Case Study: Seacoast National Bank achieves RAROC-driven insights and faster, more efficient decision-making with Fiserv's integrated risk and performance solutions

Seacoast National Bank Integrated Risk and Performance Solution Supports Strategic Decision Making

Seacoast National Bank, a $2.3 billion community bank in Florida, needed to replace its in‑house budgeting system and unify disparate data, tools and processes to support a Risk‑Adjusted Return on Capital (RAROC) framework and better allocate capital by line of business. The bank built on its existing Asset Liability Manager from Fiserv and sought additional Funds Transfer Pricing and Management Planning and Control capabilities from Fiserv to enable accurate, line‑level RAROC and net‑income‑after‑cost‑of‑capital analysis.

Fiserv implemented Funds Transfer Pricing and Management Planning and Control integrated with Asset Liability Manager, introducing automation, one‑button variance analysis and line‑level reporting. The Fiserv solution halved month‑end reporting time (saving roughly 0.5–1 day), delivered individual RAROC line reports, supported a robust strategic financial plan and produced measurable efficiency gains and long‑term cost savings that improved Seacoast National Bank’s decision making and financial performance.

Seacoast National Bank

Chuck Shaffer

Executive Vice President