What ALM Partners does

ALM Partners is a Finnish financial services firm founded in 2011, headquartered in Helsinki with offices in Jyväskylä, Oulu, Tampere, and Stockholm, that provides regulatory and risk reporting, balance sheet and capital management, and treasury advisory services to European banks and financial institutions. The company originated when ALM Partners acquired the business operations of Aktia Bank's Balance Sheet Management unit, and it remains predominantly employee-owned (84-85%) and debt-free.

Its core technology is the proprietary CRDM (Common Risk Data Mart) platform, a bank-tailored data warehouse that ingests data from client core banking and treasury systems and produces regulatory reports for EBA and national supervisors, complemented by the DPM Manager web application for EBA Data Point Model validation and the Cladiator BI tool for data quality assurance during system migrations. Solutions are hosted in the client's own cloud via Microsoft Azure under an official Microsoft partnership, and the CRDM data warehouse is engineered to integrate with the FIS Treasury and Risk Manager (Quantum Edition), for which ALM Partners acts as the local implementation partner in Finland.

The business model combines recurring managed services (Regulatory and Risk Reporting as a Service, or RaaS) and SaaS subscriptions (DPM Manager, Cladiator, web-based reporting applications) with project-based implementation work (FIS Quantum deployments, IFRS 9 ECL implementations, IRRBB and liquidity modelling) and continuous advisory/expert resourcing. Pricing is quote-based with multi-year contracts tailored to each client. Go-to-market is direct enterprise sales supported by flagship industry events (ALM Day Helsinki for 15 years and the new ALM Day Stockholm), and the firm serves a customer roster that includes Säästöpankki, POP Pankki, Aktia, S-Pankki, Klarna, Svea Ekonomi, OmaSp, Kuntarahoitus, Avanza, Ålandsbanken and Bonum Bank.

Name

ALM Partners

Legal name

ALM Partners Oy

Website

https://almpartners.fi

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

101–250 employees

Short description

ALM Partners is a Finnish, predominantly employee-owned financial services firm that provides regulatory and risk reporting, balance sheet management, and treasury advisory services to European banks, powered by its proprietary CRDM platform and delivered as managed services, SaaS, and projects.

Ownership category

akta.pro rank

Product category

Banking Regulatory and Risk Reporting Services

NAICS

Custom Computer Programming Services (541511), Software Publishers (513210)

SIC

Services-Management Consulting Services (8742)

akta.pro primary industry

Enterprise Application Lifecycle Management (ALM) Platforms (HDAEAKAJ)

akta.pro secondary industry

Contract Lifecycle Management (CLM) & Document Automation (BPAEAPAD)

Keywords

• Regulatory reporting services
• Risk reporting solutions
• Asset liability management
• Banking compliance consulting
• Data warehouse services

Headquarters

HQ city

Helsinki

HQ country

Finland

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Regulatory and Risk Reporting as a Service (RaaS): Recurring managed service covering full regulatory and risk reporting chain for European banks, using proprietary CRDM platform; described as core strategic focus for long-term growth.
2. Application services (SaaS): Continuously updated application services (e.g., DPM Manager, Cladiator) provided as SaaS to ensure clients' systems are always up to date with regulatory changes.
3. Advisory and Expert Services: Continuous services, conceptualized advisory solutions, and project deliveries to help clients optimize business processes and adapt to evolving regulation.
4. System implementation and maintenance services: Project-based implementation of treasury and risk management systems (e.g., FIS Quantum Edition) plus ongoing maintenance and support; delivered as project work.
5. Managed services / cloud infrastructure (PaaS): As an official Microsoft partner, ALM Partners provides cloud infrastructure as PaaS for parts of the product portfolio (e.g., hosting for Bonum Bank).

Pricing tiers

Go-to-market motion4 records

Distribution channels4 records

Marketing channels10 records

Core offering

ALM Partners delivers end-to-end regulatory and risk reporting as managed services for European banks, covering the full chain from source banking system data through a proprietary CRDM data warehouse to regulator filings. It also sells continuous application services (SaaS such as DPM Manager and Cladiator), advisory/expert services on balance sheet risks and treasury, and project-based implementation of treasury and risk management systems, complemented by cloud PaaS delivery on Microsoft Azure.

Differentiator

Problem solved

Functional benefit

Products and services

• CRDM (Common Risk Data Mart) Risk Reporting Platform Turnkey regulatory reporting data mart for European banks, integrating with client data warehouses and feeding national/EBA reporting tools via DPM Manager. Includes built-in automated data quality assurance routines from source systems to datamart to reporting tools. Sold as the backbone of ALM Partners' RaaS offering to banks and financial institutions.
• DPM Manager Regulatory Report Validation Application Web-based application that imports EBA DPM versions and validates regulatory reports in real time, providing messages and color-coded indicators on compliance with DPM validation rules. Used by clients such as Aktia. Sold as a standalone application service (SaaS) to banks to ensure regulatory reports are valid against the latest EBA DPM standards.
• Cladiator BI Tool Business intelligence tool for banking data quality assurance during core banking system changes, enabling banking experts to verify that product information is transferred correctly. Sold as an application service (SaaS) to banks undergoing core banking migrations.
• Regulatory and Risk Reporting as a Service (RaaS) Recurring managed service covering the full regulatory and risk reporting chain for European banks, built on ALM Partners' proprietary CRDM platform. Delivered as an outsourced function for banks that lack continuous in-house regulatory and risk reporting expertise. Described by the company as its core strategic focus for long-term growth.
• Advisory and Expert Services Continuous and project-based advisory and expert services that help European banks and financial institutions optimize business processes and adapt to evolving regulation, including balance sheet risk, hedging strategies, IFRS 9 / IRB implementation, and treasury system modernization. Delivered by 200+ specialist financial professionals.
• FIS Quantum Edition Treasury System Implementation and Maintenance Project-based implementation of the FIS Treasury and Risk Manager – Quantum Edition treasury management system for Finnish banks (including the Central Bank of Savings Banks), plus ongoing maintenance and end-user support. Includes EMIR reporting automation, collateral management, accounting data generation, and data pipelines to the bank's data warehouse. Delivered as ALM Partners' local implementation partner for FIS in Finland.
• Managed Cloud Infrastructure (Microsoft Azure PaaS for Banking Solutions) Managed cloud infrastructure delivered as Platform-as-a-Service on Microsoft Azure for parts of ALM Partners' product portfolio, including hosting of CRDM-based regulatory reporting services for bank clients such as Bonum Bank in the bank's own cloud. Provided under ALM Partners' official Microsoft partner relationship.

Quantifiable outcome

• ~30% cost savings vs. previous regulatory reporting solution and operating model
• +4 more outcomes

Named customers11 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature6 records

Partnerships

Six partnerships are on record, tiered core and minor.

• FIS (FIS Treasury and Risk Manager – Quantum Edition)coreStrategic or Co-development PartnerALM Partners is FIS' local implementation partner in Finland for the Quantum Edition treasury management system. They have delivered the Quantum implementation for the Central Bank of Savings Banks, providing EMIR reporting automation, collateral management (CSA reporting), accounting data generation, and data pipelines to the bank's data warehouse. ALM Partners has extensive experience with the Quantum system and provides end-user support.
• MicrosoftcoreTechnology or IntegrationAs an official Microsoft partner, ALM Partners provides cloud infrastructure as a Platform-as-a-Service (PaaS) solution for parts of its product portfolio (e.g., hosting for Bonum Bank's CRDM-based services). The partnership supports the bank's-own-cloud hosting model central to ALM Partners' regulatory reporting offering.
• POP Pankkikeskus (POP Bank Centre) / POP Bank GroupcoreStrategic or Co-development PartnerLong-term partnership (>10 years) with the POP Bank Group; delivered IFRS 9 ECL implementation using FIS systems. The group is both a long-term client and a co-development environment for ALM Partners' regulatory and risk reporting services.
• Stockholm School of Economics (House of Innovation) / Åke FreijminorGTM or Marketing PartnerFeatured keynote partner at the inaugural ALM Day Stockholm 2026 (June 2, 2026, Miss Clara Hotel) — academic credibility and RegTech thought-leadership partnership supporting ALM Partners' market entry into Sweden.
• Nordic RegTech Association (via Richard Rosenholtz)minorGTM or Marketing PartnerRichard Rosenholtz, ALM Partners' Account Manager in Sweden, is Chairman and Co-founder of the Nordic RegTech Association, supporting ALM Partners' positioning within the Nordic RegTech ecosystem.
• Aki LinnanahdeminorGTM or Marketing PartnerStoryteller, host, editor and producer; co-hosts the ALM Day flagship events (Helsinki 2025 and 2026) and other ALM Partners industry events.

Scale indicators11 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Temenos: Global banking software provider offering core banking, risk, and regulatory compliance solutions. Competes more broadly than ALM Partners across the banking technology stack, but overlaps on the regulatory reporting and risk management layer for European mid-sized banks.
• BearingPoint RegTech (now Regnology subsidiary): European-origin consulting and RegTech provider with deep regulatory reporting capabilities for the banking sector. Closely comparable to ALM Partners given its combined advisory + technology model targeting European bank regulatory compliance, particularly around ECB and EBA reporting requirements.
• Wolters Kluwer (OneSumX for Regulatory Reporting): Global information services company whose OneSumX solution offers bank regulatory reporting, risk and finance compliance. Directly competes with ALM Partners in the regulatory reporting space for European banks but serves a much broader customer base across multiple verticals and geographies.
• FNZ Group: Global wealth management platform serving financial institutions with regulatory reporting, compliance, and operational capabilities. Comparable to ALM Partners' financial institution customer base and regulatory reporting focus, though concentrated in wealth and asset management rather than core banking ALM.
• Moody's Analytics: Major provider of risk management, regulatory reporting, and banking analytics software to financial institutions worldwide. Overlaps with ALM Partners in bank risk and regulatory reporting, particularly for larger European banks, though it offers a much broader analytics portfolio.
• Capgemini Invent (Banking Regulatory Services): Global consulting firm with a substantial European banking regulatory and risk practice. Comparable to ALM Partners' advisory and implementation services, particularly around Basel/CRR, IFRS 9, and regulatory transformation projects for European banks.
• SAS Institute (Risk and Finance practice): Global analytics software vendor with a strong banking risk management and regulatory reporting practice in Europe. Comparable to ALM Partners in addressing IFRS 9, IRRBB, and stress testing needs for European banks, though typically deployed in larger enterprise environments.

Direct peers

• AxiomSL: Enterprise risk and regulatory reporting platform serving global financial institutions with a strong European bank presence. Directly competes with ALM Partners' CRDM-style data mart and regulatory reporting value proposition, particularly for cross-border and multi-jurisdiction reporting needs.
• Regnology: Specialized RegTech vendor providing regulatory reporting, risk management, and supervisory technology solutions to banks and regulators globally. Highly comparable to ALM Partners as both target European bank regulatory reporting with proprietary software plus services, though Regnology operates at much larger scale.

Regional players

• Tietoevry Banking: Nordic-headquartered IT services and banking software vendor serving Scandinavian banks with regulatory and core banking solutions. Direct Nordic peer to ALM Partners with comparable geographic footprint, particularly for Swedish and Finnish bank customers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@almpartners5734
• Facebookfacebook.com/ALMPartners
• LinkedInlinkedin.com/company/alm-partners
• Instagraminstagram.com/almpartners
• Xx.com/ALMPartners

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ALM Partners