T+1
The shift to T+1 settlement is accelerating delivery timelines and exposing operational risk across financial services. Albany Beck deploys expertise, delivers programmes and builds the capability required to achieve and sustain T+1 readiness.
The move to T+1 settlement is one of the most significant market structure changes in decades. With the US and Canada now live, and the UK and EU preparing to follow, firms face growing pressure to assess readiness, remediate weaknesses and deliver change at pace.
1. The T+1 Landscape
What's Driving T+1 Change
• US and Canada live with T+1, creating immediate cross-border dependencies
• UK and EU market programmes accelerating
• Settlement efficiency, affirmation and exception management under scrutiny
• Reduced timelines increasing liquidity, funding and operational risk
• Regulators and market utilities expecting demonstrable readiness
• T+1 is moving from planning to delivery, and from optional to unavoidable.
Where Delivery Gets Difficult
• Compressed processing windows increasing settlement and operational risk
• Fragmented ownership across front, middle and back office
• Legacy platforms and manual workflows limiting same-day processing
• Data quality, reconciliation and timeliness issues
• Liquidity and funding pressures with reduced reaction time
• Competing regulatory, BAU and transformation priorities
The Capability Gaps Holding You Back
• Post-trade, clearing and settlement domain expertise
• End-to-end operating model design capability
• Data lineage, reconciliation and exception management specialists
• Platform integration, workflow automation and STP expertise
• Programme and regulatory change leadership
2. How T+1 Impacts Different Client Types
T+1 is a market-wide change, but its impact varies significantly by client type.
Albany Beck’s segment-specific one-pagers highlight how T+1 reshapes delivery across each client type - where pressure points arise, what capability gaps are exposed, and how Albany Beck can help firms respond in practice
3. How We Can Help
Albany Beck support end to end T+1 execution across all core areas:
Capability
Deploy Tailored Expertise
PM
Platform Engineer
PMO
Integration Engineer
BA
DevOps Engineer
Change Manager
Data Engineer
QA/Tester
Developer
Technical PM
Post Trade SME
Technical BA
Settlements SME
Platform SME
Data Analyst
Reconciliations and Exception Mgmt, SMEs
Asset Servicing and Custody SME
Client Service Analyst
Data Architect
Client Onboarding SME
Innovation SME (Automation, etc.)
Consulting
Deliver Defined Outcomes
Readiness Assessment
Tooling Delivery
Impact Assessment
Integration/Migration
Client Journey Mapping
Programme Mobilisation
Operating Model Design
Programme Delivery
Process Redesign
Cutover Support
Engineering Delivery
Post Go Live Support
Automation & AI Enablement
Pioneer
Build Internal Capability
BA Academy
Engineering Academy
PM/PMO Academy
Client Services Academy
Data Analyst Academy
Operations Academy
Case Study
T+1 Post-Trade Architecture & Data Transformation
Delivered post-trade architecture and data transformation for a global asset servicing bank, strengthening interoperability and governance to support accelerated T+1 settlement timelines.
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Case Study
Enterprise T+1 Settlement Readiness & Mobilisation
Delivered enterprise T+1 settlement readiness for a client across US, Canada and Mexico markets, strengthening governance and mobilisation under compressed timelines.
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Case Study
T+1 Workflow Automation & Application Enhancement
Enhanced T+1 settlement workflows and controls for a global bank, improving affirmation performance and processing efficiency across settlement and reporting processes.
Read More »Want To Know More?
Connect with us to explore how Albany Beck can support you.
Michael Robertson
Managing Partner: Head of Consulting
Ella Hysom
Client Associate Partner
Callum Wilson
Client Associate Partner
For more information on our projects in the space, download our case studies.