Mirai Regulatory Reporting

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Mirai Regulatory Reporting is an AI-powered, comprehensive regulatory reporting software for banks, designed to manage regulatory compliance efficiently and turn reporting into a strategic tool. It transforms regulatory reporting from a manual, fragmented activity into a fully traceable, submission-ready workflow that goes beyond compliance to deliver deeper insight, foresight, and control over the institution's financial and risk position. Mirai Regulatory Reporting shares the same data model and calculation engine as Mirai ALM & Liquidity, Mirai AI, and Mirai FTP & Profitability, ensuring that regulatory outputs are consistent reflections of the same underlying data and assumptions used across the organization, eliminating reconciliation between risk, finance, and regulatory functions. Automated regulatory rules are applied immediately upon data loading, and regulatory templates are generated automatically in the exact format required by supervisors. Built-in validation checks, including cross-report verifications, guarantee consistency across submissions. Full contract-level traceability allows every reported figure to be traced back to its origin, ensuring audit readiness across key regulatory metrics and ratios such as IRRBB, LCR, NSFR, and CSRBB, reporting templates such as ITS and FR 2052a, and broader frameworks including Basel III/IV, covering both EU and US regulatory requirements. This has been validated through on-site inspections and regulatory audits with Tier I institutions. Beyond day-to-day reporting, Mirai Regulatory Reporting enables a forward-looking approach to compliance. Institutions can forecast key regulatory ratios at future reference dates, run stress scenarios on regulatory outputs, and apply balance sheet optimization strategies directly within the regulatory environment to assess their impact on key balance sheet metrics and regulatory ratios such as NIM, MVE, LCR, NSFR, and CSRBB. Its cloud-native architecture scales with growing data volumes and evolving regulatory requirements.

Mirai AI

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Mirai AI is a banking AI product designed to enhance how financial institutions model risk, forecast balance sheet dynamics, and make strategic decisions. Rather than acting as a standalone tool, it is deeply embedded within Mirai's risk modeling and ALM software ecosystem. It follows an explainable-first approach that delivers trusted and transparent intelligence, allowing teams to understand, trust, and act on model outputs without sacrificing governance, auditability, or control. Mirai AI comprises two distinct capabilities. Mirai AI Modeling is a next-generation analytical environment that empowers banks to expand analytical dimensions and operationalize advanced behavioral models, including Neural Networks, Gradient Boosted Trees, and Random Forests, built on deep, transaction-level historical data and continuous self-calibration. It enables more accurate modeling of key balance sheet drivers such as prepayments, non-maturing deposits (NMDs), and customer response to interest rate changes, and supports intelligent automation of manual processes such as Core and Non-Core deposit classification. Mirai AI also includes the Mirai AI Agent, an AI-powered expert companion designed to support day-to-day treasury and ALM operations. Teams can query data, explain metric variations, and generate executive-level insights using natural language, reducing manual analytical effort and accelerating time to insight. The Agent also shortens platform onboarding by answering questions about configurations, parameters, and use cases in real time. Beyond the Agent, the Mirai MCP Server allows institutions to connect their own LLM and enrich it with Mirai's deep domain expertise in ALM, liquidity, regulatory, and financial intelligence, creating a unified, context-aware intelligence layer tailored to their data, processes, and decision-making needs. Delivered within a scalable cloud architecture, Mirai AI integrates seamlessly with existing workflows across risk, treasury, and finance teams. It transforms advanced analytics into practical decision-making tools, helping institutions unlock the full value of their data while strengthening their financial risk management capabilities.