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CBS-5 Investment & Wealth Management
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Mapping processes and resources for Investment & Wealth Management is a foundational step in strengthening operational resilience. For AmBank, these services support clients’ financial growth, protection, and legacy planning, and any disruption can directly affect customer trust, regulatory compliance, and revenue stability.
A structured mapping of sub-CBS components to processes, people, technology, and dependencies enables clear visibility of how services are delivered end-to-end.
This chapter translates regulatory expectations on operational resilience into a practical mapping for CBS-5. By systematically identifying supporting resources and linkages, AmBank can better perform scenario testing, identify single points of failure, and prioritise resilience investments.
The mapping also supports recovery planning, third-party risk management, and impact tolerance setting.
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Table P3: Map Processes and Resources for CBS-5
|
Sub-CBS Code |
Sub-CBS |
Processes |
People |
Technology (Applications & Infrastructure) |
Third-Party Vendors |
Upstream / Downstream Dependencies |
|
5.1 |
Wealth Advisory & Financial Planning |
Client profiling (KYC & risk assessment); financial needs analysis; portfolio proposal; periodic review; suitability assessment |
Relationship Managers (RMs); Licensed Financial Planners; Compliance Officers; Product Specialists |
CRM; Financial planning tools; Risk profiling system; Document management; Secure email; Core banking; Data analytics platform |
Financial planning software providers, Market data providers |
Upstream: Customer onboarding, KYC data, product information. Downstream: Investment execution platforms, reporting systems |
|
5.2 |
Unit Trust & Fund Distribution |
Fund recommendation; order placement; subscription/redemption processing; NAV validation; disclosures |
RMs; Unit Trust Consultants; Operations processing team; Compliance |
Unit trust distribution platform; Fund order management system; Core banking; Payment gateway; Investor portal |
Fund management companies; Transfer agents; Custodians; Payment service providers |
Upstream: Client mandate, funding. Downstream: Fund houses, settlement banks, client reporting |
|
5.3 |
Fixed Income & Direct Bond/Sukuk Investments |
Product sourcing; pricing & quotation; order execution; settlement; custody coordination |
Treasury advisors; Investment counsellors; Operations; Shariah advisors (for Sukuk) |
Treasury system; Trading platform; Market data feeds; Settlement system; SWIFT connectivity |
Brokers; Custodians; Market data vendors; Settlement banks |
Upstream: Market pricing, client mandates. Downstream: Custodians, settlement systems, reporting |
|
5.4 |
Dual Currency & Structured Products |
Product structuring; client suitability checks; term sheet issuance; deal booking; maturity settlement |
Structured product specialists; Treasury; Legal; Compliance |
Structured product platform; Treasury & risk system; Pricing engines; Document management |
Product issuers; Hedging counterparties; Legal documentation vendors |
Upstream: Market rates, hedging quotes. Downstream: Settlement banks, client accounts, reporting |
|
5.5 |
Equities & Capital Markets Services |
Trade order routing; execution; clearing & settlement; corporate action processing |
Equity dealers; Trading desk; Operations; Compliance |
Online trading platform; Order Management System (OMS); Market data feeds; Clearing interfaces |
Stockbrokers; Exchanges; Clearing houses; Custodians |
Upstream: Market data, client funding. Downstream: Exchanges, clearing & settlement, client reporting |
|
5.6 |
Private Banking & High-Net-Worth Solutions |
Bespoke portfolio structuring; discretionary mandates; concierge banking; cross-border coordination |
Private bankers; Portfolio managers; Investment advisors; Compliance |
Private banking CRM; Portfolio management system; Secure client communication tools; Data analytics |
Global custodians; External asset managers; Research houses |
Upstream: Client onboarding, KYC, risk profiling. Downstream: Investment platforms, reporting, custody |
|
5.7 |
Bancassurance & Wealth Protection |
Needs analysis; product recommendation; policy issuance; premium processing; claims liaison |
Bancassurance specialists, RMs, Insurance liaison officers |
Insurance sales platform; Policy administration system; CRM; Payment systems |
Insurance companies; Takaful operators; Medical assessors |
Upstream: Client data, underwriting requirements. Downstream: Insurers, claims processing, policy servicing |
|
5.8 |
Estate & Legacy Planning (Will/Wasiat Writing) |
Estate needs assessment; will/wasiat drafting; trustee nomination; document safekeeping |
Estate planners; Legal advisors; Shariah advisors; Compliance |
Document management system; Secure storage; Client portal |
Trustee companies; Legal firms; Wasiat providers |
Upstream: Client asset information, beneficiary data. Downstream: Trustees, executors, legal processes |
|
5.9 |
Client Reporting & Compliance |
Portfolio reporting; performance statements; regulatory reporting; transaction monitoring; audit support |
Reporting team; Compliance; Risk management; Internal audit |
Reporting engines, Data warehouse, AML/CFT systems, Regulatory reporting tools |
RegTech vendors, External auditors, Data providers |
Upstream: Transaction data, market values. Downstream: Regulators, clients, management oversight |
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A comprehensive mapping of processes and resources provides AmBank with a clear, end-to-end view of how Investment & Wealth Management services are delivered and sustained. This visibility is essential for identifying concentration risks, interdependencies, and potential single points of failure across people, processes, technology, and third parties. It also enables more meaningful scenario testing, where disruption scenarios can be assessed against real operational linkages rather than theoretical assumptions.
By maintaining and regularly updating this mapping, AmBank can strengthen its ability to remain within impact tolerances during disruptions, prioritise resilience investments, and enhance cross-functional coordination. Ultimately, robust process and resource mapping support regulatory compliance while reinforcing client confidence that their wealth services remain dependable under a wide range of stress conditions.
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Gain Competency: For organisations looking to accelerate their journey, BCM Institute’s training and certification programs, including the OR-5000 Operational Resilience Expert Implementer course, provide in-depth insights and practical toolkits for effectively embedding this model.
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