[OR] [AmB] [E3] [CBS] [2] [MD] Map Dependency

CBS-2 Payment Processing & Settlement

Payment Processing & Settlement is a systemically important critical business service for AmBank, underpinning retail, corporate, and interbank financial transactions.

Mapping dependencies for CBS-2 enables the bank to identify single points of failure, concentration risks, and critical interconnections across internal functions and external ecosystems, such as payment schemes, clearinghouses, and regulators.

This exercise supports AmBank’s ability to remain within impact tolerances during operational disruptions and aligns with regulatory expectations on operational resilience.

The dependency mapping below decomposes each Sub-CBS into its people, process, technology, and third-party dependencies, showing how these components connect across the payment lifecycle—from initiation to settlement, reconciliation, and reporting.

This structured view provides a foundation for scenario testing, substitution planning, and recovery strategies.

Table P2: Map Dependency for CBS-2

Sub-CBS Code	Sub-CBS	Dependency Type	Dependency Detail (What / Who is involved)	Connectivity (How it connects / interacts)
2.1	Payment Initiation & Capture	People	Branch staff, corporate relationship managers, digital banking support teams	Capture payment instructions via branch systems, corporate portals, ATM/CDM, and digital channels
		Process	Payment instruction validation, cut-off checks, channel routing	Feeds validated instructions into authorisation and verification workflows
		Technology	Core Banking System (CBS), Internet & Mobile Banking platforms, ATM/CDM systems	Interfaces with authorisation engines and fraud monitoring systems
		Third Party	Merchant acquiring partners, billers, fintech payment initiators	External payment requests transmitted via secure APIs or payment gateways
2.2	Authorisation & Verification	People	Operations analysts, fraud risk teams, and cybersecurity analysts	Review exceptions, override decisions, and fraud alerts
		Process	AML/CFT screening, sanctions screening, transaction limit checks	Gatekeeper process before clearing and message exchange
		Technology	Fraud monitoring tools, AML systems, authentication services (OTP, biometrics)	Real-time integration with payment channels and clearing systems
		Third Party	National sanctions lists, identity verification providers	External data sources enrich authorisation decisions
2.3	Clearing & Message Exchange	People	Payment operations team, SWIFT administrators	Monitor message queues and clear statuses
		Process	Message formatting (ISO 20022), clearing cycle management	Converts authorised payments into clearing-ready messages
		Technology	SWIFT interface, RENTAS gateway, payment hub middleware	Transmits messages to domestic and cross-border clearing systems
		Third Party	Bank Negara Malaysia (RENTAS), SWIFT network, PayNet	Central clearing infrastructure for interbank payments
2.4	Settlement Execution	People	Treasury operations, liquidity management teams	Monitor settlement positions and funding sufficiency
		Process	Settlement finality checks, liquidity allocation	Executes final fund transfers between banks
		Technology	Core banking ledger, settlement accounts, treasury systems	Post settlement entries and confirm finality
		Third Party	Bank Negara Malaysia, correspondent banks	Settlement occurs via central bank or nostro/vostro accounts
2.5	Reconciliation & Exception Handling	People	Reconciliation analysts, finance operations	Investigate mismatches and resolve breaks
		Process	End-of-day reconciliation, exception management workflows	Compares internal records with clearing and settlement confirmations
		Technology	Reconciliation tools, data warehouses	Pulls transaction data from CBS, payment hubs, and clearing systems
		Third Party	Clearing houses, correspondent banks	External statements used for reconciliation matching
2.6	Fees, Charges & Accounting Posting	People	Finance team, product controllers	Review fee calculations and accounting accuracy
		Process	Fee computation, GL posting, accruals	Converts transaction activity into financial records
		Technology	General Ledger, pricing engines, and accounting modules	Automated posting linked to payment transaction IDs
		Third Party	External auditors (periodic)	Validation of accounting integrity and controls
2.7	Reporting & Regulatory Compliance	People	Compliance officers, regulatory reporting teams	Prepare and validate regulatory submissions
		Process	Regulatory reporting, management, MIS, and audit trails	Aggregates payment data for internal and external reporting
		Technology	Regulatory reporting systems, data analytics platforms	Extracts data from CBS, payment hubs, and GL systems
		Third Party	Bank Negara Malaysia, external auditors	Submission and review of regulatory reports
2.8	Customer Notification & Statement Updating	People	Customer service officers, digital support teams	Handle customer enquiries and disputes
		Process	Notification triggers, statement generation	Updates customers on payment status and balances
		Technology	SMS/email gateways, mobile app notifications, statement engines	Pulls confirmed transaction data from CBS and payment systems
		Third Party	Telecom providers, email service providers	Delivery of customer notifications

The dependency mapping for CBS-2 Payment Processing & Settlement highlights the highly interconnected and time-critical nature of payment services at AmBank.

Each Sub-CBS relies on a tightly coupled network of internal teams, core banking platforms, payment hubs, and external financial market infrastructures, making resilience dependent on both internal controls and third-party stability.

Disruption at any point—particularly in clearing, settlement, or fraud controls—can rapidly cascade across the payment value chain.

By documenting these interdependencies, AmBank is better positioned to identify critical nodes, design effective substitution and recovery strategies, and conduct meaningful scenario testing.

This mapping serves as a foundational artefact for operational resilience, supporting compliance with regulatory expectations while ensuring customers and the wider financial system continue to receive safe, timely, and reliable payment services, even under severe but plausible disruption scenarios.

Operational Resilience Framework: A Case Study of AmBank Malaysia
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CBS-2 Payment Processing & Settlement
CBS-2 DP	CBS-2 MD	CBS-2 MPR	CBS-2 ITo	CBS-2 SuPS	CBS-2 ST

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Operational Resilience Framework: A Case Study of AmBank Malaysia

[OR] [AmB] [E3] [CBS] [2] [MD] Map Dependency

Operational Resilience Certified Planner-Specialist-Expert

CBS-2 Payment Processing & Settlement

Table P2: Map Dependency for CBS-2

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Operational Resilience Framework: A Case Study of AmBank Malaysia

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Operational Resilience Certified Planner-Specialist-Expert

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Table P2: Map Dependency for CBS-2

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CBS-2 Payment Processing & Settlement