not managed systematically, deposit and short-term liquidity decisions are inconsistent, bank rates are not compared regularly, and treasury investment decisions lack a defined policy.
Expected Deliverable
Surplus cash management framework, short-term liquidity policy, bank rate comparison structure, counterparty allocation logic, and practical implementation recommendations.
Bank Relationship & Treasury Partner Management
Reviewing bank relationships, credit lines, account structures, bank fees and commissions, cash management products, bank service comparison, and negotiation readiness.
Typical Client Situation
Bank fees and commissions are not systematically reviewed, bank proposals are not compared on a like-for-like basis, total banking costs are not sufficiently visible, and cash management products are difficult to compare across banks.
Expected Deliverable
Bank relationship map, account and service review, bank fee and commission analysis framework, bank proposal comparison template, and negotiation readiness recommendations.
AI-Enabled Treasury & Finance Tools Advisory
Evaluating AI-enabled treasury tools, assessing automation opportunities, reviewing data readiness, ERP/bank integration readiness, and defining pilot scope and success metrics. Advisory only — Consulvera does not sell or own a software platform.
Typical Client Situation
Unsure which treasury tools fit your needs, data is not ready, ERP/bank integration logic is unclear, AI use cases are not defined, and pilot scope and success metrics are vague.
Expected Deliverable
Tool suitability assessment, treasury use-case map, data/process readiness checklist, ERP/bank integration readiness review, pilot roadmap, and implementation risk notes.