---
title: [OR] [CB] [E3] [CBS] [1] [MD] Map Dependency
description: [OR] [CB] [E3] [CBS] [1] [MD] Map Dependency
image: https://blog.bcm-institute.org/hubfs/eBook%20Generic%20Morepost/OR/OR%20GEN%20E3%20Morepost/%5BOR%5D%20%5BGEN%5D%20%5BE3%5D%20%5BCBS%5D%20%5BMD%5D%20Map%20Dependency.jpg
---
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###### Operational Resilience Implementation at Clarien Bank: A Strategic Framework
# \[OR\] \[CB\] \[E3\] \[CBS\] \[1\] \[MD\] Map Dependency
[![\[OR\] \[CB\] ](https://no-cache.hubspot.com/cta/default/3893111/c33383cd-a572-4508-b3d7-e10db08ce094.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/c33383cd-a572-4508-b3d7-e10db08ce094)
Mapping interconnections and interdependencies is a critical step in strengthening **operational resilience** for financial institutions.
For a retail bank, the ability to deliver **Retail Deposit & Account Services** depends on a complex network of people, processes, technology platforms, and third-party service providers working seamlessly together.
Any disruption to these supporting components can affect the bank’s ability to provide essential services, including account opening, deposits, withdrawals, transfers, and customer notifications.
Therefore, identifying and documenting these dependencies enables the organisation to understand how failures may propagate across systems and business processes.
For **Clarien Bank**, the Critical Business Service **CBS-1 Retail Deposit & Account Services** supports the fundamental banking relationship between the institution and its customers.
The dependency mapping presented in this chapter highlights how each **Sub-CBS** relies on supporting resources and external parties.
This mapping aligns with operational resilience principles described in the BCM Institute guidance on **mapping interconnections and interdependencies**, allowing the bank to better manage risks, plan recovery strategies, and ensure continuity of essential banking services during disruptions.
[](https://cta-redirect.hubspot.com/cta/redirect/3893111/677f466a-109d-4603-b6e8-82e42e2f6e0b)
[Moh Heng Goh](https://blog.bcm-institute.org/ebook-or/author/moh-heng-goh) Jun 2, 2026
###### Operational Resilience Certified Planner-Specialist-Expert
### [![\[OR\] \[CB\] Legal Disclaimer Banner](https://no-cache.hubspot.com/cta/default/3893111/f01cecfa-bf90-40d0-98df-38c4f5cb9706.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/f01cecfa-bf90-40d0-98df-38c4f5cb9706)
### [](https://cta-redirect.hubspot.com/cta/redirect/3893111/677f466a-109d-4603-b6e8-82e42e2f6e0b)CBS-1 Retail Deposit & Account Services
[![\[OR\] \[CB\] \[E3\] \[CBS\] \[1\] \[MD\] Retail Deposit & Account Services](https://no-cache.hubspot.com/cta/default/3893111/f053448b-1b54-40d2-bdaf-9dfedf37efcf.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/f053448b-1b54-40d2-bdaf-9dfedf37efcf)
Mapping interconnections and interdependencies is a critical step in strengthening operational resilience for financial institutions.
For a retail bank, the ability to deliver Retail Deposit & Account Services depends on a complex network of people, processes, technology platforms, and third-party service providers working seamlessly together.
Any disruption to these supporting components can affect the bank’s ability to provide essential services, including account opening, deposits, withdrawals, transfers, and customer notifications.
Therefore, identifying and documenting these dependencies enables the organisation to understand how failures may propagate across systems and business processes.
[](https://cta-redirect.hubspot.com/cta/redirect/3893111/b5438182-f1e5-4248-bea5-2d5044665d8d)[](https://cta-redirect.hubspot.com/cta/redirect/3893111/9fb4af54-0b68-4d76-ac4b-fc34a34d4673)For Clarien Bank, the Critical Business Service CBS-1 Retail Deposit & Account Services supports the fundamental banking relationship between the institution and its customers.
The dependency mapping presented in this chapter highlights how each Sub-CBS relies on supporting resources and external parties.
This mapping aligns with operational resilience principles described in the BCM Institute guidance on mapping interconnections and interdependencies, allowing the bank to better manage risks, plan recovery strategies, and ensure continuity of essential banking services during disruptions.
[![Banner \[Table\] \[OR\] \[E3\] Map Dependency](https://no-cache.hubspot.com/cta/default/3893111/8a44ad9d-681b-48ff-90b1-b994a1c12a64.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/8a44ad9d-681b-48ff-90b1-b994a1c12a64)
Table P2: Map Dependency for CBS-1
| Sub-CBS Code | Sub-CBS | Component Dependency Type | Component Dependency Detail (What / Who is involved) | Interconnections (How it connects/interacts with CBS components) |
| --- | --- | --- | --- | --- |
| 1.1 | Customer Onboarding & Account Opening | People | Relationship managers, branch staff, and onboarding specialists | Initiate account creation requests and collect customer documentation required for account setup |
| Process | Customer onboarding workflow and KYC documentation process | Provides a structured process for collecting client information and initiating account creation | | |
| Technology | Core banking system, onboarding platform, CRM | Stores customer profile and generates new account records | | |
| Third Party | Digital identity providers, document verification vendors | Validate identity documents and customer credentials | | |
| 1.2 | Customer Identity Verification & Compliance Screening | People | Compliance officers, AML analysts | Perform oversight and investigation of flagged customer profiles |
| Process | KYC, AML screening and sanctions checks | Ensures regulatory compliance before account activation | | |
| Technology | AML screening systems, sanctions databases | Automatically screen customers against watchlists | | |
| Third Party | Global sanctions list providers, regulatory data vendors | Supply updated regulatory watchlists and risk intelligence | | |
| 1.3 | Account Setup & Product Configuration | People | Product managers, operations staff | Define product parameters and account configuration |
| Process | Product configuration and account activation workflow | Links approved customer records with deposit products | | |
| Technology | Core banking platform, product configuration module | Creates deposit accounts and applies interest structures | | |
| Third Party | Banking platform vendors | Provide system support and product configuration tools | | |
| 1.4 | Deposit Processing (Cash, Cheque, Electronic) | People | Branch tellers, operations staff | Process deposits received through physical or digital channels |
| Process | Deposit validation and clearing procedures | Ensures deposits are verified before crediting accounts | | |
| Technology | Core banking system, cheque clearing systems | Process deposits and update account balances | | |
| Third Party | Clearing houses, payment networks | Facilitate cheque and electronic clearing activities | | |
| 1.5 | Withdrawal & Funds Access | People | Branch tellers, customer service staff | Facilitate cash withdrawals and service customer requests |
| Process | Withdrawal authorization and verification procedures | Validate customer identity and transaction authorisation | | |
| Technology | Core banking system, ATM network | Enable funds withdrawal through branch or ATM channels | | |
| Third Party | ATM network operators, cash logistics providers | Provide ATM infrastructure and cash replenishment | | |
| 1.6 | Internal & External Account Transfers | People | Payment operations team | Monitor and support transfer processing |
| Process | Fund transfer authorisation and routing procedures | Initiates transfer instructions between accounts or institutions | | |
| Technology | Payment processing systems, core banking platform | Execute transfers and update account balances | | |
| Third Party | Interbank payment networks | Enable interbank transfers and settlement | | |
| 1.7 | Digital Banking Access Management | People | IT security administrators, digital banking support staff | Manage customer digital credentials and access rights |
| Process | Identity authentication and access control procedures | Ensures secure access to online and mobile banking services | | |
| Technology | Digital banking platform, identity management systems | Authenticate users and manage digital sessions | | |
| Third Party | Multi-factor authentication providers | Provide secure authentication mechanisms | | |
| 1.8 | Payment & Bill Payment Processing | People | Payment operations staff | Monitor payment processing and resolve issues |
| Process | Bill payment and transaction routing workflows | Facilitate payments to service providers and merchants | | |
| Technology | Payment gateway systems, bill payment platform | Process and route payment instructions | | |
| Third Party | Payment service providers, biller networks | Connect bank customers with billers and merchants | | |
| 1.9 | Debit Card Issuance & Transaction Processing | People | Card services team, customer support | Manage card issuance and lifecycle management |
| Process | Card issuance, activation and transaction authorisation | Enables customers to access funds using debit cards | | |
| Technology | Card management system, authorisation switch | Process card transactions and verify available balances | | |
| Third Party | Card networks (e.g., Visa/Mastercard), card personalisation vendors | Provide global card transaction processing infrastructure | | |
| 1.10 | Account Monitoring & Fraud Detection | People | Fraud monitoring analysts | Investigate suspicious activities and fraud alerts |
| Process | Transaction monitoring and fraud investigation workflow | Detect and escalate suspicious transaction patterns | | |
| Technology | Fraud monitoring systems, transaction analytics tools | Analyse transaction behaviour and generate alerts | | |
| Third Party | Fraud intelligence and analytics providers | Provide threat intelligence and monitoring capabilities | | |
| 1.11 | Transaction Posting & Account Ledger Update | People | Finance and operations teams | Ensure financial transactions are recorded accurately |
| Process | Transaction posting and reconciliation workflow | Updates customer account balances and ledgers | | |
| Technology | Core banking ledger system | Maintains official records of customer balances | | |
| Third Party | Core banking vendors | Provide system maintenance and technical support | | |
| 1.12 | Customer Notification & Statement Generation | People | Customer communications team | Manage delivery of customer notifications |
| Process | Statement generation and communication workflows | Inform customers about transactions and balances | | |
| Technology | Notification systems, statement generation platforms | Produce statements and send alerts via digital channels | | |
| Third Party | Email/SMS notification providers | Deliver notifications to customers | | |
| 1.13 | Exception Handling & Dispute Management | People | Customer service team, dispute resolution specialists | Investigate and resolve customer complaints |
| Process | Dispute investigation and escalation workflow | Manage transaction disputes and customer issues | | |
| Technology | Case management systems, transaction tracking tools | Track and manage disputes through the resolution lifecycle | | |
| Third Party | Payment networks and merchant acquirers | Assist with transaction investigation and chargebacks | | |
| 1.14 | Reconciliation & Financial Control | People | Finance operations staff | Monitor financial reconciliation and reporting |
| Process | Daily reconciliation and financial control procedures | Ensure transaction accuracy across systems | | |
| Technology | Financial reconciliation systems | Compare transaction records across platforms | | |
| Third Party | External auditors, settlement providers | Validate financial accuracy and regulatory compliance | | |
| 1.15 | Regulatory Reporting & Compliance Monitoring | People | Compliance officers and the regulatory reporting team | Prepare regulatory reports and monitor compliance obligations |
| Process | Regulatory reporting workflows and compliance monitoring | Ensure reporting to regulators meets legal requirements | | |
| Technology | Compliance monitoring tools and regulatory reporting systems | Automate regulatory data extraction and reporting | | |
| Third Party | Regulatory reporting vendors | Provide compliance reporting infrastructure | | |
| 1.16 | Business Continuity & Account Services Recovery | People | BCM team, IT recovery specialists | Coordinate recovery procedures during disruptions |
| Process | Business continuity and disaster recovery procedures | Maintain continuity of deposit and account services | | |
| Technology | Disaster recovery infrastructure, backup systems | Enable rapid restoration of core banking services | | |
| Third Party | Cloud providers, DR site operators | Provide alternate infrastructure and recovery environments | | |
[![Banner \[Summing\] \[OR\] \[E3\] Map Dependency](https://no-cache.hubspot.com/cta/default/3893111/d9c4296b-54cd-48e0-ae66-b7f4a8a03ff7.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/d9c4296b-54cd-48e0-ae66-b7f4a8a03ff7)
Mapping the interconnections and interdependencies for CBS-1 Retail Deposit & Account Services enables Clarien Bank to clearly understand how its critical retail banking services rely on a network of internal teams, operational workflows, technology platforms, and third-party providers.
This visibility helps identify potential single points of failure and highlights where resilience controls must be strengthened to ensure uninterrupted banking services.
By maintaining a comprehensive dependency map, Clarien Bank can support regulatory expectations for operational resilience, improve risk management, and enhance preparedness for disruptions such as technology outages, cyber incidents, or third-party failures.
The insights gained from this mapping also support effective scenario testing, impact tolerance analysis, and business continuity planning, ensuring that essential customer banking services remain available even under severe but plausible disruption scenarios.
[![3/4 \[OR\] \[Thin Banner\] \[CB\] Title Banner](https://no-cache.hubspot.com/cta/default/3893111/66a8fd88-7df1-4b59-81da-55a073bc382c.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/66a8fd88-7df1-4b59-81da-55a073bc382c)
| **eBook 3: Starting Your OR Implementation** | | | | | |
| --- | --- | --- | --- | --- | --- |
| **CBS-1 CBS-1 Retail Deposit & Account Services** | | | | | |
| **CBS-1 DP** | **CBS-1 MD** | **CBS-1 MPR** | **CBS-1 ITo** | **CBS-1 SbPS** | **CBS-1 ST** |
| [![\[OR\] \[CB\] \[E3\] \[CBS\] \[1\] \[DP\] Retail Deposit & Account Services](https://no-cache.hubspot.com/cta/default/3893111/12da1f7b-13f5-4a11-9612-2a33b2558131.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/12da1f7b-13f5-4a11-9612-2a33b2558131) | [![\[OR\] \[CB\] \[E3\] \[CBS\] \[1\] \[MD\] Retail Deposit & Account Services](https://no-cache.hubspot.com/cta/default/3893111/f053448b-1b54-40d2-bdaf-9dfedf37efcf.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/f053448b-1b54-40d2-bdaf-9dfedf37efcf) | [![\[OR\] \[CB\] \[E3\] \[CBS\] \[1\] \[MPR\] Retail Deposit & Account Services](https://no-cache.hubspot.com/cta/default/3893111/a7f3eed0-21d2-4c75-a2c1-66550cf8a858.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/a7f3eed0-21d2-4c75-a2c1-66550cf8a858) | [![\[OR\] \[CB\] \[E3\] \[CBS\] \[1\] \[DP\] Retail Deposit & Account Services](https://no-cache.hubspot.com/cta/default/3893111/87c14388-9f5d-4bb8-885d-28e01472997f.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/87c14388-9f5d-4bb8-885d-28e01472997f) | [![\[OR\] \[CB\] \[E3\] \[CBS\] \[1\] \[SbPS\] Retail Deposit & Account Services](https://no-cache.hubspot.com/cta/default/3893111/1c28607e-763a-4e89-b1b4-166e973303ff.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/1c28607e-763a-4e89-b1b4-166e973303ff) | [![\[OR\] \[CB\] \[E3\] \[CBS\] \[1\] \[ST\] Retail Deposit & Account Services](https://no-cache.hubspot.com/cta/default/3893111/3cd5c8c5-8a03-478b-b88d-00f7e8944d13.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/3cd5c8c5-8a03-478b-b88d-00f7e8944d13) |
[](https://cta-redirect.hubspot.com/cta/redirect/3893111/084e620a-46c5-419a-82ed-6a681d15c0b6)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.
#### More Information About OR-5000 \[OR-5\] or OR-300 \[OR-3\]
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.
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