ALTO Employee Savings and Retirement

Manage savings and retirement schemes in a single platform

A scalable “Front-to-Back” employee savings and retirement platform for banking and insurance groups.

Amundi ESR


Assets under Administration






Partners with 3 ESR Custodians and 2 Insurers for collective retirement


One platform to meet the needs of account holders and their clients

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End-to-end coverage

Across the entire operational value chain of employee savings and retirement

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A Flexible Solution

For all types of accounts and configurable according to customer needs

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Cloud Platform

Hosted in Amundi Technology infrastructure and guaranteeing infrastructure scalability and connectivity with partners

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Fast and Efficient

In implementation and use

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Combined ESR Solutions with Amundi ESR Industry Expertise


A dedicated ESR expert

A single contact in the Employee Savings and Retirement professions

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Deep industry experience

Integration project experience in Employee Savings and Employee Retirement

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Modular and Scalable

Adapted to the saving tax and retirement wrappers, by account custodians operating model, and aligned with tax regulations

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Segregated data

Each Account custodian has its own data referential and manage it autonomously

A suite of capabilities to cover your full functional requirements

01 Front Office

- Subscription / Redemption on multi-products and tax wrappers

- Arbitrages and Transfers

- Client Onboarding

02 Back Office

- Collective and Individual Operations Management

- Order booking with automated workflow

- Operational risk control on stock market order

03 Automated workflow

- Documents publishing (statements, reporting)

- Data flow with financial institutions partners and banks

04 Regulatory and Fiscal Reporting

- Adapted to the local regulation

- Fee Management

End-to-end capabilities
End-to-end capabilities

Discover what ALTO can do for you

Ready to start your onboarding journey or learn more? We're eager to show you the benefits our platform can bring to your team and clients.

Contact us to learn more

Contact our team

To learn more about ALTO



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ALTO Employee Savings and Retirement

Manage savings and retirement schemes in a single platform

  • Subscription and Redemtion
  • Collective & Individual Operations
  • Client Onboarding
  • Arbitrages & Transfers
  • Order Booking
  • Documents Publishing
  • Regulatory & Fiscal Reporting
  • Multi-products and Tax Wrappers