Loan Origination Reference Architecture Deep Dive
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    Loan Origination Reference Architecture Deep Dive Loan Origination Reference Architecture Deep Dive Presentation Transcript

    • Architecture Deep Dive Reference Application Pack for Loan Origination Systems Architecture Strategy Team Mike Walker
      • IT and business challenges
      • Architecture walk-through
      • Addressing enterprise concerns
      Agenda
    • Goal … Unify people, process, and technology through proven technologies that reduce cost, defragment channels, and provide holistic views of the customer… ” Mike Walker 2006 “
    • Lending Challenges in Banking 1 of 2
    • Lending Challenges in Banking 2 of 2 * US Market Forecast – JupiterResearch 2005
      • Technology constraints limit agility
      • Multiple Loan Origination System (LOS) solutions that do not interoperate
      • Few vendors provide comprehensive technology choices
      • Workflows are cumbersome, not manageable
      • Business logic is often hard-coded
      • Point-to-point integration is not scalable
      Technology Challenges
      • Logical architecture
        • Presentation layer
        • Application services layer
        • Lending message bus
        • BRE and orchestration layer
        • Data services layer
      Architecture walk-through
      • Designing enterprise-class Office Business Applications (OBAs) for the financial services industry
      • Familiar and powerful Office clients for information consumption
      • Role-based extensibility
      • Provide rich Office components that consume and share industry standards schemas (for example, Mortgage Industry Standards Maintenance Organization (MISMO))
      Goals of the Architecture 1 of 2
      • Automate lending business processes with Windows Workflow Foundation and BizTalk System orchestrations
      • Bridge the gap between disparate business capabilities across a heterogeneous banking environment
      • Centralized Business Rules decouple with computation logic
      • Scalable and robust lending platform
      Goals of the Architecture 2 of 2
      • OBA Reference Application Pack (RAP) for Loan Origination Systems in financial services
        • Architecture Framework —Reusable loan architecture factory
        • Code Artifacts
      RAP for Loan Origination Systems 1 of 3
      • Custom Web Parts
      • WSS site templates
      • WF workflows
      • BDC entities
      • InfoPath forms
      • MISMO Accelerator
      • BizTalk orchestrations
      • BRE rules
      • SQL Server schemas
      • Web Services proxies
      • Reports
      • Glue code
      • MSI for installation
      • Architecture guidance —White papers that educate architects about how to design, build, and deploy OBAs for LOS
        • Building Sustainable Banking Architectures
        • Architecting Enterprise Loan Workflows and Orchestrations
        • Architecting Regulatory Complaint Banking Solutions
      RAP for Loan Origination Systems 2 of 3
      • Rich media —Webcasts and podcasts about Reference Architecture
      • Hands-on lab —Scripted application scenario, self-paced online training
      RAP for Loan Origination Systems 3 of 3
      • Microsoft Office SharePoint Server 2007
      • .NET 3.0 (WCF and WF)
      • BizTalk 2006
        • Orchestrations
        • Business Rules Engine (BRE)
      • SQL Server 2005
        • Analytical Services
        • Reporting Services
      Enabling Technologies Content Management Workflow & Portal Business Intelligence Search Communications & Collaboration SQL Server BizTalk
    • Logical Architecture Presentation Layer Extensible UI Web-Based Portal Office Clients Business Rules Engine Orchestration Layer Business Process Management Centralized Business Rules Data Services Layer SQL Server 2005 Third-Party External Mortgage Providers Lending Message Bus Application Services Layer Unified Communications and Collaboration Business Intelligence Enterprise Content Management Workflow Search Business Data Catalog Extensible UI Open XML File Formats Website and Security Framework
      • Greater than the sum of the parts
      Office Business Applications + = OBA + Real-world + Implicit + Unstructured + Collaborative + Ad hoc + Dynamic
      • Idealized
      • Explicit
      • Structured
      • Transactional
      • Formal
      • Rigid
    • Anatomy of OBA Outlook Word Excel PowerPoint InfoPath Communicator Clients Forms Services Excel Services Data Services ECM Services Security Services Storage Services Portfolio Management Project Management Enterprise Search MOSS 2007 Portal Framework Workflow Foundation Rights Management Services Document Libraries WSS 3.0 Shared ASP.NET Master Pages | Web Parts ASP.NET Master Pages | Web Parts .NET VB | C# IRM Open XML
      • Couples rich UI with back-end systems
      • Utilizes MOSS Services
      OBA Architecture Patterns
      • MOSS portal is the primary UI
      • Exposes LOB information through Web Parts
      • Smart Client, Ent. Mashup
      • Fits in heterogeneous environments
      Office Clients Portal Clients Hybrid Clients WP MOSS Services LOB Systems WP WP LOB Systems WP WP Ribbon Task Pane MOSS Services LOB Systems
    • Presentation Layer Presentation Layer Extensible UI Web-Based Portal Office Clients Business Rules Engine Orchestration Layer Business Process Management Centralized Business Rules Data Services Layer SQL Server 2005 Third-Party External Mortgage Providers Lending Message Bus Application Services Layer Unified Communications and Collaboration Business Intelligence Enterprise Content Management Workflow Search Business Data Catalog Extensible UI Open XML File Formats Website and Security Framework
      • Office UI extensibility
        • Contextual ribbons
        • Tight integration with Office by using task panes and ribbons
        • Application-level add-ins
        • .NET-managed code extensibility
      Presentation Layer—Clients 1 of 2
      • New UI customization model
      • Application-level task panes
      • Consistent model between applications
      • Create and deploy application -specific functionality
      • Add your own tabs, built-in tabs, and contextual tabs
      Presentation Layer—Clients 2 of 2 Add-in VSTO Services WSS / MOSS Web services Ribbon Task Pane Core Features Storage
      • Word, Excel, and PowerPoint
        • Overhauled UI to create new user experience (UX)
        • Enhanced integration with WSS and other data sources
        • New XML-based file format to enhance integration and interoperability
      • Outlook
        • New object model for developers
        • Enhanced search and RSS feeds
        • WSS integration with tasks, scheduling, and list synchronization
      Office Client Integration Excel 2007 PowerPoint 2007 Outlook 2007 Exchange Server Other Databases & Web Services WSS “V3” Word 2007
    • ECM Integration Enterprise Search Business Data Catalog Role-Based Web Service Integration ECM Integration
      • Web Part page in WSS is designed with
        • One instance of SPWebPartManager class
        • One or more SPWebPartZones
        • Editor zones and Catalog zones supplied by WSS pages
      Web Part Architecture Web Part 3 Web Part 4 Web Part 5 SPWebPartManager Editor Parts Catalog Parts Editor Zone Catalog Zone SPWebPartZone (Right) Web Part 1 Web Part 2 SPWebPartZone (Left)
      • Design time views
      • Modelling
      XML Support Under the Covers
      • Word processing standard
      • Extends BI
      Visio Visio XML Word, Excel, Powerpoint Open XML InfoPath Custom XML
      • Application -centric
      • Tech and industry standards– based
      • XML allows Office information to flow freely through the enterprise
      • New opportunities to share information with customers
      • Information can be surfaced through Office applications more easily
      • Generating documents in Word
      Where Open XML Documents Can be Used XML
      • Your site can generate documents on demand
        • Generate documents from live back-end data
        • Eliminate cut-and-paste from Web pages
        • Provide rich offline experience
      Scenario: Document Generation Excel Your Bank’s Web site Spreadsheet with your account data
      • Pluggable architecture
        • You can design your own inspector
        • Add yours through exposed COM interface
      • Some possibilities:
        • ‘ Sensitive’ words, phrases, or topics
        • Content marked confidential
      • Verifiable
        • New file format allows for external verification
      Document Extensibility Scenarios
    • Extending MOSS Web Services WSS Adapters and Object Model Remote Client Client or Web Parts SharePoint Server
    • InfoPath Architecture Generate and render HTML (using script) Validation Execute calculations Execute rules Editing actions (All using script) Post back event log via XMLHTTP Return updated data array Download script and data array Browser WSS Generate MOSS Servers Replay event log XSN XSN XSN, XML loaded Business logic execution
      • Rich XML transformation, conditional formatting calculations, data access, and validation
      • Developer productivity gains
      • Extensibility
        • SharePoint Web Part
        • InfoPath client option
        • Smart Client
      • Online/offline capabilities
      • Native XML support
      Why InfoPath?
      • Validated based on MISMO schema
      • Drag XML elements
      • Form saves standardized MISMO XML to document library
      • Versioning of auditing of the loan occurs automatically
      InfoPath Loan Application Screen <?xml version=&quot;1.0&quot; encoding=&quot;utf-8&quot;?> <xs:schema xmlns=&quot;http://tempuri.org/MORTGAGE_APPLICATION_v2_1&quot; elementFormDefault=&quot;qualified&quot; targetNamespace=&quot;http://tempuri.org/MORTGAGE_APPLICATION_v2_1&quot; xmlns:xs=&quot;http://www.w3.org/2001/XMLSchema&quot;> <xs:element name=&quot;LOAN_APPLICATION&quot;> <xs:complexType> <xs:sequence> <xs:element minOccurs=&quot;0&quot; maxOccurs=&quot;1&quot; ref=&quot;_DATA_INFORMATION&quot; <xs:element minOccurs=&quot;0&quot; maxOccurs=&quot;1&quot; ref=&quot;ADDITIONAL_CASE_DATA&quot; /><xs:element minOccurs=&quot;0&quot; maxOccurs=&quot;1&quot; ref=&quot;AFFORDABLE_LENDING&quot; /> <xs:element minOccurs=&quot;0&quot; maxOccurs=&quot;unbounded&quot; ref=&quot;ASSET&quot; /> <xs:element minOccurs=&quot;0&quot; maxOccurs=&quot;unbounded&quot; ref=&quot;DOWN_PAYMENT&quot; /> <xs:element minOccurs=&quot;0&quot; maxOccurs=&quot;1&quot; ref=&quot;GOVERNMENT_LOAN&quot; /> <xs:element minOccurs=&quot;0&quot; maxOccurs=&quot;1&quot; ref=&quot;INTERVIEWER_INFORMATION&quot; /> MISMO XSD
      • Forms are first-class e-mail items in Outlook 2007
      • Easy access to forms within Outlook
      • Property promotion in Outlook folders
      • Export to Excel and Merge functionality within Outlook
      • Offline experience
      InfoPath E-Mail Forms E-Mail
    • Application Services Layer Presentation Layer Extensible UI Web-Based Portal Office Clients Business Rules Engine Orchestration Layer Business Process Management Centralized Business Rules Data Services Layer SQL Server 2005 Third-Party External Mortgage Providers Lending Message Bus Application Services Layer Unified Communications and Collaboration Business Intelligence Enterprise Content Management Workflow Search Business Data Catalog Extensible UI Open XML File Formats Website and Security Framework
    • Anatomy of Loan Application Services Operating System Platform Services WSS Core Services MOSS Application Services Database Search Workflow ASP.NET (Web Parts, Personalization, Master Pages, Provider Model for navigation, security, and so on) Collaboration ECM Portal Search BPM BI Project Storage Repository Metadata Versioning Backup Security Rights/Roles Pluggable Auth Per Item Rights Trimming Mgmt Admin UX Delegation Provisioning Monitoring Topology Config Mgmt Farm Services Feature Policy Extranet Site Model Rendering Templates Navigation Visual Blueprint APIs Fields/Forms OM and SOAP Events Deployment
    • Presentation Layer and Application Services
      • Composite Style UI Architecture
      UI Driven by User Context Active Directory SQL Server BDC XML Cache Content Management Services
    • BDC Architecture Overview Web Parts Web Services Metadata Business Data Catalog Ws Proxy ADO.NET Database Lists Search User Profile Custom Apps List Store Search Index Profile Store
    • Business Data Catalog Connects Users to LOB Data
    • Using the BDC for the Loan Pipeline Pipeline Web Part Metadata Metadata Business Data Catalog Ws Proxy ADO.NET Web Services
    • Workflow Map Master Loan Flow (MLF) Activate Loan Active Loan Save Lock Services Underwriting Close InfoPath Flows Registration Pricing Lock Approval Process Integration Services Underwriting Rules Decision Engine Enterprise Loan Orchestrations (ELO) Products and Pricing Flow (PPF) Rate Entry Approval Processes Rates Published Blackout Over
      • WSS hosts the WF runtime engine within its process
      • WSS provides custom implementations of the necessary services
      Workflow Architecture Partner/ISV Applications Office Clients WSS in Browser Windows SharePoint Services Windows Workflow Foundation WF Runtime Engine Workflow Model Scheduler Rules Tracking Base Host Providers Transactions Roles Tracking Messaging Persistence Notifications
    • Presentation Layer—Clients 1 of 2 Lender Worksheet Excel Client Integration Workflow Collections Document Library Farm-Level Workflow Association Table Rate Alerts Persist to Database LOB Integration
    • Presentation Layer—Clients 2 of 2 Underwriter Outlook Integration Loan Origination System WF 3. Loan Approval Form Sent 4. Return Signed with Manual Corrections BizTalk Office SharePoint Server 2007 1. Underwriter Rules Fired 2. MLF Starts UW Workflow Master Loan Flow (MLF) Activate Loan Active Loan Save Lock Services Underwriting Close Underwriter (UW) Embedded InfoPath Form with IRM Protection
    • Human vs. System Workflow
      • Information worker–driven
      • User interface–centric
      • Unstructured data
      • Process controls navigation and UI elements
      • Application–driven or Business Rules–driven
      • Application interface –centric (Services)
      • Structured data
      • Workflow controls application-level and enterprise-level business logic
      Systems Business Users Human Workflow System Orchestration
    • MLF Human Workflow
      • Human workflow controlled by MOSS 2007
      • System workflow controlled by BizTalk 2006
      • Integration orchestration services controlled by BizTalk
      Workflow Separation MOSS BizTalk
    • Document Generation Architecture Business Processes and Applications Application Server Platform XML Policy Creation Loan Origination BizTalk.NET Rules Engine Document Specialist Client User Word Document Viewing, Printing, and Editing InfoPath Data Editing System Of RecordDB Template Forms/Documents Archival .NET Document Generation Service Optional Business Process Orchestration
    • Step 1: Create or Edit the Document Templates <? xml version =&quot;1.0&quot;?> < xs:schema targetNamespace =&quot;urn: Company.Dept.Project &quot; xmlns =&quot;urn: Company.Dept.Project &quot; xmlns:xs =&quot;http://www.w3.org/2001/XMLSchema&quot;> < xs:element name =“ Customer &quot;> < xs:complexType /> </ xs:element > </ xs:schema > Business User uses Word to edit and link Word template with Business schema (business schema previously created by the technical staff) Template Document Store (RDBMS, Content Management Store) Business User Microsoft Word Business User stores template in the template repository
    • Step 2: Optional. Add Business Rules to Word Template Template Document Store (RDBMS, Content Management Store) BRE Rules Composer Business User builds Business Rules and links the rules into the Word template Business User Microsoft Word Business User stores template in the template repository
    • Step 3: Generate Final Documents XML Framework-Provided Document Generation Service. Enterprise reusable Web service . Uses framework-provided integration services to retrieve business data from System-Of-Record Business User uses framework-provided document picker UI to select templates and generate the business documents XML XML BizTalk.NET Rules Engine Document Picker UI Word Templates Business Data And Text Library Final Business Document. Business data merged and embedded rules executed. Document generated. Microsoft Word PDF Document Other Formats Business User .NET Document Generation Service
      • Content Management
        • Store closed loan documents in CM
        • Archive, retrieval
        • Checkout, versioning
      Enterprise Content Management (ECM)
      • Records management
        • Loan document Aging required for compliance
      • Auditing
        • User auditing required across the board
      • Labels and barcodes
        • Barcode generator usually needed
        • Barcode Deal keys
      • IRM protection
        • Digital signatures stored with documents
      ECM: Policy And Compliance
      • Required to solve loan-processing data synchronization issues
        • Validate Deal-keyed data
        • Search for Deals
        • Orchestrate scanning and validation
      ECM: Imaging and Validation
    • Lending Message Bus Presentation Layer Extensible UI Web-Based Portal Office Clients Business Rules Engine Orchestration Layer Business Process Management Centralized Business Rules Data Services Layer SQL Server 2005 Third-Party External Mortgage Providers Lending Message Bus Application Services Layer Unified Communications and Collaboration Business Intelligence Enterprise Content Management Workflow Search Business Data Catalog Extensible UI Open XML File Formats Website and Security Framework
    • Lending Message Bus Architecture File Adapter MISMO XML MISMO XML FannieMae Files Custom XML Orchestration Services Business Rules Engine MISMO Accelerator XML Adapter Files File Landing Zone
      • Benefits
      • Centralized management layer for message communications
      • Internal and external message management
      • Intelligent message routing
      • Unification of multiple lending systems
      • Interoperability between legacy systems
      • Services governance
        • Version control, life cycles, provisioning, and so on
      Lending Message Bus
    • BRE and Orchestrations Presentation Layer Extensible UI Web-Based Portal Office Clients Business Rules Engine Orchestration Layer Business Process Management Centralized Business Rules Data Services Layer SQL Server 2005 Third-Party External Mortgage Providers Lending Message Bus Application Services Layer Unified Communications and Collaboration Business Intelligence Enterprise Content Management Workflow Search Business Data Catalog Extensible UI Open XML File Formats Website and Security Framework
      • Enterprise-wide orchestration layer
      • Breaks down application and LOB silo barriers
      • Three core functions:
        • Loan Decision Engine
        • Integration Services
        • Underwriting Rules
      • Native integration with BRE
      Orchestration Layer Enterprise Loan Orchestrations (ELO) Decision Engine Integration Services Underwriting Rules
    • Orchestration Layer—Orchestration and BRE Integration Policies BizTalk BRE BizTalk Orchestration Workflow BizTalk Orchestration WF Workflow Rules Master Loan Flow Orchestration Web Services Facts True / False Returned Facts
    • Data Services Layer Presentation Layer Extensible UI Web-Based Portal Office Clients Business Rules Engine Orchestration Layer Business Process Management Centralized Business Rules Data Services Layer SQL Server 2005 Third-Party External Mortgage Providers Lending Message Bus Application Services Layer Unified Communications and Collaboration Business Intelligence Enterprise Content Management Workflow Search Business Data Catalog Extensible UI Open XML File Formats Website and Security Framework
      • One platform for all data services
        • Business intelligence though Reporting and Analytical Services
        • Data-oriented integration though SSIS
      • Tight integration with MOSS
        • Report Web Parts
        • Delivery of reports to document libraries
        • Searchable content
      • Office 2007 integration (Excel, Word, Outlook)
      Data Services Layer 1 of 3 Reporting Services SQL Server Development Tools Integration Services Analysis services Management Tools
    • Data Services Layer 2 of 3 Supporting the Business Process Through Federated Data Master Loan Flow (MLF) Activate Loan Active Loan Save Lock Services Underwriting Close Loan Information Store Secondary Systems Servicing Systems Origination Systems Underwriting Systems
    • Data Services Layer 3 of 3 Reporting Services Architecture Browser Office Custom App Builder Security Services (NT, Passport, Custom) Delivery Channels (E-mail, Sharepoint, Custom) Delivery Security Data Processing Rendering Report Processing Report Model Data Sources (SQL, OLE DB, ODBC, and so on) Output Formats (HTML, Excel, TIFF, Custom)
    • Addressing Enterprise Concerns
    • Physical Architecture Enterprise Services Exchange Server Active Directory SQL Server MOSS and IIS Server BizTalk Application Servers
      • Easier to deploy
        • Discrete composite application parts
        • Centralized server-side components
      • Fits into current deployment models
        • Office client COM-based add-ins
        • Click-once Smart Clients
      • Uses existing solutions to reduce the amount of deployment
      • Forms controlled by the server for Online and Offline modes
      Deployment
      • MOSS Data Stores based on SQL Server
      • Workflows can span across physical boundaries
      • MOSS Application Tier and Web Tier can be separated
      • Individual components such as Excel Services can be isolated
      Scalability
      • Orchestrations and the Business Rules Engine can be separated
      • Orchestrations can span physical boundaries
      • Web Services can exist on the same machine or span to a dedicated machine
      • Reporting services provide highly optimized data access
      • Clustering
      • Data can span to many sources
      • Many storage options (with SAN and NAS)
      MOSS and IIS Server BizTalk SQL Server
      • Farm
        • The highest-level scope for a WSS deployment
        • An installation of one of more Web servers and back-end servers
        • Each WSS farm has one and only one configuration database
      • Web application
        • An IIS Web site extended with WSS
        • Entry point capable of hosting tens of thousands of site collections
      • Site collection
        • Unit of scale and ownership containing top-level site
        • Stored in one specific content database
      • Site
        • Many-per-site collection
        • Uses same content DB as parent site
      Scale the Architecture User Requests Content Database 1 Content Database 2 Configuration Database SSP Database Search Database ECS Server (mirrored) ECS Server Search Servers Indexing Servers
      • Fault-tolerant server infrastructure
        • Eliminate single points of failure
      • High performance and scalability
        • Avoid resource bottlenecks
      • Security
        • Reduce downtime due to breaches
      • Backups and disaster recovery
        • Recover from catastrophic failures
      Server High Availability
      • Open standards used throughout the architecture
      • Each layer communicates via XML
      • MISMO XML is used everywhere that is applicable
      • Ensures interoperability between solutions
      • Partner networks interoperate
      Open Standards
    • Interoperability System Inputs Loan Integration Loan Integration Government Bank to Bank Third-Party Services Fax Machine Phone User Input E-Mail BizTalk Message Bus Point Integrations Existing Loan and LOB Systems
      • View business data
      • Binary interaction
      • Web Services
      Bridging Technology Web Services WebDav Services UI Services Business Logic & Workflow Composition Presentation Business Logic & Workflow Composition Business Logic & Workflow Composition Business Logic & Workflow Composition Web Services Adapters BDC DB DB DB DB
    • Connecting MOSS and BizTalk WCF WSS Adapters .NET MOSS Orchestrations BizTalk .NET MOSS Adapter Web Services
    • Extensibility Web Service Proxy Web Services Windows Mobile Smart Client Tablet Application MISMO XML LOB Systems Legacy Systems
      • Many scenarios:
        • Intranet architectures
        • Extranet architectures
        • Internet architectures
      Communications Architecture 1 of 3
    • Communications Architecture 2 of 3 HTTP: 80 SSL: 443 Custom SQL Server File and Print UDP: 137, 138 TCP: 139 SMB: TCP/UDP 445 Encryption Server TCP: 135 Search Indexing TCP: 80 SSL: 443 TCP/SSL: 1433 Custom TCP: 5737 SSL: 56738 Custom Query Server Web Services Forms Server Excel Server Index Server Identity Server
    • Communications Architecture 3 of 3 HTTP SOAP SSL HTTP SOAP SSL HTTP - SOAP CIFS HTTP SOAP SSL TCP/IP SQL Server Third-Party Services File Landing Zone Files BizTalk MISMO Accelerator Orchestration Services MOSS Windows Workflow Foundation
      • Relies on SharePoint for both authentication and authorization
      • Only spreadsheets from trusted locations can be loaded
      • Only data from trusted sources can be loaded
      Security 1 of 3
      • Visible information can be controlled at several levels:
        • Entire spreadsheet
        • For each sheet
        • For each set of named items (named ranges, charts, Pivot Tables, and so on)
      • Code that extends Calculation Services can be controlled by using CAS
      Security 2 of 3
    • Security 3 of 3 Active Directory Brokers Lending Personnel Other Enterprise Identity Providers
      • Managed by AD Groups:
      • Administrator
      • Underwriter
      • Broker
      • Broker Admin
      IWA IWA
      • IRM for InfoPath forms
        • Enabled by end user
        • Enabled by form author
      • Integration with IRM in Outlook
        • InfoPath attachments inherit e-mail protection
      • Integration with IRM in SharePoint
        • WSS is the content owner
        • Client enforces protection applied on downloadv
      Information Rights Management Loan Origination System Office SharePoint Server 2007 WF Underwriter (UW) Embedded InfoPath Form with IRM Protection
      • All development under one IDE (Visual Studio)
      • Unified communications architecture
        • Application and enterprise
      • Single sign-on
      • Composite style architecture
      • Rich workflow capabilities
        • Self-service information worker workflows
      Maintainability
    • Appendix
      • Recommended resources
      • Financial Services Architecture Center http://msdn.microsoft.com/FinSer vAr ch
      • Mike Walker’s Blog http ://blogs.msdn.com/MikeWalker
      • MSDN Solution Architecture Center http://msdn.microsoft.com/architecture
      • Microsoft Patterns & Practices http://msdn.microsoft.com/practices/