Abstract: The present invention provides systems, methods, and computer program products for monitoring collateral positions of public-deposit accounts so as to efficiently pledge collateral to under-collateralized positions and release collateral from over-collateralized positions. For example, when a customer deposits additional funds, which results in an uninsured balance that exceeds the allocated collateral, the present invention may identify that account as being under-collateralized, determine the pledge amount required to properly collateralize the account, and then create, submit and track a pledge request that corresponds to the required pledge amount.