[OR] [AmB] [E3] [CBS] [2] [DP] Payment Processing & Settlement

CBS-2 Payment Processing & Settlement

Payment Processing & Settlement is a core enabler of trust in the financial system and a foundational service for AmBank’s retail, corporate, and digital banking customers.

Any disruption to this service has immediate and wide-ranging implications for customers, merchants, counterparties, and the broader Malaysian payments ecosystem.

This chapter introduces CBS-2: Payment Processing & Settlement as a critical business service from an operational resilience perspective, recognising its high transaction volumes, real-time customer expectations, and strong interdependencies with national payment infrastructures, clearing houses, and third-party service providers.

The chapter provides a structured breakdown of detailed business processes (Sub-CBS) that collectively support end-to-end payment execution at AmBank, from payment initiation and authorisation through clearing, settlement, reconciliation, and regulatory reporting.

By decomposing the high-level service into distinct, manageable components, the chapter provides a clearer understanding of how operational risks materialise across the payment lifecycle, where vulnerabilities may arise, and how service continuity can be preserved even under severe yet plausible disruption scenarios.

Purpose of the Chapter

The purpose of this chapter is to establish a clear, process-level understanding of AmBank’s Payment Processing & Settlement service to support effective operational resilience planning.

Readers are expected to learn how a critical business service can be systematically decomposed into sub-processes that are meaningful for impact tolerance setting, dependency mapping, scenario testing, and business continuity planning.

This chapter also serves as a foundational reference for subsequent resilience assessments, ensuring that risk, technology, and operations stakeholders share a common and consistent view of what constitutes the end-to-end payment service.

Table P1: Detailed Processes for CBS-2

In conclusion, this chapter frames Payment Processing & Settlement not merely as a technical or transactional function, but as a mission-critical service whose resilience underpins customer confidence and financial stability.

By clearly defining and documenting its Sub-CBS components, AmBank is better positioned to identify critical dependencies, assess the impact of disruptions, and implement proportionate resilience measures.

This structured approach supports regulatory expectations for operational resilience and strengthens AmBank’s ability to continue delivering essential payment services during periods of stress or disruption.

Operational Resilience Framework: A Case Study of AmBank Malaysia
eBook 3: Starting Your OR Implementation
CBS-2 Payment Processing & Settlement
CBS-2 DP	CBS-2 MD	CBS-2 MPR	CBS-2 ITo	CBS-2 SuPS	CBS-2 ST

Gain Competency: For organisations looking to accelerate their journey, BCM Institute’s training and certification programs, including the OR-5000 Operational Resilience Expert Implementer course, provide in-depth insights and practical toolkits for effectively embedding this model.

 

 

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