"Banks aren’t known to share data and collaborate with one another. But that is exactly what the Mid-Sized Bank Coalition of America (MBCA) is doing to fight digital financial crime—and protect national security. Using the AWS Cloud, the MBCA developed a shared data analytics utility that processes terabytes of non-competitive customer account, transaction, and government risk data. The intelligence produced from the data helps banks increase the efficiency of their operations, cut labor and operating costs, and reduce false positive volumes. The collective intelligence also allows greater enforcement of Anti-Money Laundering (AML) regulations by helping members detect internal risks—and identify the challenges to detecting these risks in the first place. This session demonstrates how the AWS Cloud supports the MBCA to deliver advanced data analytics, provide consistent operating models across financial institutions, reduce costs, and strengthen national security. Session sponsored by Accenture"

1. © 2017, Amazon Web Services, Inc. or its Affiliates. All rights reserved.
AWS re:INVENT
Building a Banking Utility
L e v e r a g i n g A W S t o F i g h t F i n a n c i a l C r i m e a n d P r o t e c t N a t i o n a l
S e c u r i t y
A c c e n t u r e
N o v e m b e r 2 9 , 2 0 1 7

2. Banking utility platform
Copyright © 2017 Accenture. All rights reserved. 2
Paradigm shift Banking
app
store
Future
innovation
Deploy on
AWS
Adaptive
analytics
Building
the platform

3. Digital paradigm shift for banking
Accenture has developed a cloud-based data analytics utility to help a
consortium of banks build synthetic scale, generate financial
intelligence, and support proactive member collaboration across non-
competitive functions.
The utility untraps data, unlocking new value with operational
efficiencies and reduced year-over-year operating costs by securely
analyzing data and producing intelligence from terabytes of
transactions.
Copyright © 2017 Accenture. All rights reserved. 3
BSA/AML laws are over 40 years old and were implemented in the
absence of modern technology. Although the laws have been slow to
change, the criminal mind has been quick to adapt. Accenture is now
leading the charge to support a much-needed shift in the bank
compliance paradigm.
*
*Bank Secrecy Act / Anti-Money Laundering
Copyright © 2017 Accenture. All rights reserved.

4. Banking app store
Accenture Insights Platform (AIP)
Data mapping and onboarding
App Store
OFAC/sanctions
filtering
OCC/regulatory
support
Dynamic
risk rating
Investigator
toolbox
Intelligent
KYC
Customer
360
Customer Transaction Teller Anti-money laundering Supplier Telemetry Risk ………
Data engineering and platform
Copyright © 2017 Accenture. All rights reserved. 4

5. Why Amazon Web Services (AWS)?
Copyright © 2017 Accenture. All rights reserved. 5
Integration
flexibility across
multiple vendors
Accenture
professionals with
more than...
Secure,
multi-tenant
environment
• 1,400 AWS certifications
• 3,000+ experienced/trained in AWS
technologies
• Pre-built integration tools from past
AWS deployments
• Plug and play with data
management and reporting
tools
• Economical,
high-scale storage choice
• Identity and access
management

6. Platform architecture
Sources
Data Validation Data Dictionary
Data Platform API Framework
Reporting and Analytics “APP” Platform Regulatory
Transactions Accounts Customers Risk AttributesAML Alerts
Data Mapping and Discovery
Masking / Security
Data Dictionary
Security and Exception Handling
Masking / Security
Vendor ToolsData Lake
Data Management Rule/Model
Management
Reporting Views
TM v1.0 Cross Bank APPs
Regulatory
Filing and Feedback
Discovery
Data mapping playbook, UMR, and
automated lineage tools
Standardized data dictionary to support
analytics, APIs, and apps
Enhanced security protocols for ingestion
and continuous management
API framework to vendors including Reg
and FinTechs
Open source models and rules for
participants
Advanced analytics—preconfigured, self-
serve report catalogues for reuse
Regulatory filing—create one solution
applied to all and leverage NLG
Copyright © 2017 Accenture. All rights reserved. 6

7. Identifying suspicious activity; mitigating threats
7Copyright © 2017 Accenture. All rights reserved.
Executive priorities
Costly data strategy
and infrastructure
programs aren’t
delivering the
expected value.
Creating a
holistic view of
the customer
versus simple
account-by-
account view.
Commercially
available
transaction
monitoring
systems can’t
keep up with the
changing industry
dynamics.
Access to industry-
leading stack of
technologies to
reduce the cost of
AML programs.
Combating
escalating
volumes of overall
alerts/false
positives and also
higher risk
accounts.
Aligning with
regulatory
expectations
(FinCEN, OCC),
including new
legislation
(for example, beneficial
ownership rule).
Challenges Solution
Transform raw data into
actionable intelligence
that reduces costs, supports
the end-user law
enforcement community,
and protects national
security.
DATA DATA DATA DATA
 Regulatory expectations for
BSA/AML programs continue to
expand at the same time
transaction volumes are
increasing.
 The penalties for missing
regulatory expectations are
material and their incidence is
increasing.
 Lack of a private-sector
information-sharing platform
leveraging advanced technology
and big data capabilities.
 BSA/AML departments are being
challenged to deliver absolute
cost reductions, not just
efficiency-based unit cost
reductions.
 Explosion of financial crime in
the digital age, including cyber,
cryptocurrency, and terrorism.

8. V1 – AML Analytics Suite
Copyright © 2017 Accenture. All rights reserved. 8
Performance monitoring
Summary of monitoring system
performance, including relevant
ratios for alert, case, and SAR yield
across scenarios.
Model validation
Independent validation in support of
regulatory requirements; model results
compared with the production monitoring
system’s output.
Scenario optimization
Test different scenarios on your transaction data
set to find the right balance to reduce false
positives without losing quality cases and SARs.
Productivity tracking
Monitor your analysts’ closure volume
and throughput to align efforts for
maximum productivity.
Horizontal bank benchmarking
(Future state)
Compare your case and SAR ratios and
trending with peer banks to identify
emerging threats, typologies, and areas
for program improvement.
• Data-driven
insights
• Operational
efficiency
• Cost reduction
• Alert quality
improvement
BSA/AML program support Regulatory accelerator Technology optimization Future capabilities

9. Focus on innovation
Copyright © 2017 Accenture. All rights reserved.
9
Machine
Learning—
Customer
Segmentation,
Early
Warning
Natural
Language
Generation for
Case Management
and SAR
reporting
Interactive AWS
Enabled Bots
Risk Tracing
X-Bank
Networks
Banking
APIs
Banking
Innovation
Forum
Open Source
Inventory
of Analytics
and Models
Natural Language
Processing for
Annual
Refresh
Robotics
on Call
Future-Ready,
Intelligent
Transaction
Monitoring
Federal
Intelligence
Feedback
Mechanism
Customer
360
Copyright © 2017 Accenture. All rights reserved.

10. To learn more, contact:
sabina.munnelly@accenture.com
scott.nathan@accenture.com
Copyright © 2017 Accenture. All rights reserved. 10

11. © 2017, Amazon Web Services, Inc. or its Affiliates. All rights reserved.
Thank you!
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