A Software Solution Everyone in Treasury Management Should Have

PFITR Software solution
A Software Solution Everyone in Treasury Management Should Have

Treasury management includes everything that has to do with the methods and tools required to handle all of the financial holdings of an enterprise. Sometimes, it is referred to as cash management but these two are very different. Actually, cash management is a division of treasury management and it deals with the daily activities for an entity’s liquidity and cash flow. While treasury management, deals with the whole financial activities that go beyond liquidity and cash management, short-term borrowing and investment; it covers operational and financial risk, long-term borrowing and investing. All the variables that keep a business with a healthy economic value.

Every organization, government agency and any other business that deal with money, need a specific department and individual, solely dedicated to manage their resources and figure out how to best take care of their cash flow. And this is exactly why, when they have enough resources, they must carefully analyze how to manage their funds, consider investing some money and determine how much cash they should keep. Of course, all the mentioned entities will function differently, have distinctive purposes and objectives but the concept of their treasury activities are similar when developing the best-practices on the essentials of treasury management.

Treasury operations must always include these considerations to ensure positive results in their entity’s economic growth:

  1. 1. Investment decisions.
  2. 2. Financial decisions.
  3. 3. Dividend decisions.

Which should include in-depth analysis of:

  1. 1. Cost.
  2. 2. Efficiency
  3. 3. Risk.
  4. 4. Return on Investment (ROI)

Does it sound easy? Well, it is not…let us see in detail.



To achieve the most common goals in treasury management and make proper investment decisions, the treasury professionals need to understand and always consider many things, such as:

  1. 1. Forecasting: Planning the current and future financial necessities in a cost-effective and timely approach. Involves plan for future investment.
  2. 2. Cash management and Liquidity: Ensuring sufficient availability of cash for operational needs.
  3. 3. Investment management: To maximize return on investment.
  4. 4. Risk management: Strategies to mitigate risks.
  5. 5. Laws and regulations: Understand financial services regulation and comply with monetary and government authorities.
  6. 6. Relations: To maintain long term relations with banks and other stakeholders.
  7. 7. Working capital management: To manage working capital and advising management on the impact of policy changes if any.

Traditionally, a successful treasury role was limited to ensure adequate liquidity and safekeeping of cash resources. But now, the role in any financial position has been dramatically evolving with the evolving technologies, economic crises and constant changes in the way businesses manage their endeavors worldwide, including the interconnections that happen between economic growth around the globe. So now, this very specific endeavor requires a more strategic role.

The treasury professionals are always working with many other internal departments that are in charge of sales, marketing, accounting and reporting, taxes, legal, IT, and others to develop a comprehensive strategy with the main objective to support portfolio instruments. Nevertheless, the treasury department takes on additional responsibilities like being the leader in many key areas such as decision making and capital allocation; and are under the close scrutiny from the executive managers and stakeholders. And even though they are only managing the money that the rest of the organization should be focused on producing, the revenue and profit generation are major components determining the financial departments and treasury managers’ effectiveness. Did I mention this was not simple at all?

Since fiduciaries have taken on additional responsibilities and are influenced by many decision makers and different operators, they rely on different resources to accomplish managing all the information they need to calculate all those numbers that they need to look after, but even with the available technology today, there are some key challenges they are facing such as:

  1. 1. Lack of user-friendly software solutions.
  2. 2. Affordable tools.
  3. 3. Easy access to information.
  4. 4. Able to easily and quickly generate reports.
  5. 5. Compliance with regulators.
  6. 6. Guidance & coaching when required.


It is clear that there has to be some financial tools which can leverage investment decisions and help the job of this treasury professionals so they can stay on top of their operations and balance their decision-making process, based on transparent up-to date market information, so they are certain to be making risk -adjusted investment and strategic decisions.


Having learned first-hand about the complications and multiple responsibilities that treasury managers face, Jim Koetting concluded that this field of business was in huge need of creating a solution that could help them accomplish their job and ultimate financial goals with less risk and more gain. And this is how he came up with the software solutions that PFITR offers. Since Jim had been a broker, and later on trained thousands of Treasurers and others in financial positions, he had the insights of both worlds, the public investors and fiduciaries, as well as the brokerage practices in the bond market. So he developed PFITR’s flagship product, the Bond Price Validation tool (BPV), that provides public fiduciaries the information that they need to make optimal investment purchases, while also being coached on the best investment practices.

But also, PFITR is ready to start talking to treasury professionals for the purpose of identifying a solution that fits their necessities.

We can already see how the BPV tool is the only affordable and easy to use technology that can report the investment history when required to comply with regulators, and how taking care of the part of managing a fixed income portfolio with a user-friendly tool and transparent information is going to improve the investment practices of the treasury, so now we only have to take care of the other parts of treasury management with an just as easy to use tool like the BPV, that prioritizes the satisfaction of its users, and the rest of the organization they report to.

PFITR wants to offer fiduciaries an unprecedented level of market transparency for their investment and treasury management, so they may consistently make the right investment decisions, mitigate risk and improve their cash management for their organizations.

With treasury management playing an expanded strategic role, these financial professionals should reach out to the PFITR team to discover the technology solution they need to help them achieve successful treasury management development.

For more information, please visit: www.pfitr.com


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