---
title: [OR] [AmB] [E3] [CBS] [2] [MPR] Map Processes and Resources
description: [OR] [AmB] [E3] [CBS] [2] [MPR] Map Processes and Resources
image: https://blog.bcm-institute.org/hubfs/Ambank%20Graphic%20Folder/Ambank%20E3%20CBS%20Morepost/Ambank%20CBS%202/%5BOR%5D%20%5BAmB%5D%20%5BE3%5D%20%5BCBS%5D%20%5B2%5D%20%5BMPR%5D%20Map%20Processes%20and%20Resources.jpg
---
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###### Operational Resilience Framework: A Case Study of AmBank Malaysia
# \[OR\] \[AmB\] \[E3\] \[CBS\] \[2\] \[MPR\] Map Processes and Resources
[](https://cta-redirect.hubspot.com/cta/redirect/3893111/8d6d538b-7b42-4bf6-b355-f6178f7bc1f9)Mapping Processes and Resources is a foundational activity in operational resilience, enabling AmBank to clearly understand how its critical business services are delivered end-to-end and what resources are essential to their continuity.
For CBS-2 Payment Processing & Settlement, this mapping identifies the people, processes, technologies, third-party vendors, and interdependencies that collectively support the timely, accurate, and secure movement of funds across internal systems and external payment networks.
This chapter focuses on decomposing CBS-2 into its constituent Sub-CBS components and mapping each to its supporting resources.
### [](https://cta-redirect.hubspot.com/cta/redirect/3893111/bf4d1338-79cc-4e63-904c-9093a2477a6d)
[Moh Heng Goh](https://blog.bcm-institute.org/ebook-or/author/moh-heng-goh) Jan 29, 2026
###### Operational Resilience Certified Planner-Specialist-Expert
### [![x \[OR\] \[AmB\] Legal Disclaimer Banner](https://no-cache.hubspot.com/cta/default/3893111/c17ea734-ce39-46d1-9b00-ce39367ccfc1.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/c17ea734-ce39-46d1-9b00-ce39367ccfc1)
### [](https://cta-redirect.hubspot.com/cta/redirect/3893111/bf4d1338-79cc-4e63-904c-9093a2477a6d)**CBS-2 Payment Processing & Settlement**
[![\[OR\] \[AmB\] \[E3\] \[CBS\] \[2\] \[MPR\] Map Processes and Resources](https://no-cache.hubspot.com/cta/default/3893111/a4279493-0975-4933-87a0-6e9eb7fbe87a.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/a4279493-0975-4933-87a0-6e9eb7fbe87a)Mapping Processes and Resources is a foundational activity in operational resilience, enabling AmBank to clearly understand how its critical business services are delivered end-to-end and what resources are essential to their continuity.
For CBS-2 Payment Processing & Settlement, this mapping identifies the people, processes, technologies, third-party vendors, and interdependencies that collectively support the timely, accurate, and secure movement of funds across internal systems and external payment networks.
This chapter focuses on decomposing CBS-2 into its constituent Sub-CBS components and mapping each to its supporting resources.
In line with the principles discussed in \[OR\] \[P2-S2\] What is Mapping of Processes and Resources in Operational Resilience?, the mapping highlights single points of failure, concentration risks, and dependency chains, thereby providing a strong foundation for impact tolerance setting, scenario testing, and resilience investment decisions.
[![Banner \[Table\] \[OR\] \[E3\] Map Processes and Resources](https://no-cache.hubspot.com/cta/default/3893111/5af5497a-aa7f-41e4-b5ed-c9da8601d4ef.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/5af5497a-aa7f-41e4-b5ed-c9da8601d4ef)
###### Table P3: Map Processes and Resources for CBS-2
| Sub-CBS Code | Sub-CBS | Processes | People | Technology (Applications & Infrastructure) | Third-party Vendors | Upstream / Downstream Dependencies |
| --- | --- | --- | --- | --- | --- | --- |
| 2.1 | Payment Initiation & Capture | • Capture payment instructions (branch, ATM, online, API) • Validate payment format and mandatory fields • Timestamping and queuing | • Branch operations staff • Digital banking operations team • Payment operations officers | • Core Banking System (CBS) • Digital Banking Platform • ATM / POS Switch • API Gateway • Network & middleware | • ATM/POS service providers • Digital channel vendors | Upstream: Customer channels, merchant systems Downstream: Authorisation & Verification (2.2) |
| 2.2 | Authorisation & Verification | • Customer authentication • Funds availability check • Fraud and AML screening • Transaction approval/decline | • Fraud monitoring analysts • Risk & compliance officers • Payment operations team | • Fraud Monitoring System • AML/CFT Screening Tools • Authentication services (OTP, biometrics) • Core Banking System | • Fraud analytics vendors • Identity verification providers | Upstream: Payment Initiation & Capture (2.1) Downstream: Clearing & Message Exchange (2.3) |
| 2.3 | Clearing & Message Exchange | • Format payment messages (e.g. ISO 20022) • Route transactions to payment networks • Receive clearing confirmations | • Payments clearing specialists • IT integration support | • Payment Hub / Switch • Messaging middleware • Secure network infrastructure | • PayNet (DuitNow, IBG, RENTAS) • SWIFT | Upstream: Authorisation & Verification (2.2) Downstream: Settlement Execution (2.4) |
| 2.4 | Settlement Execution | • Debit/credit settlement accounts • Liquidity checks • Final settlement posting | • Treasury operations team • Settlement operations officers | • Core Banking System • Treasury & Liquidity Management System • Settlement accounts infrastructure | • Bank Negara Malaysia (BNM) • Correspondent banks | Upstream: Clearing & Message Exchange (2.3) Downstream: Reconciliation & Exception Handling (2.5) |
| 2.5 | Reconciliation & Exception Handling | • Match clearing vs settlement records • Identify breaks and failed transactions • Manual repair and re-processing | • Reconciliation analysts • Operations control team | • Reconciliation tools • Data warehouse • Case management system | • Reconciliation solution providers | Upstream: Settlement Execution (2.4) Downstream: Fees & Accounting Posting (2.6) |
| 2.6 | Fees, Charges & Accounting Posting | • Calculate transaction fees • Apply charges • Post GL entries • Revenue allocation | • Finance operations staff • Product control team | • Core Banking System • General Ledger (GL) • Accounting & billing systems | • Accounting software vendors | Upstream: Reconciliation & Exception Handling (2.5) Downstream: Reporting & Regulatory Compliance (2.7) |
| 2.7 | Reporting & Regulatory Compliance | • Generate regulatory reports • Transaction monitoring reports • Audit trail maintenance | • Compliance officers • Regulatory reporting analysts • Internal audit | • Regulatory reporting systems • Data analytics platforms • Secure data storage | • Regulatory reporting solution providers | Upstream: Fees & Accounting Posting (2.6) Downstream: Customer Notification & Statements (2.8) |
| 2.8 | Customer Notification & Statement Updating | • Notify customers of transaction status • Update account statements • Handle customer enquiries | • Customer service staff • Contact centre agents | • Notification engine (SMS, email, push) • CRM system • Statement generation platform | • SMS/email gateway providers • Print/mail vendors | Upstream: Reporting & Regulatory Compliance (2.7) Downstream: Customer channels, dispute resolution processes |
#### [![Banner \[Summing\] \[OR\] \[E3\] Map Interconnections and Interdependencies](https://no-cache.hubspot.com/cta/default/3893111/61e5330e-051c-4874-b6da-a1be8393c283.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/61e5330e-051c-4874-b6da-a1be8393c283)
The mapping of processes and resources for CBS-2 Payment Processing & Settlement provides AmBank with a clear, end-to-end view of how this critical service is delivered and where its key dependencies lie.
By explicitly identifying people, technologies, third-party providers, and upstream/downstream linkages for each Sub-CBS, the bank can better understand vulnerabilities such as technology concentration, reliance on external payment infrastructures, and operational handoffs between teams.
This structured mapping is a critical enabler for impact tolerance setting, scenario testing, and investment prioritisation under operational resilience frameworks.
It ensures that AmBank is well-positioned to anticipate disruptions, protect customers and financial stability, and meet regulatory expectations by maintaining the continuity of payment processing and settlement services even under severe but plausible disruption scenarios.
| 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** |
| [![\[OR\] \[AmB\] \[E3\] \[CBS\] \[2\] \[DP\] Payment Processing & Settlement](https://no-cache.hubspot.com/cta/default/3893111/0bbe79dd-ea81-45fa-b796-3a92e7155c45.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/0bbe79dd-ea81-45fa-b796-3a92e7155c45) | [![\[OR\] \[AmB\] \[E3\] \[CBS\] \[2\] \[MD\] Map Dependency](https://no-cache.hubspot.com/cta/default/3893111/b6078049-2783-48fe-a9fc-fc3793c9e39a.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/b6078049-2783-48fe-a9fc-fc3793c9e39a) | [![\[OR\] \[AmB\] \[E3\] \[CBS\] \[2\] \[MPR\] Map Processes and Resources](https://no-cache.hubspot.com/cta/default/3893111/a4279493-0975-4933-87a0-6e9eb7fbe87a.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/a4279493-0975-4933-87a0-6e9eb7fbe87a) | [![\[OR\] \[AmB\] \[E3\] \[CBS\] \[2\] \[ITo\] Establish Impact Tolerances](https://no-cache.hubspot.com/cta/default/3893111/2c158b53-1a4c-4059-85ca-241d57c8fbf2.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/2c158b53-1a4c-4059-85ca-241d57c8fbf2) | [![\[OR\] \[AmB\] \[E3\] \[CBS\] \[2\] \[SuPS\] Identify Severe but Plausible Scenarios](https://no-cache.hubspot.com/cta/default/3893111/1bbee2e0-a06b-4666-b3e6-c928eaf4a42c.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/1bbee2e0-a06b-4666-b3e6-c928eaf4a42c) | [![\[OR\] \[AmB\] \[E3\] \[CBS\] \[2\] \[ST\] Perform Scenario Testing](https://no-cache.hubspot.com/cta/default/3893111/ce8e99b8-3478-4bd9-9a77-6d1e7e2e9cbd.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/ce8e99b8-3478-4bd9-9a77-6d1e7e2e9cbd) |
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