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.
|
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.
|
Operational Resilience Framework: A Case Study of AmBank Malaysia |
|||||
| eBook 3: Starting Your OR Implementation |
|||||
| CBS-5 Investment & Wealth Management | |||||
| CBS-5 DP | CBS-5 MD | CBS-5 MPR | CBS-5 ITo | CBS-5 SuPS | CBS-5 ST |
To learn more about the course and schedule, click the buttons below for the OR-300 Operational Resilience Implementer course and the OR-5000 Operational Resilience Expert Implementer course.
|
If you have any questions, click to contact us. |
||
|
|