RiskCALM

Name

RiskCALM

Legal name

RiskCALM

Website

https://riskcalm.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Phoenix

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Enterprise Annual Subscription: Cost is based on asset size and structured as an enterprise-wide annual subscription covering the entire organization. The cloud-based SaaS platform includes implementation services, core system integration, and ongoing support. Subscription model provides recurring annual revenue with pricing scaled to the financial institution's asset size.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

RiskCALM sells the RiskCALM4 cloud-based SaaS platform to financial institutions, providing integrated credit risk modeling (IFRS 9/CECL), automated AML/CFT/KYC compliance, SAR management, loan and deposit lifecycle management, and an eCommerce Marketplace layer (OrganicB2C). It is sold as an enterprise-wide annual subscription scaled to the institution's asset size, with 90-120 day implementation and integration to core banking systems via CSV data exchange.

Product overview

RiskCALM offers RiskCALM4™, a comprehensive credit and risk management platform for financial institutions. The platform operates as a unified system with integrated modules covering loan lifecycle management, regulatory compliance (IFRS 9/CECL, AML/CFT/KYC), SAR/STR reporting, organic growth (OrganicB2C™), online lending, stakeholder communications, and business development. The solution is delivered through regional variants: the eCM Marketplace (general), eCM Caribbean Marketplace, and eCM International Marketplace, all built on a common technology foundation. RiskCALM4™ addresses the key business issues of revenue/growth, risk management, governance/monitoring, and enhanced customer service for financial institutions.

Differentiator

Problem solved

Functional benefit

Brands

• RiskCALM4®: Integrated credit and risk management solution for financial institutions covering loan lifecycle, compliance (IFRS 9, AML/CFT/KYC), and digital banking capabilities.
• OrganicB2C™
• eCM Caribbean Marketplace
• eCM International Marketplace

Quantifiable outcome

• The company states that their credit and risk management solution can pay for itself through operational efficiencies and revenue generation
• +2 more outcomes

Named customers2 records

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature8 records

Partnerships

Three partnerships are on record, tiered notable and core.

• Teachers & Salaried Workers Co-operative Credit Union LimitednotableStrategic or Co-development Partner · 13 January 2020Teachers & Salaried Workers Co-operative Credit Union Limited partnered with RiskCALM for credit and risk management solutions, aligning organizational goals around compliance automation and digital banking capabilities.
• Bank of St. Vincent and the GrenadinesnotableStrategic or Co-development Partner · 7 January 2020Bank of St. Vincent and the Grenadines selected RiskCALM as a technology partner sharing common goals, values, and hope for risk management and digital transformation initiatives. The partnership involves implementing RiskCALM4 solutions for loan risk management and regulatory compliance.
• Core Banking System ProviderscoreTechnology or IntegrationRiskCALM4 has established integrations with multiple core banking systems and accepts new integration partnerships. The company uses CSV file data exchange for core system integration, with the platform already integrated to a number of core systems worldwide.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• SAS: SAS provides enterprise risk analytics, fraud detection, and AML solutions used by large global banks. It is a broad incumbent in the risk modeling and AML space where RiskCALM also competes.
• Temenos: Temenos is a large core banking and digital banking platform serving banks globally, including emerging markets. It competes on the core banking and digital account opening layers adjacent to RiskCALM's eCM Marketplace.
• Moody's Analytics: Moody's Analytics provides enterprise-scale regulatory compliance, credit risk modeling (including IFRS 9 and CECL solutions), and data products. It is a broad incumbent competing with RiskCALM in IFRS 9 risk modeling but at the tier-1 bank end of the market.
• NICE Actimize: NICE Actimize provides enterprise-scale AML, fraud, and financial crime compliance solutions to large banks. Overlaps with RiskCALM's AML/CFT/SAR capabilities at a larger institutional scale.
• Wolters Kluwer (Compliance Solutions): Wolters Kluwer offers regulatory compliance and risk management software for banks and credit unions, including BSA/AML and CECL solutions. Comparable to RiskCALM's integrated compliance positioning but serving larger institutions.
• FICO: FICO is the dominant analytics and credit risk decisioning vendor globally, with enterprise scoring, fraud, and AML offerings deeply embedded in large bank infrastructures. It competes with RiskCALM on credit risk modeling and AML transaction monitoring but at a much larger scale and price point.

Direct peers

• nCino: nCino is a cloud-based banking platform providing loan origination, account opening, and compliance workflows for financial institutions. It overlaps with RiskCALM's online lending and loan lifecycle management modules.
• Abrigo: Abrigo is a US-based credit risk and compliance platform for community banks and credit unions, offering loan origination, BSA/AML, CECL, and asset-liability management. It is the closest direct competitor to RiskCALM's community-FI compliance model in a different geography.
• Verafin: Verafin (now part of Nasdaq) is an AML, fraud detection, and compliance platform purpose-built for community banks and credit unions. It is highly comparable to RiskCALM's AML/CFT/SAR capabilities and target customer segment.

Others

• Temenos Quantum (formerly Akurateco): Temenos-adjacent regional banking software aimed at smaller and emerging-market FIs. Conceptually adjacent to RiskCALM's Caribbean and international FI focus, illustrating the type of regional specialist against which RiskCALM must differentiate.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Customer concentration

• Xx.com/RiskCALM
• Facebookfacebook.com/RiskCALM
• LinkedInlinkedin.com/company/riskcalm

Revenue estimate

Valuation estimate

Number of profiles

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 RiskCALM