How banks structure teams and systems to manage liquidity daily #Liquidity #Banking #Treasury
7 April 2026·1 min
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Welcome to Liquidity Day 4 from the Industry Portal liquidity management course.
In this session, we move from theory into practice by exploring how banks structure themselves to manage liquidity risk on a day to day basis. This includes the organisational setup, governance frameworks, and systems that enable effective monitoring, control, and decision making.
You will gain a clear understanding of how key functions work together, including Treasury, Liquidity Risk Management, Finance, Technology, and senior leadership. We explain how Treasury manages funding, liquidity buffers, and market access, while Liquidity Risk provides independent oversight through limits, stress testing, and scenario analysis.
Governance is a central focus, including how Boards define liquidity risk appetite, how ALCO oversees liquidity decisions, and how the Three Lines of Defence model ensures accountability and challenge across the organisation.
We also explore the systems and infrastructure behind modern liquidity management, including reporting engines, real time dashboards, stress testing tools, and regulatory platforms supporting metrics such as the Liquidity Coverage Ratio and Net Stable Funding Ratio.
For global banks, we examine how liquidity is managed across entities and jurisdictions, including regulatory expectations from authorities such as the Prudential Regulation Authority and European Central Bank, as well as intragroup funding and ring fencing considerations.
By the end of this session, you will understand what a robust liquidity management framework looks like in practice and why people, processes, governance, and systems are all critical to maintaining resilience.
This session sets the foundation for the next stage of the course, where we begin a deep dive into regulatory metrics starting with the Liquidity Coverage Ratio.
Subscribe to Industry Portal for the full liquidity management series.
#IndustryPortal #LiquidityManagement #Banking #Finance #Treasury #RiskManagement #ALCO #BaselIII
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