612.719.6045

Tracy.Howard@StCroixTreasurySolutions.com

How St. Croix Treasury Solutions can help your business

Better understand and manage cash flows and operations.

When business is good, and cash receipts are strong, businesses often don’t pay attention to how efficiently their treasury and banking operations are working. Their focus is on bringing in new customers and developing new business. And while they work hard to collect receivables, they may not pay close attention to how that cash is invested once it is in the bank.




Increase the accuracy of your cash flow forecasting

Identify sources of risk and improve controls in day-to-day treasury operations

Evaluate short-term investment strategies to improve performance and mitigate risk

Identify and reduce potential vendor risk and costs

In the past, organizations have had confidence in the safety of their bank deposits and money market funds. Business as usual did not often involve in-depth analysis of a service provider’s financial statements or the current investments held by a money market fund. But when bank and investment manager failures dominate the headlines, these issues become much more critical.

St. Croix Consulting can help you:




Evaluate current financial service providers for potential risk

Determine how well your bank deposits and money market funds are protected by government insurance programs

Review banking relationships and account structure to improve efficiency and reduce fees


Document and implement investment policies that are right for your business

When investment returns are strong, companies often don’t worry as much about how strictly they are fulfilling the legal and fiduciary requirements related to the investments held in employee benefit plans. However, in the current financial environment, and with the increasing regulatory scrutiny expected into the foreseeable future, understanding your fiduciary and regulatory obligations and developing policies and procedures to protect your organization from unexpected investment losses and potential legal action are critical. St. Croix Consulting can help you:


Identify sources of fiduciary and investment risk and develop strategies to mitigate this risk

Evaluate investment strategies to ensure regulatory compliance

Develop and document appropriate benefit plan investment policies and procedures