BSN managers will use Fiserv KRM to support asset/liability management, liquidity management, profitability management and regulatory reporting. Used to manage credit risk, liquidity risk and interest-rate risk, Fiserv KRM incorporates advanced risk concepts developed by Robert A. Jarrow, an originator of the Heath-Jarrow-Morton multi-factor term structure model. Jarrow is also the recipient of the Risk Magazine 2009 Lifetime Achievement Award in recognition of his contribution to the modern discipline of mathematical finance.