SSI Automate Now Live: AI-Powered Standing Settlement Instruction Automation for T+1 Readiness

S&P Global Market Intelligence and SSImple have launched SSI Automate — an AI-driven solution that streamlines the extraction, validation, and reconciliation of standing settlement instructions (SSIs). The solution is designed to reduce settlement failures, improve operational efficiency, and support compliance with T+1 settlement requirements.

The High Cost of Manual SSI Processing in Post-Trade Operations

SSIs are foundational to post-trade operations, yet they remain one of the most persistent sources of settlement failures across global financial markets. Invalid SSIs contribute to nearly one-third of all settlement failures, and up to 40% of SSIs are still processed manually by financial institutions today.

As markets transition to T+1 settlement cycles, compressing the window between trade execution and settlement from two days to one, the operational burden of manual SSI handling has become unsustainable. Firms face mounting pressure from:

• Escalating operational overhead and repair costs from failed or rejected settlements
• Increased regulatory exposure under T+1 mandates from the SEC and global equivalents
• Fragmented data sources and legacy infrastructure that delay SSI processing
• High-risk manual callbacks and unstructured communication channels (email, PDF, fax)

Traditional SSI management approaches, dependent on human review, siloed data, and outdated technology, are no longer fit for purpose in a T+1 environment.

Introducing SSI Automate: End-to-End SSI Automation Powered by AI

S&P Global Market Intelligence and SSImple have launched SSI Automate, an intelligent post-trade solution that applies AI extraction, rules-driven validation, and automated reconciliation to eliminate manual SSI processing at scale.

SSI Automate is purpose-built to help capital markets firms, including broker-dealers, custodians, asset managers, and prime brokers, achieve T+1 readiness by automating the full SSI lifecycle: from initial capture through validation, exception handling, and audit.

“When we announced our collaboration with SSImple, our goal was to tackle a significant operational challenge in post-trade processing. SSI Automate creates a scalable automated SSI capability, integrating AI extraction, intelligent orchestration and rules-driven validation to strengthen resilience as markets transition to T+1.”

— Oliver Maxwell, Interim Head of Client Lifecycle and Regulatory Solutions, S&P Global Market Intelligence

How SSI Automate Works: Three-Stage AI-Driven SSI Processing

SSI Automate addresses the full SSI processing workflow through three integrated stages, each applying AI and automation to replace error-prone manual tasks:

Stage 1: AI-Powered SSI Data Capture and Extraction

SSI Automate uses machine learning models to capture and extract structured SSI data from unstructured source formats, including PDFs, Excel files, images, and emails, without manual re-keying. The AI normalizes data across diverse formats, materially reducing manual effort and the operational risk associated with human data entry.

Key capability: Automated SSI extraction from unstructured documents at scale, including freeform email instructions, scanned PDFs, and legacy file formats.

Stage 2: Rules-Driven SSI Validation Against 2,000+ Market Convention Rules

Extracted SSIs are automatically validated against a comprehensive ruleset of over 2,000 rules, reflecting current market conventions and regulatory requirements including FMSB recommendations. These rules are continuously refined based on new SSI data and evolving settlement practices, ensuring consistent, high-quality validation at scale.

“Validation is crucial in minimizing downstream settlement issues. By integrating our SSI validation ruleset into SSI Automate, we’re enabling a more consistent and transparent SSI processing approach as firms transition to a T+1 environment, with rules that evolve based on experience and new data.”

— Bill Meenaghan, CEO & Founder, SSImple

Stage 3: Automated SSI Exception Handling and Reconciliation

Invalid or incomplete SSIs can be routed through an integrated client portal for streamlined exception handling, reducing resolution time and providing a full audit trail and maintaining settlement timelines. This replaces high-risk manual callbacks and fragmented communication workflows.

Key Benefits of SSI Automate for Capital Markets Firms

T+1 Compliance Support

Align SSI processing with FMSB recommendations and T+1 settlement mandates. Automated rules are applied consistently across every instruction - reducing the settlement failure rate and regulatory exposure associated with invalid SSIs.

Operational Cost Reduction

Decrease reliance on manual processes and outdated infrastructure. AI replaces high-touch, low-value SSI tasks, freeing operations teams to focus on exception management and strategic priorities - directly reducing cost-per-settlement.

Settlement Risk Mitigation

Eliminate high-risk communication channels such as unverified email callbacks and manual data entry. Transparent, auditable SSI reconciliation workflows introduce consistency and traceability that manual processes cannot guarantee.

Faster Processing and Funding Efficiency

Accelerate SSI processing cycles through intelligent automation, lowering funding costs, and enhancing revenue recognition as settlement windows compress under T+1.

Clean, Structured SSI Data for Analytics

AI-powered extraction standardizes SSI data into structured, complete formats - providing a reliable foundation for downstream analytics, regulatory reporting, and data governance.

Seamless System Integration

SSI Automate integrates with existing post-trade infrastructure or works alongside CLM Pro, S&P Global Market Intelligence’s client lifecycle management platform, for a unified, AI-enabled approach to post-trade operations.

Who Should Consider SSI Automate?

SSI Automate is designed for capital markets participants facing the operational challenges of T+1 settlement, including:

• Broker-dealers and prime brokers managing high volumes of SSI instructions
• Asset managers and fund administrators processing settlement instructions across multiple counterparties
• Custodian banks and clearing firms responsible for settlement instruction accuracy
• Operations and post-trade technology teams seeking to automate manual SSI workflows
• Compliance and risk teams preparing for T+1 regulatory requirements

Learn More

Discover how SSI Automate’s AI-powered capabilities can transform your SSI processing. Request a demo today.

Frequently Asked Questions About SSI Automate

What is SSI Automate?

SSI Automate is an AI-powered post-trade solution developed by S&P Global Market Intelligence and SSImple that automates the extraction, validation, and reconciliation of standing settlement instructions (SSIs). It helps financial institutions reduce settlement failures, lower operational costs, and meet T+1 settlement requirements.

How does SSI Automate reduce settlement failures?

SSI Automate reduces settlement failures by replacing error-prone manual SSI processing with AI extraction, automated validation against 2,000+ market convention rules, and intelligent exception handling - eliminating the invalid SSIs that cause up to one-third of all settlement failures.

Is SSI Automate compatible with T+1 settlement requirements?

Yes. SSI Automate is specifically designed to help firms achieve T+1 readiness. It automates SSI processing at speed and scale, aligns with FMSB recommendations, and applies consistent validation rules to support smooth settlement under compressed T+1 timelines.

What document types does SSI Automate support?

SSI Automate can extract structured SSI data from a wide range of unstructured formats including PDFs, Excel files, scanned images, and email instructions, using machine learning to normalize data across diverse source formats.

How does SSI Automate integrate with existing systems?

SSI Automate integrates with firms’ existing post-trade infrastructure and can also work alongside CLM Pro, S&P Global Market Intelligence’s client lifecycle management solution, for end-to-end post-trade automation.

Request a Demo of SSI Automate

Discover how SSI Automate’s AI-powered capabilities can transform your standing settlement instruction processing, reduce settlement failures, and prepare your firm for T+1.