TREASURY SERVICES

Innovation in global payments, cash management and trade solutions

Global Treasury Management Solutions

BNY is sparking innovation in global payments, cash management and trade solutions by unlocking new ways to do business that enhance services for clients.

For more than 240 years, BNY has served as a connection point for global money movement and an innovator at the forefront of change. Our bank has served as a proven haven in times of turbulence and stability, built a legacy of client and industry trust that puts resiliency at the cornerstone of our business.

BNY creates value for our clients by building platforms that complement evolving economic conditions, establishing strategic alliances addressing the needs and expectations of the markets we support and enhancing and modernizing infrastructure.

Innovative Treasury Management Solutions

BNY leverages advanced technology and a data-driven approach to offer secure, fast and customizable solutions, ensuring that clients can navigate the complexities of modern finance with agility and confidence.

FASTER PAYMENTS

OPERATIONAL EFFICIENCY

GLOBAL CONNECTIVITY

DATA-DRIVEN INSIGHTS

DIGITIZED EXPERIENCE

Accelerate Business Transactions

The demand for instant payments has grown exponentially in recent years but business adoption has been slow to follow demand in the United States. There are mutual benefits for both consumers and businesses to adopt instant payment options: faster payments can help address a business’s cash flow issues while delivering funds at speed and more securely to their customers.

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FEATURED SOLUTIONS

Real-time payments are transforming the financial ecosystem; instant payment rails such as The Real-time Payments® Network and FedNow Service® enable more efficient money movement for businesses and their end- consumers through immediate settlement and 24/7 availability. They are designed to deliver increased efficiency, transaction certainty and data-rich payment exchanges to help create an improved customer experience.

Optimize your digital payments journey

BNY's end-to-end digital payments solution enables payee choice for digital disbursements. Vaia’s flexibility provides an optimal payments experience, designed to allow payees to receive funds securely and efficiently. The digital payments options currently available on the platform include instant bank transfers, BNY’s Tokenized Payments with Zelle® Solution, Payment to Debit Card and MoCaFi® Prepaid, Contactless Debit Card.

Explore Vaia

Streamline Workflow Processes

In today’s fast-paced, competitive environment, businesses are seeking resources that support strategic decision-making to enable more efficient and seamless workflow processes. Our global payments solutions help enhance the speed and convenience of transactions and are critical for supporting modern commerce demands and improving cash flow management while keeping funds safe and secure.

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FEATURED SOLUTIONS

Global payment transactions can be complex and the need for more efficient and transparent processes is key. With a strong correspondent banking network, and as a multicurrency payment and foreign exchange (FX) provider, BNY offers clients the ability to deliver payments across geographies through a consistent, optimized experience. With centralized access to all major payments networks for USD, EUR, and GBP, covering wire, ACH and instant payments, BNY also offers settlement through an expansive network into various countries and currencies across the globe for an end-to-end global payments solution.

Explore cross-border payment solutions

Long known as the leading money market fund investment portal, LiquidityDirect^SM has transformed to a comprehensive short-term investment platform. LiquidityDirect offers a variety of innovative solutions to meet your dynamic investment and risk criteria and is designed to help execute your liquidity strategy. With access to a suite of more than 100 investment vehicles, integration with multiple Treasury Management workstations and many Focus Investing options, we offer end-to-end solutions for liquidity management.

Explore LiquidityDirect

Move Money Globally

Playing an active role in key financial markets and strategic business hubs is crucial for operating in today’s global economy. BNY’s transaction banking solutions and global trade network offer clients the opportunity to extend global reach and facilitate payments more seamlessly across borders. With strategic trade centers and a robust correspondent bank network, clients can seamlessly do business where it matters the most.

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FEATURED SOLUTIONS

Collaborating with a provider that offers a one-stop-shop for all trading, hedging and payments needs is key when managing execution across borders. BNY’s extensive FX payments infrastructure and local market expertise can help clients to make payments in 160+ countries and take in receivables in 50+ countries without having to maintain local currency accounts.

Download FX Factsheet

Our global trade network and products help facilitate the free flow of cross-border goods and services, help clients transition from traditional to more innovative forms of settlement mechanisms, and deliver efficient working capital solutions when they need it most.

Drive Strategic Decision-Making

Harnessing the power of data analytics to unlock key insights to deliver actionable intelligence is critical to help uncover opportunities for differentiation, digitalization and commercialization. Our Treasury Advisory team provides an in-depth analysis of market trends and business opportunities for our clients.

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FEATURED SOLUTIONS

BNY’s strategic advisory services help optimize clients’ treasury operations including risk management, liquidity optimization and process automation. Our consultative approach formulates a 360-view that helps unlock insights on client, industry and market dynamics to enable and evolve treasury strategy and operations.

Optimize the Client Experience

As business and consumer demands continue to accelerate, the expectations for a seamless client experience are on the rise. BNY's digital channels can provide a frictionless, personalized journey for our clients. These self-service options can eliminate the burden associated with countless administrative and high-volume tasks and enable a collaborative environment with our clients.

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FEATURED SOLUTIONS

The Treasury Services API Developer Portal provides a centralized location for accessing a suite of APIs, enabling seamless integration for your treasury and cash management needs. With a focus on simplifying API consumption and enhancing user experience, the site supports clients in automating and optimizing their treasury workflows through secure, scalable and customizable solutions. It outlines our breadth of digital solutions working with clients’ existing systems to help them succeed in today's real-time global economy.

Explore Treasury Services Marketplace

Delivering an intuitive and personalized experience that meets the demands of a strategic treasury function all in a single portal is essential. BNY's TreasuryEdge^SM offers a single place to view all services clients need to manage their treasury accounts and to help optimize daily workflows.

Download TreasuryEdge Brochure

Global Cash Management: Managing Cash Flow Securely

Efficient global cash management is vital in today’s macroeconomic landscape. Corporate treasurers want more visibility and control over their working capital and are constantly looking for new ways to enhance their liquidity. Financial institutions want to manage the day-to-day administration of operating in/outflows, typically on an inter/intra basis, both domestically and globally. BNY offers a comprehensive front-to-back cash management suite of virtual and physical account solutions to optimize cash, maintain adequate liquidity, rationalize accounts and maximize yield to help customers meet the challenges of today’s sophisticated global marketplace.

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Liquidity Management and Solutions

We can deploy a variety of short-term investment options using various instruments and distribution channels and provide a holistic account view with robust data analytics to enable effective decision making that ensures funds are in the right place at the right time to survive and thrive in unpredictable market conditions.

LiquidityDirect^SM  Now Best for All Your Liquidity

A global leader in providing access to money market funds (MMFs) for over 25 years, LiquidityDirect supports $15 trillion in annual MMF transaction flows for more than 6,000 clients across every segment and region.* LiquidityDirect has evolved beyond a digital portal to a complete, short-term investment platform, helping deliver the best investment and liquidity options through a big-picture portfolio view.

_{* BNY, as of June 30, 2023.}

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Global Payment Solutions: Simplifying Transactions and Services

The value exchange between financial services providers, businesses and consumers is evolving. With a growing need for digital transformation, global connectivity, speed and transparency, banks and other payment providers are enabling innovation through new products and relationships that deliver interconnected solutions.

The momentum of change in payments continues to accelerate and BNY has served as a pioneer in the industry for decades. By delivering more integrated services, enhancing products and serving as a consultative advisor alongside industry participants, we are working to anticipate our clients’ needs and solve them in a more efficient and transparent manner.

DISBURSEMENTS

As the transition from paper-to-digital inches forward across the payments landscape, the market demand for faster, safer money movement has increased. Through a single integration with BNY’s Vaia® – a digital payments platform – clients can offer their payees a variety of real-time payments and digital disbursement options to receive funds securely and efficiently via their payment method of choice.

RECEIVABLES

Automation, security, digitization and payer optionality are influencing how businesses operate their accounts receivable function. Understanding and executing a comprehensive receivables strategy that takes these factors into account and optimizes corporations’ cash flow is critical. Identifying the right priorities, roadmap and ways to speed up and enhance remittances is key to this success.

BNY’s suite of receivables services support a variety of channels from online and mobile biller-direct solutions, aggregation and collection of payment from home banking options all the way through to traditional paper receivables. Our holistic view of multi-channel and multi-payment type remittances helps manage customers’ working capital and reconciliation by payer choice.

Protecting Your Payments: Strategies for Fraud Mitigation

Payment fraud is a growing market concern as the industry transitions from a traditional to a more digitized world. BNY’s fraud prevention services provide robust tools to help our clients validate account status, account ownership, identity verification and other self-service controls which help to mitigate potential fraud for a safe and efficient payment process.

Views | Regulation

Protecting your payments: strategies for fraud mitigation

Stephanie Modar, Senior Vice President, Product Management for ACH and Validation Services, BNY, discusses key considerations when fighting payments fraud, and how the combination of regulatory and technology enhancements enables effective fraud mitigation and secure transactions.

Explore Fraud Mitigation

Views | Digitization

Digital banking trends: challenges, risks and solutions in APAC

Digital banking transformed the financial landscape, including Asia-Pacific (APAC). As banks adopt digital solutions, they face new challenges, especially as transactions process faster.

Discover Digital Banking Trends

Banking as a Service

What is Banking as a Service? How can it support businesses' growth? Carl Slabicki, Executive Platform Owner, BNY Treasury Services, and Christine O’Reilly-Stewart, Director of Product Management for Banking as a Service at BNY explore key considerations when picking a BaaS provider.

Read more about BaaS

Strategic Alliances

Through collaborations with best-in-class providers, we are committed to co-innovating, leveraging collective strengths and extending our mutual reach to advance a shared mission of delivering unparalleled value to our customers.

MOCAFI®

Through BNY’s collaboration with MoCaFi, we have launched a digital disbursement service to reach unbanked and underbanked individuals throughout the United States.

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INSTANT PAYMENTS

By integrating both the FedNow Service® and The Clearing House’s Real-Time Payments (RTP^®) Network via a single solution, we are now providing a comprehensive offering for clients across both U.S. digital payment networks.

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BANKIFY^SM

In collaboration with fintech Trustly, BNY launched Bankify, a new, safe and cost-effective payment method that merchants can offer their clients to pay with their bank account through a seamless experience within their online or mobile platforms.

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ISO 20022 - A New Global Messaging Standard for Payments

ISO 20022 is a harmonized messaging standard that creates a common language between financial institutions across the globe to help enable faster processing and improved reconciliation of high-value and cross-border payments.

The transition promises significant impacts on financial institutions over the coming years. BNY understands the strategic implications of ISO 20022 and is helping clients navigate the terrain of cross-border payments transformation.

Get Ready for ISO 20022

REIMAGINING

TREASURY AND TRADE SOLUTIONS

FACILITATING GLOBAL TRADE:

As the exchange of goods and services grows, the need for reduced risk and more efficient processes involved in trade finance continues to increase. BNY's global trade network and products help facilitate the flow of cross-border goods and services, help clients transition from traditional to more innovative forms of settlement mechanisms, and delivers more efficient working capital solutions.

CORE TRADE FINANCE

As a global bank, we provide fundamental financial services and products such as letters of credit and trade finance loans. These solutions play a central role in supporting the flow of goods and payments between buyers and sellers across borders, contributing to the stability and efficiency of global trade.

PORTFOLIO MANAGEMENT

With strong and stable fundamentals, BNY can serve as strategic advisor to customers during periods of macroeconomic turbulence. Our synergistic product offering can help customers optimize their balance sheets, minimize risk and achieve desired investment objectives.

WORKING CAPITAL

BNY plays a crucial role in providing working capital solutions to businesses, ensuring they have the funds necessary for their operations and to help sustain their activities on an international scale.

Public Sector Banking Solution: MoCaFi® - Enabling Financial Empowerment

Listen as Global Head of Treasury Services Jennifer Barker and MoCaFi Founder and CEO Wole Coaxum, discuss why getting more dollars to the people who need it makes good business sense.

Watch Video

Government Banking Solutions

The global economy relies on the banking system, and its resilience is reinforced when increased access to capital and financial services extends to a broader audience, especially those in underserved communities. BNY is here to help government treasury professionals navigate fast-paced change and evolving trends to carry out their responsibilities and further opportunities to the communities they serve.

Explore Public Sector Banking Solutions

EXPERT POINTS OF VIEW

Views | Digital Payments

Payment investigations: from evolution to revolution

Discover how BNY is contributing to the transformation in payment investigations, reducing inefficiencies, and enhancing transparency for financial institutions.

Views | Cash Management

Working capital management considerations for corporates

As macroeconomic factors continue to put pressure on corporate treasurers' working capital requirements and there's no one size fits all approach, there are overarching strategies that can help meet challenges of optimizing operating cash, maximizing yield and managing risk.

Views | Digital Payments

Three payment trends shaping public sector banking

The payments landscape is rapidly changing, with traditionally paper-based processes being replaced by digital alternatives — bringing with them lower costs and increased efficiency, as well as the potential to reduce fraud risks and improve customer experiences and relationships.

Views | Cash Management

How corporate treasurers can optimize cashflow

Virtual accounts have emerged as a strategic solution for corporate treasurers to address complexities associated with traditional bank account structures and seeking smarter ways to manage liquidity, improve working capital and increase operational efficiencies.

RTP is a registered service mark of The Clearing House Payments Company L.L.C.
FedNow is a registered service mark of the Federal Reserve Banks.

Ready to learn more about Treasury Services?

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TREASURY SERVICES

Innovation in global payments, cash management and trade solutions

Ready to learn more about Treasury Services?

Global Treasury Management Solutions

Innovative Treasury Management Solutions

Accelerate Business Transactions

Ready to learn more about Treasury Services?

FEATURED SOLUTIONS

Streamline Workflow Processes

Ready to learn more about Treasury Services?

FEATURED SOLUTIONS

Move Money Globally

Ready to learn more about Treasury Services?

FEATURED SOLUTIONS

Drive Strategic Decision-Making

Ready to learn more about Treasury Services?

FEATURED SOLUTIONS

Optimize the Client Experience

Ready to learn more about Treasury Services?

FEATURED SOLUTIONS

Global Cash Management: Managing Cash Flow Securely

Liquidity Management and Solutions

LiquidityDirectSM Now Best for All Your Liquidity

* BNY, as of June 30, 2023.

Global Payment Solutions: Simplifying Transactions and Services

DISBURSEMENTS

RECEIVABLES

Protecting Your Payments: Strategies for Fraud Mitigation

Banking as a Service

Strategic Alliances

MOCAFI®

INSTANT PAYMENTS

BANKIFYSM

ISO 20022 - A New Global Messaging Standard for Payments

REIMAGINING

TREASURY AND TRADE SOLUTIONS

CORE TRADE FINANCE

PORTFOLIO MANAGEMENT

WORKING CAPITAL

Public Sector Banking Solution: MoCaFi® - Enabling Financial Empowerment

Government Banking Solutions

EXPERT POINTS OF VIEW

Ready to learn more about Treasury Services?

Ready to learn more about Treasury Services?

LiquidityDirect^SM  Now Best for All Your Liquidity

_{* BNY, as of June 30, 2023.}

BANKIFY^SM