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  1. Banking Solutions from the Global Solution Center - Dallas Summer 2007 Rod Fleming Certified IT Architect flemingr@us.ibm.com 8/28/2014

  2. Content (Primary) Global Solution Center GSC Banking Solutions Approach: Service Components & Business Models Account Opening Mortgage eCollaboration Architecture Technologies Client Activity / Sales Support GSC Contacts & Offerings GSC Banking Solutions | Summer 2007

  3. Content (Global Solution Center) Global Solution Center GSC Banking Solutions Approach: Service Components & Business Models Account Opening Mortgage eCollaboration Architecture Technologies Client Activity / Sales Support GSC Contacts & Offerings GSC Banking Solutions | Summer 2007

  4. Global Solution Center - Dallas Global / Americas Industry Solution Center of Competency Client Facing Technical Sales Leadership to help IBM Win and Clients Succeed In-depth Industry Solution Architects and Integration Specialists • Integrating High Value Industry Solutions with Infrastructure • Bridging Gap from Business Process to Technology • Accelerating Client Integration of SOA World-class Facilities Executive & Technical Workshops - Industry Solution Exhibit Areas - Comprehensive Integration Lab Integration Lab Gallery RFid Exhibit Area “a robust set of Industry Solution capabilities providing innovative solutions our clients value” GSC Banking Solutions | Summer 2007

  5. Client • Decision Makers • Influencers Multi-Client Briefing Industry Event - Multiple Clients LOB Demonstration C-Level Sales Support - Client Specific Briefing/Workshop Proof of Concept – Clarify Need Technical Staff Proof of Concept – Validation of Solution Concept or Jumpstart Technical Briefings/Workshops Architecture GSC Client Facing Industry Solution Sales Support Client and Engagement Team Managed Opportunity La The GSC is engaged to provide assistance on complex solution sale opportunities throughout the sales cycle. GSC Banking Solutions | Summer 2007

  6. Content (GSC Banking Solutions) Global Solution Center GSC Banking Solutions Approach: Service Components & Business Models Account Opening Mortgage eCollaboration Architecture Technologies Client Activity / Sales Support GSC Contacts & Offerings GSC Banking Solutions | Summer 2007

  7. Retail Banking Issues forcing change and innovation Need for consistency of information across multiple channels plus personalized service Demand for differentiated banking products in order to respond to market pressures Decrease delivery costs; turn transactional operations into more service and sales oriented environment Aging disparate, redundant, inflexible systems are impacting critical delivery systems Ensure financial integrity and mitigate fraud, error, and abuse Continuing high levels of organizational mergers and acquisitions GSC Banking Solutions | Summer 2007

  8. Through solution framework with focus on … • Process • Workflow / business process management • Risk management • Interactions (People) • Smart selling • Multi-channel integration • Portal / workplace • Information • Customer data / profiling • Content Financial Services Banking Solutions in the Global Solution Center Applying to the … innovation customer experience • Sales and service • Multi-channel integration • Single view of customer account opening … as an example GSC Banking Solutions | Summer 2007

  9. Interactions (People) • Information • Process Financial Services Banking Solutions in the Global Solution Center Applying to the … innovation customer experience • Sales and service • Multi-channel integration • Single view of customer account opening … as an example Through solution framework with focus on … • Interactions (People) • Smart selling • Multi-channel integration • Portal / workplace • Information • Customer data / profiling • Content • Process • Workflow / business process management • Risk management GSC Banking Solutions | Summer 2007

  10. Process Driven Development • Interactions (People) • Information Customer Data / Profiling (widely reused portlet) Smart Selling: Personalized Real-Time Offers Smart Selling: Intelligent Electronic Forms Customer Banking Portal Product & Services • Customer Data Prefilled • Supports Immediate Decisioning Customer Document in Enterprise Repository Front Office: Teller Back Office: Credit Analyst Employee Workplace Role Based • Process Integration of Business Partner for Decisioning Model, Implement, Monitor Teller Financial Transactions Information Presentation Front Office: Platform Officer Financial Services Banking Solutions in the Global Solution Center Recent Key Interactions with Bank Customer Value Photo & Signature Electronic Signature Business Partner GSC Banking Solutions | Summer 2007

  11. Develop reference architecture based on current industry requirements and business needs Define a comprehensive business scenario that demonstrates functionality and capabilities Implement a subset of the reference architecture, resulting in a “live” solution prototype that is used with customers in briefings and workshops to demonstrate possibilities and technologies Capture and document the business and technical aspects of the project, using a defined methodology, in the form of work products, presentation materials, animations, and more For 2007, customer involvement is a key requirement! GSC Financial Services Banking Solutions GSC Banking Solutions | Summer 2007

  12. Account Opening May ‘05 Multi-Channel Transformation Nov. ’03 Business Process Management / Workflow Document / Content Management e-forms Automated Originations / Decisioning Enhanced Channel Enablement Employee On Demand Workplace Online forms Contact Centers (Enterprise & On Demand)  Operational Excellence Security WW Scenarios Apr. ‘04 Branch Transformation Oct. ‘02 Branch Renewal (Linux) Advisor Collaboration Portal-based App Delivery Service-based architecture Web Services Converged IP Network Personal Financial Services Prototype April ‘02 • Personalized services on mass scale • Real-time analysis & offers • Collaborative decision-making Customer Loyalty July ’00 (Ins.) & Sept. ’01 (Banking) • Single view of customer across the enterprise • Proactive offering of products & services • Multi-channel integration GSC Banking Solutions Review GSC Banking Solutions | Summer 2007

  13. SOA Foundation Spring ‘07 Account Opening May ‘05 Multi-Channel Transformation Nov. ’03 Business Process Management / Workflow Document / Content Management e-forms Automated Originations / Decisioning Employee, Role-based Portal User Interface (On Demand Workplace) Customer Internet Banking User Interface (Portal based) Business Process and Object Models from Information Framework (IFW) Business Process / Workflow Management (WebSphere Process Server) Electronic Forms (Lotus Workplace Forms) Enterprise Document / Content Management / Repository (DB2 Content Manager) Enabling Account Openingbusiness scenario (unstructured personal loan) Enhanced Channel Enablement Employee On Demand Workplace Online forms Contact Centers (Enterprise & On Demand)  Operational Excellence Security WW Scenarios Apr. ‘04 Branch Transformation Oct. ‘02 Branch Renewal (Linux) Advisor Collaboration Portal-based App Delivery Service-based architecture Web Services Converged IP Network Mortgage eCollaboration Spring ‘07 Personal Financial Services Prototype April ‘02 Leveraging SOA Foundation (see above) Electronic Signature(Silanis ApproveIt) Electronic Vaulting(Silanis Traceable Records Manager) Document Capture (Kofax Ascent, … ) Enterprise Document / Content Management / Repository (DB2 Content Manager) Enabling Mortgage eCollaboration business scenario (disclosure & closing documents) • Personalized services on mass scale • Real-time analysis & offers • Collaborative decision-making Customer Loyalty July ’00 (Ins.) & Sept. ’01 (Banking) • Single view of customer across the enterprise • Proactive offering of products & services • Multi-channel integration New for 2007 GSC Banking Solutions GSC Banking Solutions | Summer 2007

  14. SOA Foundation Spring ‘07 Employee, Role-based Portal User Interface (On Demand Workplace) Customer Internet Banking User Interface (Portal based) Business Process and Object Models from Information Framework (IFW) Business Process / Workflow Management (WebSphere Process Server) Electronic Forms (Lotus Workplace Forms) Enterprise Document / Content Management / Repository (DB2 Content Manager) Enabling Account Openingbusiness scenario (unstructured personal loan) Mortgage eCollaboration Spring ‘07 Leveraging SOA Foundation (see above) Electronic Signature(Silanis ApproveIt) Electronic Vaulting(Silanis Traceable Records Manager) Document Capture (Kofax Ascent, … ) Enterprise Document / Content Management / Repository (DB2 Content Manager) Enabling Mortgage eCollaboration business scenario (disclosure & closing documents) GSC Banking Solutions – 2007 GSC Banking Solutions | Summer 2007

  15. Content (Bus. Models , …) Global Solution Center GSC Banking Solutions Approach: Service Components & Business Models Account Opening Mortgage eCollaboration Architecture Technologies Client Activity / Sales Support GSC Contacts & Offerings GSC Banking Solutions | Summer 2007

  16. Three trends for building a new kind of enterprise • Need for flexibility and innovation is forcing organizations to break their business processes into manageable parts • Applications mirror this approach, becoming increasingly modular • Simplification of underlying IT infrastructure is required to manage and support changes in the business GSC Banking Solutions | Summer 2007

  17. Where to begin • Start by deconstructing your business model— breaking it down into discrete business processes and functions • These processes and functions are what we call service components • Each service component serves a unique purpose and interacts with other service components in the business model, using agreed upon cost structures and service levels GSC Banking Solutions | Summer 2007

  18. Business & Resource Admin Financial Management Business Portfolio Management Retail Banking Product Delivery Branch & Distribution Services New Business Development Customer Servicing & Sales Customer Relationship Development DDA/Lending Cards Investments Deconstruct and conquer: the Component Business Model Break down your enterprise into its components Activity Based Retail Bank Component Map Planning and Analysis Business and Resource Planning Production & Operations Management Segment Analysis & Planning Credit Management Finance Policies Asset & Liability Policy & Planning Channel/ Distribution Management Customer Servicing & Sales Planning Business Architecture Product Management Acquisition Planning Customer Portfolio & Analysis Alliance & Authority Management Checks and Controls Servicing Management Business Policies & Procedures Case Handling Financial Control Customer Behavior & Models Product Tracking Retail Portfolio Administration Risk Management Local Branch Administration Acquisition Administration Service/ Sales Administration Business Unit Tracking Operations Administration Treasury Customer Accounting Policies Application Processing Audit/Assur- ance/Legal Operations And Execution Branch Network Operations Collections & Recovery Consolidated Book/Position Maintenance Collateral Handling Merchant Operations Inventory Management Product Development & Deployment Smart Routing Customer Credit Administration Settlements Securities Market Analysis Human Resource Management Authorizations Customer Account Applications Securitization Market Research Relationship Management Portfolio Trading Facilities Operation & Maintenance Reconciliations Deposits (DDA) Billing Statements Dialogue Handler Loan Syndication Product Directory Custody Administration Systems Development & Administration Payments Branch Cash Inventory Customer Contact Handler Customer Profile Retail Securities Trading (Front Office) Marketing Alliance SLA Administration Financials Consolidation Retail Lending (Mortgages) Rewards Management Market Information In-bound Call Center Confirmations Contract Notes Corresp- ondence Trading (Back Office) Campaign Execution Fixed Asset Register Financial Capture Bank Teller Services Self-service Channel (ATM, Web) Valuations Production Assurance (Help Desk) Accounting General Ledger Wireroom (S.W.I.F.T.) OTC Services Product Processing Document Management Advertising Campaigns Sales Contact/ Event History Fund Management GSC Banking Solutions | Summer 2007

  19. Business Administration New Business Development Relationship Management Servicing & Sales Product Fulfillment Financial Control& Accounting Direct Control Execute A Business Component Map lays out the individual building blocks of an organization in a matrix that defines the relative management level and broad functional specialization Business Competency each column represents a primary group of related business activities. The goal is to partition the business into a non-overlapping and a collectively complete collection of competencies. A business competency addresses one or more managing concepts A Business Component is the basic interchangeable unit or building block of an organization. It collaborates with other components through its business services Business Planning Sector Planning Account Planning Sales Planning Fulfillment Planning Portfolio Planning • The Management Level reflects the authority and/or hierarchical seniority of the activities performed. CBM specifies three generic levels: • Direct – defining policy, plans and goals, organization, budgets and assessing overall performance • Control – allocating tasks and resources, authorizing and decision making, overseeing and troubleshooting • Execute – administering, maintaining and operating Business Unit Tracking Sector Management Relationship Management Sales Management Fulfillment Oversight Compliance Reconciliation Product Management Credit Decisioning Staff Appraisals Staff Administration Product Directory Credit Administration Sales Product Fulfillment Customer Accounts Marketing Campaigns Customer Dialogue Document Management General Ledger Production Administration Contact Routing GSC Banking Solutions | Summer 2007

  20. Business & Resource Admin Financial Management Business Portfolio Management Retail Banking Product Delivery Branch & Distribution Services New Business Development Customer Servicing & Sales Customer Relationship Development Business Policies & Procedures Risk Management Application Processing DDA/Lending Cards Investments Collateral Handling Customer Account Relationship Management Product Directory Payments Customer Profile Financials Consolidation Corresp- ondence Strategic view Strategic differentiation Document Management Competitive parity Basic Deconstruct and conquer: the Component Business Model Next, decide what’s differentiating and what is simply operating Activity Based Retail Bank Component Map Planning and Analysis Business and Resource Planning Production & Operations Management Segment Analysis & Planning Credit Management Finance Policies Asset & Liability Policy & Planning Channel/ Distribution Management Customer Servicing & Sales Planning Business Architecture Product Management Acquisition Planning Customer Portfolio & Analysis Alliance & Authority Management Checks and Controls Servicing Management Business Policies & Procedures Case Handling Financial Control Customer Behavior & Models Product Tracking Retail Portfolio Administration Risk Management Local Branch Administration Acquisition Administration Service/ Sales Administration Business Unit Tracking Operations Administration Treasury Customer Accounting Policies Application Processing Audit/Assur- ance/Legal Operations And Execution Branch Network Operations Collections & Recovery Consolidated Book/Position Maintenance Collateral Handling Merchant Operations Inventory Management Product Development & Deployment Smart Routing Customer Credit Administration Settlements Securities Market Analysis Human Resource Management Authorizations Customer Account Applications Securitization Market Research Relationship Management Portfolio Trading Facilities Operation & Maintenance Reconciliations Deposits (DDA) Billing Statements Dialogue Handler Loan Syndication Product Directory Custody Administration Systems Development & Administration Payments Branch Cash Inventory Customer Contact Handler Customer Profile Retail Securities Trading (Front Office) Marketing Alliance SLA Administration Financials Consolidation Retail Lending (Mortgages) Rewards Management Market Information In-bound Call Center Confirmations Contract Notes Corresp- ondence Trading (Back Office) Campaign Execution Fixed Asset Register Financial Capture Bank Teller Services Self-service Channel (ATM, Web) Valuations Production Assurance (Help Desk) Accounting General Ledger Wireroom (S.W.I.F.T.) OTC Services Product Processing Document Management Advertising Campaigns Sales Contact/ Event History Fund Management GSC Banking Solutions | Summer 2007

  21. Combined Retail Bank Component Map Planning and Analysis Checks and Controls Operations and Execution Market Information Bank Teller Services Relationship Management Dialogue Handler Distribution Credit Management Financial Control Segment Analysis & Planning Customer Behavior & Models Service/ Sales Administration Channel/ Distribution Management Sales Advertising Campaigns In-bound Call Center Corresp- ondence Customer Contact Handler Treasury Risk Management Customer Portfolio & Analysis Market Research Local Branch Administration Case Handling Applications Financials Consolidation Self-service Channel (ATM, Web) Campaign Execution Smart Routing Risk & Financial Management Asset & Liability Policy & Planning Securitization Manufacturing DDA/Lending Cards Investments Acquisition Planning Marketing Retail Lending (Mortgages) Merchant Operations Securities Market Analysis Retail Securities Product Management Product Directory Loan Syndication Inventory Management OTC Services Rewards Management Portfolio Trading Fund Management Production & Operations Management Product Development & Deployment Branch Cash Inventory Customer Servicing & sales Planning Insight Processing Authorizations Settlements Custody Administration Deposits (DDA) Customer Credit Administration Operations Administration Application Processing Servicing Management Collateral Handling Confirmations Contract Notes Valuations Billing Business And Resource Planning Business Policies & Procedures Audit/ Assurance/ Legal Acquisition Administration Retail Portfolio Administration Product Tracking Payments Financial Capture Product Processing Alliance & Authority Management Business Architecture Finance Policies Accounting General Ledger Statements Document Management Customer Profile Customer Account Trading (Front Office) Trading (Back Office) Wireroom (S.W.I.F.T.) Fixed Asset Register Business Unit Tracking Recon- ciliations Collections & Recovery Contact/ Event History Alliance SLA Administration Customer Accounting Policies Consolidated Book/Position Maintenance Human Resource Management Systems Development & Administration Facilities Operation & Maintenance Branch Network Operations Production Assurance (Help Desk) Infrastructure GSC Banking Solutions | Summer 2007

  22. Component Business Model (CBM) Business Model Component Business Model (CBM) Business Process Integrated Response Business Issue Technology Architecture Views Information FrameWork (IFW) Solution Architecture Views To address our clients’ business issues, IBM developed an approach that effectively links business and technology CBM + IFW Solution Architecture Views GSC Banking Solutions | Summer 2007

  23. IFW FOUNDATION MODELS FSDM FSFM FSWM IFW DATA MODELS IFW PROCESS & INTEGRATION MODELS BDWM IFW PROCESS MODELS BST FS-BOM AST FS-IDM IBM Information Framework (IFW) A framework of integrated business models, describing different aspects of the analysis and design required to support a financial institution IFW FOUNDATION MODELS: STANDARDIZATION, SCOPING AND DEFINITION OF BUSINESS TERMS IFW PROCESS MODELS: DETAILED ANALYSIS OF BUSINESS PROCESSES IFW INTEGRATION MODELS: ANALYSIS AND DESIGN OF REUSABLE BUSINESS FUNCTIONS REQUIRED AT THE APPLICATION SERVER GSC Banking Solutions | Summer 2007

  24. Arrangement ARRANGEMENT CUSTOMIZATION ARRANGEMENT FREQUENCY ARRANGEMENT LIFECYCLE STATUS Potential Arrangement Proposed Arrangement … Offered Arrangement … IFW Financial Services Data Model A classification of business concepts, and the relationships between business concepts IFW FOUNDATION MODELS FSDM expressed business concepts by classifying according to 9 fundamental data concepts: FSDM FSFM FSWM IFW DATA MODELS IFW PROCESS & INTEGRATION MODELS BDWM IFW PROCESS MODELS BSTs FS-BOM IFW ODS FS-IDM GSC Banking Solutions | Summer 2007

  25. IFW FOUNDATION MODELS FSDM FSFM FSWM IFW DATA MODELS IFW PROCESS & INTEGRATION MODELS BDWM PROCESS MODEL BSTs FS-BOM WCC FS-IDM IFW Financial Services Business Process Model Detailed business process models capturing the end-to-end story Financial Services Business Process Model Categories • Accounting Management • Arrangement Account Processing • Arrangement Administration • Arrangement Negotiation • Arrangement Reporting • Arrangement Review • Campaign Management • Channel Management • Collateral Management • Communication Management • Financial Market Offering Management • Financial Resource Management • Financial Transaction Processing • Human Resource Management • Infrastructure Management • Involved Party Maintenance • Market Resource Management • Physical Security Provision • Product Management • Product Monitoring • Profitability Determination • Relationship Management • Resource Item Management • Risk Management • Settlement Processing • Supply Chain Management Arrangement Negotiation Activate Banking Product Arrangement Activate Deposit Arrangement Activate Loan Arrangement Activate Transfer Service Arrangement Provide Arrangement Proposal Provide Banking Product Arrangement Offer Provide Deposit Arrangement Offer Provide Loan Arrangement Offer Review Offered Arrangement Status GSC Banking Solutions | Summer 2007

  26. ANALYSIS DESIGN PLANNING PROCESS DESIGN REQUIREMENTS IDENTIFICATION OF PROJECT SCOPE SCOPING OF BUSINESS PROCESSES CUSTOMIZATION OF PROCESSES IDENTIFICATION OF SERVICE CANDIDATES DETAILED USE CASE ANALYSIS SERVICE DESIGN IFW Project Lifecycle Each step in the roadmap progresses through the software lifecycle, providing distinct outputs that can be verified at “gates” along the way. FUNCTIONAL SCOPE DATA SCOPE PROJECT DEPENDENCIES PROCESS SCOPE CUSTOMIZED PROCESSES SERVICE CANDIDATE USE CASES SERVICES ARCHITECTURE CODE TEMPLATES PROCESS FLOWS DEVELOPMENT LIFECYCLE PHASES IFW PROCESS AND INTEGRATION MODELS APPLY ACROSS MULTIPLE PROJECT PHASES OUTPUTS EACH STEP IN THE CUSOMIZATION ROADMAP PRODUCES DISTINCT OUTPUTS GSC Banking Solutions | Summer 2007

  27. DEPLOYMENT ENGINEER JAVA DEVELOPER MODEL MANAGER PROCESS MODEL EXPORT/IMPORT INTERFACE MODEL EXPORT/IMPORT MODEL REPOSITORY Information FrameWork (IFW) PROCESS MODELLING AND USE CASE ANALYSIS Websphere Business Modeler Rational Software Architect BPELEXPORT SERVICE DESIGN UML To EJB PROCESS SIMULATION SOLUTION ARCHITECT WSDLEXPORT BUSINESS ANALYST PROCESS DEVELOPMENT Websphere Integration Developer Websphere Process Server Rational Application Developer INTEGRATION DEVELOPER Websphere Business Monitor Websphere Application Server DEPLOYMENT Tooling: Analysis, Design and Implementation Environments … in an Information Framework (IFW) environment GSC Banking Solutions | Summer 2007

  28. Content (Account Opening) Global Solution Center GSC Banking Solutions Approach: Service Components & Business Models Account Opening Mortgage eCollaboration Architecture Technologies Client Activity / Sales Support GSC Contacts & Offerings GSC Banking Solutions | Summer 2007

  29. Payments (Order Product Portfolio Data mining & entry – SO/DD) Management customer analytics Invoice discounting Debt collection & Paper storage/ Mgt processing recovery Fraud Mail processing Cash replenishment Product Design & Development Account Maintenance Mortgage processing Clearing Payments Systems Account Opening Card acquiring processing Statements Decisioning & Authorisation Card issuing Other loan Securities processing processing processing & management Why Account Opening? Account Opening is a core banking function that has proved to be a major cost item that banks are looking to reduce worldwide Cost Breakdown of a Bank’s Activities* Total Manufacturing & Processing Cost Base • Account Opening is a major item of the cost base • Account Opening is a major portion of the manufacturing and processing cost base of banks – mainly verification and fulfillment steps of the Account Opening workflow • Duplication of effort and systems increases Account Opening costs • Lack of an enterprise wide account opening workflow with duplication of effort across product lines and channels is the major reason behind such a significant cost base • Maintaining interfaces among disparate systems is the major reason behind costs • Maintaining interfaces between multiple account opening systems and applications across product lines and channels is the single most important cost challenge • M&A activity has perpetuated maintenance costs • High maintenance costs are further magnified through M&A activity that has taken place in the worldwide banking industry Note: The costs are derived from a detailed analysis of the British and Irish operations of a large European bank. Labor costs and other expenses incurred to support the function of components in the manufacturing and processing layers (excluding IT) are incorporated. Source: IBM Banking Industry Thought Leadership products; IBM client engagements GSC Banking Solutions | Summer 2007

  30. Retail Outlet (branch, kiosk, ATM) Retail Outlet (branch, kiosk, ATM) Fulfill & Activate Pre-Sales Apply Verify   Provide at Retail Outlet Upon Verification Post Post (pre-approval included)  Face-to-Face  Mail Consumables Phone Phone   Electronic Messaging (facilitated by digital signatures) Other (mobile phone, direct sales model etc.) Internet Internet   Other (mobile phone, direct sales model etc.) Follow Up and Activate Remote • New customer contacts the bank through a channel with a need for a new account • Existing customer returns to bank through a channel with a need for a new account • Bank listens and records customer needs and identifies best product • Customer applies for the product suggested. Fills out application and submits supporting documents • Bank verifies the identity of the customer and performs credit checks • Bank prices product accordingly • Account is funded and opened • Banks follow up with customers to make sure the account is activated timely Account Opening is an end-to-end workflow that starts with customer need identification and ends with activation of opened accounts Account Opening is defined for transaction based basic retail and unsecured lending products GSC Banking Solutions | Summer 2007

  31. Account Opening Business Scenarios #1: Customer Applies for Loan via Internet Banking Portal #2: Customer Applies for Loan in Branch #3: Manual Review by Credit Analyst #4: Analyst Requests Documentation from Customer #5: Customer Provides Requested Documentation GSC Solution Prototype GSC Banking Solutions | Summer 2007

  32. Customer Customer Customer Complete Online Loan Application Add Information For Co-Borrower (if applicable) Review Pre-filled Information Customer View Decision Response Online Presented within specified time interval System System Customer Decision Loan Application Generate Cust. Corresp. with Decision View Customer Correspondence Approve, deny, pending Decision notification; welcome package via preferred channel System Establish and Fund Account Scenario #1: Customer Applies for Loan via Internet Banking Portal Customer Customer Customer Customer Customer Log in to Internet Banking Portal Review Account Information View Personalized Offers View / Compare Personal Loan Products Begin Online Loan Application Un-secured personal loan Customer Customer Sign Loan Applic. Electronically (if required) Review Agreement Conditions Dependent on loan amount Customer Submit Loan Application GSC Solution Prototype GSC Banking Solutions | Summer 2007

  33. Customer Employee Employee Employee Review Agreement Conditions Complete Online Loan Application Add Information For Co-Borrower (if applicable) Review Pre-filled Information With input from customer With input from customer With input from customer Employee View Decision Response Online Presented within specified time interval System Customer Customer Decision Loan Application Generate Cust. Corresp. with Decision View Decision Response Online View Customer Correspondence Approve, deny, pending Decision notification; welcome package via preferred channel System Establish and Fund Account Scenario #2: Customer Applies for Loan in Branch Employee Employee Employee Employee Employee Log in to Employee Workplace (Portal) Greet Customer in Branch Office Retrieve Customer Info. & Offers View / Compare Personal Loan Products Begin Online Loan Application Un-secured personal loan Employee Submit Loan Application System On behalf of customer GSC Solution Prototype GSC Banking Solutions | Summer 2007

  34. Employee Employee System Employee Log in to Employee Workplace (Portal) Select Loan Application to Review / Process Retrieve Customer Information Analyze Loan Application Data & Credit Info. Employee Retrieve Other Cust. Documentation System From enterprise repository; Employment verification (e.g.) Employee System Notify Analyst Upon Receipt Of Documentation Generate & Deliver Request to Customer Request Cust. Documentation (if not available) Via preferred channel Employee Wait for Receipt of Documentation from Customer Employee Employee Analyze Appropriate Data Record Loan Decision Approve, deny Scenario #3: Manual Review by Credit Analyst ( & #4: Request Doc. ) System Retrieve Loan Application Data & Credit Info. Scenario #4: Request Customer Documentation GSC Solution Prototype GSC Banking Solutions | Summer 2007

  35. Customer Provide Requested Document(s) Employee Employee Receive Document(s) from Customer Initiate Scan of Customer Document(s) Using cover sheet with bar codes System System Add Digitized Document(s) into Repository Scan & Capture Customer Document(s) Using bar coded indexes Scenario #5: Customer Provides Requested Documentation Including cover sheet with bar codes Employee Employee Employee Log in to Employee Workplace (Portal) Greet Customer in Branch Office Retrieve Customer Info. & Offers System System Notify Process when All Req. Docs. Are Received Recognize & Track Receipt of Requested Docs. With input from customer Employee Retrieve Document(s) from Repository GSC Solution Prototype GSC Banking Solutions | Summer 2007

  36. Business Process Model – Loan Origination / Account Opening GSC Solution Prototype GSC Banking Solutions | Summer 2007

  37. Loan Arrangement Master Process is instantiated as a result of customer request for a loan application. Once the loan application is filled out and submitted, the state machine will invoke “Arrangement Offer 1” to kick off the Acceptance process. GSC Solution Prototype GSC Banking Solutions | Summer 2007

  38. Provide Loan Arrangement Offer 1 This process is to be kicked off (invoked asynchronously) from Loan Arrangement Master state machine once the application is submitted. At the end of the process, Provide Loan Arrangement Offer 2 will be invoked to kick off the Approval process. GSC Solution Prototype GSC Banking Solutions | Summer 2007

  39. Provide Loan Arrangement Offer 2 • This approval process is to be invoked asynchronously • from Loan Arrangement Offer 1 … • For Mortgage: when all disclosure documents have been received • For non-mortgage: by Invoke Approval Process activity. GSC Banking Solutions | Summer 2007

  40. Business State Diagram GSC Solution Prototype GSC Banking Solutions | Summer 2007

  41. Provide Loan Arrangement Offer 3 This offer process is to be invoked asynchronously from Provide Loan Arrangement Offer 2 – after the Arrangement request has been approved. At the end of this process, if the approved request is offered, the FSS_Activate/Complete Loan Arrangement process will be invoked. GSC Solution Prototype GSC Banking Solutions | Summer 2007

  42. Content (Mortgage eCollaboration) Global Solution Center GSC Banking Solutions Approach: Service Components & Business Models Account Opening Mortgage eCollaboration Architecture Technologies Client Activity / Sales Support GSC Contacts & Offerings GSC Banking Solutions | Summer 2007

  43. Mortgage eCollaboration Business Scenarios #1: Electronic Delivery and Signing of Disclosure Documents … by customer via internet banking portal #2: Signing Ceremony with Closing Documents ( paper & electronic ) … with closing agent in title company via “agent” portal #3: Document Input into Content Repository … scan documents at closing table via “agent” portal #4: Status / Verification of Closing Documents … by loan processor within lending institution GSC Proof Of Concept GSC Banking Solutions | Summer 2007

  44. Customer Customer Customer Review / Accept / Sign Disclosure Docs. Review & Accept e-Consent Document Select Link to Begin e-Signing Ceremony System Generate Disclosure Documents In APF format (simulated) Customer Log in to Internet Banking Portal Guided by menu and instructions Scenario #1: Electronic Delivery and Signing of Disclosure Docs. Customer Complete Mortgage Loan Application Online Using Loan Origination System (simulated) Employee System System Complete Mortgage Loan Application Online Convert Docs.into Required Format Generate & Deliver e-Signature Invitation to Cust. On behalf of customer; using Loan Origination System (simulated) Into .pdf format (simulated) Via secure e-mail or alert System Package e-Signed Documents Resulting format is .pdf System Store e-Signed Documents in Repository Loan Processing Continues GSC Proof Of Concept GSC Banking Solutions | Summer 2007

  45. Closing Agent Closing Agent Closing Agent Review & Accept e-Consent Document Select Link to Begin e-Signing Ceremony Log in to Internet Portal Via internet portal of lender for “closing agent” Closing Agent System Package e-Signed Documents Sign Paper Documents Register e-Signed Documents in MERS eRegistry Resulting format is .pdf Authenticity of original electronic document System Store e-Signed Documents in Repository Scenario #2: Signing Ceremony with Closing Documents System System System Pre-Closing Activities Generate Closing Documents Convert Docs.into Required Format Generate & Deliver e-Signature / Closing Invitation to “Closer” Electronic format (simulated); Promissory note is in MISMO SmartDoc format Into .pdf format (simulated) Via internet portal of lender for “closing agent” Closing Agent Closing Agent Print Paper Closing Documents Review / Accept / Sign Electronic Closing Docs. Guided by menu and instructions Guided by menu and instructions System Closing Agent Customer Ensure Authenticity Of Customer Review / Sign Electronic Docs. Via normal means (ID, …) Guided by closing agent in lender’s portal session; Can include use of signature pad Loan Processing Continues GSC Proof Of Concept GSC Banking Solutions | Summer 2007

  46. System System System Transfer Scanned Doc. Images to Lending Enterprise Capture Appropriate Data from Doc. Images Scan Closing Document(s) Using bar coded information on documents Via secure connection Using distributed scan technology System System Recognize & Track Receipt of Documents Notify Process When Req. Docs. Are Received Scenario #3: Document Input into Content Repository Document Capture & Input into Lender’s Content RepositoryInitiated from within Title Company using Distributed Scan Technology Closing Agent Closing Agent Log in to Lender Internet Portal for Closing Agent Initiate Scan Of Closing Document(s) Via lenders’ Internet Portal interface using downloaded applet System Add Digitized Document(s) into Repository With appropriate indexes (from bar coded information on docs. Document Capture & Input into Content RepositoryInitiated from within Lending Enterprise using Multi-Function Device Printer System System Employee Initiate Scan of Customer Document(s) Scan & Capture Customer Document(s) Add Digitized Document(s) into Repository Using cover sheet with bar codes GSC Proof Of Concept GSC Banking Solutions | Summer 2007

  47. Document Verification - Mortgage Loan Processing Escrow Account Disclosure Statement – Image from Repository Employee Employee Select Specific Mortgage Document Set Expand View of Closing Document + - - Escrow Account Disclosure Statement – Verification Verification Instructions: • Verify Loan Number & Property Address in image above with data given below. • Loan Number: 12345 • Address: 125 Highline Drive • City: Center Point • State: Texas • Sign this verification electronically. Insurance Policy (not present) Settlement Statement (not present) - - This view is driven by a Workplace Form Sign Form Delete Scenario #4: Status / Verification of Closing Documents System Employee Employee Notify Loan Processor of Doc. Set Review Select Mortgage Status / Summary View Verify Documents Sign electronically, with Digital certificate (optional) Documents - Mortgage Loan Processing Filter capability Overall DocumentLoan #TypeStatusName - 000000000011 Mortgage James Doe Doc. VerifyType of Documentin CMComplete Disclosure Documents Closing Documents Required: Promissory Note .xml Deed .tif Verify Document Escrow Account Discl. .pdf Verify Document Optional: Survey .tif Flood Insurance .tif + 000000000175 Mortgage Charles Downing + 000000002245 Mortgage Robert Green GSC Proof Of Concept GSC Banking Solutions | Summer 2007

  48. Provide Loan Arrangement Offer 1 This process is to be kicked off (invoked asynchronously) from Loan Arrangement Master state machine once the mortgage application is submitted. At the end of the process, Provide Loan Arrangement Offer 2 will be invoked to kick off the Approval process. Base loan processing is extended for more complex products, e.g., mortgage (with disclosure documents) GSC Solution Prototype GSC Banking Solutions | Summer 2007

  49. Content (Architecture) Global Solution Center GSC Banking Solutions Approach: Service Components & Business Models Account Opening Mortgage eCollaboration Architecture Technologies Client Activity / Sales Support GSC Contacts & Offerings GSC Banking Solutions | Summer 2007

  50. If the design of an enterprises is based on loosely coupled business components, then IT should not bind the business components Must support extended value chains, i.e., business arrangements that can span multiple suppliers, partners and IT domains Monolithic systems and applications can’t be reused Ad hoc integration is difficult to change/maintain Rigidity makes small improvements hard to justify Business flexibility depends on IT flexibilityTraditional IT architecture is a choke point “Today’s IT architectures…are thebiggest roadblocks[to]strategic moves.” – McKinsey, “Flexible IT, Better Strategy” GSC Banking Solutions | Summer 2007