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- 1. CHANGING THE GAME December 2015 © 2009-2020 The Feld Group Institute Confidential. All rights reserved.
- 2. Economic Downturn THREE STREAMS CROSSED IN 2008 © 2009-2020 The Feld Group Institute Confidential. All rights reserved. 2 Moore’s Law Doubling effect Acceleration of IT Innovation & Adoption
- 3. AND THAT CHANGED EVERYTHING © 2009-2020 The Feld Group Institute Confidential. All rights reserved. *Concept Source: Unboundary, Inc. Empowered Consumer 3
- 4. Empowered Consumer THE FUTURE HAS ARRIVED…… © 2009-2020 The Feld Group Institute Confidential. All rights reserved. *Concept Source: Unboundary, Inc. Change Dynamics “Internet of Things” Internet of Things Economic Downturn Moore’s Law Doubling Effect Acceleration of IT Innovation & Adoption 4 Globalization but it is different and sooner than expected Social Media Revolution
- 5. Customer & Supply Centric Ban THE POWER HAS SHIFTED DRAMATICALLY © 2009-2020 The Feld Group Institute Confidential. All rights reserved. 5
- 6. Empowered Consumer Customer & Supply Centric Target Integration Bus Capital Markets DataData DataData DataData Derivatives Securities Lending Prime Brokerage Corp Lending Fixed Income Equity DataData Commodities Trade Portal FidessaLoanIQ GlobalOne PBHEagle / Summit DSTS Canada Credit Cards DataDataData Data Comm. Lending Retail LendingDeposit P&C MECH NCCS/ TSYS MECH/ NCCS/ Mort. MECH/ NCCS/ Mort. OpenLink Endur GlobalOne Data Data WealthInsurance PCG Capsil/ Ingenium RIS/ IPS/ RPM Data Data Rwealth CFM IPS Fin, Plan & Retire Asset Mgmt NaviPlan BankingAnyChannel, AnyWhere, AnyTime Customer Financial Advisor business rules Digital Personal Banker Inform ation Dom ainsV e rs i o n 1 .4 P u b li s h e d o n A u g 3 , 2 0 1 1 BMO Info rm ation Reference Model Pro du ct Produ c t Fa milies Chan g e S erv ices Prod uct Access Se rvices F in anci al E ngi nee rin g S e rvi ces Trad in g S erv ices De posit S ervi ces Tran sfer S ervi ces In su ran ce Services Cu s to di al Service s In vestm en t P ro d uct In form ation Servi ce F inanc e S ervi ce F in anc i al Mar ket In strum ent S up p ort Servi ces Produ ct R elationships Pr o d uct Bu nd le s Pro d uct Co mpat ib il ity P rod u ct Hi erarch i es P roduct Term s and Cond itions Rates L im i ts M at uri ty In struct io ns Availab i li ty E xchan g e Rate Elig ibil ity Paym ent P ri cin g F ees T ax P roduct M ark et ing Spe cification s Prod uct O pera ti ons Pro du ct Ser vices Level s Ar ran ge ment Resour ce A r rangem e nts Leasin g A rran g ements Mechani se/S ales A rran g ements Pro p erty S ettl em ents A rran gem ents Col lateral A rran gem ents Li censi ng A rran gem en ts Lendi ng A rran gem en ts Produ ct A rrangem ents P rod u ct Arrang emen t Ty pe Accoun t Arran g ement s No n -Accou nt Services A cco unt F acility A rran gemen ts In su ran ce A rrang em ents Assu rance A rrang em ents Party Arrangements O rg ani zation Arran gemen ts Em pl oym ent Arran gemen ts Auth ority Arrangem ents Sett le ment A rrang e ment s G u arantee Arrangemen ts Asset Secu riti zati o n R esou rc e C ha tte ls V ehi cles E qu ipmen t P hys ical Commo di ti es Furnitu re an d F ittin g s Val uab le O bj ects D ocu mentation Co nt ract s C o rresp on den ce O wnership Docu m en ts S ig n atur e Cards S oft ware Stat utory D eclara ti ons I nsu rance Po li cy R eal E state Bui ld in g s L and Finan cia l Res our ce I te ms Ho ld i ng s Pu r chased Assets B usiness Di rec tio n Plan Camp aign Pl an M arketin g Pl an Sal es Pl an F in ancia l Pl an Busine ss M odels V alue at Risk P olicies a nd P ro cedur es Cred it R isk App roach Market R isk A ppro ach O p eratio n al Risk Ap pr o ach Regu latory and C ompliance BA SEL S O X O SF I FE D Secu ri ti es an d E xchan g e Com mi ssio n Event Suspici ous Eve nt Ty pes C red it C ard F raud D ebi t C ard Fra ud C ounterfei tin g Ev ent Relatio nship s Event to Even t R elati on sh ip s Even t to L ocati o n R elati on sh ip s E vent to P rod u ct R el ati ons hip s E vent to Arrangem en t Relati o ns hip s Even t to Cl assi fi catio n Rel atio n shi ps E ven t Typ e Transacti ons Co mmu nicati on s I nsu ranc e Clai m s C lassif icatio n Acc ounting U n it M anag emen t Ac co unt Cu stom er Acco unt Exch ang e S ettlem ent Acco un t Led ger Curr ency C hann el Self -Serve Ch annel s F ul l-S erve Ch annel s Busi ness-t o- B usin ess Ch an nel Ra tin g Risk Prof itab il it y R ating Perform ance Rat in g S atisf actio n Ratin g Reten tio n R at in g Industry C lassifica tion SIC C ode I SCGro up A naly tics Ana lytics Cred it & Cou n ter Party Risk Debt Re stru ctu ri n g Ri sk I nt ere st Rate Risk I nvo lved Party Exp osu re Ri sk L iq ui di ty and F un din g Ri sk Market Risk Op erati on al Risk I nsurance Ris k R egulato ry and Com plia nce SOX Repo r tin g F in an cial Capit al A dequacy An ti-M oney Lau n deri ng Rela tion ship M ark eting C ampai g n Anal ysis Cross- Sell An al ysis Loyal ty An alysi s Wa llet Sh are M arket An alysi s Cust om er E xperi ence Custo mer In teraction s Cu sto mer Beh aviour Cu sto m er Att ri ti on Investment Mana ge ment Co rpo rate Acti o ns F in anci al Market Lo t Anal ysis Fi nan cia l E xchan g e An alysi s H ol di n g Mo vem ents An alysi s In vestmen t F u nds A nal ysis Sett lemen ts A nal ysis A sset and Li ability M anag emen t Prof itability P rod u ct Prof itab il it y Cust omer Prof itab il it y O r ganiz ation Pr o fit abi li ty Party P ar ty Typ e Ind ivi du al Orga n iz atio n O rgan izat io n Un it E mplo yee Pos it io n P arty Role Retail Cu stome r Corp o rat e Cu sto mer Emp lo yee Ben ef ici ary Bo rr ow er L end er G u ar anto r V end or C o un ter-P art y Broker Pa rty R elationsh ips Party to Party R el atio n shi ps Party to Pro du ct R el atio n shi ps Party to Arr angem en t R el atio n shi ps Party to R eso urce R el atio n shi ps Party to E vent R el atio nsh i ps Par ty to B usin ess Directi o n Relati onsh ip s P arty to Locati on R elati on sh ip s Lo cat ion Loc atio n Type Ad dr ess G eo grap hi c Location Re lation ships L o catio n to L ocatio n R elat io nshi ps Adaptors) Data)and)Events) Integration Bus Capital Markets DataData DataData DataData Derivatives Securities Lending Prime Brokerage Corp Lending Fixed Income Equity DataData Commodities Trade Portal FidessaLoanIQ GlobalOne PBHEagle / Summit DSTS Canada Credit Cards DataDataData Data Comm. Lending Retail LendingDeposit P&C MECH NCCS/ TSYS MECH/ NCCS/ Mort. MECH/ NCCS/ Mort. OpenLink Endur GlobalOne Data Data WealthInsurance PCG Capsil/ Ingenium RIS/ IPS/ RPM Data Data Rwealth CFM IPS Fin, Plan & Retire Asset Mgmt NaviPlan BankingAnyChannel, AnyWhere, AnyTime Customer Financial Advisor business rules Digital Personal Banker Inform ation Dom ainsV e r s i o n 1 .4 P u b li s h e d o n A u g 3 , 2 0 1 1 BMO Inform ation Reference Model Pro du ct Produ c t Fa milies Chang e S erv ices Prod uct Acc ess Se rvices Fin anci al E ng i nee rin g S ervi ces Trad in g S erv ices De posit S ervi ces Tra n sfer S ervi ces In su rance Services Cu sto di al Service s In vestm ent P ro duct In fo rm atio n Service Finan c e S erv ice F in anc ial Mar ket In strum ent S up port Services Produ ct R elationships Pr od uct Bu nd le s Prod uct Co mpat ib il ity P rod uct Hi erarch i es P roduct Term s and Cond itions Rates Limi ts M at uri ty Instruct ions Availab ili ty E xc han g e Rate Eli gib il ity Paym ent P ri cing F ees Ta x P roduct M ark et ing Spe cification s P rod uct O pera ti ons Produ ct Ser vices Level s Ar range ment Resour ce A r rangem e nts L easing A rran g ements Mech ani se/S ale s A rran g ements Pro p erty S ettl em ents A rran ge m ents Col lateral A rran ge m ents Li cens i ng A rran gem ents Len di ng A rran gem ents Produ ct A rrangem ents P rod u ct Arrang emen t Ty pe Acc o unt Arrang ement s Non -Accoun t Services A ccou nt F acili ty Arran gemen ts In surance A rrangem en ts Assurance A rrangem en ts P arty Arrangements O rgani zation Arran gemen ts Em ploym ent Arran gemen ts Auth ority Arrange m ents Sett le ment A rrang ement s G uara ntee Arrange men ts Ass et Secu riti zati o n R es ou rc e C ha tte ls V ehicles E qu ipmen t P hysi cal Co mmo di ties Fu rni tu re and F ittin g s Val uab le O bj ects D ocu mentation Cont ract s C orresp on denc e O wne rsh ip Docu men ts S ig n ature Cards S oft ware Stat uto ry D eclarati on s I nsu rance Po li cy R eal E state Bui ld ing s Land Finan cia l Res our ce I te ms Ho ld i ng s Pu r chased Assets B usine ss Direc tio n Plan Camp aign Pl an M arketin g Pl an Sal es Pl an F in ancial Pl an Busine ss M odels V alue at Risk Policies a nd P ro cedur es Cred it Risk App ro ach Ma rket Risk A p pro ach O p eratio nal Risk Ap pr oach Regu latory and C ompliance BA SEL S OX O SF I FE D Sec uri ti es and E xchan g e Co mmi ssio n Ev ent Suspici ous Eve nt Ty pes Cred it C ard Fraud Debi t C ard Fra ud Co unterfei ting Ev ent Relatio nship s Event to Even t R elati on ships Ev ent to L ocati o n R elati on ships E vent to P rodu ct R el ati on sh ip s E vent to Arran gem ent Re lati onsh ip s Event to Cl assi fi catio n Rela tio nshi ps E ven t Typ e T ransacti ons Co mmun icati ons Insu ranc e Clai ms Clas sifica tio n Acc ounting U n it M ana g emen t Ac cou nt Cu stom er Acco unt Exch ang e S ettlem ent A cco un t Ledger Curr ency C hann el Self -Serve Ch ann el s F ul l-S erve Ch ann el s Busi ness-t o- B usin ess Chan nel Ra tin g Risk Prof itab il it y R ating Perform ance Rat in g S atisf actio n Ratin g Reten tio n Rat ing Industry C lassifica tion SIC Co de I SCGro up A na ly tics Ana lytics Cred it & Cou n ter Party Risk Debt Re structu ri n g R i sk I nt erest Rate Risk I nvo l ved Party Exp osu re Ri sk L iqui di ty and F un ding Risk Market Risk Op erati on al Risk I nsu rance Ris k R egulato ry and Com plia nce SOX Repor tin g Finan cial Ca pit al Ad equacy An ti-M on ey Laun deri ng Rela tion ship M ark eting C ampai g n Anal ysis Cross- Sell Ana l ysis Loya l ty An alysi s Wal let Sh are M a rket An alysi s Cust omer E xperi ence Cu sto mer Interacti on s Cu sto mer Beh av iour Cu sto mer Att ri ti on Investment Mana ge ment Co rpo rate Acti o ns F in anci al Market Lo t Anal ysis Fi nancial E xchan g e An alysi s H ol di ng Mo vements An alysi s In ves tment F u nd s A nal ysis Sett lemen ts A nal ysis A sset and Li ability M anag emen t P rof itability P rod u ct Prof itab il it y Cust omer Prof itab il it y Or gan iz atio n Pr o fit abi li ty Pa rty Par ty Typ e I nd ivi dua l O rga niz atio n O rg an izat io n Un it E mpl o yee Pos it ion P arty Role R etail C usto mer Corp o rat e Customer Emp loyee Ben ef iciary Bo rr ower Lend er G uaranto r V end or Co unte r-P art y Broker Pa rty R elationsh ips Party to Party Relation shi p s Pa rty to Produc t Relation shi p s Party to Arrangem en t Relation shi ps Pa rty to R eso urc e Relation shi p s Party to E ven t Rel atio nshi ps Party to Bu sin es s Directi o n Relation sh ips P a rty to Lo cati on R elati on sh ip s Lo cation Loc atio n Type Ad dr ess Geo gra p hic Location Re lation ships L ocatio n to L ocatio n Relat io nshi ps Adaptors) Data)and)Events) Integration Bus Capital Markets DataData DataData DataData Derivatives Securities Lending Prime Brokerage Corp Lending Fixed Income Equity DataData Commodities Trade Portal FidessaLoanIQ GlobalOne PBHEagle / Summit DSTS Canada Credit Cards DataDataData Data Comm. Lending Retail LendingDeposit P&C MECH NCCS/ TSYS MECH/ NCCS/ Mort. MECH/ NCCS/ Mort. OpenLink Endur GlobalOne Data Data WealthInsurance PCG Capsil/ Ingenium RIS/ IPS/ RPM Data Data Rwealth CFM IPS Fin, Plan & Retire Asset Mgmt NaviPlan BankingAnyChannel, AnyWhere, AnyTime Customer Financial Advisor business rules Digital Personal Banker Inform ation Dom ainsV e r s i o n 1 .4 P u b li s h e d o n A u g 3 , 2 0 1 1 BMO Inform ation Reference Model Product Produ c t Fa milies Chan g e S erv i ces Pro duct Access Services F inanci al E ngi nee ring S e rvices Trad in g S erv i ces De po sit S ervi ces Tran sfer S ervi ces In su ran ce Services Cus todi al Service s In vestmen t P ro duct In fo rm a tion Servi ce F in anc e S erv i ce Financ i al Market Instrum ent S up port Se rvi ces Produ ct R elationships Pr o duct Bund le s Prod uct Co mpat ib ility P rod uct Hi erarch i es P roduct Term s and Cond itions Ra tes L imi ts M at uri ty Instruct ions Availab i li ty E xchang e Rate Eli gibility Paym ent P ricing Fe es Ta x Product M ark et ing Spe cification s Prod uct O pera ti ons Pro du ct Ser vices Levels Ar range me nt Resour ce A r rangem e nts L ea sin g A rran g ements Mech ani se/S ales A rran g ements Pro p erty S ettl em ents A rrange m ents Co l lateral A rrange m ents Li censi ng Arrangem en ts L endi ng Arrangem en ts Produ ct A rrangem ents P rod u ct Arrang emen t T yp e Acco un t Arran g ement s No n-Ac coun t Services A cco unt Facili ty A rran ge ments In su ran ce Arrang emen ts Assu rance Arrang emen ts Party Arrangements O rg ani zati on Arran gements Em pl oym ent Arran gements Au th ori ty Arrangem ents Sett le men t A rrang e ment s G uarantee Arrang emen ts Asset Securitizatio n R es ou rc e C ha tte ls V ehi cles E qu i pmen t P hys i cal Commo di ti es Furnitu re an d F i ttin gs Va luable O bjects D ocu mentation Co nt ract s C orresp on den ce O wnership Docu men ts S ign atur e Cards S oft ware Stat utory D eclara ti on s I nsu rance Po li cy R eal Estate Bui ld ing s L and Finan cia l Res our ce I te ms Holdi ngs Pur chased Assets B usi ne ss Di rec tion P lan Camp aig n Pl an M arketing Plan Sal es Pl an F in an cia l Pl an Busine ss M odels V alu e at Risk Policies a nd Pro cedur es Cred it R isk Appro ach Market R isk Ap pro ac h O peratio nal Ris k Appr o ach Regu latory and C ompliance BA SEL S O X O SFI FE D Sec u ri ti es an d E xchan g e Co mmi ssio n Ev ent Suspic i ous Eve nt Ty pes Credit C ard F ra ud D ebi t C ard Frau d Co un terfei tin g Ev ent Relatio nship s Even t to Even t R elati on sh ip s Ev en t to L ocati o n R elati on sh ip s E ve nt to P rod uct R elati on sh ip s E vent to Arra ngem en t Re lati o nsh ip s Even t to Cl assi fi catio n Rel ation shi ps Even t Typ e Transacti ons Co mmu nicati on s I nsu ranc e Clai m s Clas sificatio n Acc ounting U n it M anag emen t Ac co unt Cu sto mer Acco u nt Exchang e S ettlem ent Accoun t Led ger Curr ency C hann el Self -Serve Ch a nnel s Ful l-S erve Ch a nnel s Busi ness-t o- Bu sin es s Ch an nel Ra tin g Risk Prof itabil it y R atin g Perfo rm ance Rat in g S atisf ac tion Ratin g Re ten tio n Rat in g Industry C lassifica tion SIC C ode I SCGro up A na ly tics Ana lytics Credit & Cou n ter Par ty Risk Debt Re stru ctu ri n g Ri sk I nt ere st Rate Risk Invo lved Party Exp osure Ri sk L iq ui dity and F un d ing Ri sk Market Risk Operati onal Ris k I nsurance Risk R egulato ry and Com plia nce SO X Repor tin g F inan cial Ca p it al Ad eq uac y Anti-M oney Lau n deri ng Rela tion ship M ark eting Campai g n Anal ysis C ross- Sell An al ysis Lo yal ty An a lysi s Wa l let Sh are M arket An alysis Cust om er E xperi ence Cu sto mer In teracti on s Cu stomer Beh av io ur Cu stom er Att ri ti on Investment Mana ge ment Co rp orate Acti o ns F in anci al Market Lot Anal ysis Fi nancial E xchang e An alysi s Hol di n g Mo vem ents An alysi s Inves tment F und s Analysis Sett lemen ts Analysis A sset and Li ability M anag emen t Prof itability P rodu ct Prof itab il it y Cust omer Prof itab il it y O rganiz ation Pro fit abili ty Pa rty P ar ty Typ e I nd ivi du al Organ iz atio n O rgan izat io n Un it E mpl oyee Po sit io n Party Role Retail Cu stome r Corp orat e Cu sto mer Emp lo yee Benef ici ary Borr ow er L ender Gu ar antor V endor Co un te r-P art y Broker Pa rty R elationsh ips Party to Party R el ation shi ps Party to Pro duc t R el ation shi ps Party to Arr angemen t R el ation shi ps Pa rty to Reso urc e R el ation shi ps Party to E vent R elationsh ips Par ty to Bu sines s Directio n Re lati onsh ips P arty to Lo cati on R elati on sh ip s Locat ion Loc atio n Type Addr ess G eograp hi c Location Re lation ships Lo cation to L ocatio n Relat ionsh ips Adaptors) Data)and)Events) © 2009-2020 The Feld Group Institute Confidential. All rights reserved. 6 THE POWER HAS SHIFTED DRAMATICALLY
- 7. Customer & Supply Centric Macy’s BankingAnyChannel, AnyWhere, AnyTime BankingAnyChannel, AnyWhere, AnyTime BankingAnyChannel, AnyWhere, AnyTime Customer & Supply Centric Zappos.com BankingAnyChannel, AnyWhere, AnyTime Customer Financial Advisor business rules Digital Personal Banker Inform ation Dom ainsV e rs i o n 1 .4 P u b li s h e d o n A u g 3 , 2 0 1 1 BMO Inform ation Reference Model Product Produ c t Fa milies Chan g e S erv ices Prod uct Access Se rvices F in ancial E nginee rin g S e rvices Trad in g S erv ices De posit S ervices Tran sfer S ervices In su ran ce Services Cu s to dial Service s In vestment P ro duct In form ation Service Finance S ervice Financial Market Instrum ent S up port Services Produ ct R elationships Product Bundles Prod uct Co mpat ib ility P roduct Hi erarch ies P roduct Term s and Cond itions Rates Limits M at urity Instruct ions Availability E xchange Rate Eligibility Paym ent P ricing Fees Tax Product M ark eting Spe cification s Prod uct O pera ti ons Produ ct Services Levels Ar range ment Resour ce A r rangem e nts Leasing A rrang ements Mechani se/S ales A rrang ements Prop erty S ettlem ents Arrangem ents Collateral Arrangem ents Licensing Arrangem ents Lendi ng Arrangements Produ ct A rrangem ents P rod uct Arrang ement Type Account Arrang ement s Non-Account Services Account Facility Arrangements Insurance Arrangements Assurance Arrangements Party Arrangements O rg anization Arran gemen ts Em ploym ent Arran gemen ts Auth ority Arrangem ents Sett le ment A rrang e ment s Guarantee Arrangements Asset Securitization R esou rce C ha tte ls V ehicles E qu ipmen t P hys ical Commo dities Furnitu re an d F ittin g s Valuable O bjects D ocu mentation Cont ract s Corresp ondence Ownership Documents S ignature Cards S oft ware Stat utory Declarations Insu rance Policy R eal Estate Build ings Land Finan cia l Res our ce I te ms Holdi ngs Purchased Assets B usiness Direc tion Plan Camp aign Plan M arketin g Plan Sales Plan F in ancia l Plan Busine ss Models V alue at Risk Policies a nd Pro cedur es Credit Risk Approach Market Risk Approach O peratio nal Risk Approach Regu latory and C ompliance BA SEL S OX O SFI FE D Securities and E xchang e Commissio n Event Suspici ous Eve nt Ty pes Credit Card Fraud Debit Card Fraud Counterfeiting Ev ent Relatio nship s Event to Event R elation ships Event to L ocatio n R elation ships E vent to P roduct R elationships E vent to Arrangem ent Relationships Event to Classi fication Relationships E ven t Typ e Transactions Co mmu nication s Insu ranc e Claims Classificatio n Acc ounting U n it M anag emen t Ac co unt Cu stom er Acco unt Exch ang e S ettlem ent Acco un t Led ger Curr ency C hann el Self -Serve Channels Full-S erve Channels Business-t o- Business Chan nel Ra tin g Risk Prof itabilit y Rating Perform ance Rat in g S atisf action Ratin g Retention Rat ing Industry C lassifica tion SIC Code ISCGro up A naly tics Ana lytics Cred it & Cou n ter Party Risk Debt Re stru ctu rin g Risk Int ere st Rate Risk Invo lved Party Exp osu re Risk L iquidity and F unding Risk Market Risk Operational Risk Insurance Risk R egulato ry and Com plia nce SOX Reporting Finan cial Capit al Adequacy Anti-M oney Laun dering Rela tion ship M ark eting C ampaig n Anal ysis Cross- Sell An alysis Loyalty An alysis Wa llet Sh are M arket An alysis Cust omer E xperience Customer Interactions Cu stomer Behaviour Customer Att rition Investment Mana ge ment Co rporate Actio ns Fin ancial Market Lot Anal ysis Financial E xchange An alysis Holding Movements An alysis Investment F unds Analysis Sett lemen ts Analysis A sset and Li ability M anag emen t Profitability P roduct Prof itabilit y Cust omer Prof itabilit y Organiz ation Profit ability Party P ar ty Typ e Ind ividu al Orga n iz atio n O rgan izat io n Un it E mplo yee Pos it io n Party Role Retail Cu stomer Corp o rat e Cu sto mer Emp lo yee Ben ef iciary Borrower Lender Guarantor V endor Counter-P art y Broker Pa rty R elationsh ips Party to Party Relation ships Party to Product Relation ships Party to Arrangement Relation ships Party to Resource Relation ships Party to E vent Relationships Party to Business Direction Relationsh ips P arty to Location Relation ships Location Loc atio n Type Address Geographic Location Re lation ships Location to Location Relat ionships Adaptors) Data)and)Events) Integration Bus BankingAnyChannel, AnyWhere, AnyTime Customer Financial Advisor business rules Digital Personal Banker Inform ation Dom ainsV e rs i o n 1 .4 P u b li s h e d o n A u g 3 , 2 0 1 1 BMO Inform ation Reference Model Pro du ct Produ c t Fa milies Chang e S erv ices Prod uct Acc ess Se rvices Fin ancial E ng inee rin g S ervices Trad in g S erv ices De posit S ervices Tra n sfer S ervices In su rance Services Cu sto dial Service s In vestm ent P ro duct In fo rm atio n Service Finan c e S erv ice F in anc ial Mar ket In strum ent S up port Services Produ ct R elationships Pr od uct Bu nd le s Prod uct Co mpat ib ility P rod uct Hi erarch ies P roduct Term s and Cond itions Rates Limits M at urity Instruct ions Availab ility E xc han g e Rate Eligib ility Paym ent P ricing F ees Ta x P roduct M ark et ing Spe cification s P rod uct O pera ti ons Produ ct Ser vices Levels Ar range ment Resour ce A r rangem e nts L easing A rran g ements Mech ani se/S ale s A rran g ements Pro p erty S ettlem ents A rran ge m ents Collateral A rran ge m ents Licens ing A rran gem ents Len di ng A rran gem ents Produ ct A rrangem ents P rod u ct Arrang emen t Ty pe Acc o unt Arrang ement s Non -Accoun t Services A ccou nt F acility Arran gemen ts In surance A rrangem en ts Assurance A rrangem en ts P arty Arrangements O rganization Arran gemen ts Em ploym ent Arran gemen ts Auth ority Arrange m ents Sett le ment A rrang ement s G uara ntee Arrange men ts Ass et Secu ritizatio n R esou rce C ha tte ls V ehicles E qu ipmen t P hysical Co mmo dities Fu rnitu re and F ittin g s Valuab le O bjects D ocu mentation Cont ract s C orresp on denc e O wne rsh ip Docu men ts S ig n ature Cards S oft ware Stat uto ry D eclaration s Insu rance Po licy R eal E state Build ing s Land Finan cia l Res our ce I te ms Ho ld i ng s Pu r chased Assets B usiness Direc tio n Plan Camp aign Plan M arketin g Plan Sales Plan F in ancial Plan Busine ss Models V alue at Risk Policies a nd P ro cedur es Cred it Risk App ro ach Ma rket Risk A p pro ach O p eratio nal Risk Ap pr oach Regu latory and C ompliance BA SEL S OX O SF I FE D Sec urities and E xchan g e Co mmissio n Event Suspici ous Eve nt Ty pes Cred it C ard Fraud Debit C ard Fra ud Co unterfeiting Ev ent Relatio nship s Event to Even t R elation ships Ev ent to L ocatio n R elation ships E vent to P rodu ct R elation sh ip s E vent to Arran gem ent Re lationsh ip s Event to Classi ficatio n Rela tio nships E ven t Typ e T ransactions Co mmun ications Insu ranc e Claims Classificatio n Acc ounting U n it M ana g emen t Ac cou nt Cu stom er Acco unt Exch ang e S ettlem ent A cco un t Ledger Curr ency C hann el Self -Serve Ch ann els F ull-S erve Ch ann els Business-t o- B usin ess Chan nel Ra tin g Risk Prof itab ilit y R ating Perform ance Rat in g S atisf actio n Ratin g Reten tio n Rat ing Industry C lassifica tion SIC Co de ISCGro up A naly tics Ana lytics Cred it & Cou n ter Party Risk Debt Re structu rin g R isk Int erest Rate Risk Invo lved Party Exp osu re Risk L iquidity and F un ding Risk Market Risk Op eration al Risk Insu rance Ris k R egulato ry and Com plia nce SOX Repor tin g Finan cial Ca pit al Ad equacy An ti-M on ey Laun dering Rela tion ship M ark eting C ampaig n Anal ysis Cross- Sell Ana lysis Loya lty An alysis Wallet Sh are M a rket An alysis Cust omer E xperience Cu sto mer Interaction s Cu sto mer Beh av iour Cu sto mer Att rition Investment Mana ge ment Co rpo rate Actio ns F in ancial Market Lo t Anal ysis Financial E xchan g e An alysis H olding Mo vements An alysis In ves tment F u nd s A nalysis Sett lemen ts A nalysis A sset and Li ability M anag emen t P rof itability P rod u ct Prof itab ilit y Cust omer Prof itab ilit y Or gan iz atio n Pr o fit ability Party Par ty Typ e Ind ividua l O rga niz atio n O rg an izat io n Un it E mplo yee Pos it ion P arty Role R etail C usto mer Corp o rat e Customer Emp loyee Ben ef iciary Bo rr ower Lend er G uaranto r V end or Co unte r-P art y Broker Pa rty R elationsh ips Party to Party Relation ship s Pa rty to Produc t Relation ship s Party to Arrangem en t Relation ships Pa rty to R eso urc e Relation ship s Party to E ven t Relatio nships Party to Bu sin es s Directio n Relation sh ips P a rty to Lo cation R elation sh ip s Lo cation Loc atio n Type Ad dr ess Geo gra p hic Location Re lation ships L ocatio n to L ocatio n Relat io nships Adaptors) Data)and)Events) BankingAnyChannel, AnyWhe Customer business rules Digital Personal Banker Inform ation Dom ainsV e rs i o n 1 .4 P u b li s h e d o n A u g 3 , 2 0 1 1 BMO Inform ation Reference Model Product Produ c t Fa milies Chan g e S erv ices Pro duct Access Services F inancial E nginee ring S e rvices Trad in g S erv ices De po sit S ervices Tran sfer S ervices In su ran ce Services Cus todial Service s In vestmen t P ro duct In fo rm a tion Service F in anc e S erv ice Financ ial Market Instrum ent S up port Se rvices Produ ct R elationships Pro duct Bund le s Prod uct Co mpat ib ility P rod uct Hi erarch ies P roduct Term s and Cond itions Ra tes L imits M at urity Instruct ions Availab ility E xchang e Rate Eligibility Paym ent P ricing Fe es Ta x Product M ark et ing Spe cification s Prod uct O pera ti ons Pro du ct Services Levels Ar range ment Resour ce A r rangem e nts L ea sin g A rran g ements Mech ani se/S ales A rran g ements Pro p erty S ettlem ents A rrange m ents Co llateral A rrange m ents Licensing Arrangem en ts L endi ng Arrangem en ts Produ ct A rrangem ents P rod u ct Arrang emen t T yp e Acco un t Arran g ement s No n-Ac coun t Services A cco unt Facility A rran ge ments In su ran ce Arrang emen ts Assu rance Arrang emen ts Party Arrangements O rg anization Arran gements Em ploym ent Arran gements Au th ority Arrangem ents Sett le men t A rrang e ment s G uarantee Arrang emen ts Asset Securitizatio n R esou rce C ha tte ls V ehicles E qu ipmen t P hys ical Commo dities Furnitu re an d F ittin gs Va luable O bjects D ocu mentation Co nt ract s C orresp on den ce O wnership Docu men ts S ign ature Cards S oft ware Stat utory D eclara tion s Insu rance Po licy R eal Estate Build ing s L and Finan cia l Res our ce I te ms Holdi ngs Purchased Assets B usiness Direc tion P lan Camp aig n Plan M arketing Plan Sales Plan F in an cia l Plan Busine ss Models V alu e at Risk Policies a nd Pro cedur es Cred it R isk Appro ach Market R isk Ap pro ac h O peratio nal Ris k Appro ach Regu latory and C ompliance BA SEL S O X O SFI FE D Sec u rities an d E xchan g e Co mmissio n Event Suspici ous Eve nt Ty pes Credit C ard F ra ud D ebit C ard Frau d Co un terfeitin g Ev ent Relatio nship s Even t to Even t R elation sh ip s Ev en t to L ocatio n R elation sh ip s E ve nt to P rod uct R elation sh ip s E vent to Arra ngem en t Re latio nsh ip s Even t to Classi ficatio n Relation ships Even t Typ e Transactions Co mmu nication s Insu ranc e Claim s Classificatio n Acc ounting U n it M anag emen t Ac co unt Cu sto mer Acco u nt Exchang e S ettlem ent Accoun t Led ger Curr ency C hann el Self -Serve Ch a nnels Full-S erve Ch a nnels Business-t o- Bu sin es s Ch an nel Ra tin g Risk Prof itabilit y R atin g Perfo rm ance Rat in g S atisf ac tion Ratin g Re ten tio n Rat in g Industry C lassifica tion SIC C ode ISCGro up A naly tics Ana lytics Credit & Cou n ter Party Risk Debt Re stru ctu rin g Risk Int ere st Rate Risk Invo lved Party Exp osure Risk L iq uidity and F un d ing Risk Market Risk Operational Ris k Insurance Risk R egulato ry and Com plia nce SO X Reportin g F inan cial Ca p it al Ad eq uac y Anti-M oney Lau n dering Rela tion ship M ark eting Campaig n Anal ysis C ross- Sell An alysis Lo yalty An a lysis Wa llet Sh are M arket An alysis Cust om er E xperience Cu sto mer In teraction s Cu stomer Beh av io ur Cu stom er Att rition Investment Mana ge ment Co rp orate Actio ns F in ancial Market Lot Anal ysis Financial E xchang e An alysis Holdin g Mo vem ents An alysis Inves tment F und s Analysis Sett lemen ts Analysis A sset and Li ability M anag emen t Prof itability P rodu ct Prof itab ilit y Cust omer Prof itab ilit y O rganiz ation Pro fit ability Party P ar ty Typ e Ind ividu al Organ iz atio n O rgan izat io n Un it E mployee Po sit io n Party Role Retail Cu stome r Corp orat e Cu sto mer Emp lo yee Benef iciary Borrow er L ender Gu arantor V endor Co un te r-P art y Broker Pa rty R elationsh ips Party to Party R elation ships Party to Pro duc t R elation ships Party to Arrangemen t R elation ships Pa rty to Reso urc e R elation ships Party to E vent R elationsh ips Party to Bu sines s Directio n Re lationsh ips P arty to Lo cation R elation sh ip s Locat ion Loc atio n Type Address G eograp hic Location Re lation ships Lo cation to L ocatio n Relat ionsh ips Adaptors) Data)and)Events) Customer & Supply Centric Best Buy Integration Bus Capital Markets DataData DataData DataData Derivatives Securities Lending Prime Brokerage Corp Lending Fixed Income Equity DataData Commodities Trade Portal FidessaLoanIQ GlobalOne PBHEagle / Summit DSTS Canada Credit Cards DataDataData Data Comm. Lending Retail LendingDeposit P&C MECH NCCS/ TSYS MECH/ NCCS/ Mort. MECH/ NCCS/ Mort. OpenLink Endur GlobalOne Data Data WealthInsurance PCG Capsil/ Ingenium RIS/ IPS/ RPM Data Data Rwealth CFM IPS Fin, Plan & Retire Asset Mgmt NaviPlan BankingAnyChannel, AnyWhere, AnyTime Customer Financial Advisor business rules Digital Personal Banker Inform ation Dom ainsV e rs i o n 1 .4 P u b li s h e d o n A u g 3 , 2 0 1 1 BMO Inform ation Reference Model Product Produ c t Fa milies Chan g e S ervices Prod uct Access Services F in ancial E ngineerin g S ervices Trad in g S ervices Deposit S ervices Tran sfer S ervices In su ran ce Services Cu sto dial Services In vestment P ro duct In form ation Service Finance S ervice Financial Market Instrum ent S up port Services Produ ct R elationships Product Bundles Prod uct Co mpat ib ility P roduct Hi erarch ies P roduct Term s and Cond itions Rates Limits M at urity Instruct ions Availability E xchange Rate Eligibility Paym ent P ricing Fees Tax Product M ark eting Spe cification s Prod uct O pera ti ons Produ ct Services Levels Ar range ment Resour ce A r rangem e nts Leasing A rrang ements Mechani se/S ales A rrang ements Prop erty S ettlem ents Arrangem ents Collateral Arrangem ents Licensing Arrangem ents Lendi ng Arrangements Produ ct A rrangem ents P rod uct Arrang ement Type Account Arrang ement s Non-Account Services Account Facility Arrangements Insurance Arrangements Assurance Arrangements Party Arrangements O rg anization Arran gemen ts Em ploym ent Arran gemen ts Auth ority Arrangem ents Sett lement A rrang ement s Guarantee Arrangements Asset Securitization R esou rce C ha tte ls V ehicles E qu ipmen t P hysical Commo dities Furnitu re an d F ittin g s Valuable O bjects D ocu mentation Cont ract s Corresp ondence Ownership Documents S ignature Cards S oft ware Stat utory Declarations Insu rance Policy R eal Estate Build ings Land Finan cia l Res our ce I te ms Holdi ngs Purchased Assets B usiness Direc tion Plan Camp aign Plan M arketin g Plan Sales Plan F in ancial Plan Busine ss Models V alue at Risk Policies a nd Pro cedur es Credit Risk Approach Market Risk Approach O peratio nal Risk Approach Regu latory and C ompliance BA SEL S OX O SFI FE D Securities and E xchang e Commissio n Event Suspici ous Eve nt Ty pes Credit Card Fraud Debit Card Fraud Counterfeiting Ev ent Relatio nship s Event to Event R elation ships Event to L ocatio n R elation ships E vent to P roduct R elationships E vent to Arrangem ent Relationships Event to Classi fication Relationships E ven t Typ e Transactions Co mmu nication s Insu rance Claims Classificatio n Acc ounting U n it M anag emen t Acco unt Cu stom er Acco unt Exch ang e S ettlem ent Acco un t Led ger Curr ency C hann el Self -Serve Channels Full-S erve Channels Business-t o- Business Chan nel Ra tin g Risk Prof itabilit y Rating Perform ance Rat in g S atisf action Ratin g Retention Rat ing Industry C lassifica tion SIC Code ISCGro up A naly tics Ana lytics Cred it & Cou n ter Party Risk Debt Restru ctu rin g Risk Int erest Rate Risk Invo lved Party Exp osu re Risk L iquidity and F unding Risk Market Risk Operational Risk Insurance Risk R egulato ry and Com plia nce SOX Reporting Finan cial Capit al Adequacy Anti-M oney Laun dering Rela tion ship M ark eting C ampaig n Anal ysis Cross- Sell An alysis Loyalty An alysis Wallet Sh are M arket An alysis Cust omer E xperience Customer Interactions Cu stomer Behaviour Customer Att rition Investment Mana ge ment Co rporate Actio ns Fin ancial Market Lot Anal ysis Financial E xchange An alysis Holding Movements An alysis Investment F unds Analysis Sett lemen ts Analysis A sset and Li ability M anag emen t Profitability P roduct Prof itabilit y Cust omer Prof itabilit y Organiz ation Profit ability Party P ar ty Type Ind ividu al Organ iz atio n O rgan izat io n Un it E mplo yee Posit io n Party Role Retail Cu stomer Corp o rat e Cu sto mer Emp lo yee Ben ef iciary Borrower Lender Guarantor V endor Counter-P art y Broker Pa rty R elationsh ips Party to Party Relation ships Party to Product Relation ships Party to Arrangement Relation ships Party to Resource Relation ships Party to E vent Relationships Party to Business Direction Relationsh ips P arty to Location Relation ships Location Loc atio n Type Address Geographic Location Re lation ships Location to Location Relat ionships Adaptors) Data)and)Events) Integration Bus BankingAnyChannel, AnyWhere, AnyTime Customer Financial Advisor business rules Digital Personal Banker Inform ation Dom ainsV e rs i o n 1 .4 P u b li s h e d o n A u g 3 , 2 0 1 1 BMO Inform ation Reference Model Pro du ct Produ c t Fa milies Chang e S ervices Prod uct Access Services Fin ancial E ng ineerin g S ervices Trad in g S ervices Deposit S ervices Tran sfer S ervices In su rance Services Cu sto dial Services In vestm ent P ro duct In fo rm atio n Service Finan ce S ervice F in ancial Market In strum ent S up port Services Produ ct R elationships Prod uct Bu nd les Prod uct Co mpat ib ility P rod uct Hi erarch ies P roduct Term s and Cond itions Rates Limits M at urity Instruct ions Availab ility E xchan g e Rate Eligib ility Paym ent P ricing F ees Tax P roduct M ark eting Spe cifications P rod uct O pera ti ons Produ ct Services Levels Ar range ment Resour ce A r rangem e nts L easing A rran g ements Mech ani se/S ales A rran g ements Pro p erty S ettlem ents A rran gem ents Collateral A rran gem ents Licensing A rran gem ents Len di ng A rran gem ents Produ ct A rrangem ents P rod u ct Arrang emen t Type Acco unt Arrang ement s Non -Accoun t Services A ccou nt F acility Arran gemen ts In surance A rrangem en ts Assurance A rrangem en ts P arty Arrangements O rganization Arran gemen ts Em ploym ent Arran gemen ts Auth ority Arrangem ents Sett lement A rrang ement s G uarantee Arrangemen ts Asset Secu ritizatio n R esou rce C ha tte ls V ehicles E qu ipmen t P hysical Co mmo dities Fu rnitu re and F ittin g s Valuab le O bjects D ocu mentation Cont ract s C orresp on dence O wnersh ip Docu men ts S ig n ature Cards S oft ware Stat uto ry D eclaration s Insu rance Po licy R eal E state Build ing s Land Finan cia l Res our ce I te ms Ho ld i ng s Pu rchased Assets B usiness Direc tio n Plan Camp aign Plan M arketin g Plan Sales Plan F in ancial Plan Busine ss Models V alue at Risk Policies a nd P rocedur es Cred it Risk App ro ach Market Risk A p pro ach O p eratio nal Risk Ap proach Regu latory and C ompliance BA SEL S OX O SF I FE D Securities and E xchan g e Co mmissio n Event Suspici ous Eve nt Ty pes Cred it C ard Fraud Debit C ard Fraud Co unterfeiting Ev ent Relatio nships Event to Even t R elation ships Event to L ocatio n R elation ships E vent to P rodu ct R elation sh ip s E vent to Arran gem ent Relationsh ip s Event to Classi ficatio n Relatio nships E vent Typ e T ransactions Co mmun ications Insu rance Claims Classificatio n Acc ounting U nit M anag emen t Accou nt Cu stom er Acco unt Exch ang e S ettlem ent A cco un t Ledger Curr ency C hann el Self -Serve Ch ann els F ull-S erve Ch ann els Business-t o- B usin ess Chan nel Ra tin g Risk Prof itab ilit y R ating Perform ance Rat in g S atisf actio n Ratin g Reten tio n Rat ing Industry C lassifica tion SIC Co de ISCGro up A naly tics Ana lytics Cred it & Cou n ter Party Risk Debt Restructu rin g R isk Int erest Rate Risk Invo lved Party Exp osu re Risk L iquidity and F un ding Risk Market Risk Op eration al Risk Insu rance Risk R egulato ry and Com plia nce SOX Reportin g Finan cial Capit al Ad equacy An ti-M on ey Laun dering Rela tion ship M ark eting C ampaig n Anal ysis Cross- Sell Analysis Loyalty An alysis Wallet Sh are M arket An alysis Cust omer E xperience Cu sto mer Interaction s Cu sto mer Beh aviour Cu sto mer Att rition Investment Mana ge ment Co rpo rate Actio ns F in ancial Market Lo t Anal ysis Financial E xchan g e An alysis H olding Mo vements An alysis In vestment F u nd s A nalysis Sett lemen ts A nalysis A sset and Li ability M anag ement P rofitability P rod u ct Prof itab ilit y Cust omer Prof itab ilit y Organ iz atio n Pro fit ability Party Par ty Typ e Ind ividual O rganiz atio n O rg an izat io n Un it E mplo yee Posit ion P arty Role R etail C usto mer Corp o rat e Customer Emp loyee Ben ef iciary Bo rrower Lend er G uaranto r V end or Co unter-P art y Broker Pa rty R elationsh ips Party to Party Relation ship s Party to Product Relation ship s Party to Arrangem en t Relation ships Party to R eso urce Relation ship s Party to E ven t Relatio nships Party to Bu sin ess Directio n Relation sh ips P arty to Lo cation R elation sh ip s Lo cation Loc ation Type Ad dress Geo grap hic Location Re lationships L ocatio n to L ocatio n Relat io nships Adaptors) Data)and)Events) BankingAnyChannel, AnyWhere, AnyTime business rules Digital Personal Banker Inform ation Dom ainsV e rs i o n 1 .4 P u b li s h e d o n A u g 3 , 2 0 1 1 BMO Inform ation Reference Model Product Produc t Fa milies Chan g e S ervices Pro duct Access Services F inancial E ngineering S ervices Trad in g S ervices Depo sit S ervices Tran sfer S ervices In su ran ce Services Custodial Services In vestmen t P ro duct In fo rm ation Service F in ance S ervice Financial Market Instrum ent S up port Services Produ ct R elationships Pro duct Bund les Prod uct Co mpat ib ility P rod uct Hi erarch ies P roduct Term s and Conditions Rates L imits M at urity Instruct ions Availab ility E xchang e Rate Eligibility Paym ent P ricing Fees Tax Product M ark eting Spe cifications Prod uct O pera ti ons Pro du ct Services Levels Ar range ment Resour ce A r rangem e nts L easin g A rran g ements Mech ani se/S ales A rran g ements Pro p erty S ettlem ents A rrangem ents Co llateral A rrangem ents Licensing Arrangem en ts L endi ng Arrangem en ts Produ ct A rrangem ents P rod u ct Arrang emen t T yp e Acco un t Arran g ement s No n-Accoun t Services A cco unt Facility A rran gements In su ran ce Arrang emen ts Assu rance Arrang emen ts Party Arrangements O rg anization Arran gements Em ploym ent Arran gements Au th ority Arrangem ents Sett lemen t A rrang ement s G uarantee Arrang emen ts Asset Securitizatio n R esou rce C ha tte ls V ehicles E qu ipmen t P hysical Commo dities Furnitu re an d F ittin gs Valuable O bjects D ocu mentation Co nt ract s C orresp on den ce O wnership Docu men ts S ign ature Cards S oft ware Stat utory D eclaration s Insu rance Po licy R eal Estate Build ing s L and Financia l Res our ce I te ms Holdi ngs Purchased Assets B usiness Direc tion P lan Camp aig n Plan M arketing Plan Sales Plan F in an cial Plan Busine ss Models V alu e at Risk Policies a nd Procedur es Cred it R isk Appro ach Market R isk Ap pro ach O peratio nal Risk Appro ach Regulatory and C ompliance BA SEL S O X O SFI FE D Secu rities an d E xchan g e Co mmissio n Event Suspici ous Eve nt Ty pes Credit C ard F raud D ebit C ard Frau d Co un terfeitin g Ev ent Relatio nship s Even t to Even t R elation sh ip s Even t to L ocatio n R elation sh ip s E vent to P rod uct R elation sh ip s E vent to Arrangem en t Relatio nsh ip s Even t to Classi ficatio n Relation ships Even t Typ e Transactions Co mmu nication s Insu rance Claim s Classificatio n Acc ounting U n it M anag emen t Acco unt Exchang e Curr ency C hannel Self -Serve Ch annels Business-t o- Ra ting Risk Perfo rm ance Reten tio n Rat in g Industry C lassifica tion Party P ar ty Type Ind ividu al Organ iz atio n O rgan izat io n Un it E mployee Po sit io n Party Role Retail Cu stomer Corp orat e Cu sto mer Emp lo yee Benef iciary Borrow er L ender Gu arantor V endor Co un ter-P art y Broker Pa rty R elationships Party to Party R elation ships Party to Pro duct R elation ships Party to Arrangemen t R elation ships Party to Reso urce R elation ships Party to E vent R elationsh ips Party to Bu siness Directio n Relationsh ips P arty to Lo cation R elation sh ip s Locat ion Loc atio n Type Address G eograp hic Location Re lationships Lo cation to L ocatio n Relat ionsh ips Data)and)Events) Customer & Supply Centric Walmart Integration Bus Capital Markets DataData DataData DataData Derivatives Securities Lending Prime Brokerage Corp Lending Fixed Income Equity DataData Commodities Trade Portal FidessaLoanIQ GlobalOne PBHEagle / Summit DSTS Canada Credit Cards DataDataData Data Comm. Lending Retail LendingDeposit P&C MECH NCCS/ TSYS MECH/ NCCS/ Mort. MECH/ NCCS/ Mort. OpenLink Endur GlobalOne Data Data WealthInsurance PCG Capsil/ Ingenium RIS/ IPS/ RPM Data Data Rwealth CFM IPS Fin, Plan & Retire Asset Mgmt NaviPlan BankingAnyChannel, AnyWhere, AnyTime Customer Financial Advisor business rules Digital Personal Banker Inform ation Dom ainsV e rs io n 1 .4 P u b li s h e d o n A u g 3 , 2 0 1 1 BMO Inform ation Reference Model Product Produc t Fa milies Chang e S ervices Product Access Services Financial E ngineering S ervices Tradin g S ervices Deposit S ervices Transfer S ervices Insu rance Services Custodial Services In vestment P ro duct In form ation Service Finance S ervice Financial Market Instrum ent S up port Services Produ ct R elationships Product Bundles Prod uct Co mpat ib ility P roduct Hi erarch ies P roduct Term s and Cond itions Rates Limits M at urity Instruct ions Availability E xchange Rate Eligibility Paym ent P ricing Fees Tax Product M ark eting Spe cification s Prod uct O pera ti ons Produ ct Services Levels Ar range ment Resour ce A r rangem e nts Leasing A rrang ements Mechani se/S ales A rrang ements Prop erty S ettlem ents Arrangem ents Collateral Arrangem ents Licensing Arrangem ents Lendi ng Arrangements Produ ct A rrangem ents P rod uct Arrang ement Type Account Arrang ement s Non-Account Services Account Facility Arrangements Insurance Arrangements Assurance Arrangements Party Arrangements Organization Arrangements Em ploym ent Arrangements Auth ority Arrangem ents Sett lement A rrangement s Guarantee Arrangements Asset Securitization R esou rce C ha tte ls V ehicles E quipment P hysical Commo dities Furnitu re and Fittin gs Valuable O bjects D ocu mentation Cont ract s Corresp ondence Ownership Documents S ignature Cards S oft ware Stat utory Declarations Insu rance Policy R eal Estate Build ings Land Finan cia l Res our ce I te ms Holdi ngs Purchased Assets B usiness Direc tion Plan Campaign Plan M arketing Plan Sales Plan F inancial Plan Busine ss Models V alue at Risk Policies a nd Pro cedur es Credit Risk Approach Market Risk Approach O peratio nal Risk Approach Regu latory and C ompliance BA SEL S OX O SFI FE D Securities and E xchang e Commissio n Event Suspici ous Eve nt Ty pes Credit Card Fraud Debit Card Fraud Counterfeiting Ev ent Relatio nship s Event to Event R elation ships Event to L ocatio n R elation ships E vent to P roduct R elationships E vent to Arrangem ent Relationships Event to Classi fication Relationships Even t Typ e Transactions Communications Insurance Claims Classificatio n Acc ounting U n it M anagemen t Account Custom er Acco unt Exchang e S ettlem ent Account Ledger Curr ency C hann el Self -Serve Channels Full-S erve Channels Business-t o- Business Chan nel Ra tin g Risk Prof itabilit y Rating Perform ance Rat in g S atisf action Ratin g Retention Rat ing Industry C lassifica tion SIC Code ISCGro up A naly tics Ana lytics Credit & Coun ter Party Risk Debt Restructu ring Risk Int erest Rate Risk Invo lved Party Exp osure Risk L iquidity and F unding Risk Market Risk Operational Risk Insurance Risk R egulato ry and Com plia nce SOX Reporting Finan cial Capit al Adequacy Anti-M oney Laun dering Rela tion ship M ark eting C ampaig n Anal ysis Cross- Sell Analysis Loyalty Analysis Wallet Sh are M arket An alysis Cust omer E xperience Customer Interactions Cu stomer Behaviour Customer Att rition Investment Mana ge ment Co rporate Actio ns Fin ancial Market Lot Anal ysis Financial E xchange An alysis Holding Movements An alysis Investment F unds Analysis Sett lemen ts Analysis A sset and Li ability M anag emen t Profitability P roduct Prof itabilit y Cust omer Prof itabilit y Organiz ation Profit ability Party Par ty Type Ind ividual Organiz atio n Organ izat ion Unit E mployee Posit ion Party Role Retail Customer Corp orat e Customer Emp loyee Benef iciary Borrower Lender Guarantor V endor Counter-P art y Broker Pa rty R elationsh ips Party to Party Relation ships Party to Product Relation ships Party to Arrangement Relation ships Party to Resource Relation ships Party to E vent Relationships Party to Business Direction Relationsh ips P arty to Location Relation ships Location Loc atio n Type Address Geographic Location Re lation ships Location to Location Relat ionships Adaptors) Data)and)Events) Integration Bus Capital Markets DataData DataData DataData Derivatives Securities Lending Prime Brokerage Corp Lending Fixed Income Equity Data Commodit FidessaLoanIQ GlobalOne PBHEagle / Summit DSTS Canada Credit Cards DataDataData Data Comm. Lending Retail LendingDeposit P&C MECH NCCS/ TSYS MECH/ NCCS/ Mort. MECH/ NCCS/ Mort. OpenLin Endur Data Data WealthInsurance PCG Capsil/ Ingenium RIS/ IPS/ RPM Data Data Rwealth CFM IPS Fin, Plan & Retire Asset Mgmt NaviPlan BankingAnyChannel, AnyWhere, AnyTime Customer Financial business rules Digital Personal Banker Inform ation Dom ainsV e rs i o n 1 .4 P u b li s h e d o n A u g 3 , 2 0 1 1 BMO Inform ation Reference Model Product Produ c t Fa milies Chang e S ervices Product Access Services Financial E ngineering S ervices Tradin g S ervices Deposit S ervices Transfer S ervices Insu rance Services Custodial Services In vestm ent P ro duct In form ation Service Finance S ervice Financial Market Instrum ent S up port Services Produ ct R elationships Product Bundles Prod uct Co mpat ib ility P roduct Hi erarch ies P roduct Term s and Cond itions Rates Limits M at urity Instruct ions Availability E xchange Rate Eligibility Paym ent P ricing Fees Tax P roduct M ark eting Spe cifications P rod uct O pera ti ons Produ ct Services Levels Ar range ment Resour ce A r rangem e nts Leasing A rrang ements Mechani se/S ales A rrang ements Prop erty S ettlem ents A rrangem ents Collateral A rrangem ents Licensing A rrangem ents Lendi ng A rrangem ents Produ ct A rrangem ents P rod uct Arrang ement Type Account Arrang ement s Non-Account Services A ccount Facility Arrangements Insurance A rrangem ents Assurance A rrangem ents P arty Arrangements O rganization Arrangements Em ploym ent Arrangements Auth ority Arrangem ents Sett lement A rrangement s G uarantee Arrangements Asset Securitization R esou rce C ha tte ls V ehicles E quipment P hysical Commo dities Furnitu re and Fittin gs Valuable O bjects D ocu mentation Cont ract s C orresp ondence O wnership Documents S ignature Cards S oft ware Stat utory D eclarations Insu rance Policy R eal E state Build ings Land Finan cia l Res our ce I te ms Holdi ngs Purchased Assets B usiness Direc tion Plan Campaign Plan M arketing Plan Sales Plan F inancial Plan Busine ss Models V alue at Risk Policies a nd P rocedur es Credit Risk Approach Market Risk A pproach O peratio nal Risk Approach Regu latory and C ompliance BA SEL S OX O SFI FE D Securities and E xchang e Commissio n Event Suspici ous Eve nt Ty pes Credit C ard Fraud Debit C ard Fraud Counterfeiting Ev ent Relatio nships Event to Event R elation ships Event to L ocatio n R elation ships E vent to P roduct R elationships E vent to Arrangem ent Relationships Event to Classi fication Relationships E vent Typ e Transactions Communications Insurance Claims Classificatio n Acc ounting U nit M anagemen t Account Custom er Acco unt Exchang e S ettlem ent A ccount Ledger Curr ency C hann el Self -Serve Channels Full-S erve Channels Business-t o- B usiness Chan nel Ra tin g Risk Prof itabilit y R ating Perform ance Rat in g S atisf action Ratin g Retention Rat ing Industry C lassifica tion SIC Code ISCGro up A naly tics Ana lytics Credit & Coun ter Party Risk Debt Restructu ring R isk Int erest Rate Risk Invo lved Party Exp osure Risk L iquidity and F unding Risk Market Risk Operational Risk Insurance Risk R egulato ry and Com plia nce SOX Reporting Finan cial Capit al Adequacy Anti-M oney Laun dering Rela tion ship M ark eting C ampaig n Anal ysis Cross- Sell Analysis Loyalty Analysis Wallet Sh are M arket An alysis Cust omer E xperience Customer Interactions Cu stomer Behaviour Customer Att rition Investment Mana ge ment Co rporate Actio ns Fin ancial Market Lot Anal ysis Financial E xchange An alysis H olding Movements An alysis Investment F unds A nalysis Sett lemen ts A nalysis A sset and Li ability M anag ement P rofitability P roduct Prof itabilit y Cust omer Prof itabilit y Organiz ation Profit ability Party Par ty Typ e Ind ividual O rganiz atio n O rgan izat ion Unit E mployee Posit ion P arty Role R etail C ustomer Corp orat e Customer Emp loyee Benef iciary Borrower Lender G uarantor V endor Counter-P art y Broker Pa rty R elationsh ips Party to Party Relation ships Party to Product Relation ships Party to Arrangem ent Relation ships Party to R esource Relation ships Party to E vent Relationships Party to Business Direction Relationsh ips P arty to Location R elation ships Location Loc ation Type Address Geographic Location Re lationships Location to Location Relat ionships Adaptors) Data)and)Events) Integration Bus Cap DataData DataData Derivatives SCorp Lending Fixed Income Equity FidessaLoanIQ Eagle / Summit DSTS Canada Credit Cards DataDataData Data Comm. Lending Retail LendingDeposit P&C MECH NCCS/ TSYS MECH/ NCCS/ Mort. MECH/ NCCS/ Mort. Data Data WealthInsurance PCG Capsil/ Ingenium RIS/ IPS/ RPM Data Data Rwealth CFM IPS Fin, Plan & Retire Asset Mgmt NaviPlan BankingAnyChannel, AnyWhere, Any Customer business rules Digital Personal Banker Inform ation Dom ainsV e rs i o n 1 .4 P u b li s h e d o n A u g 3 , 2 0 1 1 BMO Inform ation Reference Model Product Produc t Fa milies Chang e S ervices Product Access Services Financial E ngineering S ervices Tradin g S ervices Deposit S ervices Transfer S ervices Insu rance Services Custodial Services In vestment P ro duct In form ation Service Finance S ervice Financial Market Instrum ent S up port Services Produ ct R elationships Product Bundles Prod uct Co mpat ib ility P roduct Hi erarch ies P roduct Term s and Conditions Rates Limits M at urity Instruct ions Availability E xchange Rate Eligibility Paym ent P ricing Fees Tax Product M ark eting Spe cifications Prod uct O pera ti ons Produ ct Services Levels Ar range ment Resour ce A r rangem e nts Leasing A rrang ements Mechani se/S ales A rrang ements Prop erty S ettlem ents A rrangem ents Collateral A rrangem ents Licensing Arrangem ents Lendi ng Arrangem ents Produ ct A rrangem ents P rod uct Arrang ement Type Account Arrang ement s Non-Account Services A ccount Facility A rrangements Insurance Arrangements Assurance Arrangements Party Arrangements O rganization Arrangements Em ploym ent Arrangements Auth ority Arrangem ents Sett lement A rrangement s G uarantee Arrangements Asset Securitization R esou rce C ha tte ls V ehicles E quipment P hysical Commo dities Furnitu re and Fittin gs Valuable O bjects D ocu mentation Cont ract s C orresp ondence O wnership Documents S ignature Cards S oft ware Stat utory D eclarations Insu rance Policy R eal Estate Build ings Land Financia l Res our ce I te ms Holdi ngs Purchased Assets B usiness Direc tion Plan Campaign Plan M arketing Plan Sales Plan F inancial Plan Busine ss Models V alue at Risk Policies a nd Procedur es Credit R isk Approach Market R isk Approach O peratio nal Risk Approach Regulatory and C ompliance BA SEL S O X O SFI FE D Securities and E xchang e Commissio n Event Suspici ous Eve nt Ty pes Credit C ard Fraud D ebit C ard Fraud Counterfeiting Ev ent Relatio nship s Event to Event R elation ships Event to L ocatio n R elation ships E vent to P roduct R elationships E vent to Arrangem ent Relationships Event to Classi fication Relationships Even t Typ e Transactions Communications Insurance Claim s Classificatio n Acc ounting U n it M anagemen t Account Customer Acco unt Exchang e S ettlem ent Account Ledger Curr ency C hannel Self -Serve Channels Full-S erve Channels Business-t o- Business Chan nel Ra ting Risk Prof itabilit y R ating Perform ance Rat in g S atisf action Ratin g Retention Rat ing Industry C lassifica tion SIC C ode ISCGroup A naly tics Ana lytics Credit & Coun ter Party Risk Debt Restructu ring Risk Int erest Rate Risk Invo lved Party Exp osure Risk L iquidity and F unding Risk Market Risk Operational Risk Insurance Risk R egulatory and Com plia nce SO X Reporting Finan cial Capit al Adequacy Anti-M oney Laun dering Rela tion ship M ark eting Campaig n Anal ysis C ross- Sell Analysis Loyalty Analysis Wallet Sh are M arket An alysis Cust om er E xperience Customer Interactions Cu stomer Behaviour Custom er Att rition Investment Mana ge ment Co rporate Actio ns Fin ancial Market Lot Anal ysis Financial E xchange An alysis Holding Movem ents An alysis Investment F unds Analysis Sett lemen ts Analysis A sset and Li ability M anag ement Profitability P roduct Prof itabilit y Cust omer Prof itabilit y O rganiz ation Profit ability Party Par ty Type Ind ividual Organiz atio n O rgan izat ion Unit E mployee Posit ion Party Role Retail Customer Corp orat e Customer Emp loyee Benef iciary Borrow er Lender Guarantor V endor Counter-P art y Broker Pa rty R elationships Party to Party R elation ships Party to Product R elation ships Party to Arrangement R elation ships Party to Resource R elation ships Party to E vent R elationships Party to Business Direction Relationsh ips P arty to Location R elation ships Locat ion Loc atio n Type Address G eographic Location Re lationships Location to Location Relat ionships Adaptors) Data)and)Events) Customer & Supply Centric Kohl’s BankingAnyChannel, AnyWhere, AnyTime BankingAnyChannel, AnyWhere, AnyTime BankingAnyChannel, An Customer & Supply Centric Amazon.com BankingAnyChannel, AnyWhere, AnyTime BankingAnyChannel, AnyWhere, AnyTime BankingAnyChannel, AnyWhere, AnyTime Customer & Supply Centric Costco Integration Bus Capital Markets DataData DataData DataData Derivatives Securities Lending Prime Brokerage Corp Lending Fixed Income Equity DataData Commodities Trade Portal FidessaLoanIQ GlobalOne PBHEagle / Summit DSTS Canada Credit Cards DataDataData Data Comm. Lending Retail LendingDeposit P&C MECH NCCS/ TSYS MECH/ NCCS/ Mort. MECH/ NCCS/ Mort. OpenLink Endur GlobalOne Data Data WealthInsurance PCG Capsil/ Ingenium RIS/ IPS/ RPM Data Data Rwealth CFM IPS Fin, Plan & Retire Asset Mgmt NaviPlan BankingAnyChannel, AnyWhere, AnyTime Customer Financial Advisor business rules Digital Personal Banker Inform ation Dom ainsV e rs io n 1 .4 P u b li s h e d o n A u g 3 , 2 0 1 1 BMO Inform ation Reference Model Product Produc t Fa milies Chang e S ervices Product Access Services Financial E ngineering S ervices Tradin g S ervices Deposit S ervices Transfer S ervices Insu rance Services Custodial Services In vestment P ro duct In form ation Service Finance S ervice Financial Market Instrum ent S up port Services Produ ct R elationships Product Bundles Prod uct Co mpat ib ility P roduct Hi erarch ies P roduct Term s and Cond itions Rates Limits M at urity Instruct ions Availability E xchange Rate Eligibility Paym ent P ricing Fees Tax Product M ark eting Spe cification s Prod uct O pera ti ons Produ ct Services Levels Ar range ment Resour ce A r rangem e nts Leasing A rrang ements Mechani se/S ales A rrang ements Prop erty S ettlem ents Arrangem ents Collateral Arrangem ents Licensing Arrangem ents Lendi ng Arrangements Produ ct A rrangem ents P rod uct Arrang ement Type Account Arrang ement s Non-Account Services Account Facility Arrangements Insurance Arrangements Assurance Arrangements Party Arrangements Organization Arrangements Em ploym ent Arrangements Auth ority Arrangem ents Sett lement A rrangement s Guarantee Arrangements Asset Securitization R esou rce C ha tte ls V ehicles E quipment P hysical Commo dities Furnitu re and Fittin gs Valuable O bjects D ocu mentation Cont ract s Corresp ondence Ownership Documents S ignature Cards S oft ware Stat utory Declarations Insu rance Policy R eal Estate Build ings Land Finan cia l Res our ce I te ms Holdi ngs Purchased Assets B usiness Direc tion Plan Campaign Plan M arketing Plan Sales Plan F inancial Plan Busine ss Models V alue at Risk Policies a nd Pro cedur es Credit Risk Approach Market Risk Approach O peratio nal Risk Approach Regu latory and C ompliance BA SEL S OX O SFI FE D Securities and E xchang e Commissio n Event Suspici ous Eve nt Ty pes Credit Card Fraud Debit Card Fraud Counterfeiting Ev ent Relatio nship s Event to Event R elation ships Event to L ocatio n R elation ships E vent to P roduct R elationships E vent to Arrangem ent Relationships Event to Classi fication Relationships Even t Typ e Transactions Communications Insurance Claims Classificatio n Acc ounting U n it M anagemen t Account Customer Acco unt Exchang e S ettlem ent Account Ledger Curr ency C hann el Self -Serve Channels Full-S erve Channels Business-t o- Business Chan nel Ra tin g Risk Prof itabilit y Rating Perform ance Rat in g S atisf action Ratin g Retention Rat ing Industry C lassifica tion SIC Code ISCGro up A naly tics Ana lytics Credit & Coun ter Party Risk Debt Restructu ring Risk Int erest Rate Risk Invo lved Party Exp osure Risk L iquidity and F unding Risk Market Risk Operational Risk Insurance Risk R egulato ry and Com plia nce SOX Reporting Finan cial Capit al Adequacy Anti-M oney Laun dering Rela tion ship M ark eting Campaig n Anal ysis Cross- Sell Analysis Loyalty Analysis Wallet Sh are M arket An alysis Cust omer E xperience Customer Interactions Cu stomer Behaviour Customer Att rition Investment Mana ge ment Co rporate Actio ns Fin ancial Market Lot Anal ysis Financial E xchange An alysis Holding Movements An alysis Investment F unds Analysis Sett lemen ts Analysis A sset and Li ability M anag emen t Profitability P roduct Prof itabilit y Cust omer Prof itabilit y Organiz ation Profit ability Party Par ty Type Ind ividual Organiz atio n Organ izat ion Unit E mployee Posit ion Party Role Retail Customer Corp orat e Customer Emp loyee Benef iciary Borrower Lender Guarantor V endor Counter-P art y Broker Pa rty R elationsh ips Party to Party Relation ships Party to Product Relation ships Party to Arrangement Relation ships Party to Resource Relation ships Party to E vent Relationships Party to Business Direction Relationsh ips P arty to Location Relation ships Location Loc atio n Type Address Geographic Location Re lation ships Location to Location Relat ionships Adaptors) Data)and)Events) Integration Bus Capital Markets DataData DataData DataData Derivatives Securities Lending Prime Brokerage Corp Lending Fixed Income Equity DataData Commodities Trade Portal FidessaLoanIQ GlobalOne PBHEagle / Summit DSTS Canada Credit Cards DataDataData Data Comm. Lending Retail LendingDeposit P&C MECH NCCS/ TSYS MECH/ NCCS/ Mort. MECH/ NCCS/ Mort. OpenLink Endur GlobalOne Data Data WealthInsurance PCG Capsil/ Ingenium RIS/ IPS/ RPM Data Data Rwealth CFM IPS Fin, Plan & Retire Asset Mgmt NaviPlan BankingAnyChannel, AnyWhere, AnyTime Customer Financial Advisor business rules Digital Personal Banker Inform ation Dom ainsV e rs io n 1 .4 P u b li s h e d o n A u g 3 , 2 0 1 1 BMO Inform ation Reference Model Product Produ c t Fa milies Chang e S ervices Product Access Services Financial E ngineering S ervices Tradin g S ervices Deposit S ervices Transfer S ervices Insu rance Services Custodial Services In vestment P ro duct In form ation Service Finance S ervice Financial Market Instrum ent S up port Services Produ ct R elationships Product Bundles Prod uct Co mpat ib ility P roduct Hi erarch ies P roduct Term s and Cond itions Rates Limits M at urity Instruct ions Availability E xchange Rate Eligibility Paym ent P ricing Fees Tax Product M ark eting Spe cifications Prod uct O pera ti ons Produ ct Services Levels Ar range ment Resour ce A r rangem e nts Leasing A rrang ements Mechani se/S ales A rrang ements Prop erty S ettlem ents Arrangem ents Collateral Arrangem ents Licensing Arrangem ents Lendi ng Arrangements Produ ct A rrangem ents P rod uct Arrang ement Type Account Arrang ement s Non-Account Services Account Facility Arrangements Insurance Arrangements Assurance Arrangements Party Arrangements Organization Arrangements Em ploym ent Arrangements Auth ority Arrangem ents Sett lement A rrangement s Guarantee Arrangements Asset Securitization R esou rce C ha tte ls V ehicles E quipment P hysical Commo dities Furnitu re and Fittin gs Valuable O bjects D ocu mentation Cont ract s Corresp ondence Ownership Documents S ignature Cards S oft ware Stat utory Declarations Insu rance Policy R eal Estate Build ings Land Finan cia l Res our ce I te ms Holdi ngs Purchased Assets B usiness Direc tion Plan Campaign Plan M arketing Plan Sales Plan F inancial Plan Busine ss Models V alue at Risk Policies a nd Procedur es Credit Risk Approach Market Risk Approach O peratio nal Risk Approach Regu latory and C ompliance BA SEL S OX O SFI FE D Securities and E xchang e Commissio n Event Suspici ous Eve nt Ty pes Credit Card Fraud Debit Card Fraud Counterfeiting Ev ent Relatio nships Event to Event R elation ships Event to L ocatio n R elation ships E vent to P roduct R elationships E vent to Arrangem ent Relationships Event to Classi fication Relationships Event Typ e Transactions Communications Insurance Claims Classificatio n Acc ounting U nit M anagemen t Account Customer Acco unt Exchang e S ettlem ent Account Ledger Curr ency C hann el Self -Serve Channels Full-S erve Channels Business-t o- Business Chan nel Ra tin g Risk Prof itabilit y Rating Perform ance Rat in g S atisf action Ratin g Retention Rat ing Industry C lassifica tion SIC Code ISCGro up A naly tics Ana lytics Credit & Coun ter Party Risk Debt Restructu ring Risk Int erest Rate Risk Invo lved Party Exp osure Risk L iquidity and F unding Risk Market Risk Operational Risk Insurance Risk R egulato ry and Com plia nce SOX Reporting Finan cial Capit al Adequacy Anti-M oney Laun dering Rela tion ship M ark eting Campaig n Anal ysis Cross- Sell Analysis Loyalty Analysis Wallet Sh are M arket An alysis Cust omer E xperience Customer Interactions Cu stomer Behaviour Customer Att rition Investment Mana ge ment Co rporate Actio ns Fin ancial Market Lot Anal ysis Financial E xchange An alysis Holding Movements An alysis Investment F unds Analysis Sett lemen ts Analysis A sset and Li ability M anag ement Profitability P roduct Prof itabilit y Cust omer Prof itabilit y Organiz ation Profit ability Party Par ty Typ e Ind ividual Organiz atio n Organ izat ion Unit E mployee Posit ion Party Role Retail Customer Corp orat e Customer Emp loyee Benef iciary Borrower Lender Guarantor V endor Counter-P art y Broker Pa rty R elationsh ips Party to Party Relation ships Party to Product Relation ships Party to Arrangement Relation ships Party to Resource Relation ships Party to E vent Relationships Party to Business Direction Relationsh ips P arty to Location Relation ships Location Loc ation Type Address Geographic Location Re lationships Location to Location Relat ionships Adaptors) Data)and)Events) Integration Bus Capital Markets DataData DataData DataData Derivatives Securities Lending Prime Brokerage Corp Lending Fixed Income Equity DataData Commodities Trade Portal FidessaLoanIQ GlobalOne PBHEagle / Summit DSTS Canada Credit Cards DataDataData Data Comm. Lending Retail LendingDeposit P&C MECH NCCS/ TSYS MECH/ NCCS/ Mort. MECH/ NCCS/ Mort. OpenLink Endur GlobalOne Data Data WealthInsurance Capsil/ Ingenium RIS/ IPS/ RPM Data Data Rwealth CFM IPS Fin, Plan & Retire Asset Mgmt NaviPlan BankingAnyChannel, AnyWhere, AnyTime Customer Financial Advisor business rules Digital Personal Banker Inform ation Dom ainsV e rs i o n 1 .4 P u b li s h e d o n A u g 3 , 2 0 1 1 BMO Inform ation Reference Model Product Produc t Fa milies Chang e S ervices Product Access Services Financial E ngineering S ervices Tradin g S ervices Deposit S ervices Transfer S ervices Insu rance Services Custodial Services In vestment P ro duct In form ation Service Finance S ervice Financial Market Instrum ent S up port Services Produ ct R elationships Product Bundles Prod uct Co mpat ib ility P roduct Hi erarch ies P roduct Term s and Conditions Rates Limits M at urity Instruct ions Availability E xchange Rate Eligibility Paym ent P ricing Fees Tax Product M ark eting Spe cifications Prod uct O pera ti ons Produ ct Services Levels Ar range ment Resour ce A r rangem e nts Leasing A rrang ements Mechani se/S ales A rrang ements Prop erty S ettlem ents Arrangem ents Collateral Arrangem ents Licensing Arrangem ents Lendi ng Arrangements Produ ct A rrangem ents P rod uct Arrang ement Type Account Arrang ement s Non-Account Services Account Facility Arrangements Insurance Arrangements Assurance Arrangements Party Arrangements Organization Arrangements Em ploym ent Arrangements Auth ority Arrangem ents Sett lement A rrangement s Guarantee Arrangements Asset Securitization R esou rce C ha tte ls V ehicles E quipment P hysical Commo dities Furnitu re and Fittin gs Valuable O bjects D ocu mentation Cont ract s Corresp ondence Ownership Documents S ignature Cards S oft ware Stat utory Declarations Insu rance Policy R eal Estate Build ings Land Financia l Res our ce I te ms Holdi ngs Purchased Assets B usiness Direc tion Plan Campaign Plan M arketing Plan Sales Plan F inancial Plan Busine ss Models V alue at Risk Policies a nd Procedur es Credit Risk Approach Market Risk Approach O peratio nal Risk Approach Regulatory and C ompliance BA SEL S OX O SFI FE D Securities and E xchang e Commissio n Event Suspici ous Eve nt Ty pes Credit Card Fraud Debit Card Fraud Counterfeiting Ev ent Relatio nship s Event to Event R elation ships Event to L ocatio n R elation ships E vent to P roduct R elationships E vent to Arrangem ent Relationships Event to Classi fication Relationships Even t Typ e Transactions Communications Insurance Claims Classificatio n Acc ounting U n it M anagemen t Account Customer Acco unt Exchang e S ettlem ent Account Ledger Curr ency C hannel Self -Serve Channels Full-S erve Channels Business-t o- Business Chan nel Ra ting Risk Prof itabilit y Rating Perform ance Rat in g S atisf action Ratin g Retention Rat ing Industry C lassifica tion SIC Code ISCGroup A naly tics Ana lytics Credit & Coun ter Party Risk Debt Restructu ring Risk Int erest Rate Risk Invo lved Party Exp osure Risk L iquidity and F unding Risk Market Risk Operational Risk Insurance Risk R egulatory and Com plia nce SOX Reporting Finan cial Capit al Adequacy Anti-M oney Laun dering Rela tion ship M ark eting Campaig n Anal ysis Cross- Sell Analysis Loyalty Analysis Wallet Sh are M arket An alysis Cust omer E xperience Customer Interactions Cu stomer Behaviour Customer Att rition Investment Mana ge ment Co rporate Actio ns Fin ancial Market Lot Anal ysis Financial E xchange An alysis Holding Movements An alysis Investment F unds Analysis Sett lemen ts Analysis A sset and Li ability M anag ement Profitability P roduct Prof itabilit y Cust omer Prof itabilit y Organiz ation Profit ability Party Par ty Type Ind ividual Organiz atio n Organ izat ion Unit E mployee Posit ion Party Role Retail Customer Corp orat e Customer Emp loyee Benef iciary Borrower Lender Guarantor V endor Counter-P art y Broker Pa rty R elationships Party to Party Relation ships Party to Product Relation ships Party to Arrangement Relation ships Party to Resource Relation ships Party to E vent Relationships Party to Business Direction Relationsh ips P arty to Location Relation ships Location Loc atio n Type Address Geographic Location Re lationships Location to Location Relat ionships Adaptors) Data)and)Events) Customer & Supply Centric CVS IntegrationBus Capital Markets DataData DataData DataData Derivatives Securities Lending Prime Brokerage Corp Lending Fixed Income Equity DataData Commodities Trade Portal FidessaLoanIQ GlobalOne PBHEagle / Summit DSTS Canada Credit Cards DataDataData Data Comm. Lending Retail LendingDeposit P&C MECH NCCS/ TSYS MECH/ NCCS/ Mort. MECH/ NCCS/ Mort. OpenLink Endur GlobalOne Data Data WealthInsurance PCG Capsil/ Ingenium RIS/ IPS/ RPM Data Data Rwealth CFM IPS Fin, Plan & Retire Asset Mgmt NaviPlan BankingAnyChannel, AnyWhere, AnyTime Customer Financial Advisor business rules Digital Personal Banker Inform ation Dom ainsV e rs io n 1 .4 P u b li s h e d o n A u g 3 , 2 0 1 1 BMO Inform ation Reference Model Product Produc t Fa milies Chang e S ervices Product Access Services Financial E ngineering S ervices Tradin g S ervices Deposit S ervices Transfer S ervices Insu rance Services Custodial Services In vestment P ro duct In form ation Service Finance S ervice Financial Market Instrum ent S up port Services Produ ct R elationships Product Bundles Prod uct Co mpat ib ility P roduct Hi erarch ies P roduct Term s and Cond itions Rates Limits M at urity Instruct ions Availability E xchange Rate Eligibility Paym ent P ricing Fees Tax Product M ark eting Spe cification s Prod uct O pera ti ons Produ ct Services Levels Ar range ment Resour ce A r rangem e nts Leasing A rrang ements Mechani se/S ales A rrang ements Prop erty S ettlem ents Arrangem ents Collateral Arrangem ents Licensing Arrangem ents Lendi ng Arrangements Produ ct A rrangem ents P rod uct Arrang ement Type Account Arrang ement s Non-Account Services Account Facility Arrangements Insurance Arrangements Assurance Arrangements Party Arrangements Organization Arrangements Em ploym ent Arrangements Auth ority Arrangem ents Sett lement A rrangement s Guarantee Arrangements Asset Securitization R esou rce C ha tte ls V ehicles E quipment P hysical Commo dities Furnitu re and Fittin gs Valuable O bjects D ocu mentation Cont ract s Corresp ondence Ownership Documents S ignature Cards S oft ware Stat utory Declarations Insu rance Policy R eal Estate Build ings Land Finan cia l Res our ce I te ms Holdi ngs Purchased Assets B usiness Direc tion Plan Campaign Plan M arketing Plan Sales Plan F inancial Plan Busine ss Models V alue at Risk Policies a nd Pro cedur es Credit Risk Approach Market Risk Approach O peratio nal Risk Approach Regu latory and C ompliance BA SEL S OX O SFI FE D Securities and E xchang e Commissio n Event Suspici ous Eve nt Ty pes Credit Card Fraud Debit Card Fraud Counterfeiting Ev ent Relatio nship s Event to Event R elation ships Event to L ocatio n R elation ships E vent to P roduct R elationships E vent to Arrangem ent Relationships Event to Classi fication Relationships Even t Typ e Transactions Communications Insurance Claims Classificatio n Acc ounting U n it M anagemen t Account Customer Acco unt Exchang e S ettlem ent Account Ledger Curr ency C hann el Self -Serve Channels Full-S erve Channels Business-t o- Business Chan nel Ra tin g Risk Prof itabilit y Rating Perform ance Rat in g S atisf action Ratin g Retention Rat ing Industry C lassifica tion SIC Code ISCGro up A naly tics Ana lytics Credit & Coun ter Party Risk Debt Restructu ring Risk Int erest Rate Risk Invo lved Party Exp osure Risk L iquidity and F unding Risk Market Risk Operational Risk Insurance Risk R egulato ry and Com plia nce SOX Reporting Finan cial Capit al Adequacy Anti-M oney Laun dering Rela tion ship M ark eting Campaig n Anal ysis Cross- Sell Analysis Loyalty Analysis Wallet Sh are M arket An alysis Cust omer E xperience Customer Interactions Cu stomer Behaviour Customer Att rition Investment Mana ge ment Co rporate Actio ns Fin ancial Market Lot Anal ysis Financial E xchange An alysis Holding Movements An alysis Investment F unds Analysis Sett lemen ts Analysis A sset and Li ability M anag emen t Profitability P roduct Prof itabilit y Cust omer Prof itabilit y Organiz ation Profit ability Party Par ty Type Ind ividual Organiz atio n Organ izat ion Unit E mployee Posit ion Party Role Retail Customer Corp orat e Customer Emp loyee Benef iciary Borrower Lender Guarantor V endor Counter-P art y Broker Pa rty R elationsh ips Party to Party Relation ships Party to Product Relation ships Party to Arrangement Relation ships Party to Resource Relation ships Party to E vent Relationships Party to Business Direction Relationsh ips P arty to Location Relation ships Location Loc atio n Type Address Geographic Location Re lation ships Location to Location Relat ionships Adaptors) Data)and)Events) IntegrationBus Capital Markets DataData DataData DataData Derivatives Securities Lending Prime Brokerage Corp Lending Fixed Income Equity DataData Commodities Trade Portal FidessaLoanIQ GlobalOne PBHEagle / Summit DSTS Canada Credit Cards DataDataData Data Com BankngAnyChanne AnyWhe e AnyTme C m A D g P on B n n egra onBus C M m m mm mm mm P&C M M M M M W PCG m M w M M m BankngAnyChanne AnyWhere AnyTme Cus ome F nanc a Adv so D g a Pe sona Banke Cus omer & Supp y Cen r c Kroger BankngAnyChanne AnyWhe e AnyTme BankngAnyChanne AnyWhe e AnyTme BankngAnyChanne AnyWhere AnyTme © T F G C A Empowered Consumer Cus omer & Supp y Cen r c Target n eg a on Bus BankngAnyChanne AnyWhe e AnyTme C m A D g P on B n n eg a on Bus MG BankngAnyChanne AnyWhe e AnyTme Cus ome F nanc a Adv so D g a Pe sona Banke Integrat on Bus Cap a Ma ke s m m mm Q G O H mm D mm P&C M NM M M H N M O G O W PCG m R R M Rw M M m N BankngAnyChanne, AnyWhere, AnyTme Cus ome F nanc a Adv so D g a Persona Banker 7 AND LOOK WHO IS IN CHARGE
Editor's Notes
- Evolution of computing in modern times
- Evolution of computing in modern times