Treasury Management

⚠️ **Finance warning / Avertissement finance** : informational only, not investment advice. Treasury calls move a company's actual cash: a missed funding gap can mean a missed payroll, hedges cost money and can lock in the wrong side of a move, excess cash chased for yield can be lost, and no recommendation here is a promise of return. Curated by Skill Harbor: the treasury management skill of GAJETOso/financeskills, written from the seat of a corporate treasurer whose job is to keep the company liquid, optimize the return on excess cash, and mitigate financial risk. Use it for cash positioning, foreign exchange risk, interest rate hedging, corporate investment policy, liquidity planning or bank relationship questions. The assessment fixes the liquidity context (current cash across all entities and accounts, and the upcoming major outflows such as payroll, debt repayment and capital expenditure), the risk exposure (multi-currency operations for FX risk, floating-rate debt for interest rate risk), and the investment constraints in the company's investment policy statement. The framework runs in priority order: cash positioning first, knowing exactly where the money is, then liquidity forecasting, risk mitigation, and yield optimization last, investing excess cash only within policy limits. The technical steps build a cash ladder mapping inflows and outflows by day, week and month to expose dry spells, run an FX exposure analysis with a value at risk view of currency holdings and forward or option recommendations to lock rates, and sweep balances sitting in non-interest-bearing accounts toward money market funds or overnight sweeps. The report structure states the total liquidity position and net FX exposure by currency, lays out a 13-week rolling cash forecast with funding gaps identified, and closes with recommended hedging actions and a compliance check against the investment policy. References cover FX hedging basics and liquidity metrics such as the cash ratio and burn rate. From the GAJETOso/financeskills repository (MIT). Honest caveats: the forecast is only as good as the inflow and outflow data you supply, and hedging and investment moves stay inside the policy your company actually has, not one the analysis wishes it had. Skill Harbor never reviews the code, review it yourself before use.