nedbank business architecture - the open...

Group Architecture & IT Strategy

Nedbank Business

Architecture


• 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.


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


Nedbank Business Architecture Functions

High Level Design

Business Architecture Content

Frameworks & Methods

Architectural Tools

Business Architecture

Architecture

Data ArchitectureApplication ArchitectureInfrastructure 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 !!”


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)


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


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


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


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


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 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


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


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


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


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


Branch Teller

Risk Management

teller m ixeddeposit to

CA/SA accountcompleted

WASTE delivered to

DIP/POD

teller chequedeposit to


requestfor depositreceived

payment / transfercancelled

potentialfraud identified

teller cas hdeposit to

CA/SA account completed

teller mixeddeposit to






teller cashdeposit to


Old Mutual BankBranch

NedbankBranch

Peoples Bank Branch


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


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


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


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


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


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


Management


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


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



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


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


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


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


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 to

non-benef iciary


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


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


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


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


New Client Group (CG) Breakdowns

CG1 - Nedbank Private Banking

CG2 - Nedbank Personal Banking


Market Segment View



Central Operations


Branch Teller

initiate depositcollection

transaction

clear tellertransactions in

scheduledbatch run

clear deposittransaction

Risk Management

NedbankC IT Services

Mounties


Branch Teller

Risk Management

teller m ixeddeposit to


WASTE delivered to

DIP/POD






teller cas hdeposit to


teller mixeddeposit to






teller cashdeposit to


Old Mutual BankBranch

NedbankBranch

Peoples Bank Branch


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


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


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


Data entity


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


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


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


Management


Management

FiduciaryManagement

Inf rastruct ure

Res ourc eManagement

H uman

ResourcesManagement


Management


Management

C lient

R elationshipManagement

In itia te cashdeposit

Clear f undsfrom/dr cash

account


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


c om pl et e d

te ll er mi xe dd e po s it


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



t el le r mix e d



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


a ut ho r is a tio nre q u es te d f or

te ll e r c h e qu e


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


account

Pri ce & Bill cashdepos it

Monitor ris k

Provide regulatoryreport

Manage output


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