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    Mattioli Woods Treasury Solutions

    Strategic treasury and liquidity management.

    Contact Us

    Managing surplus cash is about far more than simply finding the highest deposit rate.

    For many organisations, cash balances represent operational security, future commitments, working capital requirements or reserves built up over many years. Managing those balances effectively requires careful consideration of liquidity, risk, governance and long-term financial objectives.

    At Mattioli Woods Treasury Solutions, we provide bespoke treasury and liquidity management services designed to help organisations make their cash work harder while maintaining a disciplined approach to security and accessibility.

    Working with charities, universities, trusts, pension funds, corporates and other institutions, we combine institutional investment expertise with tailored treasury strategies built around the specific needs of each client.

    Making cash work harder

    Cash management is often viewed as simple. In reality, it can be one of the most important and complex areas of financial management within an organisation.

    Leaving significant balances on deposit may not always provide the most effective outcome. Inflation, changing interest rate environments, concentration risk and liquidity pressures can all affect the long-term value and flexibility of cash reserves.

    At Mattioli Woods Treasury Solutions, we see managing liquidity as a service, not a product. That begins with understanding how your organisation operates, the cash flows and liquidity requirements that support it, and the governance framework within which investment decisions are made.

    We take the time to understand your risk appetite, operational priorities, treasury policies and investment restrictions, ensuring your strategy reflects the realities of your organisation rather than applying a one-size-fits-all approach.

    From there, we build a tailored treasury and liquidity strategy designed to balance accessibility, security and return in a way that supports both your immediate needs and longer-term objectives.

    Nilay Joshi

    A bespoke approach to treasury management

    No two organisations manage liquidity in the same way.

    Some require immediate access to cash for operational flexibility. Others may have longer-term reserves that can be invested with a broader time horizon. Many organisations need to balance multiple priorities at once. That’s why our treasury management service is built around bespoke investment mandates rather than standardised solutions.

    We work closely with finance teams, trustees, boards and investment committees to understand:

    • Liquidity requirements
    • Treasury/socially responsible investing (SRI) policies
    • Governance structures
    • Counterparty restrictions
    • Cash flow expectations
    • Investment time horizons

    This allows us to create tailored treasury and liquidity management strategies designed around your organisation’s specific needs.

    Our services are available on both a discretionary and advisory basis, allowing clients to choose the level of involvement and oversight that best suits their governance framework.

    Balancing security, liquidity and yield

    Effective treasury management requires careful balance. Our investment philosophy is built around three core priorities:

    Security

    Protecting capital remains the primary objective of any treasury portfolio.

    We focus on maintaining disciplined counterparty selection, diversification and risk oversight, helping clients manage exposure carefully across approved institutions and investment instruments.

    Liquidity

    Access to cash matters.

    Treasury portfolios should be structured to ensure funds remain available when required, supporting operational flexibility and changing organisational needs.

    By understanding expected and potential liabilities, we ensure liquidity remains aligned to your cash flow requirements and treasury objectives.

    Yield

    Once security and liquidity requirements are understood, we seek to generate an enhanced return on surplus cash balances.

    Our aim is to provide clients with the opportunity to achieve improved returns relative to traditional cash deposits while remaining within agreed risk parameters.

    Cash should never sit idle without purpose. The challenge is balancing security, liquidity and return in a way that reflects the real-world needs of an organisation.
    Emma Butler Director
    Treasury Solutions
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    Download our Treasury Solutions brochure

    Learn more about our treasury and liquidity management approach, investment process and institutional investment solutions.

    How we manage treasury portfolios

    Our treasury management process is designed to combine flexibility, oversight and disciplined implementation.

     

    Understanding your organisation

    Every client relationship begins with understanding the financial and operational dynamics of your organisation. We take the time to assess your treasury requirements, governance framework and investment objectives, alongside factors such as expected cash flows, liquidity needs, reporting requirements, counterparty limits and any existing treasury or investment policies.

    By building a clear picture of how your organisation manages and relies upon its cash balances, we are able to create a bespoke treasury mandate designed to support your operational priorities, governance standards and longer-term financial objectives.

    Portfolio design and implementation

    Once investment parameters are agreed, we build a diversified treasury portfolio using carefully selected instruments designed to align with your liquidity and risk requirements.

    Ongoing monitoring and oversight

    Treasury management is not static.

    Cash flow requirements, market conditions and interest rate environments can evolve quickly. Our Investments team monitors portfolios daily to ensure they remain in line with agreed mandates and to identify opportunities where value may be added.

    We also provide regular reporting and review meetings to support transparency, governance and ongoing communication.

    Investment solutions and treasury instruments

    Treasury portfolios are constructed using a range of institutional cash and fixed income instruments selected according to each client’s investment mandate and liquidity requirements. Typical investments may include:

    Fixed term deposits

    Deposits placed with approved banking counterparties issued for a fixed rate and a fixed term. We typically only use these instruments for very short-term investments due to their illiquid nature.

    Certificates of deposit

    Like a fixed term deposit but tradable and liquid, these instruments are issued by banks and building societies providing flexibility alongside competitive yields.

    Gilts and Treasury bills

    UK Government-backed securities offering a highly secure, liquid but lower-yielding investment option. Given the lower rates, we typically only utilise these instruments as safe-haven investments in times of market turbulence.

    Financial corporate bonds

    Where appropriate, portfolios may include carefully selected bond investments issued by well-rated financial institutions to provide for enhanced yield opportunities within agreed risk parameters.

    Each portfolio is constructed individually, reflecting the client’s liquidity requirements, investment restrictions and risk tolerance.

    Governance, oversight and risk management

    Strong governance sits at the heart of effective treasury management.

    Counterparty assessment and monitoring

    When assessing counterparties, we utilise the major international credit rating agencies: Fitch, Moody’s, and S&P.

    We maintain a recommended counterparty list, which we can tailor to meet client specific counterparty restrictions, policies and governance requirements.

    Counterparty exposure and credit quality are monitored in real time to support disciplined risk management.

    Socially responsible investing

    We provide ESG ratings (Sustainalytics and MSCI) for all recommended counterparties. We encourage clients to use this data to monitor counterparties for positive change.

    Transparency and reporting

    Clients receive regular valuation and portfolio reporting designed to support transparency and oversight.

    Our reporting framework and online client portal helps finance teams, trustees and investment committees maintain visibility over:

    • Portfolio holdings
    • Liquidity positioning
    • Maturity profiles
    • Counterparty credit and ESG ratings
    • Portfolio performance

    Custody and operational oversight

    We offer flexible custody arrangements depending on client requirements. Clients can utilise our pooled custody service with Bank of New York Mellon or we can work with third-party custodians where appropriate.

    Operational resilience, oversight and governance remain central to our approach.

    No two organisations manage liquidity in exactly the same way. Understanding how clients operate, their governance requirements and how cash flows through the organisation is fundamental to building an effective treasury strategy.
    Ross Allen, Associate Director
    Treasury Solutions
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    Download our Treasury Solutions brochure

    Explore our treasury and liquidity management approach, investment process and institutional investment solutions.

    Meet the Treasury Solutions team

    Our Treasury Solutions team combines extensive experience across treasury management, fixed income markets and institutional liquidity management. Working closely with charities, universities, trusts, pension funds, corporates and other organisations, the team provides tailored treasury strategies designed around security, liquidity, governance and long-term financial objectives.

    By combining institutional investment expertise with a relationship-led approach, the team works closely with clients to help ensure treasury strategies remain aligned to operational priorities, changing market conditions and evolving organisational needs.

    Emma Butler

    Emma Butler

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    Stephanie Vassallo

    Stephanie Vassallo

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    Ross Allen

    Ross Allen

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    Supporting organisations with treasury expertise

    Treasury management is not simply about managing investments. It’s about supporting better financial decision-making across an organisation.

    That’s why we also provide treasury training and educational support for:

    • Boards
    • Trustees
    • Finance teams
    • Investment committees
    • Wider organisational stakeholders

    Training sessions are tailored to the needs of each organisation and can cover a wide range of treasury and investment topics, including liquidity management, investment risk, credit ratings, fixed income instruments, economic conditions and governance considerations. Whether supporting boards, trustees, finance teams or investment committees, our aim is to help organisations build greater understanding and confidence around treasury management decisions.

    We believe informed decision-making leads to stronger governance, clearer oversight and more effective long-term financial management.

    Treasury management built around your organisation

    At Mattioli Woods Treasury Solutions, we believe treasury management should combine institutional expertise with flexibility, transparency and partnership.

    Our role is to help organisations manage liquidity with confidence – balancing security, accessibility and return within a carefully-governed framework tailored to their needs.

    Effective treasury management is not simply about holding cash. It’s about ensuring your organisation’s resources are working efficiently, supporting future objectives and remaining ready for whatever comes next.

    Frequently asked questions

    What is treasury and liquidity management?

    Treasury and liquidity management involves overseeing an organisation’s cash balances, short-term investments and liquidity requirements. The aim is to balance security, accessibility and return while supporting operational and strategic financial objectives.

    Why is managing surplus cash important?

    Holding significant cash balances without a structured treasury strategy can expose organisations to inflation risk, concentration risk and missed investment opportunities. Effective treasury management helps organisations maintain liquidity while maximising appropriate risk-adjusted returns on surplus cash.

    How does Mattioli Woods Treasury Solutions differ from traditional deposit accounts?

    Traditional bank accounts or cash deposits provide limited flexibility, diversification and yield opportunities. Mattioli Woods Treasury Solutions uses a broader range of institutional investments and liquidity strategies designed to meet an organisation’s specific operational and governance requirements.

    What types of organisations use Mattioli Woods Treasury Solutions?

    Our treasury management services are used by a wide range of organisations, including charities, universities, trusts, pension funds, corporates and other institutions managing significant cash reserves or liquidity requirements.

    How do you manage treasury investment risk?

    Risk management is central to our approach. We use diversified portfolios, approved counterparty lists, credit rating analysis, ongoing monitoring and clearly defined investment parameters aligned to each client’s treasury policies and governance framework.

    Can treasury portfolios be tailored to our organisation’s requirements?

    Yes. Every treasury strategy is built around the specific needs of the organisation, including liquidity requirements, investment restrictions, governance considerations, reporting needs and risk appetite.

    Do you offer discretionary and advisory treasury management services?

    Yes. We provide both discretionary and advisory treasury management services, allowing organisations to choose the level of involvement and decision-making support that best meets their governance structure and internal treasury processes.

    Speak to our Treasury Solutions team

    Whether you’re reviewing existing treasury arrangements, managing significant cash balances or looking to strengthen liquidity oversight, our Treasury Solutions team can help.

    To learn more about our treasury and liquidity management services, contact us today or download our Treasury Solutions brochure.

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