Simplify Public Deposit Collateralization

Designed for Your Existing Bank Environment

CDM provides a straightforward approach to bank collateral management without a complex core integration.

Works with data from virtually any core system through a simple daily file import.
Operates within your institution’s environment rather than requiring customer data to be sent to an outside network.
Allocates deposit balances to available collateral in seconds.
Produces and archives reports and collateral confirmations automatically.
Accommodates individual public depositor and collateral requirements.
Helps your team complete daily public deposit collateral updates in minutes.

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LESS

Operational Burden

One master custodial agreement between the bank and the custodian; and one agreement between the bank and the public eantity reduce repetitive document routing.

Collateral Efficiency

Using fractional interests eliminates the need to tie-up an entire security for a smaller balance. On average, the use of fractional interests makes collateralization 30% more efficient.

FASTER

Portfolio Mobility

Substitutions can be made under pre-established collateral coverage rules and there is no need to waste anyone’s time or wait for every party to sign off on each movement.

What CDM Helps Your Bank Accomplish

Automate Collateral Calculations and Allocations

CDM imports public deposit balances from your core system, calculates collateral requirements, and allocates available securities in seconds—reducing manual calculations, data-entry errors, and administrative work.

Reduce Public Deposit Over-Collateralization

Use pledged securities more efficiently across municipal and government deposit accounts. CDM helps prevent excess collateral from being unnecessarily restricted when it could be available for other institutional needs.

Support Compliance and Audit Readiness

Maintain organized records, archived confirmations, and clear reports that help your institution demonstrate that public deposits are properly collateralized in accordance with applicable requirements.

Keep Public Deposits Local

Secure public funds using eligible collateral your institution already owns—without moving deposits into external deposit-placement networks or investment products. Your bank retains the deposits, liquidity, and valuable public entity relationships.

Simplify Reporting for Public Depositors and Custodians

Automatically produce, archive, and deliver collateral reports and confirmations, giving municipal and government customers greater transparency into how their funds are secured.

Average results when using CDM:

50%

Less time spent managing collateral

38%

Less collateral used

The Bottom Line

A well-designed “Hold-In-Custody” (HIC) type of custodian Agreement can deliver protections comparable to a Tri-Party custodian agreement while allowing the bank more control over collateral usage, permitting fewer transaction-level signatures, and optimizing the use of collateral with the ability to allocate fractional securities (fractional interests) across public entities.

Save time. Reduce collateral. Keep local deposits local.

Replace hours of manual collateral management with a few minutes of controlled, documented oversight. Discover how Collateralized Deposit Manager® can help your bank improve efficiency, support compliance, reduce unnecessary collateral usage, and strengthen its relationships with public depositors today.

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