Treasury Services
Leaders in Payments, Trade Finance and Liquidity
At BNY Mellon Treasury Services, we don’t wait for the future to happen: we make it happen. Our business is defined not by innovation, but by reinvention. Across all three of our areas of specialization, we’ve established ourselves as industry leaders, improving existing products, integrating state-of-the-art technologies and introducing market-changing new capabilities.
In 2022, our business was recognized by The Banker with four awards for the firm’s innovative work to streamline and transform transaction processes over the year. The awards include 2022 Global Transaction Bank of the Year, Transaction Bank of the Year for North America, as well as top honors for Payments and for Trade Finance.
BNY Mellon also received two awards from EMEA Finance: Best Transactional Bank for Financial Institutions in EMEA and Best Payment Services for Financial Institutions in EMEA, and was also named Best Trade Finance Provider, North America by Global Finance in 2022.
Reinventing Payments
By 2017, US financial markets had not seen a new payments infrastructure introduced in more than four decades. That year, RTP® was launched, with BNY Mellon the first bank to originate a Real-Time Payment. Since then, we’ve been delivering instant payment and e-invoicing for institutions, as well as 24/7 bill pay and an unparalleled level of security. We continue to be leaders in this field to this day.
Digitizing Trade Finance
We are applying digital technologies such as blockchain to revolutionize the financing of international trade, connecting suppliers and receivers and keeping products moving around the globe.
Rethinking Liquidity
We are transforming how clients manage their liquidity, making the treasury function more efficient by developing new ways to assist you in your efforts to keep cash balances working for you, with new tools such as cross-currency sweeps.
Our Solutions by Client
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Cross-Border Payments
Cross-Border Payments
At BNY Mellon, we process an average of more than USD $1 trillion daily via CHIPS, Fedwire and international ACH. With branches in London, Frankfurt and Hong Kong, and a correspondent banking network of more than 1,600 global banks, we provide payments in the local currencies of 160 countries. Transactions may be initiated via SWIFT or draft or through one of our proprietary portals. Our payment solutions incorporate SWIFT gpi to provide increased transparency, speed and traceability.
Depository Services
Depository Services
BNY Mellon helps clients meet their daily cash needs by consolidating and tracking deposits from multiple accounting units while using only one depository account. Help achieve excellent funds availability at competitive prices, leveraging our extensive network of correspondent banks and strategic high-speed check processing. Clients can also help accelerate the conversion of payments received outside of the normal payment process using our remote deposit service.
Disbursements
Disbursements
Help improve funds management, expand information access and control and increase visibility into transactions through our disbursement solutions. BNY Mellon offers our clients timely notification of checks that will be charged to controlled disbursement accounts, as well as quick access to important check information via digitized images. Detailed pre-balance check data help our clients reduce account reconcilement time. Finally, fraud prevention tools help enable our clients to identify potentially fraudulent checks before they are paid.
Foreign Exchange
Foreign Exchange
BNY Mellon's full-service Foreign Exchange (FX) trading desk offers state-of-the-art execution across a range of currencies and traded products, with a full suite of currency trading capabilities such as spot, forwards and more. We offer a comprehensive FX solution that can meet all of our clients' trading, hedging, and payment needs, whether for active traders seeking competitive pricing or for investors who need help managing passive FX strategies.
Global Bank Payment Solutions
Global Bank Payment Solutions
In today’s complex global environment, our clients benefit from BNY Mellon’s vast network of payment services. Our solutions augment the investment lifecycle, both domestically and internationally, including U.S. dollar and multicurrency, treasury and commercial, low- and high-value, and one-time and repetitive payments.
Healthcare Solutions
Healthcare Solutions
BNY Mellon supports our healthcare clients in their efforts to maximize financial strength by helping to improve operating margins, cash flow and decision-making through the use of integrated data analytics, payments and efficiencies. We offer a full suite of working capital management solutions with flexible, integrated, value-added options that are customized to help manage the revenue cycle, gain efficiencies and reduce costs. These solutions help allow clients to:
- Consult and work with the payer community
- Determine eligibility
- Generate accurate primary and secondary claims\
- Automate the receivables and adjustment process
- Capture and post patient and non-patient payments
- Manage the credit balance and refund process
- Process disbursements and invest working capital
