[OR] [AmB] [E3] [CBS] [3] [MD] Map Dependency

CBS-3 Corporate & SME Banking

Mapping interconnections and interdependencies is a critical step in strengthening the operational resilience of CBS-3 Corporate & SME Banking at AmBank.

This critical business service underpins the Bank’s ability to support corporate and SME customers through lending, cash management, trade finance, digital platforms, advisory services, and regulatory obligations.

Any disruption across people, processes, technology, or third-party providers may have cascading effects on liquidity, credit risk, customer confidence, and regulatory compliance.

This chapter presents a structured dependency mapping for each Sub-CBS under CBS-3, identifying how internal and external dependencies interact to deliver end-to-end services.

By making these interdependencies visible, AmBank can better assess single points of failure, concentration risks, and recovery priorities, thereby supporting impact tolerance setting, scenario testing, and resilience investment decisions.

Table P2: Map Dependency for CBS-3

Sub-CBS Code	Sub-CBS	Dependency Type	Dependency Detail (What / Who is involved)	Connectivity (How it connects / interacts)
3.1	Corporate Lending	People	Relationship Managers, Credit Officers, Legal & Documentation Teams	Originate loan requests, perform credit structuring, approvals, and documentation
		Process	Loan origination, credit approval workflow, disbursement, covenant monitoring	End-to-end lending lifecycle integrated with risk and core banking systems
		Technology	Core Banking System, Credit Scoring Tools, Document Management System	Supports loan booking, limit management, and servicing
		Third Party	External valuers, legal firms, and credit bureaus	Provide collateral valuation, legal opinions, and credit data
3.2	SME Financing & SME Amplify	People	SME Relationship Managers, SME Credit Analysts, Product Specialists	Manage SME onboarding, advisory, and financing solutions
		Process	SME loan processing, government scheme participation, subsidy claims	Interfaces with internal credit, disbursement, and reporting processes
		Technology	SME Digital Platforms, Loan Origination Systems, CRM	Enables faster SME credit assessment and customer engagement
		Third Party	Government agencies, guarantee institutions, and fintech partners	Support SME schemes, guarantees, and alternative data
3.3	Cash Management & Deposits	People	Cash Management Specialists, Operations Staff, Treasury Teams	Manage account setup, liquidity, and client cash flows
		Process	Account opening, liquidity management, and deposit placement	Integrated with treasury and payments processes
		Technology	Core Banking, Cash Management Systems, SWIFT connectivity	Enables real-time balances, transaction processing
		Third Party	SWIFT, clearing banks	Facilitate interbank and cross-border transactions
3.4	Trade Finance & Supply Chain Solutions	People	Trade Operations Officers, Trade Sales Specialists	Handle LC, BG, collections, and supply chain finance
		Process	Trade documentation, compliance checks, and settlement	Interacts with payments, risk, and compliance functions
		Technology	Trade Finance Systems, Sanctions Screening Tools	Support trade processing and regulatory screening
		Third Party	Correspondent banks, insurers, logistics platforms	Enable international trade execution and risk mitigation
3.5	Digital & Online Banking Platforms	People	IT Operations, Digital Product Managers, Cybersecurity Teams	Maintain platform availability and security
		Process	System monitoring, incident management, and access control	Supports all digital corporate & SME interactions
		Technology	Internet Banking, API Gateways, Authentication Systems	Front-end channel integrated with core systems
		Third Party	Cloud providers, cybersecurity vendors	Provide hosting, resilience, and threat protection
3.6	Relationship & Advisory Services	People	Relationship Managers, Sector Specialists, Advisory Teams	Provide tailored financial advice and client management
		Process	Client engagement, portfolio review, cross-sell processes	Feeds into lending, cash management, and trade services
		Technology	CRM, Analytics Tools	Enable customer insights and service personalisation
		Third Party	Market data providers, advisory partners	Support advisory insights and benchmarking
3.7	Risk & Credit Assessment	People	Credit Risk Analysts, Risk Management Committee	Assess creditworthiness and portfolio risk
		Process	Credit policy application, stress testing, risk monitoring	Governs approval and ongoing monitoring of exposures
		Technology	Risk Management Systems, Data Warehouses	Aggregate and analyse credit and portfolio data
		Third Party	Credit bureaus, rating agencies	Supply external risk indicators
3.8	Payments & Settlement Services	People	Payments Operations, Treasury Settlement Teams	Execute and reconcile corporate & SME payments
		Process	Payment initiation, clearing, settlement, reconciliation	Integrated with cash management and trade services
		Technology	Payments Engines, RTGS, SWIFT, Core Banking	Enable domestic and cross-border settlements
		Third Party	Clearing houses, correspondent banks	Support settlement finality and liquidity
3.9	Regulatory Reporting & Compliance	People	Compliance Officers, Regulatory Reporting Teams	Ensure adherence to BNM and regulatory requirements
		Process	Data aggregation, report submission, and compliance monitoring	Receives inputs from all CBS-3 sub-services
		Technology	Regulatory Reporting Systems, GRC Platforms	Automate reporting and compliance tracking
		Third Party	Regulators, external auditors	Provide oversight, audits, and regulatory guidance
3.10	Customer Support & Service Operations	People	Contact Centre Agents, Service Operations Staff	Handle enquiries, issues, and service requests
		Process	Case management, complaint handling, service recovery	Supports customer experience across all CBS-3 services
		Technology	Contact Centre Systems, Ticketing Tools	Interface with core systems and CRM
		Third Party	Outsourced call centres, service vendors	Provide overflow and specialised support

The dependency mapping for CBS-3 Corporate & SME Banking highlights the complex and interconnected ecosystem required to deliver resilient banking services at AmBank.

By clearly identifying people, processes, technology, and third-party dependencies for each Sub-CBS, the Bank gains greater visibility over critical linkages, potential bottlenecks, and systemic vulnerabilities.

This structured mapping provides a strong foundation for severe-but-plausible scenario testing, impact tolerance calibration, and recovery planning.

Ultimately, it enables AmBank to protect customer outcomes, meet regulatory expectations, and sustain trust in its Corporate and SME banking services during periods of disruption.

Operational Resilience Framework: A Case Study of AmBank Malaysia
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Operational Resilience Framework: A Case Study of AmBank Malaysia

[OR] [AmB] [E3] [CBS] [3] [MD] Map Dependency

Operational Resilience Certified Planner-Specialist-Expert

CBS-3 Corporate & SME Banking

Table P2: Map Dependency for CBS-3

More Information About OR-5000 [OR-5] or OR-300 [OR-3]

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Operational Resilience Framework: A Case Study of AmBank Malaysia

[OR] [AmB] [E3] [CBS] [3] [MD] Map Dependency

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Operational Resilience Certified Planner-Specialist-Expert

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Table P2: Map Dependency for CBS-3

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CBS-3 Corporate & SME Banking