Procurement - A Reflection on 2012-2013 and the Way ForwardKBIZEAU
Shared Services Canada provided a summary of its 2012-13 procurement activities and plans for the future. Key points include:
- SSC absorbed over 5,000 contracts and $1.05B in spending from 43 partner departments. Telecom services made up 51% of spending.
- SSC is working on a 3-year procurement plan and improving governance, policy, and strategic engagement.
- SSC established advisory committees to provide input on procurement best practices and opportunities for Canadian ICT firms.
- Next steps include finalizing the procurement plan, acquiring a new procurement system, and developing procurement strategies with business lines.
Arnel Micua has over 15 years of experience in business analysis, project management, and systems implementation for large financial institutions. He has expertise in areas like business process design, requirements analysis, project management, and Six Sigma. Notable projects include managing a data governance program at a large financial institution to improve data quality, remediating erroneous financial transactions at an offshore bank, and implementing various systems while working with banks and an interbank ATM network. He has a track record of successfully analyzing requirements, managing projects, and implementing solutions across multiple industries including banking, capital markets, and credit services.
Ag-Env Sharing_McKinley and Rio Colorado_FinalKaren Wogsland
This document summarizes a presentation about getting water sharing projects implemented between agricultural and environmental uses. It discusses the legal tools available in Colorado for restoring streamflows, including water rights transactions, the CWCB instream flow program, and water conservation programs. It provides examples of two projects: the McKinley Ditch project which used a water court change of use, and the Rio Colorado project which used a water conservation program. The presentation covered the approval processes for these different legal tools and strategies for agricultural-environmental water sharing partnerships.
El documento analiza la falta de espacio en viviendas de estratos bajos en Bogotá y propone una idea de negocio para fabricar muebles multifuncionales levadizos hechos con madera reciclada, lo que mejoraría la calidad de vida de las personas al optimizar el espacio y beneficiaría el medio ambiente. El proyecto incluiría un análisis del mercado, diseño y fabricación del producto, y evaluación de su viabilidad y rentabilidad.
El documento es una carta de una madre a su hijo donde promete aprovechar el día para disfrutar de pequeños momentos juntos como sonreír, jugar y hacer burbujas sin preocuparse por las tareas cotidianas. También reflexiona sobre lo afortunados que son al poder estar juntos y dar las gracias a Dios por el regalo de tener a su hijo. Termina pidiendo a otros padres que pasen el mensaje y aprecien cada día con sus hijos.
Actividad 8 innovatic habilidades y competenciassilviagigue
Este documento analiza la práctica educativa en un colegio de Medellín. Reconoce que los estudiantes enfrentan problemas familiares, sociales y económicos que afectan su aprendizaje. La escuela ofrece capacitación técnica y académica a estudiantes de diferentes estratos sociales. El trabajo docente se basa en un enfoque constructivista que promueve el aprendizaje por proyectos. Los estudiantes desarrollan habilidades de investigación para abordar problemas de su comunidad. Aunque se han adoptado las
El documento describe las propiedades físicas del agua, incluyendo que es incolora, inodora e insípida, y no tiene forma propia. También explica que el agua es esencial para la vida humana y otros seres vivos, y que aproximadamente el 70% de la Tierra y el cuerpo humano está compuesto de agua. Además, detalla los pasos básicos para tratar el agua bruta y producir agua potable, incluyendo regulación, floculación, filtración y desinfección.
El sacerdote visita a un hombre enfermo a pedido de su hija. El hombre le cuenta que ha estado hablando con Jesús sentado en una silla vacía a su lado por horas cada día durante los últimos cuatro años. Cuando el hombre muere poco después de la visita del sacerdote, su hija encuentra su cabeza recostada en la silla vacía, como si hubiera estado hablando con alguien. El sacerdote cree que el hombre murió en paz después de hablar con Jesús.
Procurement - A Reflection on 2012-2013 and the Way ForwardKBIZEAU
Shared Services Canada provided a summary of its 2012-13 procurement activities and plans for the future. Key points include:
- SSC absorbed over 5,000 contracts and $1.05B in spending from 43 partner departments. Telecom services made up 51% of spending.
- SSC is working on a 3-year procurement plan and improving governance, policy, and strategic engagement.
- SSC established advisory committees to provide input on procurement best practices and opportunities for Canadian ICT firms.
- Next steps include finalizing the procurement plan, acquiring a new procurement system, and developing procurement strategies with business lines.
Arnel Micua has over 15 years of experience in business analysis, project management, and systems implementation for large financial institutions. He has expertise in areas like business process design, requirements analysis, project management, and Six Sigma. Notable projects include managing a data governance program at a large financial institution to improve data quality, remediating erroneous financial transactions at an offshore bank, and implementing various systems while working with banks and an interbank ATM network. He has a track record of successfully analyzing requirements, managing projects, and implementing solutions across multiple industries including banking, capital markets, and credit services.
Ag-Env Sharing_McKinley and Rio Colorado_FinalKaren Wogsland
This document summarizes a presentation about getting water sharing projects implemented between agricultural and environmental uses. It discusses the legal tools available in Colorado for restoring streamflows, including water rights transactions, the CWCB instream flow program, and water conservation programs. It provides examples of two projects: the McKinley Ditch project which used a water court change of use, and the Rio Colorado project which used a water conservation program. The presentation covered the approval processes for these different legal tools and strategies for agricultural-environmental water sharing partnerships.
El documento analiza la falta de espacio en viviendas de estratos bajos en Bogotá y propone una idea de negocio para fabricar muebles multifuncionales levadizos hechos con madera reciclada, lo que mejoraría la calidad de vida de las personas al optimizar el espacio y beneficiaría el medio ambiente. El proyecto incluiría un análisis del mercado, diseño y fabricación del producto, y evaluación de su viabilidad y rentabilidad.
El documento es una carta de una madre a su hijo donde promete aprovechar el día para disfrutar de pequeños momentos juntos como sonreír, jugar y hacer burbujas sin preocuparse por las tareas cotidianas. También reflexiona sobre lo afortunados que son al poder estar juntos y dar las gracias a Dios por el regalo de tener a su hijo. Termina pidiendo a otros padres que pasen el mensaje y aprecien cada día con sus hijos.
Actividad 8 innovatic habilidades y competenciassilviagigue
Este documento analiza la práctica educativa en un colegio de Medellín. Reconoce que los estudiantes enfrentan problemas familiares, sociales y económicos que afectan su aprendizaje. La escuela ofrece capacitación técnica y académica a estudiantes de diferentes estratos sociales. El trabajo docente se basa en un enfoque constructivista que promueve el aprendizaje por proyectos. Los estudiantes desarrollan habilidades de investigación para abordar problemas de su comunidad. Aunque se han adoptado las
El documento describe las propiedades físicas del agua, incluyendo que es incolora, inodora e insípida, y no tiene forma propia. También explica que el agua es esencial para la vida humana y otros seres vivos, y que aproximadamente el 70% de la Tierra y el cuerpo humano está compuesto de agua. Además, detalla los pasos básicos para tratar el agua bruta y producir agua potable, incluyendo regulación, floculación, filtración y desinfección.
El sacerdote visita a un hombre enfermo a pedido de su hija. El hombre le cuenta que ha estado hablando con Jesús sentado en una silla vacía a su lado por horas cada día durante los últimos cuatro años. Cuando el hombre muere poco después de la visita del sacerdote, su hija encuentra su cabeza recostada en la silla vacía, como si hubiera estado hablando con alguien. El sacerdote cree que el hombre murió en paz después de hablar con Jesús.
Este documento presenta varias corrientes filosóficas relacionadas con el conocimiento: el dogmatismo, el escepticismo, el relativismo, el subjetivismo, el pragmatismo, el criticismo y el positivismo. Brevemente describe las características del dogmatismo, el escepticismo, el relativismo y el subjetivismo. También menciona algunos filósofos representativos de estas corrientes como Pirrón de Elis, William James e Immanuel Kant.
El documento describe la crisis económica y social en Argentina en diciembre de 2001 que llevó a disturbios masivos. Miles de personas saquearon supermercados buscando comida debido a la pobreza y el desempleo. El 19 de diciembre comenzaron protestas pacíficas conocidas como "La Noche de las Cacerolas", pero la policía reprimió violentamente a los manifestantes, dejando 35 muertos. El presidente huyó en helicóptero mientras Buenos Aires caía en el caos. El documento culpa a los políticos incompet
La Tierra es un planeta pequeño que orbita alrededor del Sol a una distancia de 150 millones de kilómetros. Gira sobre su eje de oeste a este en aproximadamente 24 horas y orbita alrededor del Sol en un año de 365 días. La Tierra tiene forma de geoide achatada y es el quinto planeta más grande en nuestro sistema solar.
El documento describe el estado actual y futuro de Internet móvil. Se espera que para el 2015 la tasa de penetración de Internet móvil a nivel mundial alcance el 37% y genere ingresos de 161 mil millones de euros. Factores como las redes 3G, smartphones con pantallas grandes y tiendas de aplicaciones han impulsado el uso de Internet móvil. Aunque el crecimiento será constante, la tasa de crecimiento disminuirá con el tiempo a medida que se integren más funciones de conectividad en otros dispositivos.
Nuestra principal actividad es la gestión integral del agua desde su captación hasta su posterior uso, vertido y/o reutilización. Ofrecemos una gestión integral, comprometiéndonos de una forma
responsable con el medioambiente y la salud publica, mejorando la relación coste-beneficio a través de un servicio próximo, flexible y proporcionado por un equipo de expertos especializados en tratamiento de aguas. Ofrecemos soluciones globales desde tres unidades de negocio
- PRODUCTOS QUIMICOS PARA TRATAMIENTO DE AGUAS
- INSTALACIONES DE TRATAMIENTO Y EQUIPOS
- SERVICIOS MEDIOAMBIENTALES
En lo que hacemos, somos los mejores.
El documento describe las similitudes entre Venus y la Tierra, incluyendo que Venus probablemente era parecido a la Tierra antiguamente pero ahora es un infierno debido a su efecto invernadero extremo. Explica detalles sobre la rotación, temperatura y distancia de Venus en comparación con la Tierra, y plantea la preocupación de que el calentamiento global podría transformar a la Tierra en un mundo como Venus si no se controla. También incluye enlaces a fuentes adicionales sobre la atmósfera y características de Venus.
El documento habla sobre el reciclaje de plásticos. Explica que los estilos de vida modernos han llevado a patrones de consumo que afectan el ambiente y que los plásticos representan una parte importante de los desechos sólidos debido a su baja densidad. También describe las etapas del proceso de reciclaje de plásticos, incluyendo la recolección, el centro de reciclaje y la clasificación. Además, menciona algunas ventajas del reciclaje como ahorrar energía y reducir la
Este documento describe diferentes tipos de costas, arrecifes y estructuras geológicas asociadas con arrecifes. Explica que existen costas altas y bajas, y describe arrecifes de coral, arrecifes geológicos y atolones. También describe la morfología submarina incluyendo el zócalo continental, el talud continental, las fosas marinas, la placa de Nazca y la cordillera submarina de Nazca.
El documento habla sobre los sintagmas, que son palabras o grupos de palabras que tienen significado y función sintáctica. Explica que todo sintagma tiene una palabra núcleo y puede tener modificadores. Describe dos tipos principales de sintagmas - nominales y verbales - dependiendo del núcleo. Luego profundiza en los sintagmas nominales, sus modificadores y funciones como sujeto u otros roles en la oración.
Nuevo estudio alzheimer - Pablo Dominguezcmcsabiduria
Un grupo de investigadores ha descubierto un análisis sanguíneo que puede predecir el Alzheimer con tres años de anticipación en más del 90% de los casos. El análisis detecta una combinación de marcadores como proteínas y otros elementos comunes en personas sanas y con Alzheimer. Este nuevo método promete ser económico y podría impulsar la investigación de nuevos tratamientos.
Este documento resume el cuarto hábito de pensar en ganar-ganar. Explica que las interacciones deben beneficiar a ambas partes y que no hay otra opción que no sea el mutuo beneficio. Describe diferentes paradigmas como ganar-ganar, ganar-perder, perder-ganar y solo ganar. Finalmente, concluye que pensar en ganar-ganar trae éxito y fortaleza a largo plazo.
Para que ocurra un incendio se necesitan tres elementos: combustible, oxígeno y una fuente de ignición. Los incendios en edificios se producen comúnmente debido a instalaciones eléctricas defectuosas o sobrecargadas. Para prevenir incendios, es importante almacenar materiales combustibles de forma estratégica y evitar sobrecargar las redes eléctricas. También se deben considerar diseños de edificios seguros con salidas de emergencia amplias y sistemas de detección de humo.
Como parte de la clase de Estadística General, en la Universidad Nacional de Ciencias Foretales en Honduras, realizamos una investigación sobre tres plantas que hoy en día represetan y se categorizan como Cultivos Energético Alternativos.
Encontramos muchos documentos que hablaban sobre estas tres especies incluso documentos que hablaban, en el mismo documento, sobre las tres.
En fin, este fue el "anteproyecto" que se presentó. La presentación duró aproximandente una hora y allí habla sobre la Higuerilla (Ricinus communis) Piñon (Jatropha curcas) y el Girasol (Helianthus annus).
En una prueba experimental depués realizada, buscamos la velocidad de crecimiento del gitasol en tres tipos de suelo y luz diferente.
This document advertises an immediate credit offer for purchases, where customers will receive incredible gifts. It promotes providing credit right away when buying something and includes free extra bonuses. The key details are getting financing and credits instantly for a purchase and receiving additional gifts or rewards.
This document discusses Project POWER at Autoneum, which aims to centralize treasury operations and transition to an in-house bank and virtual accounts. Key points include:
1) Project POWER started in 2012 to improve cash visibility, reduce costs, and transition to a new treasury system. It involves implementing SAP and connecting to banks through FIDES.
2) Future plans include rolling out an in-house bank for payment and collection on behalf of legal units, using a virtual account structure. This will reduce cash balances and bank accounts.
3) Lessons from go-lives in 2013-2014 highlighted the need for thorough testing and training due to the many internal and external dependencies involved
The document discusses core banking transformation, which refers to replacing, upgrading, or outsourcing a bank's core banking systems. It addresses the drivers for transformation, including internal needs like managing legacy systems and reducing costs as well as external factors like regulations and competition. Building a strong business case is important, involving both qualitative and quantitative analysis of costs, benefits, and long payback periods of 3-5 years on average. The right transformation approach depends on factors like the bank's size and complexity, and may include a complete replacement, upgrade, or outsourcing of systems.
Too many bank processes rely on manual labor, but some banks are experimenting with rapid automation approaches to reduce costs. By reworking IT architecture, banks can automate complex tasks and activities requiring human intervention. To succeed, banks must prioritize processes for simplification and automation, use multiple integration technologies in IT solutions, and prepare IT departments for agile development methods. Successful large-scale automation requires understanding value drivers, carefully designing operating models and IT architecture, and sequencing initiatives with a business case.
Operations Director providing the leadership, management and vision necessary to ensure that the company has the proper operational policies, processes, procedures, controls, and systems in place to effectively grow and to ensure financial strength and operating efficiency.
OSGi Community Event 2010 - Its Not About Technology Anymore (including a Cas...mfrancis
Credit Suisse has over 3000 applications and 100 million lines of code, creating high complexity. The document discusses Credit Suisse's strategy to reduce complexity through a service-oriented architecture (SOA) approach and modularity. This includes exposing existing applications as reusable services, standardizing platforms, and establishing governance processes to manage the architecture. The goals are to increase agility, reduce costs, and balance investments in functionality and efficiency.
Scott Pounder is a senior operational leadership professional with over 16 years of experience in banking and credit card management who has a track record of delivering significant operational efficiencies and cost savings through Lean Six Sigma methodology. He is currently the Head of Operations at Atos Worldline where he manages a contact center and technical teams, and has previously held management roles at GE Capital Bank and Capital One Bank where he achieved millions of pounds in savings and efficiencies. Pounder holds a Black Belt in Lean Six Sigma and qualifications in bank card management.
Este documento presenta varias corrientes filosóficas relacionadas con el conocimiento: el dogmatismo, el escepticismo, el relativismo, el subjetivismo, el pragmatismo, el criticismo y el positivismo. Brevemente describe las características del dogmatismo, el escepticismo, el relativismo y el subjetivismo. También menciona algunos filósofos representativos de estas corrientes como Pirrón de Elis, William James e Immanuel Kant.
El documento describe la crisis económica y social en Argentina en diciembre de 2001 que llevó a disturbios masivos. Miles de personas saquearon supermercados buscando comida debido a la pobreza y el desempleo. El 19 de diciembre comenzaron protestas pacíficas conocidas como "La Noche de las Cacerolas", pero la policía reprimió violentamente a los manifestantes, dejando 35 muertos. El presidente huyó en helicóptero mientras Buenos Aires caía en el caos. El documento culpa a los políticos incompet
La Tierra es un planeta pequeño que orbita alrededor del Sol a una distancia de 150 millones de kilómetros. Gira sobre su eje de oeste a este en aproximadamente 24 horas y orbita alrededor del Sol en un año de 365 días. La Tierra tiene forma de geoide achatada y es el quinto planeta más grande en nuestro sistema solar.
El documento describe el estado actual y futuro de Internet móvil. Se espera que para el 2015 la tasa de penetración de Internet móvil a nivel mundial alcance el 37% y genere ingresos de 161 mil millones de euros. Factores como las redes 3G, smartphones con pantallas grandes y tiendas de aplicaciones han impulsado el uso de Internet móvil. Aunque el crecimiento será constante, la tasa de crecimiento disminuirá con el tiempo a medida que se integren más funciones de conectividad en otros dispositivos.
Nuestra principal actividad es la gestión integral del agua desde su captación hasta su posterior uso, vertido y/o reutilización. Ofrecemos una gestión integral, comprometiéndonos de una forma
responsable con el medioambiente y la salud publica, mejorando la relación coste-beneficio a través de un servicio próximo, flexible y proporcionado por un equipo de expertos especializados en tratamiento de aguas. Ofrecemos soluciones globales desde tres unidades de negocio
- PRODUCTOS QUIMICOS PARA TRATAMIENTO DE AGUAS
- INSTALACIONES DE TRATAMIENTO Y EQUIPOS
- SERVICIOS MEDIOAMBIENTALES
En lo que hacemos, somos los mejores.
El documento describe las similitudes entre Venus y la Tierra, incluyendo que Venus probablemente era parecido a la Tierra antiguamente pero ahora es un infierno debido a su efecto invernadero extremo. Explica detalles sobre la rotación, temperatura y distancia de Venus en comparación con la Tierra, y plantea la preocupación de que el calentamiento global podría transformar a la Tierra en un mundo como Venus si no se controla. También incluye enlaces a fuentes adicionales sobre la atmósfera y características de Venus.
El documento habla sobre el reciclaje de plásticos. Explica que los estilos de vida modernos han llevado a patrones de consumo que afectan el ambiente y que los plásticos representan una parte importante de los desechos sólidos debido a su baja densidad. También describe las etapas del proceso de reciclaje de plásticos, incluyendo la recolección, el centro de reciclaje y la clasificación. Además, menciona algunas ventajas del reciclaje como ahorrar energía y reducir la
Este documento describe diferentes tipos de costas, arrecifes y estructuras geológicas asociadas con arrecifes. Explica que existen costas altas y bajas, y describe arrecifes de coral, arrecifes geológicos y atolones. También describe la morfología submarina incluyendo el zócalo continental, el talud continental, las fosas marinas, la placa de Nazca y la cordillera submarina de Nazca.
El documento habla sobre los sintagmas, que son palabras o grupos de palabras que tienen significado y función sintáctica. Explica que todo sintagma tiene una palabra núcleo y puede tener modificadores. Describe dos tipos principales de sintagmas - nominales y verbales - dependiendo del núcleo. Luego profundiza en los sintagmas nominales, sus modificadores y funciones como sujeto u otros roles en la oración.
Nuevo estudio alzheimer - Pablo Dominguezcmcsabiduria
Un grupo de investigadores ha descubierto un análisis sanguíneo que puede predecir el Alzheimer con tres años de anticipación en más del 90% de los casos. El análisis detecta una combinación de marcadores como proteínas y otros elementos comunes en personas sanas y con Alzheimer. Este nuevo método promete ser económico y podría impulsar la investigación de nuevos tratamientos.
Este documento resume el cuarto hábito de pensar en ganar-ganar. Explica que las interacciones deben beneficiar a ambas partes y que no hay otra opción que no sea el mutuo beneficio. Describe diferentes paradigmas como ganar-ganar, ganar-perder, perder-ganar y solo ganar. Finalmente, concluye que pensar en ganar-ganar trae éxito y fortaleza a largo plazo.
Para que ocurra un incendio se necesitan tres elementos: combustible, oxígeno y una fuente de ignición. Los incendios en edificios se producen comúnmente debido a instalaciones eléctricas defectuosas o sobrecargadas. Para prevenir incendios, es importante almacenar materiales combustibles de forma estratégica y evitar sobrecargar las redes eléctricas. También se deben considerar diseños de edificios seguros con salidas de emergencia amplias y sistemas de detección de humo.
Como parte de la clase de Estadística General, en la Universidad Nacional de Ciencias Foretales en Honduras, realizamos una investigación sobre tres plantas que hoy en día represetan y se categorizan como Cultivos Energético Alternativos.
Encontramos muchos documentos que hablaban sobre estas tres especies incluso documentos que hablaban, en el mismo documento, sobre las tres.
En fin, este fue el "anteproyecto" que se presentó. La presentación duró aproximandente una hora y allí habla sobre la Higuerilla (Ricinus communis) Piñon (Jatropha curcas) y el Girasol (Helianthus annus).
En una prueba experimental depués realizada, buscamos la velocidad de crecimiento del gitasol en tres tipos de suelo y luz diferente.
This document advertises an immediate credit offer for purchases, where customers will receive incredible gifts. It promotes providing credit right away when buying something and includes free extra bonuses. The key details are getting financing and credits instantly for a purchase and receiving additional gifts or rewards.
This document discusses Project POWER at Autoneum, which aims to centralize treasury operations and transition to an in-house bank and virtual accounts. Key points include:
1) Project POWER started in 2012 to improve cash visibility, reduce costs, and transition to a new treasury system. It involves implementing SAP and connecting to banks through FIDES.
2) Future plans include rolling out an in-house bank for payment and collection on behalf of legal units, using a virtual account structure. This will reduce cash balances and bank accounts.
3) Lessons from go-lives in 2013-2014 highlighted the need for thorough testing and training due to the many internal and external dependencies involved
The document discusses core banking transformation, which refers to replacing, upgrading, or outsourcing a bank's core banking systems. It addresses the drivers for transformation, including internal needs like managing legacy systems and reducing costs as well as external factors like regulations and competition. Building a strong business case is important, involving both qualitative and quantitative analysis of costs, benefits, and long payback periods of 3-5 years on average. The right transformation approach depends on factors like the bank's size and complexity, and may include a complete replacement, upgrade, or outsourcing of systems.
Too many bank processes rely on manual labor, but some banks are experimenting with rapid automation approaches to reduce costs. By reworking IT architecture, banks can automate complex tasks and activities requiring human intervention. To succeed, banks must prioritize processes for simplification and automation, use multiple integration technologies in IT solutions, and prepare IT departments for agile development methods. Successful large-scale automation requires understanding value drivers, carefully designing operating models and IT architecture, and sequencing initiatives with a business case.
Operations Director providing the leadership, management and vision necessary to ensure that the company has the proper operational policies, processes, procedures, controls, and systems in place to effectively grow and to ensure financial strength and operating efficiency.
OSGi Community Event 2010 - Its Not About Technology Anymore (including a Cas...mfrancis
Credit Suisse has over 3000 applications and 100 million lines of code, creating high complexity. The document discusses Credit Suisse's strategy to reduce complexity through a service-oriented architecture (SOA) approach and modularity. This includes exposing existing applications as reusable services, standardizing platforms, and establishing governance processes to manage the architecture. The goals are to increase agility, reduce costs, and balance investments in functionality and efficiency.
Scott Pounder is a senior operational leadership professional with over 16 years of experience in banking and credit card management who has a track record of delivering significant operational efficiencies and cost savings through Lean Six Sigma methodology. He is currently the Head of Operations at Atos Worldline where he manages a contact center and technical teams, and has previously held management roles at GE Capital Bank and Capital One Bank where he achieved millions of pounds in savings and efficiencies. Pounder holds a Black Belt in Lean Six Sigma and qualifications in bank card management.
The New Payments Platform: Fast-Forward to the FutureCognizant
Today's bank customers demand digital payment instruments that support real-time payments and settlements. While banks worldwide have adopted this concept, Australia's New Payments Platform (NPP), when contrasted with global models, takes this concept a step further with benefits that include all of the features today's bank customers want, such as 24x7x365 availability; real-time settlement, posting in seconds, premier messaging standards and alternate identifiers. It is thus imperative to build a carefully planned, all-inclusive NPP solution that will remain viable, profitable, efficient and serviceable from internal, regulatory, payments and customer perspectives alike.
This document discusses in-house banking (IHB) models for large corporations. It notes that IHB can help corporations address priorities like effective cash management, risk reduction, and organizational efficiency. An IHB provides visibility and control over cash, helps optimize costs through reduced banking fees, and allows centralization. The document outlines structural and operational requirements for setting up an IHB, as well as services it can provide like payments, cash management, and treasury functions. It suggests corporations consider an IHB if they have global operations, multiple legal entities and currencies, decentralized structures, and high banking costs. IHB models may particularly benefit multinational corporations seeking to improve cash management, reduce costs, and gain more control and visibility over
BizFlow - BPM at Jardine Lloyd Thompson for Sales, Document Handling, Custome...Garth Knudson
As far back as 2004, JLT EB started using business process management (BPM) to streamline a limited set of business operations. Use was confined to about 30 people in a “model office”. During that same time period, JLT acquired Profund, a leading provider of pension administration software in the UK. Customers included both in-house and third-party administrators. Profund had seen opportunities to expand its pension fund administration solutions into specific areas of process automation while helping customers to simplify the overall user experience. Deciding to use the current BPM tool, the company developed outward facing solutions that rolled out to end customers in 2007. BPM usage at JLT EB and Profund grew to about 300 users.
Between 2007-2010, JLT made more than 20 acquisitions globally across the group. JLT EB operations quickly became highly complex, distributed and paper-based. Employees were handling millions of documents annually covering Pension Administration, Payroll, Defined Contributions, Actuarial, Health and Risk, among other requests. Processes treated more than 16 million workflow elements, 300+ million rows of table data and 15 million SharePoint documents. The BPM solution covers 14 active offices in Europe and India, off-shoring and massive amounts of regulations. The company knew that in order to continuing growing at the same speed while containing costs, it would have to do more with less.
JLT EB accomplished its goals of increased revenues with lower costs with continual investment in BPM. JLT EB has worked with BizFlow and used the BizFlow BPM software to streamline >200 processes. From an ROI standpoint, this work has provided a key business component, contributing to JLT EB’s growth in trading profit by 50% in the last financial year. Revenue growth is enabled by more flexible solutions that can be highly tailored to internal client needs as well as end-customer engagements. Cost cutting is enabled through the use of process automation tied together with effective scanning, document handling and rule-based routing. Paper is largely removed, deadlines hit, and governance accomplished.
Mary Kyriakopoulos is an experienced project management professional with over 30 years of experience managing projects across various industries including banking, pensions, and facilities management. She has extensive experience leading projects through their entire life cycle from initiation to completion, ensuring they are delivered on time and on budget. She is skilled in change management, process improvement, and building strong relationships with stakeholders. She is currently seeking a new opportunity to contribute her skills and experience.
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Nbg group coo navigating the crisis_september_2015 v public
1. Navigating the Crisis:
A COO perspective on (digital)
transformation and the road ahead
Athens, September 2015
Damianos Charalampidis, Group COO
National Bank of Greece
2. 1D. Charalampidis, Group COO, National Bank of Greece
A. A Bank transformation while in crisis
Radical reorganization and enhancing of IT services
Customer service improvement through process redesign
Substantial cost reduction
Seamless integration of 2 banks
A new regulatory framework
B. Managing Capital Controls: Facing a new reality
“Forced digitization” of the customer base
Absorbing extraordinary workloads
Adjusting processes “on the fly”
C. The opportunity ahead in the post capital controls era
Can capital controls also lead to a positive long-term effect on NBG’s operations?
Insights from the telco world: Where banking needs to go
A COO perspective on (digital) transformation during the crisis
3. 2D. Charalampidis, Group COO, National Bank of Greece
Core of the Ops transformation has been a radical reorganization and
redesign of IT services
A
Organizational redesign to
resolve chronic issues
• Establishment of a Group IT
Governance Division
• Establishment of Business
Analysis Division
• Establishment of CISO role
• Integration of “Ethnodata”
in the IT organizational
structure
• Creation of a Project
Management Office (PMO)
Setting up a PMO to align IT with business targets
• Priorities setting
• Approval of new
projects
• Monitoring of progress
IT Units
Project
Managment
Office (PMO)
Units of
the Bank
New requests Implementation
Request
document-
tation
• Priorities suggestions
• Progress reports
Project
sizing
Project
approval
committee
Executive
Committee
• Decision making
• Monitoring of
strategic projectsThe reality coming in
• ~1.000 requests
per semester,
unorganized, with
no prioritization
• Endless project
implementation
times
4. 3D. Charalampidis, Group COO, National Bank of Greece
Visible and sustained results: (Over-)doubling of IT productivity since
2013 with >75% of requests fulfilled
Double IT productivity vs. 2013 (despite VRS-based reduction
of personnel by ~20%)…
2013 Total
Projects*
2015
(Ε)
2014
+ 104%
+ 7%
…representing ~75% of total request submitted
(Summary of submitted requests, Jan 2013 - Dec 2014)
Total requests
submitted
Requests
fulfilled
Requests in
process
Requests
under
investigation/
stand by
The implementation of
minor projects is done
without further
approvals (FIFO logic)
2.776
341
3.601
484
A
* IT projects over 10 mandays, potentially bundling multiple requests
5. 4D. Charalampidis, Group COO, National Bank of Greece
A major process redesign journey was also embarked: Increasing
efficiency while improving customer service
Key challenges identified (and indicative processing times)
31%
24% 24%
9%
5% 7%
Average time: 10 days
0-3
days
4-7
days
8-14
days
15-21
days
22-28
days
>28
days
• Focus on 12 basic roles and14 key processes (teller
transactions, lending, restructuring)
• A larger number of standardized and repetitive tasks ,
control checks and back-office functions that are carried
out by the branches
• Partial process automation and need to access multiple
systems for task processing
• Identified complicated procedures and fragmentation of
roles and responsibilities between headquarters and
branches resulting to time-consuming costumer service
• Housing loans restructuring (end-to-end):
average time 28 days
• Consumer loans restructuring (end-to-end):
average time 17 days
The time required for the control check is
more than the 3 day set threshold in 70% of
the cases
Indicative customer service: Required completion time
distribution for technical and legal checks for mortgages
A
59
proposals
for
improve-
ment
Quick Wins ΙΤ
Require Systemic
Change
Pure process
redesign
Centralization
Number
Time
estimate
Impact
estimate
Of which
6 months 12 months
Summary status
18 • Completed
55 • 18 implemented
• 23 in process
• 14 under
investigation
6 • 2 implemented
• 2 in progress
• 2 in design
4
Small
Medium
Large
Small
• 1 completed
• 3 in process
Summary of defined process improvement initiatives
6. 5D. Charalampidis, Group COO, National Bank of Greece
SG& A costs (Total G&A, IFRS, Bank, Greece)
Key actions
to cut costs
• Renegotiation of procurement contracts (IT maintenance,
Buildings’ maintenance and cleaning)
• Rents’ renegotiation
• Demand needs optimization and process redesign (post &
telecom, cash management, cash-in-transit)
• Cost cutting (advertising, sponsorships, subscriptions, 3rd party
services)
• Further cuts in
telecom costs
• Cut in postage
expenses
• MPS
implementation
in branches (1st
phase)
• Spatial redesign and
consolidation of centralized
services in own buildings
• Rationalization of energy
consumption
• Redesign of mass printing and
card personalization
• Expansion of MPS to more
branches
20112010 2014E
-15%
2012 2013
A
In parallel substantial cost reduction has already been achieved with the
effort further continuing…
Extra costs from absorption of
FBB and Probank
In addition significant effort put in increasing energy
efficiency via targeted Capex investments with long term
effect, also reducing the Bank’s energy footprint
7. 6D. Charalampidis, Group COO, National Bank of Greece
Creation of model document
digitization center in the same facilities
in order to:
• Stop physical distribution of files
• Servicing of all document recall
needs via the digitization and
electronic distribution process
…while improving operations through digital doc management and
creation of physical archiving/digitization infrastructure
• State of the art archiving system with special
shelves/decks, very narrow corridors and semi-
automatic collection machines
• Cooperation of the It and archiving infrastructure
at all stages leveraging RF technology
• Minimization of archiving and recovering time
• Realization of practically zero error service level
A
Collection of the physical archive in the ΠΑΕΓΑΕ facilities
• Loan files
• Teller transactions’ documentation
• Customer identification documents
• Central services archive (e.g., Legal, HR)
• Other archive
8. 7D. Charalampidis, Group COO, National Bank of Greece
2 Banks were seamlessly integrated (in less than 4 months for both
cases)
FBB
(May-June 2013)
Probank (August-
December 2013)
• 70.000
– 23.000 new
customers
– 47.000 common
with NBG
Customers
• 510.000
– 140.000 new
customers
– 370.000 common
with NBG
Loans
• € 0,6 bln.
• 3,5k loan
accounts
• € 2,4 bln.
• 33k loan accounts
Deposits
• € 1,1 bln.
• 70k deposit
accounts
• € 2,4 bln.
• 430k deposit
accounts
Branches
• 19 • 112
Personnel
• 220 employees • 1.100 employees
Σεπ Οκτ Νοε
Operational integration
implementation
Integration design
26/07
Imme-
diate
actions
Mapping of current
status
Overview of integrated banks Timeline of Probank integration
A
Transi-
tion
(7-
8/12)
SpecsDetailed
activity plan
2nd test
(30/11-
01/12)
1st test
(23-
24/11)
Business
decisions
Key mile-
stones
9. 8D. Charalampidis, Group COO, National Bank of Greece
New regulatory framework posing unique challenges through the period
Key highlights
A
• EU Digicomp “commitments” leading to the need of the creation of new
policies and respective process, IT infrastructure and reporting
• 5 year Restructuring Plan with quarterly monitoring, non-adherence to
which could result in the NBG losing its private character
• 2 Asset Quality Reviews (AQR) with heavy reporting requirements
• SSM in place as of November 2014 effectively, among others, formalizing
AQR reporting and leading to annual repeat
10. 9D. Charalampidis, Group COO, National Bank of Greece
Pre- and post-capital controls: A radical change of the
Bank’s everyday reality within a month
Extraordinary increase of transactions across all channels… … and a rapid “forced digitization” of all customer base
Branch Network
+ 14%
ATM/PoS
+ 62%
Internet Banking Logons
Internet Banking
+ 52%
+ 36%
B
• Issuance of 500k debit cards (out of 3 million) in 2
months
• Doubled acquiring revenue from 7.5 to 15 €
million/day
• PoS: 100 applications/day vs. 10 per day in a
‘business as usual day’
11. 10D. Charalampidis, Group COO, National Bank of Greece
Important process and functionality changes were required
immediately, while we had to firefight extraordinary loads
with intuitive (and not so much) adjustments “on the fly”
Abnormal loads…
…leading to adjustments “on the fly”
July-August
Before capital
controlsCall center facts
B
Key immediate requirements
Implementation of capital controls
• Central management of withdrawal
thresholds for cash and ‘plastic’
money
• Monitoring of fund transfers
• Transaction management per
Branch type (standard vs. special
purpose branches)
• Management of new/free
funds/capital
Infrastructure optimization to tackle
increased transaction volumes
• PoS
• ATM
• Internet Banking
• Contact Center
• Call center supported via leveraging ~230 FTEs from Collections
• New application for debit card PINs to be sent via SMS
• PIN activation calls rerouted to external call center
• Rerouting of specific transactions (e.g., internet banking activations) back
to branches
~5,500 ~21,000
~4,100 ~12,000
~3 min ~20-25 min
• 50% of total 1100 daily import/export transactions previously not
recorded (executed online “manually”) doubling the load at central
services/branches with much heavier process (due to approval need)
• ATM refills min twice to three times per day
• Average wait
• Answered calls/day
• Incoming calls/day
• Revert of Trade Finance centralization
• New application for requests & approvals of transactions process
• Created ~150 new reconciliation cashier transactions
12. 11D. Charalampidis, Group COO, National Bank of Greece
The Road Ahead: From a short-term strain to a mid/long-term
opportunity
Short-term impact Potential Mid/long-term impact
▪ Operational disruption from rapid customer shift
to alternative channels
Financial
sector
▪ Strain on Banks’ liquidity from deposit leakage
and ELA limitation
▪ Collapse of trust/customer confidence in
Banking system
▪ Rise of NPLs in all segments
Positive effect
Negative effect
▪ Potential reduction of operating cost and increase
in transaction fees in case of sustained shift to
alternative channels
▪ Imminent need for further re-capitalization (3rd
in three years)
C
Business
activity
▪ Barriers on trade flows (esp. imports) ▪ Potential increase of transparency and consequent
state contributions from business activity (incl.
payroll, transactions, turnover)
Consumer
behavioral
▪ Potential increase of transparency and consequent
tax evasion prevention via alternative channels
▪ Radical drop in consumption (especially cash
based transactions) mainly towards small
businesses
▪ Shift to direct transaction channels (including
web-banking, plastic money, ATM)
13. 12D. Charalampidis, Group COO, National Bank of Greece
Banking vs. Telecoms:
The similarities…
• Service based
businesses
• Heavy on Retail
• Heavy on
Regulation, posing
similar challenges
and obstacles
• Both requiring
excellence in Ops to
win over the
customer journey
C
Lessons (to be) learned from the telecoms world: Heading towards a
digital era
Banking vs. Telecoms:
…and the differences
• Telecoms (esp. mobile) a much “fresher”
business (e.g., Vodafone Group with 24
years or operations vs. NBG’s 174 years
since founded)
• Telecoms industry assimilating and
spearheading technology and innovation
much faster
• Banking carrying much more legacy (e.g, in
terms of systems) while telecoms having
higher flexibility and executing easier
transformations (e.g. first On-line system in
Greece by NBG fully tailor made)
• Regulatory constraints higher for Banking
The bet ahead for Banking:
Follow telecom’s example of
moving very fast to CRM
• Enabling full and detailed
view of the customer
journey’s across channels
• Understanding the
customer base and its
behavior
• Having a seamless
experience and interface
across channels