Banking Industry Framework Industry solutions for a Smarter Bank Henrik Koch, Industry Solutions Executive, IBM Software Group
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Agenda 1. Introducing IBM Industry Framework for Banking • The market demand for Banking Industry Frameworks • Definitions and key benefits 2. Industry Framework and Industry Solutions for Banking • • • Corebanking Modernisation Payments and Securities Customer care & Insight Integrated Risk Financial Markets Framework 3. Closing remarks • Where to get new collateral and information • Who to contact • Questions
Agenda 1. Introducing IBM Industry Framework for Banking • The market demand for Banking Industry Frameworks • Definitions and key benefits 2. Industry Framework and Industry Solutions for Banking • • 1. Corebanking Modernisation Payments and Securities Customer care & Insight Integrated Risk Financial Markets Framework • Closing remarks • Where to get new collateral and information 1. Who to contact • Questions
Clients value IBM's ability to deliver integrated solutions Client buying behaviors are shifting: Customers are looking for their business commitments to be met at market speed, or better Managing project costs into bite-sized bits is now a requirement Customers want to utilize the technology that best supports their strategy, independent of vendor Our Strategy: Combine industry assets and best practices into offerings focused on core and connected business problems Design for re-use Incubate an ecosystem of industry ISVs, pre-integrate Be prescriptive about a platform, emphasize best practices, better utilize our industry expertise
Client buying behaviors are shifting towards an integrated solution which combines existing assets and new of the shelf-services Level of adoption Custom (Legacy) Environment Representative Industries Banking Healthcare Government Financial Markets Insurance Media & Entertainment Integrated Solutions ISV-dominated Environment Representative Industries Electronics Chemicals & Petroleum High-Tech Manufacturing Automotive The market has requested: More standardised Today Future solutions, easy to integrate and more service oriented
With a framework approach, organisations can progressively transform to a more simplified, strategic infrastructure 3 2 1 Achieve a simplified and agile strategic infrastructure Build on the value of previous projects and reuse assets Pick a framework project and start rationalizing to deliver a quick ROI Increasing reuse and business agility along the way!
IBM Industry Frameworks - deliver the full power of IBM software to industry solutions
Industry Solutions Structure Industry Solutions B 2 B & Commerce Enterprise Content Management Order management Optimization & logistics Essential Content Advanced Case Mgmt Content Analytics Information Lifecycle Enterprise Marketing Management Industry Frameworks & Industry Assets Commerce Marketing Process & Demand Generation Solutions Including: Energy and Utilities Retail Government/Defense Manufacturing Health Integration Media Commerce Physical Meets Digital Customer Care & Insight Workforce Optimization Financial Transaction Management Financial Operations IBM Payments Director IBM Electronic Payments Platform
IBM Banking Industry Framework A Foundation for a Smarter Bank: Actionable Innovation Financial Risk Financial Crimes Governance & Compliance Architecture Transformation Process Agility Application Modernization Operational & IT risk Information Insight Interaction Consumer Payments Commercial Payments Compliance & Risk Payments Transaction Platform
Speed solution deployment with foundational and domain-specific software extensions and accelerators Stat e Eng ine Web. Sphere BI for FN Ti me r Ser vic es Refere nce Payme nts Servic es Interfa ces Flow Coordi nator Pa ym ent s Obj ect s Us er Inte rfa ce EPP Assets IBM industry solutions Banking Extensions for MDM Server Common Shared Services Core Banking Transformation Payments & Securiti pure. XMLTM Payments Bundles Banking Vocabulary Banking Message Model WTX Industry Packs Corporate Payments Scenario Services Component Building Blocks Solution Templates Development Tools / Methodology Design Rules IBM Foundational Information Frame. Work (IFW) & Banking Data Warehouse (BDW) Process and Data Models IBM Banking Industry Framework SOA Banking Web. Sphere Banking Content Pack Integrated Risk Management. Scenarios Integrated Risk Manage Finance and Integrated Risk Management (FIRM) Banking Data Integration Accelerators COGNOS Risk Adjusted Profitability Blueprint Customer Care & Insight COGNOS Banking Risk Performance – Credit Risk COGNOS Banking Performance Blueprints Web. Sphere Modeler with IFW Customer Identification Solution Rational Software Architect with IFW Account Opening Scenario IBM Service Management for IRM Entity Analytics and Global Name Recognition Common Business Language Services Accelerator COGNOS Banking Performance Blueprints Web. Sphere Multichannel Bank Transformation Toolkit
Banking Industry Framework – Themes behind V 2 Theme 1: A more unified framework Theme 2: Shaped by industry software strategies and capabilities Store and Theme 3: Incorporating key SW growth trends IT Systems and Operations Core Banking Transformation BAO Channels Theme 4: Acquisitions expand business value Customer Care and Insight Integrated Risk Management Merchandising and Product Management : Tuned for LOB Buyer Chief Marketing Officer (CMO) Payments & Transaction Services
Banking Industry Framework Benefits A Foundation for a Smarter Bank: Actionable Innovation • Mitigate Risk (De-Risk) • Accelerate & Expedite a Successful Implementation using accellerators and competency centers • Reduce cost • Future Proofing • Backed up by IBM’s long term commitment to industry standards and R&D
Agenda 1. Introducing IBM Industry Framework for Banking • The market demand for Banking Industry Frameworks • Definitions and key benefits 2. Industry Framework and Industry Solutions for Banking • • • Corebanking Modernisation Payments and Securities Customer care & Insight Integrated Risk Financial Markets Framework 3. Closing remarks • Where to get new collateral and information • Who to contact • Questions
Banking Industry Framework - Core Banking Transformation Projects Banking reference architecture Master data Management Process Integration Information Integration Infrastructure Management, Security & Scalability Model Driven Development Business process transformation Business rules and logic management Solution Template Driven Transformation Performance Monitoring Legacy application modernization and renovation Develop next generation applications Replace legacy application with package solutions Data migration from legacy systems Core Banking Transformation Simplification Componentization Integration Optimization Collaboration Security Resiliency Architecture Transformation Process Agility Application Modernization
Start transforming core banking capabilities with a framework Project Core Banking Transformation Project Areas Business Partners Architecture Transformation Transform your core banking platform, reduce operational cost and risk, and improve core banking process efficiency with projects addressing fundamental capabilities including a simplified IT infrastructure, platform scalability, enterprise-wide master data management for customer contract, and product data, and model driven development to build business service components Process Agility Improve profitability by expanding into new markets faster, bringing innovative products to market quickly, and differentiating pricing and terms for maximum customer satisfaction with flexible and efficient processes for account opening and management, product bundling, and dynamic relationship pricing Application Modernization Transition from existing core banking applications in a staged and modular way with near term payback and reduced risk and disruption; integrate best-of-breed application components, buy new packaged applications and integrate with enterprise systems, or build new SOA components for a customized, lower cost, and less risky approach Content Validated on Framework
What are the key drivers for banks to modernize their core banking systems? Banks are looking at core systems modernization in response to specific business, technology and regulatory drivers Revenue Growth Product Innovation Efficiency Improvement Customer Centricity Globalization Operating Cost Time To Market M&A Business Drivers for Core Systems Modernization Technology Drivers Architectural Simplicity Modularity Enterprise Leverage SOA Asset Rationalization Workforce Optimization Fading Skills Shared Services Regulatory Drivers Regulations SMEs Retiring Monitoring Compliance Auditing Reporting
Solution Component Use: ‘Arrangement’ Service Model for Client Relationship and Offer Optimisation Shared Service Center Group Business Dev IBM Industry Service Models Process Extract & Analyse Business Advisors Internet & 4 MDM Server for PIM 3 2 Mobile Banking 3 IBM ILog Bus Rules Engine Info. Sphere MDM Server for PIM CRM Systems Use/Consolidate BIS System & Product Factory Role BIS System Role Factory Role 1 Info. Sphere MDM Info. Sphere Server
IBM Master Data Management Product Portfolio Collaborative Authoring Create Maintain Update Govern Deliver Info. Sphere MDM Server for PIM Data Stewardship Collaborative Authoring Business Services Business Process workflow Pre-built Customizable MDM Domains NPI Catalog Mgt Multi-Commerce MDM Custom-Built Domains Product Location Supplier Party Account Product Custom Integration Others Content Data Analytics
Nordic Bank Financial Services Challenge • Growth through mergers and acquisitions had created a bank with multiple lines of business and countries that were operating with different processes and systems. • Needed to streamline business Solution IBM® Info. Sphere MDM Server IBM Info. Sphere Quality. Stage IBM Rational Application Developer IBM Info. Sphere MDM Server for PIM IBM Web. Sphere Application Server SWG Lab Services for implementation 20 Benefits A cross-enterprise transformation program that would ultimately streamline all business processes and integrate system An IT platform totally adaptive to changing business needs, embracing SOA strategy and master data management A cross-line of business customer view to continue to grow business and improve customer satisfaction A MDM solution to enable cross-selling and up-selling, M&A integration, compliance (Basel II, Mi. FID) and operational efficiency APPROVED FOR EXTERNAL USE
Banking Industry Framework – Customer Care and Insight Projects Single View of Customer Data Warehouse Customer Analytics Business Performance Analytics Information Insight Customer Care and Insight Multi-Channel Transformation Interactive Marketing Sales and Advisory Transformation Onboarding a nd Origination Optimization Customer Care and Servicing Core Banking Transformation Integration Optimization Analytics Collaboration Security Resiliency Interaction Integrated Risk Management Payments and Transaction Services
Get started with a Customer Care and Insight project Customer Care and Insight Project Areas Information Insight Interaction CC&I capabilities are the foundation for all front-office projects Understand customer data across all systems and build common customer data definitions Integrate operational customer data to achieve a enterprise single customer view Consolidate operational and historical customer data into a common data warehouse Extract valuable customer insight such as segmentation, value, needs, behavior, etc. from the integrated customer data to help business retain and grow its customer base Provide the business a real-time view of performance by channel, product, customer segments, geographies, campaign, etc. Optimize marketing, sales and customer service processes; include single view of customer and deeper insight at the point of interaction across all channels Transform multiple channels for improved customer experience, consistency across different channels, more engaging customer dialogs, and ultimately better business results Business Partners Content Validated on Framework
Interactive Marketing bringing science to the art of marketing Interactive Marketing REAL-TIME MARKETING software: Presents personalized messages in real-time during inbound interactions Personalization based on: – Existing customer data and new information gained during the interaction – Or, behavioral targeting of anonymous visitors Designed for easy deployment and management (“so easy a marketer can do it”) Meets the most rigorous performance requirements. Up to: – – 1, 000 s of transactions per second Half-second average response time
Delivering personalized offers across channels in real time Interactive Marketing turns inbound interactions into profitable communications Business Need Outbound campaigns were ineffective – not taking advantage of customer initiated interactions Needed to create a single, cross-channel, relationship with each customer Disparate teams managed customer dialogs Needed to reduce marketing costs Real Results • Relevant, real-time campaigns drive higher response rates • 85 M targeted offers served each day across 5 channels – direct mail, email, web, call center, and branches • € 20 M increase in earnings expected • Lowered direct marketing cost 35% • Faster campaign cycle times: from 26 weeks per campaign to just 4 weeks
Mobile Web Need Solutions Portal Mobile Webkit Themes . . . extend a Web experience to mobile devices for specific mobile browsers Available today for i. Phone Coming soon for Android, Blackberry, i. Pad Web Experience Factory . . rapidly develop & deploy web & hybrid mobile applications that have a native smart phone, look and feel - Portal Mobile Webkit Themes -- WAS 8. 0 . . write once, run on many devices – tablets, kiosks, web, PDA and more - Dojo -- Hybrid . . . mobile Web applications or content for virtually any mobile device browser Mobile Portal Accelerator 8, 400 Devices
Supporting smartphone and multi-channel application capabilities Web. Sphere Experience Factory Use one common set of tools, techniques, application code (models). . . and generate applications for multiple client devices Desktop Browsers Smartphones Sharepoint (CMIS / REST) Tablets Legacy (WS / REST) . . . deploy to multipleplatforms. . . Web. Sphere Portal CRM & SQL Web. Sphere Application Server
IBM has a broad portfolio of Mobile Enablement offerings
Banking Industry Framework - Integrated Risk Management Projects Get Your Risk Data in Order Risk Insight and Control Real Time Risk Insight and Control Risk Optimization Risk Modeling and Scenario Analysis Customer Screening and watch-list filtering Transaction monitoring for Suspicious Activity Case Management, Transaction blocking & Suspicious Activity Reporting Operational Risk Platform Comprehensive Security Control, Enforcement, Management Trusted Identity Management Configuration/Incident/Problem/Change/Release Management Continuous, comprehensive fault monitoring Data Protection Application Integrity and Security Compliance Information Lifecycle Management Corporate Governance and Internal Control Sales and Market Conduct Compliance Regulatory Compliance Prudential Compliance Collaboration for Legal and Compliance Financial Risk Customer Care and Insight Integration Optimization Analytics Collaboration Security Resiliency Financial Crimes Operational and IT risk Governance and Compliance Core Banking Transformation Integrated Risk Management Payments and Transaction Services
Start small and grow with an Integrated Risk Management project Integrated Risk Management Project Areas Business Partners Financial Risk Financial Crimes Connect market, credit counter-party and liquidity risk to business and finance information systems Enable risk reporting across and at different levels of the enterprise to enable better risk decision-making Content Validated on Framework Integrate disparate fraud platforms to move towards real-time and proactive monitoring and improve investigations Leverage tools to identify fraudulent activity before it happens Automate fraud prevention to reduce costs Enable monitoring of internal processes, people and systems for improve operational risk management Implement early warning systems, IT and crises management processes and business recovery planning Open Pages, Algorithmics, SPSS, Cognos, IFW, DB 2 Operational & IT Risk Governance & Compliance Improve your ability to respond to regulatory scrutiny Accurately report risk exposure Standardize and automate compliance processes Get the flexibility to respond dynamically to changing regulatory requirements
Putting IBM’s Proposed Architecture into the Context of Our Recommended Target Operating Model 1. Implements top down policy based on organization risk tolerance 2. Consolidates accountability and direction of resources 3. Prioritizes and manages initiatives 4. Collaborates with other stakeholders to drive a safer business Generates improved business intelligence for executives, benefiting tactical functions and enables strategic thinking Consolidated and integrated operational organization (where feasible) addresses customer-based alerts and enhances efficiency 1. Consolidates alerts across channels 2. Conducts cross-LOB analytics 3. Automates, standardizes, and documents analysis and investigation Flexible model leverages the strengths of leading technologies by adopting best of breed systems and processes Integrated Financial Crimes Center of Excellence Financial Crimes
Solution Overview Financial Crimes • Sanctions Screening and Transactions Filtering: A regulatory requirement to stop activity in real time financial transactions (wire activity) or to block opening an account, the sanctions list details the blocked entities and is updated daily. • Know Your Customer: A regulatory requirement for better customer identification and knowledge at the account opening phase. Helps preventing possible threats of AML / Fraud. • Enhanced Due Diligence for High-Risk Customers: For customers deemed to pose a high-risk, the financial institute “should consider” obtaining, both at account opening and throughout the relationship. • Suspicious Behavior Monitoring (AML): A regulatory requirement to detect suspicious AML transaction patterns and report it to the central bank. • Case Management: Investigation tools and case management to support multiple levels of review, investigation, approvals, filing, reporting of above cases. • FACTA: A US regulatory requirement
Major North American Bank Financial Services Challenge • Create robust, streamlined and scaleable infrastructure that provides an enterprise client view, impacts the quality of the enterprise data and enables the assessment of operational and credit risk • Reduce IT costs • Build a consolidated reporting infrastructure supported by a 360 -degree view of customer Solution Used IBM Information Frame. Work (IFW), Banking Data Warehouse (BDW) and Info. Sphere™ MDM Server as focal points for information consolidation and governance of data across thirty systems. The data models enabled development standardization and identified project reuse opportunities. Used Info. Sphere Data. Stage to form a common ETL hub for MDM Server and BDW to create a single view of customers across the enterprise and accurate data for satisfying Basel II, and management reporting requirements. 32 Benefits BASEL II and management reporting requirements satisfied within tight management timelines, while improving data quality using an enterprise data infrastructure
Banking Framework for Payments and Transaction Services Projects Consumer Payments Customer Care and Insight Check Processing Payments online Mobile Payments Low Value high volume (i. e. , cards) Core Banking Transformation Commercial Payments Integrated Risk Management Payments & Transaction Services Compliance and Risk Payments transaction Platform High Value low volume Cross border Corporate services / Payment factory / Cash Management CARD / Durbin / Regulation E (US based), Basel III, PSD, SEPA Payment Transparency, Liquidity, , AML, CTF, Embargo Check, Adaptive Risk / Regulation capable Channel Integration Banking data Warehouse Financial Network Gateways Managed File Transfers Bulk de-bulk, Transformation and Entry / Repair
Payments and transaction services projects – address business needs across the enterprise project areas Consumer Payments Business Partners Process, manage, measure and monitor high volume low value payments from individual consumers including check / check images, online payments, mobile or smart phone payments; digital signatures for online applications, and payments from credit / debit cards, ATMs, etc. Commercial Payments Process payments, serve corporate customers and manage internal treasury services; manage payments bank to bank, bank to clearing house or central bank, or country to country Compliance and Risk Restructure payments operations to comply with regulations and schemes: e. g. SEPA Direct Debit, SEPA Credit Transfer, card regulations, payments reporting and transparency, liquidity, AML, CTF, and embargo check. Adapts to address new risks and regulations Payments Transaction Platform Integrated, horizontal, and reusable payments and treasury capabilities relevant across all payment products within a bank. Core payment processing functions and integrated toolset. Transaction warehouse and analytics for all LOBs Content Validated on Framework
Financial Transaction Manager in Payments Transaction Platform IBM FTM in payments transaction platform projects: Provides the common integration capabilities to be reused for managing financial transactions Built on the industry standard of ISO 20022 that aids the integration with new and existing back-office processing Creates a commonly defined runtime environment which standardized integration to regulatory, checking, AML, reporting, and other needs Operational database holds status and integrates with enterprise data management solutions for archival "We've chosen. . . the adoption of SOA into the core of our business. It’s given us a clear advantage in the kinds of attributes. . . to excel –speed, flexibility and efficiency. “ -- Wells Fargo Sample processes on which to build include SWIFTNet Funds, corporate payments and others – allowing a standard definition for orchestration
Financial Transaction Manager -- direction Monitoring & Logging Message mapping & Validation Lifecycle Management . . . Internal Banking Systems Corporate Payment Systems External Payment Networks Consumer Channels Gateway Adapters Financial Transactions Integration Channel Management E-Commerce Origination Systems Contactless Credit & Debit Cards Checks ACH: NACHA SEPA Direct Debit SEPA Credit Transfer TARGET 2 CHIPS Payment Schemes &Types SWIFT Liquidity Management OFAC . . . Mobile Solutions Invoice Presentment Transaction Analytics Global Disbursement Trade Finance NOSTRO Cash Management Exception & Investigations Anti-Money Laundering Risk & Regulation Financial Business Solutions Gateway Services Transaction Warehouse Reporting & Dashboards Network Adapters Legend IBM 3 rd Party Core Services Object Model Interface Flow Coordinator State Engine Data Model Printing & Validation Customer Profile Management, Security, Auditing Financial Transaction Manager IBM Confidential Configuration System Adapters
Project Use Case – Dn. B NOR Client Challenges • The bank needed a payments message hub that could send and receive SEPA Credit Transfers from the European Bankers Association Solution • Implemented a payments mediation, monitoring and management infrastructure across the Dn. B NOR SEPA payments business • The solution has a base common product with industry specific SEPA processing engine Smarter Business Outcomes • Ability to accommodate payments network / gateway changes without costly changes to backend applications • Enhanced monitoring of payments processes • Transparent payments rules that business users can comprehend; rules can be changed in hours or days vs. weeks or months
How we can help: Sterling Integrator in banking NACHA Ba Fil ck es ys tem Webs phere of fic e MQ rect ct: Di onne C SWIFT TSU Translation Content-based routing Visibility SWIFT Standards libraries Business rules processing EBA STEP 2 P SA Validation Mailbox Bulking / de-bulking Domestic TARGET 2 Domestic 38
Sterling Integrator – Features NACHA Community Management • Registration and activation • Change management • Self service • Support Fil es ys Visibility Management • Monitoring and management • Notifications and alerts NACHA • Audit and reporting Ba ck of fic tem e Secure Exchange Webs • Perimeter security phere MQ • Authentication & encryption • Mail boxing rect ct: Di onne C SWIFT TSU Translation Content-based routing Visibility SWIFT Standards libraries Business rules processing EBA STEP 2 Mailbox Bulking / de-bulking GS Validation RT P SA Translation and Integration Domestic • Adapters • Mapping • Financial services standards • Translation services 39 15 March 2018 Process Automation • Process modelling TARGET 2 • File and message routing • Automated exception handling Domestic
Banking Framework for Payments and Securities – Nordic Reference examples Customer name Value proposition Solution content Platform Dansk Bank Solution for SWIFT and Peyments Gateway WBI FN DB 2, WAS, MQSeries Websphere Message broker SW Services and PM Z/OS Dn. B NOR Solution for SEPA Credit Transfer and Corporate B 2 B Payments Liquidity Manager EPP using DB 2, WAS, MQSeries Websphere Message broker, SW Services and PM Z/OS Dn. B NOR SWIFT Gateway Merva Using WBI FN at EDB BP Z/OS EDB BP SWIFT Gateway WBI FN Z/OS VPS Solution for Funds and new SWTFT formats for securities EPP using DB 2, WAS, MQSeries Websphere Message broker, SW Services Intel VP Solution for Funds and new SWTFT formats for securities EPP using DB 2, WAS, MQSeries Websphere Message Broker, SW Services Z/OS Swedbank Solution for Funds and new SWTFT formats for securities EPP using DB 2, WAS, MQSeries Websphere Message Broker, SW Services UNIX
Web. Sphere BI for FN – Structure Business Application Financial Transaction Manager Message Management Message Entry and Repair GUI, Printing, Routing, … Web. Sphere BI for FN V 3. 1. 1 Web. Sphere Message Broker SWIFTAlliance Gateway (SAG) Accounting Timer Service Messaging Services for SWIFTNet Inter. Act and File. Act SAGMessage Warehouse Message Validation Add. On Web. Sphere BI for FN - Base Financial Message Transfer Monitoring Event handling Auditing FIN Security / Access Control Configuration Centralized Operating DB 2, Web. Sphere MQ, Web. Sphere Application Server Data model, message model, state machine, configuration and administrative interface, … New Relationship Management Application
IBM Financial Markets Framework Market Data Solution * Algorithmic Trading * Next Generation Trading Infrastructure * Front Office Portfolio Optimization and Trade Analytics Front Office Market Surveillance and Trade Monitoring Trade Process Transformation Back Office Buy Side Sell Side Market Infrastructure Back Office Post Trade Infrastructure Financial Risk Management Risk Settlement Risk Management Risk * Project includes Web. Sphere Front Office
Exchanges, ATS, ECN Data Feed (IDC) Simulated Venue for Order execution Data Feed (NASDAQ) Data Feeds (NYSE) Gateway Market Data Distribution Gateway Monitor Desktop Feed Handlers Front Office v 3. 0 Platform Market Data Distribution Web. Sphere MQ Low Latency Messaging Streams IDS Market Book and Market History Analytics Order Generation Processing Rules Routing Engine e. Xtreme Scale Market Data Analytics Reference data Analysis, Pricing and Order Generation Execution Strategy and Order Routing FIX Engine
IBM Offerings for Financial Markets Low Latency and High Performance Computing Ultra-low Latency Transport Wire speed Transformation Maximum security Low Latency Market Data Platform MQ Low Latency Messaging Data. Power Appliances Web. Sphere Front Office for Financial Markets Stream Processing In-memory Database Business Activity Monitoring Solid DB Infosphere Streams Cognos Now!
Agenda 1. Introducing IBM Industry Framework for Banking • The market demand for Banking Industry Frameworks • Definitions and key benefits 2. Industry Framework and Industry Solutions for Banking • • • Corebanking Modernisation Payments and Securities Customer care & Insight Integrated Risk Financial Markets Framework 3. Closing remarks • Where to get new collateral and information • Who to contact • Questions
Banking Industry Frameworks and Industry Solutions • IBM Industry Solutions : http: //www-01. ibm. com/software/data/content-management/industrysolutions/ • Smarter Commerce: http: //www. ibm. com/smarterplanet/dk/da/smarter_commerce/overview/inde x. html? re=spf • Banking Industry Frameworks: http: //www-935. ibm. com/services/us/gbs/industries/banking/
Questions?
Henrik Koch IBM Software Group, Nordic 2800 Lyngby Mobile: + 45 28803658 hkoch@dk. ibm. com 49
Primary target buyers and usage scenarios for CC&I Head of Retail Banking (or Chief Retail Banking Officer, EVP of Consumer Banking, Head of Retail and Small Business Banking) Head of Retail Banking • Lead and direct retail banking including consumer current accounts (checking), cards (credit and debit), savings, consumer lending – installment (i. e. , auto loans, student loans, etc. ), home loans (mortgages) and home equity loans as well as various investment products such as annuities, mutual funds, insurance etc. • Activities are coordinated over all channels including branches, call centers, ATMs, web and mobile. Head of Commercial Banking (or Chief of Commercial Banking, EVP of Wholesale Banking, Lending and Treasury Mgmt) Head of Commercial Banking • Responsible for managing relationships and servicing large corporate clients, mid-sized companies, real estate developers and investors, international trade finance businesses, institutional customers (such as pension funds and government entities/agencies), and services offered to other banks or other financial institutions. • Services include lending, treasury management, correspondent services, dealer commercial services, foreign exchange, government banking, mutual funds, asset-based lending, financing and leasing, commercial real estate, corporate and institutional trust services, and investment banking. Head of Private Banking, Head of Wealth Management Head of Private Banking or Wealth Mgmt • Oversee all aspects of banking activities targeted at high net-worth customer segments to provide investment management, retail banking, estate planning, legal and trust resources and tax advise all to build deposits, fee income, and overall asset growth through cross sales of bank products and services, retention, relationship management and community involvement. • Work closely with all other business line leaders to facilitate the development of new relationships as well as provide bank wide financial solutions to higher net worth clients by acting as a portal across the bank bringing together the right resources, providing convenience to clients, and providing bank wide solutions to clients. Head of Geographical Subsidiary (or EVP of Banking in a geography, President for a Region, VP of a Branch or Branches) • Responsible for all facets of performance of regional and branch offices for a designated geographic area. Develops policies, objectives, initiatives for region and is responsible for making sure the region meets its goals and objectives across all products and services of the organization. Chief Marketing Officer (or SVP of Marketing, Chief Marketing and Client Experience Officer, Head of Marketing) Head of Geographical Subsidiary Chief Marketing Officer • Design, operate and execute marketing plans aligned with business priorities to achieve the bank’s goals. • Establish long-term marketing objectives, branding and strategies to ensure continued brand growth and differentiation, while collaborating directly with business lines and the executive management team.
IBM Financial Crimes Reference Architecture Risk Assessment Channels Internal / External Scores Account Applications Credit/Risk Systems Operational Risk Systems Branch / Field Referrals (ATM, POS, Branch, Online, Mobile, etc) Data Integration & Framework Technologies Customers and Accounts Procedures Training Control Customer Authentication Internal / External Lists Transaction Channels Policy Management Financial Crimes Security Policy Management Identity Management Compromise Surveillance Events Authentication Device Profiling Federation Anti-Money Laundering and Terrorist Finance AML Transaction Monitoring Cross Enterprise Analytics Integrated Alert & Case Management Platform Alert Rollup Large Cash Reporting Market Surveillance Risk-Based KYC, CDD, and EDD Events Initial Customer Scoring Lifecycle Customer Scoring EDD Processes Suitability Watch Lists (Sanctions) Prioritization Cross Channel/ Product Analytics Workflow Mass Compromise Remediat-ion / Recovery Process Link Analysis / Data Visualization Corporate Security / Audit Process Product System Process High Risk Monitoring Compliance Processes Entity Resolution Metrics, Reporting, Dashboards Fraud Profiling, Prevention and Detection Products (card, deposit, mortgage, etc) Application Claims Identity / Online Merchant / Device Investment Internal Op. Risk Process Events Auto-Disposition Audit
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