Financial Institutions
When the Numbers Don’t Add Up.
From derivative mis-selling and investment-linked disputes to internal fraud and system-level abuse, financial institutions face claims where technical, contractual and financial questions converge. Quantum reconstructs the facts, tests loss methodologies and traces responsibility across parties to quantify the real exposure - whether the issue is suitability, aggregation, fraud or methodology.
Financial Institutions Case Studies
The Trading Error
Errors & Omissions / Fund Manager
An operational error triggers an unauthorised full redemption on a segregated managed account. The mistake remains unnoticed for over a week. Quantum tests three competing methodologies to determine the actual economic loss.
USD 3 million
The Serial Swap Claims
Mis-Selling / Investment Bank
An investment bank faces near-simultaneous derivative mis-selling claims from institutional clients linked to the same product design. Quantum maps the alleged causes to test whether the claims form one event or several.
USD 200 million
The Underperforming Fund
Lack of fiduciary duty / Life Insurer
Policyholders challenge the sale of an investment-linked life product after the reference fund loses most of its value. Quantum maps responsibility across insurer, distributor and fund manager to isolate the realistic exposure.
EUR 20 million
The Forged Portfolio Statements
Fidelity / Private Bank
A private bank discovers that a relationship manager forged a client portfolio statement. A wider review uncovers irregularities across the client book, allowing Quantum to separate substantiated losses from disputed allegations and prior settlements.
EUR 30 million
The Ghost Deposits
Fidelity / Regional Commercial Bank
A long-serving branch manager drains customers’ fixed-deposit accounts using fabricated renewal certificates and suspense accounts. Quantum reconstructs the deposit history and concealed transfers over several years.
USD 6 million
The Self-Approved Overdraft
Fidelity / Regional Commercial Bank
An IT employee with privileged core-banking access repeatedly increases his own credit facility without normal approval. Quantum analyses system logs and access records to reconstruct the bypassed controls and quantify the unauthorised benefit.
USD 500 K