IBM Financial Services Branches ATMs Thin Client Internet

IBM Financial Services Референсная архитектура банка Branches ATMs Thin Client Internet Rich Client Presentation / Interaction Services Multi-Channel Transformation Multi-Channel Integration Front End Application Server Enterprise Access Services Forms Mgmt Call Centers Relationship Managers / Agents Banking & Credit Operations Customer Relationship Mgmt Debt Credit Cards Risk General Ledger Business Partner Services Marketing Fraud Corporate Banking Decision Support Product Retail Banking Process Models Real Campaign Mgr Relationship Management Resource Loan Origination Process Manager 3 rd Party Products/Svcs Case Management Regulatory Payments Service Processes Compliance Processes Electronic Signature Внешние системы Marketing Processes Sales Processes Service Registry Service Mgmt Enterprise External Enterprise Service Hub Enterprise Service Bus & Repository & Invocation Services Gateway Service Bus Customer Analytics Business Insight Search & Discovery Analytics Threat & Fraud Analytics Mobile Banking Business Mgmt Бизнес - процессы Интеграция каналов Клиент Информационные Core Systems системы банка Customer Insight & Analytics Интеграция данных/ Information Services Master Data Mgmt Customer Account Product Banking Data Warehouse Data Marts Data Warehousing Banking Industry Models Каналы Fico Credit Scores Content Mgmt Systems Document Mgmt Systems Нестуктуриро- ванные данные Information Foundation Security, Management & Governance & Monitoring 3 Rapid Development & Integration IBM Dynamic Infrastructure Demographic Data Внешние данные

IBM Financial Services Tower. Group provides three views of the market size 5

IBM Financial Services Архитектурный взгляд – повторение пройденного. . . § Source systems (OCC data) § IBM Info. Sphere Data Warehouse Loans & Collaterals Accounts Loss Data Financial / GL Data Market Data 10 ETL Data Quality Information Integration Source data Customers § IBM Banking Datawarehouse § DB 2 database § Cognos NOW! § Analytics: DB 2 IM or 3 rd party § Data Marts: DB 2 § OLAP: Cognos § Cognos 8 BI and PM Deep Analytics Business Intelligence Predictive Model (Scorecards, Dashboards, Ad-hoc, Analysis, Reporting, Events/Alerts Planning) Business Rules IBM Banking Data Warehouse (BDW) Risk Calc Engine Data Marts § Portal: - Cognos - Web. Sphere - Lotus End User Access Web Email Financial Rptg Credit Risk OLAP Industry Framework (IFW) Models In memory streaming data source IBM Dynamic Infrastructure Office Operational Risk Mobile Other Risk Market Risk

IBM Financial Services Палитра решений по интегрированному управлению рисками Customer Due Diligence • KYC: CDD/EDD Solution • Customer Lifecycle Risk KYC Scoring Engine Party Resolution (KYC) IBM Offerings • Info. Sphere MDM • File. Net, Dashboard Accel. • Entity/Relationship Resolution & Name Matching IBM Offerings: IM: EAS & GNR Software Customer Lifecycle Risk ISVs Scoring Engine • Norkom • ACI (PRM) • Actimize EDD • Integrated Case Management • Dashboarding & Reporting Transaction Monitoring & Detection IBM Offerings Behavioral Monitoring • Enterprise Suspicious Activity Monitoring • Real time blocking • Reportable transaction aggregation • Web. Sphere Business Events • TSIEM (Tivoli) ISVs • ACI (PRM) • Norkom • Actimize • Fair Isaac, SAS Events/Alerts IBM Offerings: • File. Net • COGNOS • Dashboard Accl. ISVs: • Norkom • Actimize • ACI (PRM) Field Referrals Events IBM Offerings: • IOD / WII / Information Management Software Extract Transform Load (ETL) & Data on Demand (Do. D) • IFW/Banking Data Warehouse (BDW) Data Integration 5 Data Integration (Data warehouse & ETL) • Change Data Capture Account Opening Bad Guy Lists Product Development Marketing 11 Front Office Back Office CC&I Framework Payments Framework Credit Risk Front Office/CRM Back Office Internet External Data Bad Guy Lists Watch Lists Fraud Monitoring Security (SIEM)

IBM Financial Services Компоненты решения от IBM предлагает комбинированные решения с использованием программных и аппаратных платформ и услуг IBM Global Services Аппаратные платформы и хостинг Программные платформы Управление данными § Predefined Content (Metrics, Reports, Dashboards, etc. ) § IBM Cognos 8 Business Intelligence § IBM Cognos NOW! (real-time data) § IBM Cognos TM 1 (financial analytics) § IBM e. BHS (Business Hosting Solution § IBM Servers § IBM Web. Sphere Application Server § Web. Sphere Portal Внедрение Поддержка Консалтинг § IBM Info. Sphere (DB 2, Intelligent Minor, Cube Views, Data Quality, ETL, etc) § IBM Global Services 12 § IBM Banking Data Warehouse

IBM Financial Services Некоторые проекты 2008 года - Integrated Risk Management 17

IBM Financial Services www. ibm. com/ru 18

IBM Financial Services http: //www. risktech. financetech. com/ 19

IBM Financial Services Спасибо за внимание! Roman. Surgund@ru. ibm. com 20

IBM Financial Services Дополнительные слайды 2121

IBM Financial Services Client Engagement Example: HSBC Key Business Issues At HSBC higher risk management standards, a new risk organization, and implications of Basel II demanded a tighter focus on retail credit risk management at the corporate level. HSBC required centralized risk management intelligence to enable proactive identification, validation, and management of risk across a broad array of retail portfolios. Services Provided • Solution Components • IBM collaborated with HSBC Credit Risk, Finance, and IT to develop a scaleable, comprehensive risk analytics, intelligence, and reporting platform - and a streamlined process to ensure accurate data collection and management. • IBM Cognos 8 BI: Centralized analytical capabilities, ad-hoc reporting, regulatory reporting and dashboards related to Risk Management and Finance. • IBM delivered a comprehensive set of risk management requirements including standard and custom risk and finance metrics. • IBM BDW: Industry framework and process models • IBM DB 2: Data warehouse § Centralized and efficient risk analysis, intelligence, and reporting § Integration with Basel II data, portfolio segmentation, and Economic Capital inputs in addition to traditional and other Business Results emerging risk metrics. § Capability for broad, deep, and reliable view of risk from many perspectives § Scaleable and extendable to meet emerging business needs § Users include the HSBC Board of Directors, Chief Risk Officer, Finance execs/users, LOB execs/users and Risk execs/users “IBM delivered the expertise, sense of urgency and collaborative approach required to design, develop and validate the Risk MI Platform. 22 IBM neatly integrated into our business and technology teams. The combination of IBM leadership, business, technical and collaborative skills were key to our success in articulating the vision, delivering on the promise and easing the transition aspects of 22 moving to a new enterprise platform. ” — Stephen Mongulla, VP of Retail Credit Risk, HSBC

IBM Financial Services More available materials & contacts IBM 2008 CFO Study Balancing Risk & Performance with an Integrated Finance Organization GBS IBV (Steve Rogers) Risk appetite: A multifaceted approach to risk management Based on an IBM survey of financial institutions GBS FM (Robert Torok) Thinking Through Uncertainty CFO’s Scrutinize non-financial risk CFO Research Services with IBM Corporation GBS FM (Robert Torok) Orchestrating riskadjusted performance management: Identify and address risk events better and faster GBS FM (Robert Torok) Risk Management and Compliance in 2008 Competitive advantage from faster, more flexible and dynamic risk management GBS SCM UK (David Parisl) 23 Compliance Management IBM Systems Journal Volume 46, Number 2, 2007 • Optimized Enterprise Risk Management IBM Research (Juerg von Kaenel) To compliance and beyond: Adding value to your enterprise through operational and IT risk management IBM Research (Bonnie Ray) External loss data helps: evidence from the ORX database Op. Risk & Compliance Magazine – March 2008. IBM Research (Eric Cope, Simon Wills) The IBM Data Governance Council Maturity Model: Building a roadmap for effective data governance SWG IM on z (Mark Simmonds) Part of the Information Agenda A CIO’s Guide to IT Risk Management: Tapping the extraordinary potential for business value and financial growth September 2008 (Brian Barnier) CIW 03045 -USEN-00 Business Resilience Solutions Reduce risk in business acquisitions and consolidation by better managing IT and infrastructure dependencies March 2008 (Brian Barnier) GMW 14009 -USEN-00 Video Customer Discussion Initiator Integrated Risk Management Part 1 The Business Challenge September 2008 Video Customer Discussion Initiator Integrated Risk Management Part 2 Approaching the Opportunity September 2008

IBM Financial Services Information Agenda assets add value in various risk challenges Type of Risk Financial Crimes Challenges IFW/BDW, Info. Sphere Warehouse, Info Server, FIRM Accltr, ECM, GBS Automate understanding of people behind accounts & transactions Entity Analytics Solution, Global Name Recognition, IBM Global Services Large volume of false positives in various processes (ex: watch lists) Automate resolving false positives to dramatically speed processes Global Name Recognition, IBM Global Services Dramatic growth in data needed for risk management processes across enterprise Automated data growth management, failover and recovery IBM Optim Data Growth Solution, BCRS Automated linking of business processes & controls, consolidated paper stores IBM Enterprise Content Management, IBM Global Services Enables compliance with data privacy and data retention regulations IBM Optim Data Privacy Solution Rapidly rising fraud losses in declining economy (ex. online channels, insider fraud) Expensive manual paper-based processes create compliance exposures Governance & Compliance 25 Assets Trusted, real-time view of risk posture across enterprise, by channels, by LOBs Multiple, conflicting views of risk posture in different divisions, inability to react quickly Supply chain improvement Operational & IT Risk Value Proposition M&A activities, increased regulations, globalization causing Rapidly changing needs for measuring various data privacy, testing, retention and compliance issues & managing financial risk

IBM Financial Services FSS Integrated Risk Management - Business Levers FSS - Integrated Risk Management Operational Risk Management Financial Crimes IT & Infrastructure Risk Management Governance & Compliance Management Financial Exposure Management Customer identification Business Resilience Management Corporate Governance and Internal Control Risk Insight and Portfolio Management Entity management Operational Risk Monitoring and Sales and Market Conduct Control Compliance Risk Analytics Real Time Analytics (transaction monitoring) Integrated Information Security Risk Optimization Risk Based Management Case management Sourcing Risk Management Data integration This begins to describe what customers need to do This is where we can begin to provide value This is not a complete “solution” taxonomy 26 Regulatory Compliance Prudential Compliance

IBM Financial Services Banking Framework for Integrated Risk Management Financial Risk Financial Crimes Application & Data Managers • IT Events: Apps, • Security, etc. • Market Data & News feeds • External events • … Source data Information Discovery, ETL, Real-time updates Complex & High Speed Event processing Portals Analysts In-memory relational & fact/dimensional information Investigator Regulator, Risk Officer n Case Management n Compliance Web Analytics EAS, GNR Master Data Risk & Fraud Data End User Access Management Data Marts OLAP Governance & Compliance Operational & IT Risk Compliance Information Fraud Detection Engines … Risk Calculators Reporting & KRI Dashboards Risk Mgt Email Compliance Mgt Reporting Office o o o • Market Data Mobile • Loss Data • Other Industry Models Sources • … • Data & process model extensions Server & Storage, IT Service Management 28

IBM Financial Services Banking Framework for Integrated Risk Management – enabling products Integrated Risk Management Financial Crimes Application & Data Managers • Web. Sphere Portal Analysts • Workplace for Business Portals Controls & Reporting Complex & High • Info. Sphere Streams Speed Event • Web. Sphere Business Events processing • Web. Sphere Front Office • IT Events: Apps, • Web. Sphere MQ (Low Latency • Security, etc. Messaging) • Web. Sphere Front. Office Information Discovery, ETL, Real-time updates Financial Risk • External events • Info. Sphere Information Server • … • • Info. Sphere Federation Server Change data Capture Source data Info. Sphere Data Architect Info. Sphere MDM Server • Market In-memory relational & fact/dimensional information • Cognos NOW • Cognos TM 1 Operational & IT Risk Investigator • • • Regulator, Risk Officer File. Net n Case Management Web. Sphere Process Server n Compliance e. Discovery Management • Info. Sphere Warehouse • Info. Sphere MDM Server Master Data Compliance Information • Solid. DB Risk & Fraud Data … • Entity Analytics Solutions EAS, GNR • Global Name Recognition Fraud Detection • ILog BRMS Engines • IBM Content Analyzer Risk Calculators • Custom Analytics o o o & Orchestration Reporting & KRI Dashboards Email Risk Mgt • Cognos 8, BRP & Compliance FIRM Mgt Reporting Data • Loss Data • Other Sources • … • • • Web. Sphere Business Services Fabric Server • Web. Sphere Transformation Extender 29 Banking Data Warehouse Industry Models Info. Sphere Insurance Warehouse Info. Sphere Data Architect • Data & process model extensions Optim Discovery (DRA+Exeros) & Storage, IT Service IBM Smart Analytic System Components End User Access Web Data Marts OLAP Governance & Compliance • Tivoli Access Manager • Tivoli Security Information & Event manager Management • …. . Office Mobile