Why R&T

Empowering Growth & Profitability

We offer innovative, flexible and tech-enabled services designed to meet the needs of sophisticated financial services firms. We help our clients by simplifying and automating complex cash sweep and lending processes. This enables our clients to focus on their core business and allocate resources to grow their business and enhance their customer relationships.

Our extensive client network includes hundreds of banks, depository institutions, trust and wealth managers and broker-dealers.

When combined, the power of this interdependent network enables us to maximize the value we can offer our clients. Each solution is customizable to meet our clients' unique cash sweep, deposit funding, and securities-based lending needs.

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Our technology-centric approach gives us an innovative advantage.

We leverage technology to create differentiated offerings.

While several cash sweep, balance sheet management and securities-based lending systems exist, many are adaptations of systems that were originally designed for other purposes.

Each of our systems was designed with a specific purpose in mind and, in collaboration with our clients, further enhanced to support a wide range of potential configurations.

R&T is named a Top 10 Retail Banking Solutions Company by Banking CIO Outlook
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We hire and retain employees with extensive financial industry experience.

To address the unique needs of our increasingly complex and sophisticated client base, there is no substitute for possessing deep industry experience. By harnessing our collective knowledge, we are better positioned to offer creative solutions to our clients and continue to build a culture that understands the importance of risk management and compliance.

This approach has been recognized by our clients who are often eager to act as references and have awarded us net promoter scores (NPS) that well exceed the financial services industry average.

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We also actively engage with various industry regulators and governmental agencies, including the FDIC, and Federal Reserve Bank — maintaining an open dialogue about emerging trends and the ability to share our perspective when appropriate about proposed rulemaking that may impact our firm or our clients.

The R&T Difference

  • Flexible: Tailored solutions that meet your specific needs.
  • Experienced: A team of professionals with an average of over 30 years of industry experience.
  • Connected: Expansive network of 350+ participating banks.
  • Private label: Ability to align marketing with your brand.
  • Transparent: A straightforward and fully-engaged approach.
  • Service Excellence: Strong Net Promoter scores, as high as 73 (vs. industry average of 34).

R&T's Insured Deposit program was a ‘no-brainer’ for us. In the current interest rate environment, it allowed us to exponentially increase our clients' yield on cash, giving them an FDIC-insured sweep vehicle and equipping us to compete with RIAs and brokerage firms who are offering insured deposit sweep options. We are glad that we chose to partner with R&T.

President & CEO
Kentucky-Based Trust Company

R&T has enabled our Trust Department to enhance the value we deliver to our clients. Best of all, R&T Insured Deposits offers us the flexibility to be used across all accounts or with select portfolios based on a client’s unique investment needs.

SVP, Director of Trust and Asset Management
New Jersey-based Bank/Trust Company

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