Stop reconciling. Start leading.
The integrated financial management platform for regional financial institutions. One source of truth across treasury, FP&A, and risk, so finance and treasury finally work from the same numbers.
Trusted by more than 700 institutions
Trusted numbers.Trusted decisions.
Most never get there. The choice has always looked like a trade-off: keep the systems each team relies on and accept they never agree, or replace them all and hope one platform runs deep enough. Sophistication, or a single source of truth. Either way, you pay the reconciliation tax.
Empyrean runs sophisticated ALM, budgeting, and profitability on one platform, with one data model, one FTP, and one set of assumptions. Finance and treasury stop arguing over whose numbers are right, because there is only one set. The integration is the multiplier, not the requirement.
One source of truth.
Enterprise-grade modeling depth.
Built to scale through every threshold.
Everything your finance function needs to lead
Built for regional institutions, each solution strong on its own and stronger together on one platform. Most start where the need is greatest, then expand as the integration compounds.
Run risk the board and examiner trust
As you approach the $50B threshold, liquidity risk management comes online on the same platform, with no new system to stand up.
Key Capabilities
- Dynamic balance sheet simulation. Forward projections with growth and strategic assumptions, not static shocks.
- NMD behavioral modeling. Deposit behavior calibrated to your institution, not market averages.
- FTP engine built in. The transfer pricing that drives profitability, defined once and shared.
Plan, reserve, and price from one set of numbers
Key Capabilities
- Budgeting and Planning. Multi-LOB balance sheet and income statement planning with consolidated roll-up and native ALM integration.
- Profitability. Organizational and instrument-level profitability with FTP built in as the allocation engine.
- CECL. PD and LGD modeling by loan segment, sharing economic scenarios and balance sheet data with ALM on one calculation engine.
- Governed and auditable. A central model repository with version control, Q-factor approval workflow, and a full audit trail for examiners.
- One set of assumptions. Rate scenarios, FTP, and cost allocations defined once and shared across all three.
Sharper models. Self-serve answers
Key Capabilities
- Behavioral modeling. Institution-specific deposit, loan, and credit models, transparent and audit-ready, built into ALM, CECL, and planning.
- Pre-built dashboards. Banking KPIs out of the box, including NIM, efficiency ratio, concentration risk, and LOB performance.
- Self-service, no BI team required. Build reports and schedule delivery without an IT or data science dependency.
From the work of data to the work of strategy
At Hancock Whitney, the monthly ALM build was a full day of manual work, more than eighty steps run by hand. Every cycle, analyst capacity that should have gone to strategy went to assembling data instead.
With Empyrean, that build became a push-button process. The team got a full day back each cycle and moved from running the model to interpreting it. The data work that used to define the job is now the part the platform handles.
80+
Manual steps automated
1 Day
Of production time saved every cycle
Strategy
Where the teams time goes now. Understanding the number and acting in real-time.
The reconciliation tax is recurring. Switching is once.
Questions regional CFOs ask before they switch
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The question is not whether each system works on its own. It is what happens at the boundaries between them. When your ALM model and your profitability system use different FTP rates, you cannot present both to the board as one answer. Empyrean does not ask you to abandon what each function does well. It removes the reconciliation tax between functions. Most institutions start by replacing one system and add the others as the integration value compounds.
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Yes. The same platform runs institutions from $500M to $200B, and the regional configuration is the full modeling engine, not a scaled-down version. Cash flow ALM, nonparallel rate shocks, RAROC, and economic scenario modeling are standard. Among institutions running Empyrean, 77% run ALM simulations quarterly or more, and 75% run nonparallel rate shocks. Chartis named Empyrean a Category Leader in all six categories of the ALM 2025 RiskTech Quadrant.
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Most failed implementations are a product-fit problem, not a project-management one. Generic enterprise tools need months of customization to model banking’s data relationships: loan-level cash flows, FTP, the link between risk and performance. Empyrean was built for banks from the ground up, so those are the foundation, not configurations. What takes a year with a generic tool takes weeks here, because there is no translation layer between the software and the way banking works.
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Three lines. The reconciliation tax: the analyst hours spent every cycle making outputs agree, a recurring cost you can quantify. Decision speed: board questions that take two weeks to answer take hours. Risk reduction: one source of truth removes the class of error that surfaces as an FTP mismatch in the ALCO or a stress test that contradicts the budget. The switching cost is one time. The reconciliation tax is every cycle.
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Light. Empyrean is cloud-based and connects to your existing data through standard integrations. The work is led by your finance team with Empyrean’s implementation specialists: defining assumptions, configuring the model, validating outputs. If you are mid core conversion, that is an argument for Empyrean, not against it, because a modern core feeds clean, structured data straight in.
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Empyrean holds a 95% or higher client retention rate across its financial institution portfolio. Institutions running the platform at $40B and beyond are not staying for lack of alternatives. They stay because it delivers. The question cuts both ways: a point-solution stack that already fails the institution every cycle carries its own risk.