Behavioral models built for your balance sheet, not the industry's.
Empyrean Model IQ™ is behavioral modeling software for deposits, loans, and credit. It replaces vendor defaults and consultant studies with institution-specific models built from your own data and kept current as that data changes.
Trusted by more than 700 institutions
Your data. Your assumptions. One platform.
Empyrean Model IQ™ is behavioral modeling software for deposits, loans, and credit. It replaces vendor defaults and consultant studies with institution-specific models built from your own data, and kept current as it changes.
Your balance sheet, actively managed, not periodically reported.
Model IQ for Deposits.
Model deposit decay, beta sensitivity, and early withdrawal behavior including cannibalization analysis to separate new growth from internal balance transfers.
Model IQ for Loans.
Instrument-level loan prepayment modeling, with methodology that flexes by product type, so prepay speeds reflect your actual loans.
Model IQ for Credit.
Credit loss and recovery modeling from your own net charge-off history, using NCO, CECL, or PD/LGD.
Calibrated on your own book.
Models built from your own historical data rather than published industry averages, so every assumption traces back to a segment of your balance sheet.
Living models.
Signal-driven rather than schedule-driven. Assumptions stay current as your data updates, so you're never running ALM on a number that was accurate two years ago.
A glass box, not a black box.
Assumption documentation and a full audit trail are built in as models are calibrated, so nobody has to guess why the deposit beta changed this quarter.
Four ways to get a deposit beta. Only one of them stays current.
Vendor defaults give you an average. Consultants give you a snapshot. Model IQ gives you a living model built from your own data.
Where an assumption comes from decides whether your NII, EVE, and allowance reflect your balance sheet or someone else’s.
Vendor defaults are free, which is why most banks start there. The cost shows up later, in the distance between a published average and how your own depositors actually behave, and it lands in your NII and EVE.
Your assumptions and your ALM, on one platform.
Model IQ isn't an external study you import. It runs natively in Empyrean Dataverse, the single platform behind Empyrean ALM, FTP, and CECL, so the deposit betas in your NII and EVE, the FTP your treasury team prices to, and the loss curves in your allowance are all the same calibrated model.
No separate data management, no re-keying, and no gap between what one system reports and what another one says.
Your environment, with open architecture
On another ALM platform? The behavioral models still calibrate from your own data and come with documentation. The native integration into NII, EVE, FTP, and CECL is built for Empyrean ALM. If you’re on QRM, SS&C, or another platform, talk to your Empyrean representative about how Model IQ fits your environment.
See how we can help you model your own deposits, loans, and losses, from your own data, not a vendor's.
A $3B bank and a $30B bank don't run the same ALM shop.
Behavioral modeling looks different at a $3B community bank where one team owns ALM start to finish than it does at a $30B regional with a model risk function and a validation queue. So does the way Model IQ fits.
Professional behavioral modeling, without the quant team.
Model IQ builds the models from your own data and feeds them into your Empyrean ALM automatically, so your assumptions are yours, current, and grounded in your own numbers.
Your data, your models, your accuracy
Generic deposit and prepayment assumptions are averages, not your depositors, and your NII and EVE results inherit the gap. Model IQ replaces the borrowed assumption with an empirical model built from your own deposit, loan, and credit history, kept current as your data updates, so the gap closes and stays closed.
Model your own depositors.
Retire the periodic study.
No import button.
Documentation built in.
Built for the team you actually have
Your ALM team is small, and a real share of its time goes to assembling deposit and loan data rather than interpreting it. Model IQ runs institution-specific behavioral models without a data-science team or a standing consulting engagement, so your accuracy doesn't wait on headcount you don't have.
Start with Model IQ for Deposits.
No quant team required.
Right-sized.
One assumption set across ALM, FTP, and CECL.
Deposit, prepayment, and credit models all calibrate from your own data on one platform, so your model validation team reviews a single assumption set instead of three separate studies. Every cycle starts from the same calibration, which leaves no gaps between studies for errors to hide in.
Accurate assumptions across deposits, loans, and credit.
Clear model validation faster.
Stop reconciling numbers across systems.
Match the granularity your balance sheet needs.
Free your quant team from data wrangling.
Never stall on a thin or new segment.
Calibrated once, consistent everywhere
Model IQ runs natively inside Empyrean Dataverse, so the beta behind your NII run, the rate your treasury team prices to, and the curve behind your allowance all resolve to one calibration instead of three numbers you reconcile before the board meeting.
It’s a single source of truth for your behavioral assumptions.
Your data, your governance
Assumption change tracking is built into the platform as your models are calibrated, with more of that work automated as the platform evolves.
Compliance readiness comes out of the architecture rather than a separate exercise, and your validation queue starts from evidence instead of a scramble.
