Intelligente industriløsninger til den finansielle sektor

Banking Industry Framework Industry solutions for a Smarter Bank

Henrik Koch, Industry Solutions Executive, IBM Software Group

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

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

Lev

el o

f ad

op

tio

n

Representative Industries

ElectronicsChemicals & Petroleum

High-Tech ManufacturingAutomotive

BankingHealthcare

GovernmentFinancial Markets

InsuranceMedia & Entertainment

Representative Industries

Today Future

Custom (Legacy) Environment Integrated Solutions ISV-dominated Environment

Client buying behaviors are shifting towards an integrated solution which combines existing assets and new of the shelf-services

The market has requested: More standardised solutions, easy to integrate and more service oriented

With a framework approach, organisations can progressively transform to a more simplified, strategic infrastructure

Achieve a simplified and agile strategic infrastructure

3

Pick a framework project and start rationalizing to deliver a quick ROI1

Build on the value of previous projects and reuse assets2

Increasing reuse and business agility along the way!

IBM Industry Frameworks - deliver the full power of IBM software to industry solutions

The frameworks create a more agile foundation for future growth

Serv ers, storage, communication networks and associated serv ices

Value Add P rocess m od els & flows

In form ation m od els

Desig n tem p lates

Re-u sab le cod e assets

In d u stry stan d ard s

Com m on services

Industry spec ific cha llenges, market drivers , shifts & trends

Industry and subjec t matter expertiseApplica tions and too ls

Strategic Business Drivers

Industry Solutions

In tegrated on IB M m iddlewareIndustry Frameworks

Fram eworks deliver technology in an industry context, aligning IT to business needs

Industry Solutions

Commerce

B2B &Commerce

EnterpriseContent Management

Enterprise Marketing Management

Industry

Order management Optimization & logistics

Commerce

Marketing Process & Demand Generation Solutions

Industry Frameworks& Industry Assets

Essential Content Advanced Case Mgmt Content Analytics Information Lifecycle

Including:Energy and Utilities Retail Government/Defense Manufacturing Health Integration Media

Physical Meets Digital Customer Care & Insight Workforce Optimization Financial Transaction Management Financial Operations IBM Payments Director IBM Electronic Payments Platform

Industry Solutions Structure

IBM Banking Industry Framework

Information

Insight

Financial Risk

Financial Crimes

Governance & Compliance

Operational & IT risk

InteractionPayments Transaction Platform

Consumer Payments

Commercial Payments

Compliance & Risk

Architecture Transformation

Application Modernization

Process Agility

A Foundation for a Smarter Bank: Actionable Innovation

Speed solution deployment with foundational and domain-specific software extensions and accelerators

IBM Banking Industry Framework

IBM industry solutions

Integrated Risk Management

Information FrameWork (IFW) & Banking Data Warehouse (BDW)

Process and Data Models

IBM

Fou

ndat

iona

l

Cor

e B

anki

ng T

rans

form

atio

n

COGNOS Banking Performance

Blueprints

COGNOS Banking Risk Performance – Credit Risk

Entity Analytics and Global Name Recognition

Finance and Integrated Risk Management (FIRM)

COGNOS Risk Adjusted Profitability Blueprint

Inte

grat

ed R

isk

Man

agem

ent

SOA Banking Scenarios

Pay

men

ts &

Sec

uriti

es

WTX Industry PacksEPP Assets

pureXMLTM Payments Bundles

WebSphere BI for FN

Corporate Payments Scenario

Solution Templates

Banking Vocabulary

Design Rules

Banking Message Model

Cus

tom

er C

are

& In

sigh

t

COGNOS Banking Performance Blueprints

Customer Identification Solution

Common Business Language Services Accelerator

Banking Data Integration Accelerators

WebSphere Multichannel Bank Transformation Toolkit

Account Opening Scenario

Common Shared ServicesBanking Extensions for MDM Server

Services Component Building Blocks

Reference Payments Services Interfaces

Timer

Services

State

Engine

Payments Objects User Interface

Flow Coordinator

Development Tools / Methodology

WebSphere Modeler with IFW

Rational Software Architect with IFWWebSphere Banking

Content Pack

IBM Service Management for IRM

http://publib.boulder.ibm.com/infocenter/soasdbox/v1r0m0/topic/com.ibm.soln.SOASandbox.nav.fw.doc/home_pages/welcomeSandbox.html



Theme 4: Acquisitions expand business value

Banking Industry Framework – Themes behind V2

IT Systemsand Operations

Merchandisingand ProductManagement

Store andChannels

Theme 2: Shaped by industry software strategies and capabilities

Theme 1: A more unified framework

Core Banking Transformation

CustomerCare andInsight

Payments & Transaction

Services

Integrated Risk

Management

IBM DYNAMIC INFRASTRUCTURE

IBM SOFTWARE FOUNDATION

ENGAGEMENT EXPERIENCES CUSTOMER POCS/FOAKS EARLY ADOPTERS INDUSTRY STANDARDS

METHOD & TOOL

METHOD & TOOL

ARCHITECTURE

ARCHITECTURE

ACCELERATORS

ACCELERATORS

INTEGRATION PLT

INTEGRATION PLT

IBM BANKING INDUSTRY FRAMEWORK

ISV & SI PARTNERS

SERVICES

ENABLEMENT




METHOD & TOOL

METHOD & TOOL

ARCHITECTURE

ARCHITECTURE

ACCELERATORS

ACCELERATORS

INTEGRATION PLT

INTEGRATION PLT





METHOD & TOOL

METHOD & TOOL

ARCHITECTURE

ARCHITECTURE

ACCELERATORS

ACCELERATORS

INTEGRATION PLT

INTEGRATION PLT


ISV & SI PARTNERS

SERVICES

ENABLEMENT

ISV & SI PARTNERS

SERVICES

ENABLEMENT

Head of Retail Banking


Chief Marketing Officer (CMO)

Ind

us

try S

olu

tio

ns G

rou

p

Advanced Case Mgmt

Workforce Optimization

Financial Operations

Smarter Commerce

Customer Care & Insight

Smarter Physical Infra

Priority IndustriesPriority IndustriesS&D and GBS AlignmentS&D and GBS AlignmentPriority Industries

E&U Retail Health Telco Govt O&G Banking Electr Transport

Ind

us

try S

olu

tio

ns G

rou

p

Advanced Case Mgmt



Smarter Commerce




Ind

us

try S

olu

tio

ns G

rou

p

Advanced Case Mgmt



Smarter Commerce




E&U Retail Health Telco Govt O&G Banking Electr Transport

Theme 5: Tuned for LOB Buyer

Chief Risk OfficerChief Risk Officer

Theme 3: Incorporating key SW growth trends BAO

Banking Industry Framework BenefitsA 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




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

Banking reference architecture Master data Management Process Integration Information Integration Infrastructure Management, Security & Scalability

SimplificationComponentization

IntegrationOptimizationCollaboration

SecurityResiliency

Process Agility




Banking Industry Framework - Core Banking Transformation Projects

Start transforming core banking capabilities with a framework Project

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


Process Agility

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


Core Banking Transformation Project Areas

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

Business Partners

Content Validated on Framework

What are the key drivers for banks to modernize their core banking systems?

Technology Drivers

Product Innovation

Revenue GrowthRevenue Growth Efficiency ImprovementEfficiency Improvement

RegulationsRegulationsWorkforce OptimizationWorkforce

OptimizationArchitectural

SimplicityArchitectural

Simplicity

Drivers for Core Systems Modernization

M&A

Modularity SMEs Retiring Monitoring

Globalization

Operating Cost

Time To Market

Customer Centricity

Business Drivers

Regulatory Drivers

Enterprise LeverageEnterprise Leverage

Asset Rationalization Shared Services

SOA

ComplianceCompliance

Auditing ReportingFading Skills

Banks are looking at core systems modernization in response to specific business, technology and regulatory drivers

Solution Component Use: ‘Arrangement’ Service Model for Client Relationship and Offer Optimisation

BIS System Role

Development ExecuteAdvise ServiceMarketing Termination

2

IBM ILog Bus Rules Engine

Extract & Analyse 4

3

1

Group Business DevBusiness AdvisorsShared Service Center

IBM Industry Process & Service Models

3

BIS System & Product Factory Role

InfoSphere MDM Server for PIM

InfoSphere MDM ServerInfoSphere MDM Server

CRM Systems Use/Consolidate

Product Factory Role

InternetMobile Banking

MDM Server for PIM

IBM Master Data Management Product Portfolio

Collaborative Authoring Create Maintain Update Govern Deliver

MDM Domains

Business Services

Pre-built Customizable

Data Stewardship

Party Account Product Custom

Integration

Content Data Analytics

InfoSphere MDM Server

MDM Custom-Built Domains

Business Process workflow

NPI Multi-Commerce

Collaborative Authoring

Product Location Supplier Others

Catalog Mgt

InfoSphere MDM Server for PIM

19

Nordic BankFinancial Services

• 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

Challenge

Solution

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, MiFID) and operational efficiency

APPROVED FOR EXTERNAL USE

IBM® InfoSphere MDM Server IBM InfoSphere QualityStage IBM Rational Application Developer IBM InfoSphere MDM Server for PIM IBM WebSphere Application Server SWG Lab Services for implementation



Payments andTransaction Services


Interaction

Insight

Information

Banking Industry Framework – Customer Care and Insight Projects

Multi-Channel Transformation Interactive Marketing Sales and Advisory Transformation Onboarding a nd Origination Optimization Customer Care and Servicing

Customer Analytics Business Performance Analytics

Single View of Customer Customer Data Warehouse

IntegrationOptimization

AnalyticsCollaboration

SecurityResiliency

Get started with a Customer Care and Insight project

Information

Insight

Interaction

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

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.

CC&I capabilities are the foundation for all front-office projects

Customer Care and Insight Project Areas


Business Partners

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:

– 1,000s of transactions per second– Half-second average response time

Interactive Marketing bringing science to the art of marketing Interactive

Marketing

Delivering personalized offers across channels in real time

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

• 85M targeted offers served each day across 5 channels – direct mail, email, web, call center, and branches

• €20M increase in earnings expected• Lowered direct marketing cost 35%• Faster campaign cycle times: from 26 weeks per campaign to just 4 weeks

InteractiveMarketing

Mobile Web

...mobile Web applications or content for virtually any mobile device browser

Need

8,400 Devices

Solutions

Mobile Portal Accelerator

Portal Mobile Webkit Themes

Available today for iPhone

Coming soon for Android, Blackberry, iPad

...extend a Web experience to mobile devices for specific mobile browsers

..rapidly develop & deploy web & hybrid mobile applications that have a native smart phone, look and feel

..write once, run on many devices – tablets, kiosks, web, PDA and more

Web Experience Factory

- Portal Mobile Webkit Themes

- - WAS 8.0

- Dojo

- - Hybrid

Supporting smartphone and multi-channel application capabilities

Smartphones

WebSphere PortalWebSphere

Application Server

Tablets

DesktopBrowsers

Use one common set of tools, techniques, application code (models)...

...and generate applications for multiple clientdevices

WebSphere Experience Factory

...deploy to multipleplatforms...

Legacy(WS / REST)

Sharepoint(CMIS / REST)

CRM & SQL

IBM has a broad portfolio of Mobile Enablement offerings

Banking Industry Framework - Integrated Risk Management Projects

Compliance Information Lifecycle Management Corporate Governance and Internal Control Sales and Market Conduct Compliance Regulatory Compliance Prudential Compliance Collaboration for Legal and Compliance

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

Customer Screening and watch-list filtering Transaction monitoring for Suspicious Activity Case Management, Transaction blocking & Suspicious Activity

Reporting

Get Your Risk Data in Order Risk Insight and Control Real Time Risk Insight and Control Risk Optimization Risk Modeling and Scenario Analysis

Payments and Transaction Services

Governance and

Compliance

Operational and IT risk

FinancialRisk

FinancialCrimes


CustomerCare and

Insight


IntegrationOptimization

AnalyticsCollaboration

SecurityResiliency

Start small and grow with an Integrated Risk Management project

Financial Crimes

Operational & IT Risk

Governance & Compliance

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

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

Financial Risk

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

Integrated Risk Management Project Areas


Business Partners

Open Pages, Algorithmics, SPSS, Cognos, IFW, DB2

Flexible model leverages the strengths of leading technologies by adopting best of breed systems and processes

1. Consolidates alerts across channels2. Conducts cross-LOB analytics3. Automates, standardizes, and documents analysis and

investigation

Consolidated and integrated operational organization (where feasible) addresses customer-based alerts and enhances efficiency

Generates improved business intelligence for executives, benefiting tactical functions and enables strategic thinking

1. Implements top down policy based on organization risk tolerance

2. Consolidates accountability and direction of resources3. Prioritizes and manages initiatives4. Collaborates with other stakeholders to drive a safer

business

Integrated Financial Crimes Center of Excellence

Putting IBM’s Proposed Architecture into the Context of Our Recommended Target Operating Model Financial

Crimes

Solution OverviewFinancialCrimes

• 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

31

Major North American BankFinancial Services

• 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

ChallengeBenefits

BASEL II and management reporting requirements satisfied within tight management timelines, while improving data quality using an enterprise data infrastructure

Used IBM Information FrameWork (IFW), Banking Data Warehouse (BDW) and InfoSphere™ MDM Server as focal points for information consolidation and governance of data across thirty systems.

The data models enabled development standard- ization and identified project reuse opportunities.

Used InfoSphere DataStage 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.

Solution

Channel Integration Banking data Warehouse Financial Network Gateways Managed File Transfers Bulk de-bulk, Transformation and Entry / Repair

Consumer Payments Check Processing Payments online Mobile Payments Low Value high volume (i.e., cards)




Payments &Transaction Services

Banking Framework for Payments and Transaction Services Projects

Commercial Payments

High Value low volume Cross border Corporate services / Payment factory / Cash Management

Payments transaction Platform

CARD / Durbin / Regulation E (US based), Basel III, PSD, SEPA Payment Transparency, Liquidity,, AML, CTF, Embargo Check, Adaptive Risk / Regulation capableCompliance and Risk

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.

Payments Transaction Platform

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

Consumer Payments

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

Commercial Payments

project areas

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

Business Partners


Payments and transaction services projects – address business needs across the enterprise

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

Sample processes on which to build include SWIFTNet Funds, corporate payments and others – allowing a standard definition for orchestration

"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

IBM

3rd Party

Legend

Risk & Regulation

PaymentSchemes &Types

Gateway Adapters

Origination SystemsFinancial Business

Solutions

Invo

ice

Pre

sen

tme

nt

OF

AC

An

ti-M

on

ey

La

un

de

ring

AC

H:

NA

CH

A

Ch

eck

s

Cre

dit

& D

eb

it C

ard

s

Co

nta

ctle

ss

Financial Transaction Manager

Gateway ServicesGateway Services

Network Adapters

System Adapters

Financial Transactions IntegrationFinancial Transactions IntegrationMessage

mapping & Validation

ChannelManagement

Monitoring & Logging

Transaction Warehouse

Reporting & Dashboards

LifecycleManagement

Core ServicesCore ServicesObject Model

Interface Data ModelFlow CoordinatorPrinting & Validation

Customer Profile Management, Security, Auditing

State Engine Configuration

E-C

om

me

rce

InternalBanking Systems

CorporatePaymentSystems

ExternalPaymentNetworks

ConsumerChannels

NO

ST

RO

Tra

de

Fin

an

ce

Glo

ba

l Dis

bu

rse

me

nt

Tra

nsa

ctio

n A

na

lytic

s

Exc

ep

tion

& I

nve

stig

atio

ns

Ca

sh M

an

ag

em

en

t

TAR

GE

T2

CH

IPS

SW

IFT

...

Mo

bile

So

lutio

ns

Liq

uid

ity M

an

ag

em

en

t

SE

PA

Cre

dit

Tra

nsf

er

SE

PA

Dire

ct D

eb

it

...

Financial Transaction Manager -- direction

IBM Confidential

Smarter Business Outcomes• Ability to accommodate payments network / gateway changes without costly changes to back-

end 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

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 DnB NOR SEPA payments business

• The solution has a base common product with industry specific SEPA processing engine

Project Use Case – DnB NOR

37

How we can help: Sterling Integrator in banking

Content-based routing

Translation

MailboxBulking / de-bulking

Business rules processing

Validation

Websphere MQ

SAP

Connect:Direct

Back officeFile system

SWIFT

NACHA

Domestic

Standards librariesVisibility

EBA STEP2

SWIFT

NACHA

Domestic

TARGET2

TSU

April 12, 2023

38

Content-based routing

Translation

MailboxBulking / de-bulking

Business rules processing

Validation

Websphere MQ

SAP

Connect:DirectR

TGS

Back officeFile system

SWIFT

NACHA

Domestic

Standards librariesVisibility

EBA STEP2

SWIFT

NACHA

Domestic

TARGET2

TSU

Sterling Integrator – Features

Community Management• Registration and activation• Change management• Self service • Support

Secure Exchange• Perimeter security• Authentication & encryption• Mail boxing

Translation and Integration• Adapters• Mapping• Financial services standards• Translation services

Process Automation• Process modelling• File and message routing• Automated exception handling

Visibility Management• Monitoring and management• Notifications and alerts• Audit and reporting

Banking Framework for Payments and Securities – Nordic Reference examples

Customer name Value proposition Solution content PlatformDansk Bank Solution for SWIFT and Peyments Gateway WBI FN DB2, WAS, MQSeries

Websphere Message broker SW Services and PMZ/OS

DnB NOR Solution for SEPA Credit Transfer and Corporate B2B Payments Liquidity Manager

EPP using DB2, WAS, MQSeriesWebsphere Message broker, SW Services and PM

Z/OS

DnB 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 DB2, WAS, MQSeriesWebsphere Message broker,SW Services

Intel

VP Solution for Funds and new SWTFT formats for securities

EPP using DB2, WAS, MQSeriesWebsphere Message Broker, SW Services

Z/OS

Swedbank Solution for Funds and new SWTFT formats for securities

EPP using DB2, WAS, MQSeriesWebsphere Message Broker, SW Services

UNIX

WebSphere BI for FN – Structure

BusinessApplication

SWIFTAlliance Gateway (SAG)

DB

2,

We

bS

ph

ere

MQ

, W

eb

Sp

he

re A

pp

lic

ati

on

Se

rve

r

Accounting

Timer Service

WebSphere Message Broker

Message ManagementMessage Entry and Repair GUI, Printing, Routing, …

Messaging Servicesfor SWIFTNet InterAct and FileAct

WebSphere BI for FN V3.1.1

FIN

FinancialMessageTransfer

Centralized Operating

Configuration

Security / Access Control

Event handling

Monitoring

Auditing

Message Warehouse

SAG AddOn

Message Validation

WebSphere BI for FN - Base

Financial Transaction ManagerData model, message model, state machine, configuration and administrative interface, …

RelationshipManagementApplication

New

IBM Financial Markets Framework

Buy SideSell Side

Financial Risk Management

BackOffice

Risk

Market Data Solution *

Algorithmic Trading *

Portfolio Optimization and Trade Analytics

Trade Process Transformation

Market Infrastructure

Risk

Next Generation Trading Infrastructure *

Market Surveillance and Trade Monitoring

Post Trade Infrastructure

Settlement Risk Management

BackOffice

Risk

BackOffice

Risk

FrontOffice

Front Office

* Project includes WebSphere Front Office

Execution Strategy and Order Routing

GatewayGateway

WebSphere MQ Low Latency Messaging

Market Data Distribution

Feed Handlers

Platform

eXtreme Scale eXtreme Scale

Streams

AnalyticsOrder Generation

FIX EngineProcessingRules

Market DataAnalytics

IDSMarket

Book and Market History

Referencedata

RoutingEngine

Exchanges, ATS, ECN

Analysis, Pricing and Order Generation

MonitorDesktop

Data Feeds (NYSE)

Simulated Venue forOrder execution

GatewayGateway

Data Feed (NASDAQ)

Data Feed (IDC)

Market Data Distribution

Front Office v3.0Front Office v3.0

Low Latency and High Performance Computing

Ultra-low Latency Transport

In-memory Database

Wire speed TransformationMaximum security

MQ Low Latency Messaging

MQ Low Latency Messaging

WebSphere Front Officefor Financial Markets

WebSphere Front Officefor Financial Markets

DataPower Appliances DataPower Appliances

Infosphere StreamsInfosphere Streams

Solid DBSolid DB

Business Activity Monitoring

Cognos Now!

Stream ProcessingStream Processing

Low Latency Market Data Platform

Low Latency Market Data Platform

IBM Offerings for Financial Markets

Agenda




Banking Industry Frameworks and Industry Solutions

• IBM Industry Solutions:

http://www-01.ibm.com/software/data/content-management/industry-solutions/

• Smarter Commerce: http://www.ibm.com/smarterplanet/dk/da/smarter_commerce/overview/index.html?re=spf

• Banking Industry Frameworks: http://www-935.ibm.com/services/us/gbs/industries/banking/



http://www.ibm.com/smarterplanet/dk/da/smarter_commerce/overview/index.html?re=spf

http://www.ibm.com/smarterplanet/dk/da/smarter_commerce/overview/index.html?re=spf

http://www-935.ibm.com/services/us/gbs/industries/banking/

Questions?

48

Henrik Koch IBM Software Group, Nordic2800 Lyngby

Mobile: + 45 [email protected]

Primary target buyers and usage scenarios for CC&I


Chief Marketing Officer

Head of Commercial Banking

Head of Retail Banking (or Chief Retail Banking Officer, EVP of Consumer Banking, Head of Retail and Small Business 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)

• 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• 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)

• 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.

Head of Geographical Subsidiary

Head of Private Banking or Wealth

Mgmt

IBM Financial Crimes Reference Architecture

Internal / External Scores

Branch / Field Referrals

Credit/Risk Systems

Account Applications

Operational Risk Systems

Dat

a I

nteg

ratio

n &

F

ram

ew

ork

Tech

nolo

gies

Corporate Security / Audit Process

Product System Process

Compliance Processes

Remediat-ion / Recovery Process

Integrated Alert & Case Management Platform

Cross Enterprise Analytics

Op. Risk Process

Transaction Channels

Customers and Accounts

Events

Events

Events

Events

Mass Compro-mise

Cross Channel/ Product Analytics

Entity Resolution

Alert Rollup

Link Analysis / Data Visualization

Workflow

Metrics, Reporting, Dashboards

Prioritization

Audit

Policy ManagementRisk Assessment Procedures Training Control

Internal / External Lists

Anti-Money Laundering and Terrorist Finance

Customer Authentication

Risk-Based KYC, CDD, and EDD

Fraud Profiling, Prevention and Detection

AML Transaction Monitoring Large Cash Reporting Market Surveillance

SuitabilityWatch Lists (Sanctions)

Lifecycle Customer Scoring

Initial Customer Scoring

High Risk Monitoring

EDD Processes

Merchant / Device

Identity / OnlineProducts (card, deposit, mortgage, etc)

Internal

Investment

Claims

Application

Device Profiling

Identity ManagementChannels (ATM, POS, Branch, Online, Mobile, etc) Federation

Compromise Surveillance

Authentication

Security Policy Management

Auto-Disposition

FinancialCrimes

Intelligente industriløsninger til den finansielle sektor

Business

Transcript of Intelligente industriløsninger til den finansielle sektor