All you need to know about banking by IBM

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
1.Industry Framework and Industry Solutions for Banking
•Corebanking Modernisation
•Payments and Securities
•Customer care & Insight
•Integrated Risk
•Financial Markets Framework
1.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
Innovation for a Smarter Planet

Levelofadoption
Representative Industries
Electronics
Chemicals & Petroleum
High-Tech Manufacturing
Automotive
Banking
Healthcare
Government
Financial Markets
Insurance
Media & 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
Frameworks deliver technology in an industry context, aligning IT to business needs

Industry Solutions
Commerce
B2B &
Commerce
Enterprise
Content
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
Interaction
PaymentsTransactionPlatform
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
IBMFoundational
CoreBankingTransformation
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
IntegratedRiskManagement
SOA Banking
Scenarios
Payments&Securities
WTX Industry Packs
EPP Assets
pureXMLTM
Payments Bundles
WebSphere BI for
FN
Corporate Payments
Scenario
Solution Templates
Banking Vocabulary
Design Rules
Banking Message Model
CustomerCare&Insight
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
Refere
nce
Paym
ents
Servic
es
Interfa
ces
Ti
me
r
Se
rvi
ce
s
Stat
e
Eng
ine
Pa
ym
ent
s
Ob
jec
ts
Us
er
Int
erf
ac
e
Flow
Coordi
nator
Development Tools /
Methodology
WebSphere Modeler
with IFW
Rational Software
Architect with IFWWebSphere Banking
Content Pack
IBM Service
Management for IRM

Theme 4: Acquisitions expand business value
Banking Industry Framework – Themes behind V2
IT Systems
and Operations
Merchandising
and Product
Management
Store and
Channels
Theme 2: Shaped by industry software strategies and
capabilities
Theme 1: A more unified framework
Core Banking
Transformation
Customer
Care and
Insight
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
Head of
Retail Banking
Chief Marketing Officer
(CMO)
IndustrySolutionsGroup
Advanced Case Mgmt
Workforce Optimization
Financial Operations
Smarter Commerce
Customer Care & Insight
Smarter Physical Infra
Priority IndustriesPriority Industries
S&D and GBS AlignmentS&D and GBS Alignment
Priority Industries
E&U Retail Health Telco Govt O&G Banking Electr Transport
Advanced Case Mgmt
Smarter Commerce
Priority Industries
Advanced Case Mgmt
Smarter Commerce
Priority Industries
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 Benefits
A Foundation for a Smarter Bank: Actionable Innovation
•Mitigate Risk (De-Risk)
•Accelerate & Expedite a Successful
Implementation using accellerators and
competency centers
•Reduce cost
•Future Proofing
•Backed up by IBM’s long term commitment
to industry standards and R&D

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
Simplification
Componentization
Integration
Optimization
Collaboration
Security
Resiliency
Process Agility
Application
Modernization
Architecture
Transformation
Core Banking
Transformation
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
Architecture
Transformation
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
Application Modernization
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 Growth Efficiency Improvement
Regulations
Workforce
Optimization
Architectural
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 Leverage
Asset Rationalization Shared Services
SOA
Compliance
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 Dev
Business 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 Bank
Financial 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

Customer
Care and
Insight
Core Banking
Transformation
Payments and
Transaction Services
Integrated
Risk Management
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
Integration
Optimization
Analytics
Collaboration
Security
Resiliency

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 projectsCustomer 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
Interactive
Marketing

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 Portal
WebSphere
Application Server
Tablets
Desktop
Browsers
Use one common set
of tools,
techniques,
application
code (models)...
...and generate
applications for
multiple client
devices
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
Financial
Risk
Financial
Crimes
Core Banking
Transformation
Customer
Care and
Insight
Integrated
Risk Management
Integration
Optimization
Analytics
Collaboration
Security
Resiliency

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 channels
2.Conducts cross-LOB analytics
3.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 resources
3.Prioritizes and manages initiatives
4.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 Overview Financial
Crimes
•Sanctions Screening and Transactions Filtering: A regulatory requirement to stop activity in real time financial
transactions (wire activity) or to block opening an account, the sanctions list details the blocked entities and is updated
daily.
•Know Your Customer: A regulatory requirement for better customer identification and knowledge at the account opening
phase. Helps preventing possible threats of AML / Fraud.
•Enhanced Due Diligence for High-Risk Customers: For customers deemed to pose a high-risk, the financial institute
“should consider” obtaining, both at account opening and throughout the relationship.
•Suspicious Behavior Monitoring (AML): A regulatory requirement to detect suspicious AML transaction patterns and
report it to the central bank.
•Case Management: Investigation tools and case management to support multiple levels of review, investigation,
approvals, filing, reporting of above cases.
•FACTA: A US regulatory requirement

Major North American Bank
Financial Services
•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
Challenge
Benefits
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)
Customer
Care and
Insight
Core Banking
Transformation
Integrated
Risk Management
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
Payment
Schemes &Types
Gateway Adapters
Origination Systems
Financial Business
Solutions
InvoicePresentment
OFAC
Anti-MoneyLaundering
ACH:NACHA
Checks
Credit&DebitCards
Contactless
Financial Transaction Manager
Gateway Services
Network Adapters
System Adapters
Financial Transactions Integration
Message
mapping &
Validation
Channel
Management
Monitoring &
Logging
Transaction
Warehouse
Reporting &
Dashboards
Lifecycle
Management
Core Services
Object Model
Interface Data ModelFlow Coordinator
Printing &
Validation
Customer Profile Management, Security, Auditing
State Engine Configuration
E-Commerce
Internal
Banking
Systems
Corporate
Payment
Systems
External
Payment
Networks
Consumer
Channels
NOSTRO
TradeFinance
GlobalDisbursement
TransactionAnalytics
Exception&Investigations
CashManagement
TARGET2
CHIPS
SWIFT
...
MobileSolutions
LiquidityManagement
SEPACreditTransfer
SEPADirectDebit
...
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

How we can help: Sterling Integrator in banking
Content-based
routing
Translation
Mailbox
Bulking / de-bulking
Business rules
processing
Validation
SWIFT
NACHA
Domestic
Standards libraries
Visibility
EBA STEP2
SWIFT
NACHA
Domestic
TARGET2
TSU

Content-based
routing
Translation
Mailbox
Bulking / de-bulking
Business rules
processing
Validation
SWIFT
NACHA
Domestic
Standards libraries
Visibility
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 Platform
Dansk Bank Solution for SWIFT and Peyments Gateway WBI FN DB2, WAS, MQSeries
Websphere Message broker SW Services and PM
Z/OS
DnB NOR Solution for SEPA Credit Transfer and
Corporate B2B Payments
Liquidity Manager
EPP using DB2, WAS, MQSeries
Websphere 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
Websphere Message broker,
SW Services
Intel
VP Solution for Funds and new SWTFT formats
for securities
Websphere Message Broker,
SW Services
Z/OS
Swedbank Solution for Funds and new SWTFT formats
for securities
Websphere Message Broker,
SW Services
UNIX

WebSphere BI for FN – Structure
SWIFTAlliance
Gateway (SAG)
DB2,WebSphereMQ,
WebSphereApplicationServer
WebSphere Message Broker
Message Management
Message Entry and Repair GUI, Printing, Routing, …
Messaging Services
for SWIFTNet
InterAct and FileAct
WebSphere BI for FN V3.1.1
FIN
Financial
Message
Transfer
WebSphere BI for FN - Base
Financial Transaction Manager
Data model, message model, state machine, configuration and administrative interface, …
New

IBM Financial Markets Framework
Buy Side
Sell Side
Financial Risk Management
Back
Office
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
Back
Office
Risk
Back
Office
Risk
Front
Office
Front
Office
* Project includes WebSphere Front Office

Execution Strategy and Order Routing
Gateway
WebSphere MQ Low Latency Messaging
Market Data Distribution
Feed Handlers
Platform
eXtreme Scale
Streams
Analytics
Order Generation
FIX EngineProcessing
Rules
Market Data
Analytics
IDS
Market
Book and Market
History
Reference
data
Routing
Engine
Exchanges, ATS, ECN
Analysis, Pricing and Order Generation
Monitor
Desktop
Data Feeds (NYSE)
Simulated Venue for
Order execution
Gateway
Data Feed (NASDAQ)
Data Feed (IDC)
Market Data Distribution
Front Office v3.0

Low Latency and High Performance Computing
Ultra-low Latency Transport
In-memory Database
Wire speed Transformation
Maximum security
MQ Low Latency
Messaging
WebSphere Front Office
for Financial Markets
DataPower
Appliances
Infosphere Streams
Solid DB
Business Activity Monitoring
Cognos Now!
Stream Processing
Low Latency Market Data
Platform
IBM Offerings for Financial Markets

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.ht
ml?re=spf
•Banking Industry Frameworks:
http://www-935.ibm.com/services/us/gbs/industries/banking/

Henrik Koch IBM Software Group, Nordic
2800 Lyngby
Mobile: + 45 28803658
hkoch@dk.ibm.com

Primary target buyers and usage scenarios for CC&I
Head of Retail Banking
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
DataIntegration&FrameworkTechnologies
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
Suitability
Watch Lists
(Sanctions)
Lifecycle Customer
Scoring
Initial Customer
Scoring
High Risk Monitoring
EDD Processes
Merchant / Device
Identity / Online
Products
(card, deposit,
mortgage, etc)
Internal
Investment
Claims
Application
Device Profiling
Identity Management
Channels
(ATM, POS,
Branch, Online,
Mobile, etc) Federation
Compromise
Surveillance
Authentication
Security Policy
Management
Auto-Disposition
Financial
Crimes

All you need to know about banking by IBM

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