[OR] [AmB] [E3] [CBS] [5] [MD] Map Dependency

CBS-5 Investment & Wealth Management

Mapping dependencies for Investment & Wealth Management is a foundational step in operational resilience because these services are highly interconnected, advisory-driven, and transaction-intensive.

Each client journey — from onboarding and advisory to execution, reporting, and legacy planning — relies on coordinated people, well-defined processes, enabling technologies, and trusted third parties.

A clear dependency map helps AmBank visualise how value is delivered to clients, where concentration risks exist, and which resources are critical to maintain service continuity during disruptions.

For CBS-5, dependency mapping also supports regulatory alignment, client protection, and reputational stability. Investment and wealth services often involve suitability assessments, fiduciary responsibilities, and cross-border instruments, making resilience not only an operational concern but also a governance priority.

The following mapping outlines key sub-services and their dependencies to support impact tolerance setting, scenario testing, and recovery planning.

Table P2: Map Dependency for CBS-5

Sub-CBS Code	Sub-CBS	Dependency Type	Dependency Detail (What/Who is involved)	Connectivity (How it connects/interacts)
5.1	Wealth Advisory & Financial Planning	People	Relationship Managers (RMs), licensed financial advisers, Shariah advisers	Direct client interaction for needs analysis, suitability assessments, and portfolio reviews
		Process	Client profiling, risk assessment, suitability checks	Inputs feed product recommendations and compliance review
		Technology	CRM systems, financial planning tools, risk profiling engines	Integrates with portfolio systems and reporting platforms
		Third Party	External research houses, market data providers	Provide market outlooks and asset allocation insights
5.2	Unit Trust & Fund Distribution	People	Unit trust consultants, sales support teams	Advise clients and process transactions
		Process	Subscription/redemption processing, fund switching	Linked to settlement and custody processes
		Technology	Fund distribution platforms, transaction processing systems	Interfaces with fund houses and registrar systems
		Third Party	Fund management companies, trustees, custodians	Enable fund creation, pricing, and safekeeping
5.3	Fixed Income & Direct Bond/Sukuk	People	Treasury specialists, investment advisers	Provide pricing and advisory
		Process	Trade execution, settlement, and valuation	Connects to treasury and custody functions
		Technology	Trading platforms, pricing engines	Real-time pricing and trade confirmation
		Third Party	Brokers, custodians, rating agencies	Market access and credit assessment
5.4	Dual Currency & Structured Products	People	Structured product specialists, treasury dealers	Structure and explain products
		Process	Product structuring, risk disclosure, approval workflow	Connects risk management and compliance
		Technology	Pricing models, scenario simulation tools	Used for payoff modelling and disclosures
		Third Party	Hedging counterparties, product issuers	Provide hedging and issuance support
5.5	Equities & Capital Markets Services	People	Dealers, remisiers, research analysts	Facilitate trading and insights
		Process	Order routing, trade settlement	Linked to exchange and clearing houses
		Technology	Online trading platforms, market data feeds	Enables real-time execution
		Third Party	Stock exchanges, clearing houses	Trade execution and settlement
5.6	Private Banking & HNW Solutions	People	Private bankers, portfolio managers	Deliver bespoke advisory
		Process	Discretionary portfolio management, credit assessments	Integrated with risk and credit units
		Technology	Portfolio management systems	Consolidated client view
		Third Party	Global product providers, family office partners	Access to exclusive investments
5.7	Bancassurance & Wealth Protection	People	Insurance specialists, RMs	Product advisory and sales
		Process	Policy issuance, claims support	Links to insurer processing
		Technology	Insurance sales platforms	Policy tracking and client records
		Third Party	Insurance companies (Takaful and conventional)	Underwriting and claims handling
5.8	Estate & Legacy Planning	People	Estate planners, legal advisers, Shariah advisers	Draft wills/wasiat and trusts
		Process	Will writing, trust setup, and executor appointment	Connects to legal and compliance functions
		Technology	Document management systems	Secure storage and retrieval
		Third Party	Law firms, trustees	Legal validation and execution
5.9	Client Reporting & Compliance	People	Compliance officers, reporting analysts	Oversight and reporting
		Process	Regulatory reporting, portfolio reporting	Feed management and regulator reports
		Technology	Reporting engines, data warehouses	Aggregate multi-system data
		Third Party	Regulators, external auditors	Oversight and assurance

A structured dependency map allows AmBank to see beyond individual products and recognise Investment & Wealth Management as an ecosystem of interconnected capabilities. When disruptions occur — whether technology outages, third-party failures, or staff unavailability — the impact rarely stays isolated. Understanding upstream and downstream dependencies enables faster prioritisation, clearer escalation paths, and more effective recovery strategies.

Ultimately, dependency mapping strengthens decision-making, improves scenario testing realism, and reinforces client trust. For a relationship-centric business like wealth management, resilience is not only about system recovery but also about maintaining advisory continuity, data integrity, and regulatory compliance. A well-maintained map ensures CBS-5 can remain reliable, compliant, and client-focused even under stress.

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Operational Resilience Framework: A Case Study of AmBank Malaysia

[OR] [AmB] [E3] [CBS] [5] [MD] Map Dependency

Operational Resilience Certified Planner-Specialist-Expert

CBS-5 Investment & Wealth Management

Table P2: Map Dependency for CBS-5

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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-5

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CBS-5 Investment & Wealth Management