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Group Architecture & IT Strategy
Nedbank Business
Architecture
Group Architecture & IT Strategy
• What are the business drivers for Business
Architecture in Nedbank?
• What constitutes Business Architecture in
Nedbank?
• Who are the users of Business Architecture and
what products or services do we deliver to them?
• What are our challenges?
• What are our successes?
• Methodology example.
Group Architecture & IT Strategy
Nedbank Group Structure
“Forrester’s customer advocacy rankings show that retail financial services firms aren’t meeting the current needs of customers. What’s causing the problem?Organizational silos. But Forrester sees an end to this status quo. The changing needs of customers, increasing competitive pressure, and emerging technology capabilities will push leading firms to break down their internal silos and create innovative new products and services.”
July 7, 2006
Forrester: The Financial Services Survival Guide
Retail Financial Services Firms Need To Master Five New Skills
Group Architecture & IT Strategy
Nedbank Business Architecture Functions
High Level Design
Business Architecture Content
Frameworks & Methods
Architectural Tools
Business Architecture
Architecture
Data ArchitectureApplication ArchitectureInfrastructure Architecture
IT Strategy
Group Architecture & IT Strategy
• Requirements definition –
Several studies have estimated
that rework costs can amount to 50% of total project costs, of which requirement errors comprise 70 to 85% of these rework costs.
Raytheon Study, Calculating your Return on Investment From more effective Requirements Management, Rational
Software Corporation.
What are the business drivers for BA in Nedbank?
Cost of errors in requirements
R 219
R 131
R 0
R 50
R 100
R 150
R 200
R 250
R 300
R 350
R 400
1
Years
To
tal
pro
ject
sp
en
d -
Mil
lio
ns
“To expensive !!
”
“Take to lo
ng !!”
“Don’t produce
what we w
ant !!”
Group Architecture & IT Strategy
Architectural Roadmap
• Artifact driven
• Limited integration / collaboration
• Silo based
• Limited re-use
• No single source of the truth
• Duplication of effort
Initial Landscape
Desired Landscape
• Model driven approach
• Common language – Good governance
• End–2–end integrated design
• Re-use
• Separation of concerns
• Collaborative / Iterative approach
Product Technology
Process Data
• Artifact driven
• Limited integration / collaboration
• Silo based
• Limited re-use
• No single source of the truth
• Duplication of effort
Initial Landscape
Desired Landscape
• Model driven approach
• Common language – Good governance
• End–2–end integrated design
• Re-use
• Separation of concerns
• Collaborative / Iterative approach
Product Technology
Process Data
Product Technology
Process Data
(Silo’s within Silo’s)
Group Architecture & IT Strategy
What constitutes BA in Nedbank?
RepositoryRepository
MANAGEMENT
VISION
Analyst Skills
Model Architecture
Methodology
Tool
Training
Self Study
Ext. Curriculum
Ref.
Guide
Manual
Poster
Methods
BRS
Manual
Poster
Guide
Tool
Training
Scripts
BUSINESS ARCHITECTURE - OPERATING LANDSCAPE
Collabora
tion
Impro
ved B
usiness
Requirem
ents
Re -Use
Business
/ IT
Alignm
ent
Model B
ased
Approach
Enterp
rise
Archite
cture
SOA
Itera
tion
ToolLibra
ry
Managem
ent
Pattern
s
Comm
unication
Change
Princip
les
Processes
Product
Service
Process
Market
Segment
Authentication
Method
Organisation
Channel
Library
Content
Patterns
Business
Architect
Analyst
AS-IS
Content Models
Pro
jects
Org
an
ic
Govern
ance
Architect
Analyst
Designer
Best Practice
ObjectiveObjective
Client Client
BenefitBenefit
BusinessBusiness
rulesrules
Market Market
Segment Segment
FeatureFeature
TechnicalTechnical
ServiceServiceChannelChannel
ProductProduct
EventEventApplicationApplication
MessageMessage
OperationOperation
GLGL
PLPL
ServiceService
Set Set
DataData
EntityEntity
ServiceService
Authentication Authentication
MethodMethod
ScreenScreen
InfrastructureInfrastructure
SystemSystem
ProcessProcess
PositionPosition
Group Architecture & IT Strategy
Who are the users of BA and what products or services do we deliver to them?
High Level Design• Extract & document cross
product / channel project
requirements.
• Recommend & drive re-
engineering opportunities.
Architecture Tools• Training.
• User support.
• Impact analysis and other
script report generation.
Architects• Consulting / communicating
a future view.
• Common language /
alignment.
• Project high level scoping.
Methodology• Training.
• Mentoring / coaching.
• Methods development to
include all stakeholder
requirements.
•Execs
•Product Managers
•Channel Managers
•Business Analysts
•Process Analysts
•Architects (All)
•Designers
Group Architecture & IT Strategy
What are our challenges?
• Executive sponsorship
• Structural positioning within the group
• Measuring / delivering short-term value
• Change management
• Quality management
• Governance
• Reaching critical mass
• Role clarity
• Skills transfer
• Understanding the ‘as-is’
• Organization maturity / readiness
SystemicLogic: Research Report: Enterprise scale
SOA Readiness
Relative engagement effort comparison
http://corporateinformation.wrightanalytics.com/corpinfo.php?page=63975K104
Group Architecture & IT Strategy
What are our successes?
• Successes are slow / incremental
– Analyst training curriculum
– Re-engineering opportunities
– Common language - across disciplines
– A product architecture
• Services – library content
• Channels
• Access mechanisms
• Product to process integration
– A process architecture
• Usable process architecture (Levels 1-3)
• Patterns
• Process to technology integration
Group Architecture & IT Strategy
A Case Study
Model-driven business process integration and management:
A case study with the Bank SinoPac regional service platform.
“An entire solution was provided, from Business Process Modeling at the operations level, through the execution and
implementation levels, all the way to coding and testing.”
“Compared with approaches employed on similar projects, the model-driven approach was up to 30% more efficient. The work
was done on time, within budget, and with extremely high customer satisfaction.”
http://researchweb.watson.ibm.com/journal/rd/485/zhu.pdf
Group Architecture & IT Strategy
Group Architecture & IT StrategyNed bankFi nancialSe rvices
Pro duct Portfol io
Market Instruments
Product Fami ly
O ffshoreProd uct Famil y
Lendi ngProdu ct Fa mil y
D igital BankingPro duct Famil y
CardProduct Line
In vestmentProduct Fami ly
Tran sactio nalProd uct Famil y
Deri vative
Product Li ne
Nedbank Financial Serv ices Product Portfolio
Pre paidServices
Product Line
C urrent
Account ProductLi ne
Dig ital Banki ng
Product Lin e
Cli entForei gn
Currency AccountProduct Line
Hom e Loa ns
Pro duct L ine
Person al LoansPro duct L ine
Asse t F inance Loans
Pro duct L ine
Deb t C onsol ida tion
LoansPro duct L ine
Inves tment
Accoun tProduct Li ne
Savi ngsAcco unt
Product Li ne
Bancassuran ceProduct Fami ly
Insu rance
Produ ct Li ne
Ass urance Produ ct Li ne
F inanci al
Plan ningProd uct L ine
Advi sory/Bro kerServi ces
Produ ct Fa mily
O ffsh ore Inves tment
AccountPro duct Line
W ork In Progress
Comm erci alLoans
Pro duct L ine
Subsi dis edLoans
Pro duct L ine
MicroLo ansPro duct L ine
MarketIns trumen tsProduct Li ne
Investm ent LoansPro duct L ine
OffshoreLoan AccountPro duct Line
Offshore
Asset Fi nanceLoans
Pro duct Line
Cur ren t
Acco unt Pr oductLine
Nedbank Current Account Product Line
Ne dcreditT rans action
Accoun t
Nedba nk
Cur ren t Account
N-5000 Inve stmen t
Curr ent Accou ntfor Ind ividu al
Dezign Banking
Packag e
Per sona l Banking
P lans
Nedba nk Green
Affinity Cur rentAccoun t
Nedban k Spor t A ffin ity Cur rent
Acco unt
Nedba nk Arts Affinity Curre nt
Acco unt
Nedba nk Mandela
Child rens F und
Ne dbank P lans 8+
Nedba nk
Pla ns18+
Ne dbank
Pla ns 35+
Old Mutual Bank Cur ren t Account
Prim e Club Curr ent Accou nt
Nedba nk Cur ren t Account
for Busin ess
NedTru stCurr ent Accou nt
N-5 000 Investm ent Cur ren t Account
for Busin ess
Optim um Curr ent Accou nt
Cur re nt AccProd uc t Lin e
O bje ctive
Current Acc Product Line - Assembly Model
Da ta en tity
Fea ture Clie nt b en efit
Ope n a cco un t
Set up overdraftfacili ty
Se t up De bitO rd er faci lity
In itiatear ra ng emen t
Pe rfo rmar ra ng emen tq ua lifica tio n
C on firmar ra ng emen t
Matc h p ro du ctcu sto mer
Ma na ge colla teral
Fea ture Clie nt b en efit
C as h d ep os its er vices
Ch eq ue de po sitse rvice s
The Product View
Current AccProduct Li ne
Current Acc Product Line - Integration Model
Cash deposit atATM
Channel
Access m echanism
Access m echanism
Cheque depositat Branch Tell er
Cheque depositat ATM
Channel
Access m echanism
Access m echanism
Cash withdrawalat Branch Tell er
Cash withdrawalat ATM
Internet
Branch Tell er
Access m echanism
Access m echanism
SST Access m echanism
Outboundpaym ent tobenefi ci ary
Outboundpaym ent to
non-benef iciary
Outboundpaym ent tobenefi ci ary
Cash deposit tocurrent accountat Branch Tell er
Branch Tell er
Channel
Channel
MarketSegm ent
Cash deposi tservi ces
Cheque deposi tservi ces
Cash wi thdrawal
Electronicpaym entservi ces
Nedbank LtdATM
Nedmat ic Card& PIN
RetailDeposi t S lip
Terms&
ConditionsAn attached
Word file.
The Channel View
Staff Assi stedChannels
On-UsChannel
On-ThemChannel
Retail BankContact Cent re
Customer Touchpoint
Channel
Cleari ng Channel
Staff AssistedChannel s
PhoneBank:Agent-assisted
Cel lphoneBanking
PhoneBank:Self-service
NetBank ForIndi viduals
SST
Nedbank LtdATM
Sel f ServiceChannels
Channels
Channels
Branch Tel ler
Branch Salesand Service
Branch Enquiries
3rd PartyChannel s
VendorHelpdesk
NetBankBusiness
BranchChannels
Homel oanOri ginator
EstateAgent
Intermedi ateBroker
Branch ForeignTel ler
Retail Cash Centre
Whol esale Cash Centre
Cash Centre
Corporate/ Business Banki ng
SalesConsul tants
ACBPayments
Corporate/ Business Banki ng
Relati onshi pManagers
Mobil eCaravan
Cash-in-transit
Pri vateBanker
NedbankCorporate Cl ient
Servi ces
Cash-acceptance-device Vendor
NedTreasuryTreasuryDealingRoom
Nedbank.co.zaor .com
NedBuzz.co.za
Nedbank BusinessCentre
Associati onNetwork
NCCC
FICAHel pdesk
InternalClearing
CorporatePaym entSystem
ElectronicPaym entSystem
Courier
CardAssociati onCall Cent re
NedExec
NedInform
On ThemLocalPOS
On UsPOS
On ThemInternat ional
POS
Card Im printer(Zip Zap)
PnP Till point
Back Offi ce
SWIFTClosed User
Group
SWIFTMem ber
Group
Sel f ServiceChannels
Saswitch ATM
Internati onal ATM
Branch Tel le rCur rent Acc
Product Line
Branch Teller - Integration Model
Product/S ervice
Set up Branch
Set up Resource
Cash depos itservices
Cheque deposi t
s ervices
Cur rent AccProduct Line
Product/S ervice
Cas h depos it to
curr ent account
a t Branch Tel le r
Reta il
Deposi t Slip
Cheque depos ita t Branch Tel le r
Reta ilDeposi t Slip
Branch Teller
Business rules
Business rules
Business rules
ObjectiveData entity
Technology
Branch Teller
Access Mechanisms hierachy
Biom etrix
AccessMechanisms
Paper basedElectronicCard
(p lastic based)Vir tual
No formal m ethodfor acces s
Physical AccessDevices
Cheque
Paper based
D epositSlip
CorporateDepos it Slip
Retail
Depos it Slip
Mzans i Money
TransferRequest Form
RSA ID
D ocum ent
RSA Passport
Paper
Application Form
Funds Transfer
Form & ID D ocum ent
Client Signature
Paper based
Application Form for R eplacement of
Dye-s tai ned
Banknotes
C ash Order/Withdrawal
Form
FICA Documents
Foreign paym entapplication form
Retail Foreign exchangeapplication form
RSA Passport& Plane ticket
Foreign Passport
RSA ID &
Signature
Cheque andCash BreakdownApplication Form
Written c lientins truction
Chequebook
Reorder Slip
Depos it BookReorder Slip
Collector's RSAID & Written client
instruction
Nedbank
Group
Nedbank Group
NedbankRetail
NedbankCorporate
Nedbank Capital
Nedbankgroup-wide
services
CEO's
Office
Group
Compliance
Group
Finance
Group
HumanResources
Group
Strategy &Corporate
Affairs
Group
Technology& Support
Services
GroupRisk
StrategicRecovery &
Turnaround Office
Nedbank
R etail
R etailC ard
Retail
H ome Loans
R etail
Pers onalLoans
R etail
Bancass urance
& Wealth
Retail
ProductSolutions
Retail
Banking
Services
Retai lStrategy
People &
Projects
Retai l
SharedServices
Nedbank Retail
Retai l
divis ion-wide
s ervices
RetailBankingServices
Reta ilBranch
PersonalBanking
Cros s-Border
Banking ServicesBusiness
Support
BankingServicesStrategy
SMECorporate Schemes
ClientServices
BankingServicesMarketing
Banking Services
HR &Com ms
Retail Banking Services
Pr ivateBanking
Retail
Branch
NedbankBranch
Old Mutual Bank
Branch
Peoples Bank Branch
Retail Branch
NedbankBranch Manager
Nedbank TeamLeader Client
Com munication
Nedbank
Banker
NedbankEnquiries Clerk
NedbankBanker Fullfilment
Nedbank
Teller
NedbankForeign Teller
NedbankSwitchboard
Operator
Nedbank
FinancialPlanner
NedbankTeleBanker
NedbankClient Lias on
Officer
Access Mechanism View Org Structure View
Current AccProduct Line
Cash depos it atATM
Cash depos it tocurrent accountat Branch Teller
Branch Teller
MarketSegment
Cash depositservices Nedbank Ltd
ATMNedmatic Card
& PIN
RetailDeposit Slip
MarketSegments
RetailMarket
Segment
LSM 9
LSM 10
Nedbank Private Banking
Nedbank Personal Banking
LSM 10
Nedbank Retail Banking
(Networks)
CorporateMarket
Segment
CorporateBanking
CapitalMarkets
PropertyFinance
Treasury
CapitalMarkets
Market Segments This model contains the master objects for the Nedbank clientstructure, i.e. market groups (e.g. Retail), client segm ents(e.g. Private), etc.
The model enables re-use of client segm ent objects, andenables users to easily navigate to the services delivered perclient segment, and the processes involved in delivering a particular service.
Business Banking
LSM 1Traditional have nots
LSM 2Self-centrednon-earner
LSM 3Traditional
rurals
LSM 4Urbanised
singles
LSM 5Young
Aspirers
LSM 6Em erging
m arket
LSM 7Established
affluents
LSM 8Progressive
affluents
Sm all BusinessServices
Non-ResidentAccounts
Staff Banking
Professional Banking
Age Gross Annual Income Required Net Investable Assets Required
Younger than 30 R 350 000 Plus None
30 - 40 R 500 000 Plus None
40 - 50 R 650 000 Plus None
50 Plus R 750 000 Plus R 1 Million
None None R 2.5 Million
*For guidance the max has been set at
R500 000 but the CG2 max. should mirror
the min. requirements for CG1
Product Minimum Requirement
Home Loans R 250 000 Plus (Single Income)
R 400 000 Plus (Joint Income)
Asset Based Finance R 150 000 Plus
Investments R 100 000 Plus (Under 55 Years)
R 200 000 Plus (Over 55 Years)
CG5 - Professional BankingRegistered professionals in any of the following professions: Law,
CG6 - Non-Resident AccountsSouth African Citizens Living Abroad
R 36 000 - R200 000
CG4 - SME Banking
Gross Annual Turnover Required
R 100 000 - R 7 500 000
R 200 000 - R 500 000*
OR
CG3 - Nedbank Retail Banking
Gross Annual Income Required
New Client Group (CG) Breakdowns
CG1 - Nedbank Private Banking
CG2 - Nedbank Personal Banking
Gross Annual Income Required
Market Segment View
deposit funds at Branch
Model architecture level: 3
Central Operations
initiate depositrequest at
Branch Teller
initiate depositcollection
transaction
clear tellertransactions in
scheduledbatch run
clear deposittransaction
Risk Management
NedbankC IT Services
Mounties
initiate depositrequest at
Branch Teller
Risk Management
teller m ixeddeposit to
CA/SA accountcompleted
WASTE delivered to
DIP/POD
teller chequedeposit to
CA/SA accountcompleted
requestfor depositreceived
payment / transfercancelled
potentialfraud identified
teller cas hdeposit to
CA/SA account completed
teller mixeddeposit to
CA/SA accountcompleted
teller chequedeposit to
CA/SA accountcompleted
payment / transfercancelled
potentialfraud identified
teller cashdeposit to
CA/SA account completed
Old Mutual BankBranch
NedbankBranch
Peoples Bank Branch
requestfor depositreceived
teller terminal initialised
initiate teller platform for processing
WholesaleProduct
Management
OnUs personal / microloans
branch teller deposit
OnUs Cardpayment by
OnUs BranchTeller deposit
deposit funds at branch
Investmentaccount BranchTeller deposit
Homeloanaccount BranchTeller deposit
Asset Financeaccount BranchTeller deposit
CA/SA accountATM
deposit
CA/SA accountCash Centre
deposit
payment instruction
sent to product systems
deposit funds at Branch
The Process / Service View
Depos it s ervices
L3 Deposit services
Int er-branch
bal ancing mustbe in itiated
These inter-branch balancing entr ies move the
value of the trans ac tion from the in itiating branch to the acc ount owner branch.
Subs idi arybalances updated
im mediatel y
A depos it s lipmus t be
complet ed
The depos it s lip represent s the c redit financial entry that must be performed to the benefic iary account.
The cheque(s) is the debit fi nanc ial ent ry to the payee ac count.
Deposit s lipmus t be veri fied
Acc ount mus thave a valid
s tatus of openaccount
Fee mustbe charged
Trans action mus t
be logged
Financials mustbe updated
Acc ount mus tbe valid
C hannelTrans ac tional
P roduct fami ly
I nput data
Output data
Output
Output
In itiate de po sit
Deposit services
Dep o sit s ervice s
Cas h de po sits ervi ces
Ch equ e d ep os itservices
Mi xe d d ep osi ts e rvices
Dep os ita ckno wled g ed
Moni tor dep os itris k
Cle ar fun dsfrom/d r a cco unt
C lear fun ds to /cracco un t
Price & BillDep os it
Pro vid e reg ula toryre por t
Po sta l Ord erde pos it se rvice s
Travel ler sChe qu e D epo sit
services
Cas h Received Cheque ReceivedMixed Deposit
Received
Initiate de posit
Dep osit initiated
Depositacknowledged
Monitor deposit
risk
Clear fundsfr om/dr acco unt
Clear funds to/craccount
P rice & BillDeposit
Dr funds cleared
Cr funds cleared
Deposit o utputcompleted
Fees u pdate d
Deposit riskmonitored
Provide reg ulator y
re por t
Regulatory reportpr oduced
Deposit services Pattern Cash deposit eEPC
Cash Received
Initiate cash
deposit
Cash Depo sit
initiate d
Externa l person
Depos itack nowledged
Monitor de posit
risk
Clear fun ds
from/ dr account
Clear fun ds to/cr
accoun t
Pri ce & Bi llDepos it
Dr funds clear ed
Cr funds clear ed
Depo sit outputcompl eted
Fees u pdated
Deposit risk
m onitored
Pro vide r egulator y
re port
Regul atory repor tprod uced
Money mustbe checked
Large depos itsmust be verified for
money laundering
L3 Cash deposit
Cash depos itservices
Channel TransactionalProduct family
Data input
D ata output
Cas h depos it tocurrent ac count
at Branch Tell er
Branch Teller
Data entity
B us ines s rules
B us ines s rules
B us ines s rules
Cash deposit to current account at Branch Teller
Data entity
deposit funds at Branch
Model archi tect ure lev el: 3
Ce ntral Opera ti o ns
i n it i ate de po si treq ue st a t
Bran ch T el l er
i ni t ia te d ep os itco l le ct io n
tran sa ct io n
c le ar tel le rtra ns act i on s in
s che du l edba tch run
cl ea r d ep os ittra ns ac ti on
Ri sk Ma nag em en t
Ne d ban kCIT Servi ce sMo u nt ie s
i ni t ia te de pos i trequ e st a t
Bran ch T el le r
Ri sk Ma nag em en t
tel le r m ix edde po si t to
CA/SA ac cou ntc om pl eted
W ASTE de li ve red to
DIP/POD
te ll e r ch eq ued ep os it to
CA/SA acc ou ntco mp le te d
re que s tfo r d ep os itrece i ved
p aym ent / t ra n sfer
ca nce ll e d
p otent i al
f rau d i den t if i ed
tel l er c as hd ep os it to
CA/SA a cco un t co mp le te d
te ll er mi xe ddep os i t to
CA/SA acc ou ntco mp le ted
tel l er ch equ ed epo si t to
CA/SA a cco un tcom pl ete d
pa yme nt / tra ns fe rcan ce ll ed
po te nt i alf raud id en ti f ie d
te ll e r c ashde po si t to
CA/SA ac cou nt com pl eted
Old Mu tu al Ba nkBran ch
Ne db an kBra nchPeoples Bank
Branch
req ue stfor de po si t
rece ive d
te ll er te rm i na l
i ni ti a li se d
i ni t ia te te ll e r pl at form for pro ce ss in g
W ho le sa lePr odu ct
Man ag em en t
OnUs p erso n al / mi crol o an s
b ranc h tel le r d ep os it
On Us Cardp ayme n t by
OnUs Bran chTe ll er de po si t
d ep os it fu nd s a t b ra n ch
Inve stme nta cco un t Bran chT el l er de pos i t
Ho me lo ana cco un t Bran chT el l er de pos i t
Asse t F in an cea cco un t Bran chT el l er de pos i t
CA/SA ac co un tATM
d ep os it
CA/SA ac cou ntCas h Cen tre
de p osi t
pa yme nt i n struct i on
se nt to p rod uct sys tems
deposit funds at Branc h
Nedbank Overview Model
Model architecture level: 1
Direction Management
S trategy
Management
Ac count ing
Management
C ontrol
Management
Market Management
MarketR es earc h
Management
Product
Managementct
GroupC ommuni cat ion
Management
Business Operat ions Management
Resource Management
Core
Bus ines sProc es ses
I nformationR es ource
Management
Financ ialR es ource
Management
FiduciaryManagement
Inf rastruct ure
Res ourc eManagement
H uman
ResourcesManagement
I nformationR es ource
Management
Financ ialR es ource
Management
C lient
R elationshipManagement
In itia te cashdeposit
Clear f undsfrom/dr cash
accoun t
Clear funds to/crtransactional
account
Price & Bill cashdeposit
L3 Cash deposit
Cas h depos itse rvices
Cas h deposit toMzansi savings
account se rvicesa t Channe l
C as h depos it toC ur rent Accoun t
s ervices atBranch Telle r
Cash depos it toa HomeLoan
account s ervic esat C hanne l
Monito r risk
Provide regula tory
report
Manage outpu t
Foreign cur rency
depos it s ervic esa t Channel
Architecture Patterns Physical Content
L4 initia te deposit request at Branch Teller
Mode l archi te ctu re l eve l: 4
P LP LP LP L
PL DR Ca s h Bal o n Te lle rTT/CC Ca s h De p
P LP LP LP L
PL DR Ca s h Ba l o n Te lle rTT/CC Mi xe d De p
t e lle r mi xe dd ep o s it to
C A/ SA ac c o un t
co mp l et e d
t e lle r c he q u ed e p o si t t o
CA/SA a c co u n t
c o mp le te d
ef fe c t t el le rd ep o s it
WASTE b a gs
re a dy f orc o ll ec ti on
re q u es t
fo r d ep o s it
re c ei ve d
c o nd u c t t el le rWASTE
cl ea n in g
t el le r
te r min a l
in it ia li se d
co m mu ni ca t e WASTE
n o t co ll ec t ed
to DIP/ POD
WASTE
n o t c o ll ec te d c o mmu n ic a te d
to DIP/ POD
p a ym en t / t ra n s fe r
ca n c e lle d
W ASTE
r e le as e
c o mmu n ic a te dt o DIP/POD
en d o fs e s si o n / d a y
r e co n c ili at io n
re q u ir ed
co u ri e r c o ll ec ti o n
o f d o c um en ts
s ch e d ul e d
p o te n tia l
f ra u d id e nt ifi e d
t e lle r c as hde p o s it to
CA/SA a c co u n t
c o mp le te d
P LP LP LP L
CR
t el le r br na c c d om b rn
R1 0 0
PL c a sh on ly c r to
cl ie n t a c co u n t
CA / SA a c c
tra n s po r t W ASTE f ro m br a nc h e s
to p ro c e ss in g
ce n tr es
P LP LP LP L
DR
R1 2 0
PL ca s h o f m ix ed drt o ca s h b a la nc e s
te ll er t er min a l
P LP LP LP L
Me mo CR
t e lle r b rna c c d om b rn
R3 0 0
PL me mo m ixe d c r
to c lie n t ac c o un t
CA / SA a c cP LP L
P LP LMe mo CR
te ll er b rna cc d o m b r n
R20 0
PL me mo c h eq u e c r
t o c lie n t ac c ou n t
CA / SA a cc
P LP LP LP L
De ta i le d
DR
1 0 0. 00
PL d r c as h b a l on t e lle rTT/CASA c as h d e p
te lle r te r min a l
c le a r te ll er
tr a ns a c tio n s ins c h ed u le d
ba t ch r u n
in it ia te t el le r p la tf o rm fo r
p r oc e s si n g
Ne d b a nk
Bra n c h
Peo p le s Ba n k
Bra n c h
Ol d Mut u al Ba nk
Bra n c h
en d t el le r
p la t fo rm s es s io n
Ne d b an k
Bra n c h
Pe o p le s Ba nk
Bra n c h
Old Mut u al Ba nk
Bra n c h
te ll e r c a s hd ep o s it
t o Ca rd a c co u n t
c om pl et e d
te ll er mi xe dd e po s it
t o Ca rd a c co u n t
c om pl e te d
te lle r c he q u ed e p os it
to Ca r d ac c o un t
c o mp le te d
au t ho r is a tio nre q u es te d f or
te lle r c as h
d ep o s it toCar d a c co u n t
au t ho r is a tio nre q ue s te d f or
t el le r mix e d
d ep o s it toCar d a c co u n t
au t ho r is a tio nre q ue s te d f or
te ll er c h eq u e
d ep o s it toCar d a cc o u nt
p ro c es s a u to ma te d
tra n s ac t io na ut h or is a tio n
o n Ca rd a c co u n t
p a ym en t
to Ca r d a cc o u ntd e cl in e d
ca s h p a yme n t
to C ar d a cc o u nta p pr o ve d
mix e d /ch e q u e
pa y me n t t o
Ca rd a c c ou n ta p pr o ve d
c l ea r in g o f
te lle r tr a ns a c tio n
s c h ed u le dre l ea s eWASTE
t o c ou r ie r
cl ea r
tr an s fe r/ p ay me n tt o CA/SA
p r o du c t l e dg e r
a ut h or is a tio nre q u es t ed f o r
te ll er c a sh
d ep o s it toCA/ SA ac c o un t
a ut h or is a tio nre q u es te d f or
t e lle r mix e d
d ep o s it toCA/ SA ac c ou n t
a ut ho r is a tio nre q u es te d f or
te ll e r c h e qu e
d ep o s it toCA/ SA ac c ou n t
de p o s it to
CA/SA a c c ou n td e cl in e d
c as h d e p os it
to CA/SA a c co u n ta p pr o ve d
mix e d/ ch e q u e
d e po s it to
CA/ SA a cc o un ta p p ro ve d
ef fe c t t el le r
d ep o s it
Ne d b an k
Bra n c h
Pe o p le s Ba nk
Bra n c h
Old Mut u al Ba nk
Bra n c h
WASTE
h a nd e d o ve r
to co u ri ers e rv ic e s
In itiat e depositreques t at
Branch Tell er
Da ta en tity
Da ta en tity
Busines s rules
Busines s rules
Branch Te ller
Initiate deposit request at Branch Teller
Level 3
Level 4
Ca sh d ep osi t tocu rre nt a ccou ntat Bran ch Telle r
Initia te d ep ositr equ es t at
Bra nch Tell er
Clea r fu ndsfro m/dr cash
a ccou nt
Cle ar fund s to /crtran sa ction al
a ccou nt
Pri ce & Bill ca shdep os it
Mon itor ris k
Provide re gu lator yrep ort
Man age ou tpu t
Cash deposit to current account at Branch Teller
FAD
FunctionTree
EpcI nvolved PartyArrangement
Invol ves es tabl is hi ng the
relat ions hip wi th the clientw ith the in tention of offer ing a por tfol io of
s ervic es t o s atis fy the cl ient's requirement s : - identi fy oppor tuni ty;
- ev aluate cl ient; - develop s ervice por tfo lio proposal ;
- negotiate s ervic e por tfo lio proposal.
Appli cationFulf ilm ent
Invol ves the end-to-end
take-on of acli ent applicat ion for a bank s ervic e of fer ing;
- compile c lient appl ication;- evaluate cli ent applic at ion;- ac tivate bank ing service;
- obt ain s ecur ity/c oll a tera l;- provide ac ces s mechani sm .
Involv ed P ar tyFulf ilm ent
Cl ient Servi cing incl udes all the s ervic ing
the bank m ust provide dur ing the life of a cli ent off ering agreement .Whil e the d iff erent activit ies may vary depending on
the produc t/c hannel being ref erenc ed, s om e or a llo f the fo llowi ng are covered in each c as e:- es t ablis h cl ient service reques t;
- es t ablis h and agree c lient ret enti on propos al;- proces s cli ent serv ice request ;- conclude client s ervice request .
Types of s ervic e reques ts :- provide in form at ion;- mainta in cl ient inf orm at ion;
- mainta in ac count;- mainta in trans action;- mainta in ac ces s mechanism ;
- mainta in channel.
Fi nancia l
Trans acti onFulf ilm ent
Invol ves the proc es s ing of fi nancia l trans ac tions(deposits , wi thdrawals , trans fers , purchases ,
cas hback , fees , in teres t, chargebac ks , and exc eptio ns )- ini tia te transac tion - clear trans ac tion
- set tle trans acti on - fina lis e cleari ng and sett lement - res olve trans ac tion exception
R el ati ons hipTermi nation
Involves the c anc ella tion and
dis ablem ent of al l products , c hannelsand CIS of the cli ent:- c ondu ct hard c ol lecti ons ;
- mainta in acc ess m ec hanis m;- c los e acc ount.
NedbankBus inessFunctions
DirectionManagem ent
Functions
Mar ketManagem ent
Functions
Busines sOperation
Managem entFunc tions
Res ourceManagem ent
Func tions
Arrangem entFunc tions
ChannelManagem ent
Func tions
Relations hipManagem ent
Func tions
Nedbank Function Hierarchy
StrategyManagem ent
Ac countingManagem ent
Contro l
Managem ent
Market Res earc hManagem ent
ProductManagem ent
GroupCom m unications
Managem ent
Inform ationResour ce
Managem ent
Appl ic ationFulfi lm ent
Involved Party
Services
Arrangement /Facility Services
FinancialTransaction
Services
InformationProvision
services
Deposit services
Withdrawalservices
Transfer services
Outbound
paymentservices
Inbound
paymentservices
Cash exchangeservices
Loanarrangement
services
Maintenanceservices
Client detailsmaintenance
services
Account detailsmaintenance
services
Accessmechanismmaintenance
services
Transaction
maintenanceservices
Investmentarrangement
services
Clientinformation
services
Account
informationservices
Accessmechanisminformation
services
Channelinformation
services
Foreign currencyinformation
services
Transactional
informationservices
Till and Cash
Reconciliationinformation
services
Currency
maintenanceservices
RiskManagementmaintenance
services
Transactionalarrangement
services
Insurance &
Assurancearrangement
services
Digitalarrangement
services
AdvisoryBroker
arrangementservices
SecuritiesTrading
arrangementservices
Work in Progress - DO NOT USE
Product andservice
information
Facilityarrangement
services
Product Accessarrangement
services
Ned bankFi nancialSe rvices
Pro duct Port fol io
Market Inst rum ents
Product Fam i ly
O ffshoreProd uct F am il y
Lendi ngProdu ct Fa m il y
D igital BankingPro duct Fam il y
CardProduct Line
In vestm entProduct Fam i ly
Tran sactio nalProd uct F am il y
Deri vat ive
Product Li ne
Nedbank Financial Serv ices Product Portfolio
Pre paidServices
Product Line
C urrent
Account ProductLi ne
Dig ital Banki ng
Product Lin e
Cli entForei gn
Currency AccountProduct Line
Hom e Loa ns
Pro duct L ine
Person al LoansPro duct L ine
Asse t F inance Loans
Pro duct L ine
Deb t C onsol ida tion
LoansPro duct L ine
Inves tm ent
Accoun tProduct Li ne
Savi ngsAcco unt
Product Li ne
Bancassuran ceProduct Fam i ly
Insu rance
Produ ct Li ne
Ass urance Produ ct Li ne
F inanci al
P lan ningProd uct L ine
Advi sory/Bro kerServi ces
Produ ct Fa m ily
O ffsh ore Inves tm ent
AccountPro duct Line
W ork In Progress
Com m erci alLoans
Pro duct L ine
Subsi dis edLoans
Pro duct L ine
MicroLo ansPro duct L ine
MarketIns trum en tsProduct Li ne
Investm ent LoansPro duct L ine
Of fshoreLoan AccountPro duct Line
Of fshore
Asset Fi nanceLoans
Pro duct Line
Cur ren t
Acco unt Pr oductLine
Nedbank Current Account Product Line
Ne dcreditT rans action
Accoun t
Nedba nk
Cur ren t Account
N-5000 Inve stmen t
Curr ent Accou ntfor Ind ividu al
Dezign Banking
Packag e
Per sona l Banking
P lans
Nedba nk Green
Affinity Cur rentAccoun t
Nedban k Spor t A ffin ity Cur rent
Acco unt
Nedba nk Arts Affinity Curre nt
Acco unt
Nedba nk Mandela
Child rens F und
Ne dbank P lans 8+
Nedba nk
Pla ns18+
Ne dbank
Pla ns 35+
Old Mutual Bank Cur ren t Account
Prim e Club Curr ent Accou nt
Nedba nk Cur ren t Account
for Busin ess
NedTru stCurr ent Accou nt
N-5 000 Investm ent Cur ren t Account
for Busin ess
Optim um Curr ent Accou nt
Cur re nt AccProd uc t Lin e
O bje ctive
Current Acc Product Line - Assembly Model
Da ta en tity
Fea ture Clie nt b en efit
Ope n a cco un t
Set up overdraftfacili ty
Se t up De bitO rd er faci lity
In itiatear ra ng emen t
Pe rfo rmar ra ng emen tq ua lifica tio n
C on firmar ra ng emen t
Matc h p ro du ctcu sto mer
Ma na ge colla teral
Fea ture Clie nt b en efit
C as h d ep os its er vices
Ch eq ue de po sitse rvice s
The Product View
Current AccProduct Li ne
Current Acc Product Line - Integration Model
Cash deposit atATM
Channel
Access m echanism
Access m echanism
Cheque depositat Branch Tell er
Cheque depositat ATM
Channel
Access m echanism
Access m echanism
Cash withdrawalat Branch Tell er
Cash withdrawalat ATM
Internet
Branch Tell er
Access m echanism
Access m echanism
SST Access m echanism
Outboundpaym ent tobenefi ci ary
Outboundpaym ent to
non-benef iciary
Outboundpaym ent tobenefi ci ary
Cash deposit tocurrent accountat Branch Tell er
Branch Tell er
Channel
Channel
MarketSegm ent
Cash deposi tservi ces
Cheque deposi tservi ces
Cash wi thdrawal
Electronicpaym entservi ces
Nedbank LtdATM
Nedmat ic Card& PIN
RetailDeposi t S lip
Terms&
ConditionsAn attached
Word file.
The Channel View
Staff AssistedChannels
On-UsChannel
On-ThemChannel
Retail BankContact Centre
Customer TouchpointChannel
Clearing Channel
Staff AssistedChannels
PhoneBank:Agent-assisted
Cel lphoneBanking
PhoneBank:Self-service
NetBank ForIndividuals
SST
Nedbank LtdATM
Sel f ServiceChannels
Channels
Channels
Branch Tel ler
Branch Salesand Service
Branch Enquiries
3rd PartyChannels
VendorHelpdesk
NetBankBusiness
BranchChannels
HomeloanOriginator
EstateAgent
IntermediateBroker
Branch ForeignTel ler
Retail Cash Centre
Wholesale Cash Centre
Cash Centre
Corporate/ Business Banking
SalesConsul tants
ACBPayments
Corporate/ Business Banking
RelationshipManagers
MobileCaravan
Cash-in-transit
PrivateBanker
NedbankCorporate Cl ient
Services
Cash-acceptance-device Vendor
NedTreasuryTreasuryDealingRoom
Nedbank.co.zaor .com
NedBuzz.co.za
Nedbank BusinessCentre
AssociationNetwork
NCCC
FICAHelpdesk
InternalClearing
CorporatePaymentSystem
ElectronicPaymentSystem
Courier
CardAssociationCall Centre
NedExec
NedInform
On ThemLocalPOS
On UsPOS
On ThemInternational
POS
Card Imprinter(Zip Zap)
PnP Tillpoint
Back Office
SWIFTClosed User
Group
SWIFTMemberGroup
Sel f ServiceChannels
Saswitch ATM
International ATM
Branch Tel le rCur rent Acc
Product Line
Branch Teller - Integration Model
Product/S ervice
Set up Branch
Set up Resource
Cash depos itservices
Cheque deposi t
s ervices
Cur rent AccProduct Line
Product/S ervice
Cas h depos it to
curr ent account
a t Branch Tel le r
Reta il
Deposi t Slip
Cheque depos ita t Branch Tel le r
Reta ilDeposi t Slip
Branch Teller
Business rules
Business rules
Business rules
ObjectiveData entity
Technology
Branch Teller
Access Mechanisms hierachy
Biom etrix
AccessMechanisms
Paper basedElectronicCard
(p lastic based)Vir tua l
No formal m ethodfor acces s
Physical AccessDevices
Cheque
Paper based
D epositSlip
CorporateDepos it Slip
Retail
Depos it Slip
Mzans i Money
TransferRequest Form
RSA ID
D ocum ent
RSA Passport
Paper
Application Form
Funds Transfer
Form & ID D ocum ent
Client Signature
Paper based
Application Form for R eplacement of
Dye-s tai ned
Banknotes
C ash Order/Withdrawal
Form
FICA Documents
Foreign paym entapplication form
Retail Foreign exchangeapplication form
RSA Passport& Plane ticket
Foreign Passport
RSA ID &
Signature
Cheque andCash BreakdownApplication Form
Written c lientins truction
Chequebook
Reorder Slip
Depos it BookReorder Slip
Collector's RSAID & Written client
instruction
Nedbank
Group
Nedbank Group
NedbankReta il
NedbankCorporate
Nedbank Capital
Nedbankgroup-wide
services
CEO's
Office
Group
Compliance
Group
Finance
Group
HumanRes ources
Group
Stra tegy &Corporate
Affairs
Group
Technology& Support
Services
GroupR isk
Stra tegicRecovery &
Turnaround Office
Nedbank
R etail
R etailC ard
Retail
H ome Loans
R etail
Pers onalLoans
R etail
Bancass urance
& Wealth
Retail
ProductSolutions
Retail
Banking
Services
Retai lStrategy
People &
Projects
Retai l
SharedServices
Nedbank Retail
Retai l
divis ion-wide
s ervices
RetailBankingServices
Reta ilBranch
PersonalBanking
Cros s-Border
Banking ServicesBusiness
Support
BankingServicesStrategy
SMECorporate Schemes
ClientServices
BankingServicesMarketing
Banking Services
HR &Com ms
Retail Banking Services
Pr ivateBanking
Retail
Branch
NedbankBranch
Old Mutual Bank
Branch
Peoples Bank Branch
Retail Branch
NedbankBranch Manager
Nedbank TeamLeader C lient
Com munication
Nedbank
Banker
NedbankEnquiries Clerk
NedbankBanker Fullfilment
Nedbank
Teller
NedbankForeign Teller
NedbankSw itchboard
Operator
Nedbank
FinancialPlanner
NedbankTeleBanker
NedbankClient Lias on
Officer
Access Mechanism View Org Structure View
Current AccProduct Line
Cash depos it atATM
Cash depos it tocurrent accountat Branch Teller
Branch Teller
MarketSegment
Cash depositservices Nedbank Ltd
ATMNedmatic Card
& PIN
RetailDeposit Slip
MarketSegments
RetailMarket
Segment
LSM 9
LSM 10
Nedbank Private Banking
Nedbank Personal Banking
LSM 10
Nedbank Retail Banking
(Networks)
CorporateMarket
Segment
CorporateBanking
CapitalMarkets
PropertyFinance
Treasury
CapitalMarkets
Market Segments This model contains the master objects for the Nedbank clientstructure, i.e. market groups (e.g. Retail), client segments(e.g. Private), etc.
The model enables re-use of client segment objects, andenables users to easily navigate to the services delivered perclient segment, and the processes involved in delivering a particular service.
Business Banking
LSM 1Traditional have nots
LSM 2Self-centrednon-earner
LSM 3Traditional
rurals
LSM 4Urbanised
singles
LSM 5Young
Aspirers
LSM 6Emerging
market
LSM 7Established
affluents
LSM 8Progressive
affluents
Small BusinessServices
Non-ResidentAccounts
Staff Banking
Professional Banking
Age Gross Annual Income Required Net Investable Assets Required
Younger than 30 R 350 000 Plus None
30 - 40 R 500 000 Plus None
40 - 50 R 650 000 Plus None
50 Plus R 750 000 Plus R 1 Million
None None R 2.5 Million
*For guidance the max has been set at
R500 000 but the CG2 max. should mirror
the min. requirements for CG1
Product Minimum Requirement
Home Loans R 250 000 Plus (Single Income)
R 400 000 Plus (Joint Income)
Asset Based Finance R 150 000 Plus
Investments R 100 000 Plus (Under 55 Years)
R 200 000 Plus (Over 55 Years)
CG5 - Professional BankingRegistered professionals in any of the following professions: Law,
CG6 - Non-Resident AccountsSouth African Citizens Living Abroad
R 36 000 - R200 000
CG4 - SME Banking
Gross Annual Turnover Required
R 100 000 - R 7 500 000
R 200 000 - R 500 000*
OR
CG3 - Nedbank Retail Banking
Gross Annual Income Required
New Client Group (CG) Breakdowns
CG1 - Nedbank Private Banking
CG2 - Nedbank Personal Banking
Gross Annual Income Required
Market Segment View
deposit funds at Branch
Model architecture level: 3
Central Operations
initiate depositrequest at
Branch Teller
initiate depositcollection
transaction
clear tellertransactions in
scheduledbatch run
clear deposittransaction
Risk Management
NedbankC IT Services
Mounties
initiate depositrequest at
Branch Teller
Risk Management
teller m ixeddeposit to
CA/SA accountcompleted
WASTE delivered to
DIP/POD
teller chequedeposit to
CA/SA accountcompleted
requestfor depositreceived
payment / transfercancelled
potentialfraud identified
teller cas hdeposit to
CA/SA account completed
teller mixeddeposit to
CA/SA accountcompleted
teller chequedeposit to
CA/SA accountcompleted
payment / transfercancelled
potentialfraud identified
teller cashdeposit to
CA/SA account completed
Old Mutual BankBranch
NedbankBranch
Peoples Bank Branch
requestfor depositreceived
teller terminal initialised
initiate teller platform for processing
WholesaleProduct
Management
OnUs personal / microloans
branch teller deposit
OnUs Cardpayment by
OnUs BranchTeller deposit
deposit funds at branch
Investmentaccount BranchTeller deposit
Homeloanaccount BranchTeller deposit
Asset Financeaccount BranchTeller deposit
CA/SA accountATM
deposit
CA/SA accountCash Centre
deposit
payment instruction
sent to product systems
deposit funds at Branch
The Process / Service View
Depos it s ervices
L3 Deposit services
Int er-branch
bal ancing mustbe in itia ted
These inter-branch balancing entr ies move the
value of the trans ac tion from the in itia ting branch to the acc ount owner branch.
Subs idi arybalances updated
im mediatel y
A depos it s lipmus t be
complet ed
The depos it s lip represent s the c redit financia l entry that must be per formed to the benefic iary account.
The cheque(s) is the debit fi nanc ia l ent ry to the payee ac count.
Deposit s lipmus t be veri fied
Acc ount mus thave a valid
s tatus of openaccount
Fee mustbe charged
Trans action mus t
be logged
Financia ls mustbe updated
Acc ount mus tbe valid
C hannelTrans ac tional
P roduct fami ly
I nput data
Output data
Output
Output
In itiate deposit
Deposit services
Deposit s ervices
Cas h deposits ervi ces
Cheque depos itservices
Mi xed deposi ts ervices
Depos itacknowledged
Moni tor depos itris k
Clear fundsfrom/dr account
C lear funds to/craccount
Price & BillDepos it
Provide regulatoryrepor t
Posta l Orderdepos it services
Travel lersCheque D eposit
services
Cas h Received Cheque ReceivedMixed Deposit
Received
Initiate de posit
Dep osit initiated
Depositacknowledged
Monitor deposit
risk
Clear fundsfr om/dr acco unt
Clear funds to/craccount
Price & BillDeposit
Dr funds cleared
Cr funds cleared
Deposit o utputcompleted
Fees u pdate d
Deposit riskmonitored
Provide reg ulator y
re por t
Regulatory reportpr oduced
Deposit se rv ices Pattern Cash deposit eEPC
Cash Received
Initiate cash
deposit
Cash Depo sit
initiate d
Externa l person
Depos itack nowledged
Monitor de posit
risk
Clear fun ds
from/ dr account
Clear fun ds to/cr
accoun t
Pri ce & Bi llDepos it
Dr funds clear ed
Cr funds clear ed
Depo sit outputcompl eted
Fees u pdated
Deposit risk
m onitored
Pro vide r egulator y
re port
Regul atory repor tprod uced
Money m us tbe c heck ed
Lar ge depos itsmus t be veri fied for
m oney laundering
L3 Cash deposit
Cash depos itservices
ChannelTrans actionalProduct fam ily
Data input
D ata output
C as h depos it tocurrent ac count
at Branch Tell er
Branch Teller
Data entity
B us ines s ru les
B us ines s ru les
B us ines s ru les
Cash deposit to current account at Branch Teller
Data entity
deposit funds at Branch
Model archi tect ure lev el: 3
Ce ntral Opera ti o ns
i n it i ate de po si treq ue st a t
Bran ch T el l er
i ni t ia te d ep os itco l le ct io n
tran sa ct io n
c le ar tel le rtra ns act i on s in
s che du l edba tch run
cl ea r d ep os ittra ns ac ti on
Ri sk Ma nag em en t
Ne d ban kCIT Servi ce sMo u nt ie s
i ni t ia te de pos i trequ e st a t
Bran ch T el le r
Ri sk Ma nag em en t
tel le r m ix edde po si t to
CA/SA ac cou ntc om pl eted
W ASTE de li ve red to
DIP/POD
te ll e r ch eq ued ep os it to
CA/SA acc ou ntco mp le te d
re que s tfo r d ep os itrece i ved
p aym ent / t ra n sfer
ca nce ll e d
p otent i al
f rau d i den t if i ed
tel l er c as hd ep os it to
CA/SA a cco un t co mp le te d
te ll er mi xe ddep os i t to
CA/SA acc ou ntco mp le ted
tel l er ch equ ed epo si t to
CA/SA a cco un tcom pl ete d
pa yme nt / tra ns fe rcan ce ll ed
po te nt i alf raud id en ti f ie d
te ll e r c ashde po si t to
CA/SA ac cou nt com pl eted
Old Mu tu al Ba nkBran ch
Ne db an kBra nchPeoples Bank
Branch
req ue stfor de po si t
rece ive d
te ll er te rm i na l
i ni ti a li se d
i ni t ia te te ll e r pl at form for pro ce ss in g
W ho le sa lePr odu ct
Man ag em en t
OnUs p erso n al / mi crol o an s
b ranc h tel le r d ep os it
On Us Cardp ayme n t by
OnUs Bran chTe ll er de po si t
d ep os it fu nd s a t b ra n ch
Inve stme nta cco un t Bran chT el l er de pos i t
Ho me lo ana cco un t Bran chT el l er de pos i t
Asse t F in an cea cco un t Bran chT el l er de pos i t
CA/SA ac co un tATM
d ep os it
CA/SA ac cou ntCas h Cen tre
de p osi t
pa yme nt i n struct i on
se nt to p rod uct sys tems
deposit funds at Branc h
Nedbank Overview Model
Model architecture le vel: 1
Direction Management
S trategy
Management
Ac count ing
Management
C ontrol
Management
Market Management
MarketR es earc h
Management
Product
Managementct
GroupC ommuni cat ion
Management
Business Operat ions Management
Resource Management
Core
Bus ines sProc es ses
I nformationR es ource
Management
Financ ialR es ource
Management
FiduciaryManagement
Inf rastruct ure
Res ourc eManagement
H uman
ResourcesManagement
I nformationR es ource
Management
Financ ialR es ource
Management
C lient
R elationshipManagement
In itia te cashdeposit
Clear f undsfrom/dr cash
account
Clear funds to/crtransactional
account
Price & Bill cashdeposit
L3 Cash deposit
Cas h depos itservices
Cas h deposit toMzansi savings
account servicesat Channel
C as h depos it toC urrent Account
s ervices atBranch Teller
Cash depos it toa HomeLoan
account s ervic esat C hannel
Monitor risk
Provide regulatory
report
Manage output
Foreign currency
depos it s ervic esat Channel
Architecture Patterns Physical Content
L 4 i n i ti a te d ep o si t re qu e st a t B ra n ch T el l er
Mode l archi te ctu re l eve l: 4
P LP LP LP L
PL DR Ca s h Bal o n Te lle rTT/CC Ca s h De p
P LP LP LP L
PL DR Ca s h Ba l o n Te lle rTT/CC Mi xe d De p
t e lle r mi xe dd ep o s it to
C A/ SA ac c o un t
co mp l et e d
t e lle r c he q u ed e p o si t t o
CA/SA a c co u n t
c o mp le te d
ef fe c t t el le rd ep o s it
WASTE b a gs
re a dy f orc o ll ec ti on
re q u es t
fo r d ep o s it
re c ei ve d
c o nd u c t t el le rWASTE
cl ea n in g
t el le r
te r min a l
in it ia li se d
co m mu ni ca t e WASTE
n o t co ll ec t ed
to DIP/ POD
WASTE
n o t c o ll ec te d c o mmu n ic a te d
to DIP/ POD
p a ym en t / t ra n s fe r
ca n c e lle d
W ASTE
r e le as e
c o mmu n ic a te dt o DIP/POD
en d o fs e s si o n / d a y
r e co n c ili at io n
re q u ir ed
co u ri e r c o ll ec ti o n
o f d o c um en ts
s ch e d ul e d
p o te n tia l
f ra u d id e nt ifi e d
t e lle r c as hde p o s it to
CA/SA a c co u n t
c o mp le te d
P LP LP LP L
CR
t el le r br na c c d om b rn
R1 0 0
PL c a sh on ly c r to
cl ie n t a c co u n t
CA / SA a c c
tra n s po r t W ASTE f ro m br a nc h e s
to p ro c e ss in g
ce n tr es
P LP LP LP L
DR
R1 2 0
PL ca s h o f m ix ed drt o ca s h b a la nc e s
te ll er t er min a l
P LP LP LP L
Me mo CR
t e lle r b rna c c d om b rn
R3 0 0
PL me mo m ixe d c r
to c lie n t ac c o un t
CA / SA a c cP LP L
P LP LMe mo CR
te ll er b rna cc d o m b r n
R20 0
PL me mo c h eq u e c r
t o c lie n t ac c ou n t
CA / SA a cc
P LP LP LP L
De ta i le d
DR
1 0 0. 00
PL d r c as h b a l on t e lle rTT/CASA c as h d e p
te lle r te r min a l
c le a r te ll er
tr a ns a c tio n s ins c h ed u le d
ba t ch r u n
in it ia te t el le r p la tf o rm fo r
p r oc e s si n g
Ne d b a nk
Bra n c h
Peo p le s Ba n k
Bra n c h
Ol d Mut u al Ba nk
Bra n c h
en d t el le r
p la t fo rm s es s io n
Ne d b an k
Bra n c h
Pe o p le s Ba nk
Bra n c h
Old Mut u al Ba nk
Bra n c h
te ll e r c a s hd ep o s it
t o Ca rd a c co u n t
c om pl et e d
te ll er mi xe dd e po s it
t o Ca rd a c co u n t
c om pl e te d
te lle r c he q u ed e p os it
to Ca r d ac c o un t
c o mp le te d
au t ho r is a tio nre q u es te d f or
te lle r c as h
d ep o s it toCar d a c co u n t
au t ho r is a tio nre q ue s te d f or
t el le r mix e d
d ep o s it toCar d a c co u n t
au t ho r is a tio nre q ue s te d f or
te ll er c h eq u e
d ep o s it toCar d a cc o u nt
p ro c es s a u to ma te d
tra n s ac t io na ut h or is a tio n
o n Ca rd a c co u n t
p a ym en t
to Ca r d a cc o u ntd e cl in e d
ca s h p a yme n t
to C ar d a cc o u nta p pr o ve d
mix e d /ch e q u e
pa y me n t t o
Ca rd a c c ou n ta p pr o ve d
c l ea r in g o f
te lle r tr a ns a c tio n
s c h ed u le dre l ea s eWASTE
t o c ou r ie r
cl ea r
tr an s fe r/ p ay me n tt o CA/SA
p r o du c t l e dg e r
a ut h or is a tio nre q u es t ed f o r
te ll er c a sh
d ep o s it toCA/ SA ac c o un t
a ut h or is a tio nre q u es te d f or
t e lle r mix e d
d ep o s it toCA/ SA ac c ou n t
a ut ho r is a tio nre q u es te d f or
te ll e r c h e qu e
d ep o s it toCA/ SA ac c ou n t
de p o s it to
CA/SA a c c ou n td e cl in e d
c as h d e p os it
to CA/SA a c co u n ta p pr o ve d
mix e d/ ch e q u e
d e po s it to
CA/ SA a cc o un ta p p ro ve d
ef fe c t t el le r
d ep o s it
Ne d b an k
Bra n c h
Pe o p le s Ba nk
Bra n c h
Old Mut u al Ba nk
Bra n c h
WASTE
h a nd e d o ve r
to co u ri ers e rv ic e s
In itiat e depositreques t at
Branch Tell er
Data entity
Data entity
Busines s rules
Busines s rules
Branch Teller
Initiate deposit request at Branch Teller
Level 3
Level 4
Cash deposi t tocurrent accountat Branch Teller
Initia te depositreques t at
Branch Tell er
Clear fundsfrom/dr cash
account
Clear funds to/crtransactional
account
Pri ce & Bill cashdepos it
Monitor ris k
Provide regulatoryreport
Manage output
Cash deposit to current account at Branch Teller
FAD
FunctionTree
EpcI nvolved PartyArrangement
Invol ves es tabl is hi ng the
relat ions hip wi th the clientw ith the in tention of offer ing a por tfol io of
s ervic es t o s atis fy the cl ient's requirement s : - identi fy oppor tuni ty;
- ev aluate cl ient; - develop s ervice por tfo lio proposal ;
- negotiate s ervic e por tfo lio proposal.
Appli cationFulf ilm ent
Invol ves the end-to-end
take-on of acli ent applicat ion for a bank s ervic e of fer ing;
- compile c lient appl ication;- evaluate cli ent applic at ion;- ac tivate bank ing service;
- obt ain s ecur ity/c oll a tera l;- provide ac ces s mechani sm .
Involv ed P ar tyFulf ilm ent
Cl ient Servi cing incl udes all the s ervic ing
the bank m ust provide dur ing the life of a cli ent off ering agreement .Whil e the d iff erent activit ies may vary depending on
the produc t/c hannel being ref erenc ed, s om e or a llo f the fo llowi ng are covered in each c as e:- es t ablis h cl ient service reques t;
- es t ablis h and agree c lient ret enti on propos al;- proces s cli ent serv ice request ;- conclude client s ervice request .
Types of s ervic e reques ts :- provide in form at ion;- mainta in cl ient inf orm at ion;
- mainta in ac count;- mainta in trans action;- mainta in ac ces s mechanism ;
- mainta in channel.
Fi nancia l
Trans acti onFulf ilm ent
Invol ves the proc es s ing of fi nancia l trans ac tions(deposits , wi thdrawals , trans fers , purchases ,
cas hback , fees , in teres t, chargebac ks , and exc eptio ns )- ini tia te transac tion - clear trans ac tion
- set tle trans acti on - fina lis e cleari ng and sett lement - res olve trans ac tion exception
R el ati ons hipTermi nation
Involves the c anc ella tion and
dis ablem ent of al l products , c hannelsand CIS of the cli ent:- c ondu ct hard c ol lecti ons ;
- mainta in acc ess m ec hanis m;- c los e acc ount.
NedbankBus inessFunctions
DirectionManagem ent
Functions
Mar ketManagem ent
Functions
Busines sOperation
Managem entFunc tions
Res ourceManagem ent
Func tions
Arrangem entFunc tions
ChannelManagem ent
Func tions
Relations hipManagem ent
Func tions
Nedbank Function Hierarchy
StrategyManagem ent
Ac countingManagem ent
Contro l
Managem ent
Market Res earc hManagem ent
ProductManagem ent
GroupCom m unications
Managem ent
Inform ationResour ce
Managem ent
Appl ic ationFulfi lm ent
Involved Party
Services
Arrangement /Facility Services
FinancialTransaction
Services
InformationProvision
services
Deposit services
Withdrawalservices
Transfer services
Outbound
paymentservices
Inbound
paymentservices
Cash exchangeservices
Loanarrangement
services
Maintenanceservices
Client detailsmaintenance
services
Account detailsmaintenance
services
Accessmechanismmaintenance
services
Transaction
maintenanceservices
Investmentarrangement
services
Clientinformation
services
Account
informationservices
Accessmechanisminformation
services
Channelinformation
services
Foreign currencyinformation
services
Transactional
informationservices
Till and Cash
Reconciliationinformation
services
Currency
maintenanceservices
RiskManagementmaintenance
services
Transactionalarrangement
services
Insurance &
Assurancearrangement
services
Digitalarrangement
services
AdvisoryBroker
arrangementservices
SecuritiesTrading
arrangementservices
Work in Progress - DO NOT USE
Product andservice
information
Facilityarrangement
services
Product Accessarrangement
services