[OR] [BI] [E3] [CBS] [1] [MD] Map Dependency

CBS-1 Deposit, Savings, and Current Account Services

Introduction

Deposit and withdrawal services are among the most critical customer-facing services of Bank Islam, forming the backbone of daily retail banking operations and public confidence in the institution.

From over-the-counter cash transactions to digital and ATM-based channels, these services rely on tightly coupled interdependencies across people, processes, technology platforms, and external third parties.

Mapping these dependencies enables Bank Islam to clearly understand how disruptions propagate across channels, identify critical points of failure, and prioritise resilience investments to ensure continuity within defined impact tolerances.

This chapter presents a detailed dependency mapping for CBS-1 Deposit and Withdrawal Services, supporting effective scenario testing, resilience planning, and regulatory compliance.

Table P2: Map Dependency for CBS-1

Sub-CBS Code	Sub-CBS	Dependency Type	Dependency Detail (What / Who is involved)	Connectivity (How it connects / interacts)
1.1	Cash Deposit at Branches	People	Branch tellers, branch operations officers, and supervisors	Frontline staff initiate deposits, validate customer identity, and input transactions into core banking systems
		Process	Cash handling, KYC/AML checks, transaction posting	Manual and semi-automated workflows feed deposit data into the core banking ledger
		Technology	Core Banking System (CBS), teller systems, and cash counting machines	Teller systems interface directly with CBS to update customer balances in real time
		Third Party	Cash-in-transit (CIT) vendors, security services	Physical cash movement and vault replenishment support branch operations
1.2	Deposit via ATMs	People	ATM operations team, monitoring staff	Staff oversee ATM availability, incident handling, and reconciliation
		Process	Cash acceptance, validation, and reconciliation	ATM deposit transactions are validated and posted through automated processes
		Technology	ATMs, ATM switch, CBS, network connectivity	ATMs connect to the ATM switch, which interfaces with CBS for balance updates
		Third Party	ATM vendors, CIT providers, telecom providers	External parties maintain ATM hardware, cash replenishment, and connectivity
1.3	Online / Internet Banking Deposits	People	Digital banking support teams, IT operations	Support teams manage customer issues and system availability
		Process	Electronic funds transfer, transaction authorisation	Deposits are processed via automated digital workflows and approval rules
		Technology	Internet banking platform, CBS, and payment gateways	Digital channels integrate with CBS to reflect deposited funds
		Third Party	Payment networks, cloud service providers	External platforms enable interbank or third-party deposit funding
1.4	Cash Withdrawal at Branches	People	Branch tellers, cash custodians	Staff verify customer identity and disburse physical cash
		Process	Withdrawal authorisation, cash control, reconciliation	Approved withdrawals trigger ledger updates and cash inventory adjustments
		Technology	Teller systems, CBS, cash management tools	Teller systems post withdrawals directly to CBS
		Third Party	CIT vendors, security providers	External support ensures cash availability and secure handling
1.5	ATM Withdrawals	People	ATM operations and monitoring teams	Teams monitor uptime and respond to ATM incidents
		Process	Transaction authorisation, limits checking, and settlement	Automated processes validate funds and post withdrawals
		Technology	ATMs, ATM switch, CBS, telecom networks	Real-time connectivity ensures balance validation and posting
		Third Party	ATM network operators, telecom providers	External parties provide network access and ATM services
1.6	Online / Internet Banking Withdrawals	People	Digital banking operations, fraud monitoring staff	Teams oversee transactions and investigate exceptions
		Process	Electronic transfer processing, customer authentication	Automated workflows execute withdrawals and update balances
		Technology	Internet banking platform, CBS, and authentication systems	Systems interact to validate identity and process withdrawals
		Third Party	Payment networks, authentication service providers	External services enable secure and compliant fund transfers
1.7	Failed Deposits or Withdrawals	People	Operations support teams, customer service staff	Staff investigate failures and communicate with customers
		Process	Exception handling, reversal, and reconciliation	Failed transactions trigger recovery and correction workflows
		Technology	CBS, transaction monitoring tools, and incident management systems	Systems detect failures and support investigation and remediation
		Third Party	Payment processors, ATM vendors	External parties assist in resolving technical or network failures
1.8	Fraud Detection and Prevention	People	Fraud analysts, risk management teams	Specialists monitor alerts and take preventive actions
		Process	Transaction monitoring, escalation, and blocking	Fraud rules apply across all deposit and withdrawal channels
		Technology	Fraud monitoring systems, analytics engines, CBS	Continuous data feeds from CBS and channels enable real-time detection
		Third Party	Fraud intelligence providers, law enforcement liaison	External data and collaboration enhance fraud detection effectiveness

The dependency mapping for CBS-1 Deposit and Withdrawal Services highlights the complex web of interconnections that support Bank Islam’s ability to deliver uninterrupted access to customer funds.

Each sub-service depends on a coordinated interaction between frontline staff, operational processes, resilient technology platforms, and trusted third-party providers.

By making these dependencies explicit, Bank Islam can better assess concentration risks, design severe-but-plausible scenarios, and implement targeted resilience measures.

This structured understanding strengthens the bank’s operational resilience posture, ensuring that essential deposit and withdrawal services remain available and trustworthy even during periods of disruption.

Implementing Operational Resilience for Bank Islam: Aligning with BNM and Global Best Practices
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CBS-1 Deposit, Savings, and Current Account Services
CBS-1 DP	CBS-1 MD	CBS-1 MPR	CBS-1 ITo	CBS-1 SuPS	CBS-1 ST

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Implementing Operational Resilience for Bank Islam: Aligning with BNM and Global Best Practices

[OR] [BI] [E3] [CBS] [1] [MD] Map Dependency

Operational Resilience Certified Planner-Specialist-Expert

CBS-1 Deposit, Savings, and Current Account Services

Introduction

Table P2: Map Dependency for CBS-1

Comments:

Implementing Operational Resilience for Bank Islam: Aligning with BNM and Global Best Practices

[OR] [BI] [E3] [CBS] [1] [MD] Map Dependency

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Operational Resilience Certified Planner-Specialist-Expert

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Introduction

Table P2: Map Dependency for CBS-1

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Comments:

CBS-1 Deposit, Savings, and Current Account Services