Australian-built treasury risk intelligence, run entirely on your own infrastructure. Why that matters →
Regulatory

Built for APRA reporting, not retrofitted to it.

TraiQ is built around the prudential standards an Australian ADI reports against. Q reconciles the numbers, flags what looks wrong, and traces every figure back to the position behind it — so your returns are checked, evidenced and defensible before you submit.

The stance

A second set of eyes on every return.

TraiQ doesn't replace your reporting team or your obligations — it makes the work faster and far harder to get wrong. The platform assembles each return from the live position, reconciles it across systems, and surfaces every anomaly and variance for your team to review. You stay in control of what gets filed.

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Reconciled, not re-keyed

Returns are built from one consolidated source of position data — not hand-stitched across a dozen workbooks where versions drift and formulas break.

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Anomalies surfaced early

Q flags outliers, period-on-period jumps and figures that don't tie out — so you catch the error before APRA does, not after a resubmission.

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Every figure traceable

Each number on a return drills back to the exact positions behind it, with the methodology shown — a defensible, evidenced trail for review and audit.

The standards

The prudential standards TraiQ is built around.

Each standard below maps to how an ADI calculates, monitors and reports a risk family. TraiQ provides the live calculation, the reconciliation, and the assistance to assemble the return — the responsible person reviews and submits.

APS 210

Liquidity — LCR · MLH · NSFR
  • LCR, NSFR and Minimum Liquidity Holdings calculated live
  • HQLA classification and cashflow bucketing across tenors
  • Maturity ladder and survival horizon under stress
  • Period-on-period variance checks before the ARF 210 returns

APS 117

Interest Rate Risk in the Banking Book
  • ΔEVE and ΔNII under the prescribed interest-rate shocks
  • Re-pricing gap by tenor and currency, reconciled to the book
  • Hedge effectiveness and residual rate sensitivity
  • Assembly and variance-check of the IRRBB return

APS 112 / 113

Capital Adequacy — Credit Risk RWA
  • Standardised-approach risk-weighting of exposures
  • CET1 / Tier 1 / Total Capital with full RWA drill-down
  • Capital buffer and headroom monitoring
  • Reconciliation of RWA inputs before the capital returns

APS 220

Credit Risk Management
  • Exposure aggregated per name, sector and geography
  • Credit grading, stage migration and NPL monitoring
  • Provisioning aligned to IFRS 9 / AASB 9 expected credit loss
  • Large-exposure and concentration checks against limits

Coverage expands as the platform grows — additional standards and returns are added to the Regulatory workspace over time. TraiQ assists in producing returns; the ADI remains accountable for what it submits to APRA.

The reporting cycle

Where TraiQ sits — and where you do.

TraiQ does the heavy, error-prone preparation. The submission decision stays with your responsible person — by design.

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Ingest & reconcile

Position data pulled into one consolidated source and reconciled across systems and the ledger.

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Check & flag

Q runs the calculations and surfaces anomalies, variances and figures that don't tie out.

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Explain & evidence

Each figure traced to source, every variance explained — a defensible trail for review.

Review & sign-off

Your team reviews, adjusts and signs off — the responsible person stays in control.

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You submit

The return is filed by the ADI through APRA Connect. TraiQ stops at the line — it never submits on your behalf.

Accountability

Assistive by design.

TraiQ is a tool that helps your team produce accurate, well-evidenced returns. It reconciles, checks and explains — it does not certify compliance, and it does not submit. Accountability for each return remains with the ADI and its responsible persons. That separation is deliberate: it keeps you in control, and keeps the platform a safety net rather than a single point of failure.

Data sovereignty

Your regulatory data never leaves the building.

Reporting runs on the most sensitive data your ADI holds. TraiQ is built so that data stays entirely within your environment — which also simplifies your own third-party and operational-risk obligations as a regulated entity.

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On-premise

Installed behind your firewall on your server or VM. No vendor cloud, no regulatory data leaving your network.

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Bring your own key

Your own Anthropic or AWS Bedrock key. AI calls go direct from your environment — TraiQ never proxies, stores or sees your data.

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In-region & air-gap

Pin AI calls to an Australian region for onshore residency, or run fully offline with a local model and no external calls at all.

How deployment & residency work →

See it on your returns.

Walk through how Q reconciles, checks and evidences a return on our demo dataset — then talk about the standards that matter most to your ADI.