Solutions

Adaptable & Scalable Software Solutions

Lumina Americas’ platform comprehends a suite of adaptable and scalable financial software solutions tailored to current dynamic market needs.

These solutions, built on a profound understanding of Emerging Markets characteristics, can be easily customized following specific client needs.

Lumina Americas software consist of different functional modules that can be enabled depending on client´s requirements and that make use a consistent technical architecture.

Competitive Diferentation

Uniquely Positioned

To provide Regional Solutions and adapt G-10
financial trading practices to Latin America

Leading-edge
Applications

That satisfy the most sophisticated demands of financial institutions in Latin America, integrating front, middle and back-office operations.

Highly Qualified Team

That combines a profound understanding of the financial markets with an extensive expertise applying technology solutions to satisfy business needs.

Strong capability

For understanding, modeling and valuation of complex financial structures.

Rapid Time

To market with existing and proved solutions for Latin America and Emerging Markets.

Advanced Front-office Tools

With focus on leading edge risk management methodologies.

Main Sectors

We provide coverage to the full spectrum of needs of the financial industry

Lines of Business

Lines of Business

Investment Banking
Brokers
Private Banking
Retail Banking
Fund Managers
Fintech
Registered Investment Advisor
(RIA)

Business
Areas

Business Areas

Sales & Trading
Operations, Treasury & Finance
Treasury, Risk and P&L Management
Private Banking & Retail Distribution
Custody
Funds Distribution
e-Trading
Portfolio Management
Collateral Management

Markets

Markets

Capital Markets
Forex
Debt & Money Market
Funds
Security Lending
OTC Derivatives
Listed Derivatives
Structured Products
Collateralized Products
LATAM Local Instruments

Our Solutions

Sales and Trading

Front & Middle Office Trading and Portfolio Management solution supporting the day-to-day business of financial institution for their own and thrid-party positions. Coverage for Multi-Financial Entity, Multi-Desk, Multi-Asset & Multi-Currency. The platform integrates:

Trade Capture

Fast blotter for registering deals and proprietary API

Order Management

Private Banking and Retail order templates based on Treasury mandates for both listed products and OTC instruments

Pricing

Real-time online marked to market and customized operational workflow

Workflows

Treasury and Exchange products offered by different commercial channels and means

Private Banking & Retail
Distribution

Multi Fund Manager repository for private banking and retail commercialization

Funds Distribution

Ex ante, Ex post, operational workflow controls and locks, with approval embedded processes

Risk & Limit Control

Liquidity Analysis with full projections and revaluations

Liquidity and Cash Management

ALM and GAP Analysis with Stress Scenarios

Collateral Management

Complete Lyfe-Cycle of collateral management agreements for clients, counterparties and exchanges.
Operations, Treasury and Finance

Middle & Back Office multi-product platform supporting the day-to-day business of financial institution for their own and thrid-party positions. Coverage for Multi-Financial Entity, Multi-Desk, Multi-Asset, Multi-Currency.  The solution incorporates:

Trade Capture

Fast blotter for registering deals and proprietary API

Workflows

Treasury and Exchange products offered by different commercial channels and means

Risk & Limit Control

Multi-dimensional financial risk control for books, traders, counterparts and clients, economic groups and portfolios, with ex ante, ex post and real time warnings

Liquidity and Cash Management

ALM and GAP Analysis with Stress Scenarios

Collateral Management

Complete Lyfe-Cycle of collateral management agreements for clients, counterparties and exchanges.

Settlement (FoP-DvP, Net/Split)

FoP-DvP. Net/Split. manual, automatic and algorithm-based

Operational And Corporate Events

Full life-cycle of transactions and positions: unwinds, rollover, cancelations, callable, refixing, observations, renewal, maturity, exercises, etc.

Payments

Standard and Customized connectivity with payments means (local clearing houses, SWIFT, Indeval, etc) based on proprietary standards

Custody

Wide custody account support, multi-product with ability to integrate external allocations for centralizing clients reports and collateral management

Accounting

Lyfe-Cicly event-driven accounting engine with dynamic, scripting-base roles for feeding general ledger

Taxes

Flexible framework based on specific country-products taxation

Flexible Regulatory Reports

Built-in Regulatory reports and DataSet technology for simplifying integration with regulatory proprietary middleware systems
Treasury, Risk and P&L Management

Front and Middle office solution providing a series of tools for multi products including real time

PnL & PnL Explained

Economic, realized, unrealized and theorical PnL with explained analytics with real time calculations

Stress Scenarios

Primitive Risk Factors stress with current and historical data for immediate revaluation of MtM and liquidity

VaR, ex-ante & ex-post Limit Control

Multi-dimensional financial risk control for books, traders, counterparts and clients, economic groups and portfolios, with ex ante, ex post and real time warnings + Real-Time VaR with intraday trading

Pricing

Real-time online marked to market and customized operational workflow

Liquidity and Cash

Liquidity Analysis with full projections and revaluations. ALM and GAP Analysis with Stress Scenarios

Multi-Financial Entity, Multi-Desk, Multi-Asset, Multi-Currency

Multi-dimensional aggregation levels across all the platform with appropriate audit and control
Private Banking & Retail Distribution

Multi-Product (listed and OTC) Order Management System for sales area, including
capture, execution and assignation orders in both regulated markets and internal
financial institution desks.

Pre-Trade Controls

with a sophisticated Validation Rules process

Collateral Management

Complete Lyfe-Cycle of collateral management agreements for clients, counterparties and exchanges.

Flexible Comercial Structure

for both visibility and PnL

Centralized client investment overview

Unique repository for clients porfolios management, report, control and performance

Fees Structure Definition

Powerful Fee Architecture with multi-dimensional levels: products, channels, means, tax impact, using local regulation formulas with settlement, accounting and custody impact
Custody

Custody Account treasury for cash and assets integrated with Lumina F2B platform and other external sources for a complete monitoring of balances and movements.

Main Repository

to use when settling with external counter parties

Centralized Account Statement for Clients

(multi product, multi account, multi asset)

Account Funnel

(subaccount profiles, multi-instrument's sources per client, multiple settlement mechanims, collateral management support)

Taxes & Custody Fees

Flexible framework based on specific country-products taxation. Powerful Fee Architecture with multi-dimensional levels: products, channels, means, tax impact, using local regulation formulas with settlement, accounting and custody impact

Portfolio Performance

Portfolio Performance reports

Corporate and Operational Event support

Full life-cycle of transactions and positions: unwinds, rollover, cancelations, callable, refixing, observations, renewal, maturity, exercises, etc.

Consolidates The Client's Custody

Wide custody account support, multi-product with ability to integrate external allocations for centralizing clients reports and collateral management
Funds Distribution

Efficient operational and commercial process for any kind of Mutual and Pension Fund managing a whole variety of complex characteristics and structures, naturally integrated with other solutions from the Lumina Suite.

Complete Setup

Of Fund Share Series And Parameters

Automatic (re) investment strategies

Automatic algorithm based processes for liquidity excess auto-investment

Stock Control

Fund trading limits, strock control and allocation

Trading Restrictions

(repurchase control, minimum balance aging, concentration per client, etc)

Tax component and regulatory reports

Flexible framework based on specific country-products taxation. Built-in Regulatory reports and DataSet technology for simplifying integration with regulatory proprietary middleware systems

Schedule

(capture/execution/pricing/settlement)
e-Trading

Order Management and Routing system for the capital market covering all the aspects of a trading operation. Client and Own orders real-time dispatching and reception, executions and assignment.

Live Market Data

Fresh market data connected to vendors by different technologies and architectures

Integrated E-Trading

with financial counterparts and exchanges by using
the FIX protocol

High Volume Of Orders

High performance Algo-Trading

Basket And Tickets Support

Specific market and trader orders for set of equities and order distributions in several clients

DMA Support

Direct Market Access for external brokers and applications

Separate Trading Station

As a execution platform for the negotiation of financial instruments in the BMV

FIX Engine

Detached FIX engine software developed to provide a standard messaging channel to interchange securities transactions information
Portfolio Management

Asset Management module responsible for keeping Investment Portfolios in line with compliance, rules and investment policy restrictions.

Portfolio Rebalances

based on customized algorithms, generating periodic adjustments to implement policy statements on performance returns

Portfolio Model

balance-based

Pre-Order Generations

Draft and portfolio rebalance pre-orders for later execution

Portfolio Performance reports

Integrated PnL and Performance attribution reports with F2B Lumina Suite

Asset Allocation

geographical distribution, liquidity targets, asset rankings and volatility
Collateral Management

Margin Calls and Collateral Management module for multiple margin call strategies per Client/Counterparty, Market or Transaction.

Flexible Strategies

customized formulas and eligible collaterals

Automatic margin call calculations

at configurable frequencies

Collateral Accounting

full collateral life-cycle allocation at account (custody) level integrated with F2B Lumina Suite

Collateral

(cash or asset) feeding from core or external systems

Multi-asset collateral management life-cycle and projections

Complete Lyfe-Cycle of collateral management agreements for clients, counterparties and exchanges.
Technology

Faster and smoother technologies for financial institutions 

With Lumina software, financial institutions can access cutting-edge technology that is fully adapted to market needs at unrivaled costs. Through its Research & Development department, Lumina continuously invests in the platform, enabling new technologies to be made available to all our clients. As a highly flexible platform, Lumina can be deployed modularly and integrated seamlessly into the client architecture through a wide variety of standard APIs. Lumina’s solution can handle large volumes of data at optimum performance without compromising reliability and security. 

The platform can be deployed on-premises, in a private or public cloud environment, or as PaaS. Lumina’s development cycle follows the CMMI model while optimizing processes using the latest agile methodologies. Lumina certifies the platform’s robustness and top standards with a thorough Quality Assurance team. 

Architecture

“Client-server software that allows the use of various modules, either from the Desktop application or from a thin client running in a variety of browsers.”

Elastic Processes

“Our services can be deployed within standard containers such as Kubernetes, allowing them to expand or shrink as required by each process.”

Cloud

“Streamlining infrastructure deployment, backed by the many benefits cloud technology provides. Deployment can be done on either public or private clouds.”

Integration

“Lumina products provide flexible integration with external systems due to their support for a variety of communication protocols using our APIs (RESTful, Soap, Queues, TCP, etc.).”

Security

“The communication between services is secured with protocols and authorization tokens. All authentication mechanisms are customized to each client's official process.”

Development

“We have the ability to program in different languages such as Java, Python, React, Javascript, C/C++, PL/SQL, which allows us to choose the technical solution that best suits the problem.”