Our Lineage
Harmonie’s foundations date back to 1958, starting with the establishment of our Chairman’s family-owned Commercial State Bank of Roseville. The birth of a family legacy founded on the principles of diversification, adaptability and foresight into market transformation.
Between 1958 and 2006, the banking and financial markets underwent significant transformations driven by technological advancements, regulatory changes, and globalization. The 1960s and 1970s saw the rise of electronic banking and the introduction of ATMs, which revolutionized customer interactions with banks. The deregulation wave of the 1980s, particularly in the United States and the United Kingdom, led to increased competition and innovation in financial products and services. This period also witnessed the growth of international banking and the emergence of global financial markets, facilitated by advancements in communication technology and the liberalization of capital flows.
By 2006, the financial landscape had become highly sophisticated, with a diverse range of financial institutions and instruments playing crucial roles in the global economy: the introduction of Harmonie International.
By 2008, Harmonie expanded its capabilities by securing trading portals from a European prime bank, enabling us to service contractual commitments, debentures and entitlements. Our network of seasoned professionals and historical affiliations allow us to offer unique private financial services utilizing cash and asset-backed collateral.
Today, the integration of block-chain, smart contracts, tokenization, and artificial intelligence present us new challenges and opportunities. These technologies are pushing the boundaries of what is possible, requiring not just human adaptation but also smarter infrastructure and systems.
The financial world is evolving rapidly, and staying ahead means embracing these innovations to create a more efficient, transparent, and resilient financial ecosystem, which we believe is achieved through harmonious simplification, integration and joint collaborations.
Our Services
We provide financing for both public and private ventures, leveraging our distinctive approach to meet your unique goals with creative financial solutions while minimizing risk. Our adaptability to dynamic economic conditions ensures that we maintain your immediate and long-term financial objectives.
Why Harmonie?
Harmonized Industry Advantage: From request to closing, you gain the new industry edge;
Efficiency: Save time and money with our streamlined processes;
Fast Approval: Quick and efficient approval process through prime banks and authoritative governmental and federal bodies.
Our Simple Approach
As a private entity, we control our underwriting process, allowing us to personalize each transaction to meet your specific needs, as follows:
Submit a written request for collaboration and funding;
Exchange a Customer Information Sheet (CIS-KYC);
Receive and agree to our term sheet;
Execute contracts and arrange transfers via bank-to-bank and peer-to-peer methods; and
Upon delivery and acceptance of your request, we proceed with funding.
Program Entitlement and Safekeeping of Securities
During the loan process, Harmonie holds full Entitlement Rights to any collateral provided, allowing us to transact as needed. We maintain safekeeping accounts for the benefit of the loan, ensuring security and efficiency.
Commitment to Compliance
All our program partners are committed to compliance with all applicable laws and regulations. We are particularly sensitive to securities regulations, privacy regulations, and Bank Secrecy Act/ Anti-Money Laundering regulations, including the USA PATRIOT Act and those promulgated by the U.S. Treasury Department’s Office of Foreign Assets Control. We have developed processes and conduct periodic training to adhere to these laws and regulations. All employees are held to strict compliance and are overseen by our executive management.
Due Diligence Firms
In addition to our established due diligence procedures, we engage third parties in certain circumstances to conduct list searches and investigations of potential clients and documentation. We contact with a widely utilized online tool to search individuals and entities against government lists and known occurrences of fraud, corruption, terrorism. Money laundering, narcotics, and other financial crimes.
We also utilize an investigative firm that gathers information globally for corporations, law firms, financial institutions, and non-profits. This firm is engaged when we are unable to determine the legitimacy of information and entities involved in transactions.
These respected relationships allow Harmonie to remain at the cutting edge of the financial industry, ensuring maximum performance from our 100% guarantee of collateral and capital. Our distinctive approach to solving your unique goals is achieved by utilizing our program’s creative financial solutions while minimizing risk. We adapt to dynamic situations relating to specific economic conditions or regions, while maintaining our transactions immediate and long-term financial objectives.
Our Stakeholders
We collaborate with Private Wealth, Governments, and Prime Global Financial Institutions to facilitate and execute transactions, ensuring the highest of communication and security.