---
title: [OR] [CB] [E3] [CBS] [1] [MPR] Map Processes and Resources
description: [OR] [CB] [E3] [CBS] [1] [MPR] Map Processes and Resources
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%5BMPR%5D%20Map%20Processes%20and%20Resources.jpg
---
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###### Operational Resilience Implementation at Clarien Bank: A Strategic Framework
# \[OR\] \[CB\] \[E3\] \[CBS\] \[1\] \[MPR\] Map Processes and Resources
[![\[OR\] \[CB\] ](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)
Operational resilience regulations require financial institutions to clearly understand how their critical business services (CBS) are delivered and supported. A key step in this process is mapping processes and resources, which identifies the operational components required to deliver each service and the interconnections among them.
By mapping these elements, organisations can determine potential vulnerabilities, understand dependencies, and strengthen their ability to maintain operations during disruptions.
For Clarien Bank’s CBS-1 Retail Deposit & Account Services, this mapping exercise identifies the detailed operational processes (Sub-CBS) and the supporting resources required to deliver them.
These resources include people, technology platforms, infrastructure, third-party providers, and upstream/downstream operational dependencies.
The mapping enables the bank to better understand how customer account services function end-to-end and ensures that resilience planning aligns with regulatory expectations for operational resilience.
[](https://cta-redirect.hubspot.com/cta/redirect/3893111/bf4d1338-79cc-4e63-904c-9093a2477a6d)
[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/bf4d1338-79cc-4e63-904c-9093a2477a6d)CBS-1 Retail Deposit & Account Services
[![\[OR\] \[CB\] \[E3\] \[CBS\] \[1\] \[MPR\] 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)
Operational resilience regulations require financial institutions to clearly understand how their critical business services (CBS) are delivered and supported.
A key step in this process is mapping processes and resources, which identifies the operational components required to deliver each service and the interconnections among them.
By mapping these elements, organisations can determine potential vulnerabilities, understand dependencies, and strengthen their ability to maintain operations during disruptions.
[](https://cta-redirect.hubspot.com/cta/redirect/3893111/b5438182-f1e5-4248-bea5-2d5044665d8d)[](https://cta-redirect.hubspot.com/cta/redirect/3893111/a9db1c33-736a-4cbd-ae84-4ef37c217f89)For Clarien Bank’s CBS-1 Retail Deposit & Account Services, this mapping exercise identifies the detailed operational processes (Sub-CBS) and the supporting resources required to deliver them.
These resources include people, technology platforms, infrastructure, third-party providers, and upstream/downstream operational dependencies.
The mapping enables the bank to better understand how customer account services function end-to-end and ensures that resilience planning aligns with regulatory expectations for operational resilience.
[![Banner \[Table\] \[OR\] \[E3\] Map Processes and Resources](https://no-cache.hubspot.com/cta/default/3893111/5af5497a-aa7f-41e4-b5ed-c9da8601d4ef.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/5af5497a-aa7f-41e4-b5ed-c9da8601d4ef)
Table P3: Map Processes and Resources for CBS-1
| Sub-CBS Code | Sub-CBS | Processes | People | Technology (Applications & Infrastructure) | Third-Party Vendors | Upstream / Downstream Dependencies |
| --- | --- | --- | --- | --- | --- | --- |
| 1.1 | Customer Onboarding & Account Opening | Customer application intake, document submission, and initial account request processing | Relationship Managers, Customer Service Officers, Operations Staff | Core Banking System, Customer Onboarding Platform, CRM, Document Management System | Digital onboarding vendors, identity verification partners | Upstream: Customer channels. Downstream: KYC screening and account setup |
| 1.2 | Customer Identity Verification & Compliance Screening | KYC verification, AML screening, sanctions checking | Compliance Officers, Risk & Compliance Team, Operations | AML Screening System, KYC platforms, Sanctions Screening Tools | AML data providers, regulatory databases | Upstream: Onboarding process. Downstream: Account creation approval |
| 1.3 | Account Setup & Product Configuration | Creation of account records, assignment of account type and product parameters | Operations Team, Product Management | Core Banking System, Product Configuration Modules | Core banking vendor | Upstream: KYC approval. Downstream: Deposit and transaction services |
| 1.4 | Deposit Processing (Cash, Cheque, Electronic) | Processing deposits via branches, ATM, or electronic transfers | Branch Staff, Payment Operations | Core Banking System, Payment Processing System, Cheque Clearing System | Clearing houses, correspondent banks | Upstream: Customer account activation. Downstream: Ledger update |
| 1.5 | Withdrawal & Funds Access | ATM withdrawals, branch cash withdrawals, digital withdrawals | Branch Staff, Customer Support, ATM Operations | ATM Network, Core Banking System, Digital Banking Platform | ATM service providers, payment networks | Upstream: Customer authentication. Downstream: Transaction posting |
| 1.6 | Internal & External Account Transfers | Fund transfer between accounts, interbank transfers | Payment Operations, Customer Support | Core Banking System, Payment Gateway, SWIFT / interbank networks | Payment network providers, correspondent banks | Upstream: Customer authentication. Downstream: settlement systems |
| 1.7 | Digital Banking Access Management | User registration, authentication, and credential management | IT Security Team, Digital Banking Support | Online Banking Platform, Mobile Banking App, Identity & Access Management (IAM) | Digital banking platform vendors | Upstream: Customer onboarding. Downstream: payment and transaction services |
| 1.8 | Payment & Bill Payment Processing | Processing utility payments, bill settlements, and scheduled payments | Payment Operations, Customer Service | Payment Processing Platform, Bill Payment Gateway, Core Banking System | Bill payment providers, payment networks | Upstream: Digital banking access. Downstream: transaction posting |
| 1.9 | Debit Card Issuance & Transaction Processing | Card issuance, activation, and POS transaction authorisation | Card Operations Team, Customer Support | Card Management System, ATM/POS Processing Platform | Card networks (Visa/Mastercard), card manufacturers | Upstream: Account creation. Downstream: transaction ledger updates |
| 1.10 | Account Monitoring & Fraud Detection | Monitoring transactions for fraud, risk alerts, and suspicious activity detection | Fraud Monitoring Team, Risk Management | Fraud Detection Systems, Transaction Monitoring Platforms, Analytics Engines | Fraud detection service providers | Upstream: Transaction processing. Downstream: incident management |
| 1.11 | Transaction Posting & Account Ledger Update | Posting transaction entries, balance updates, and account reconciliation | Finance Operations, IT Operations | Core Banking System, Ledger Management Systems | Core banking technology vendors | Upstream: Transaction processing systems. Downstream: statements and reporting |
| 1.12 | Customer Notification & Statement Generation | Transaction alerts, monthly statements, and account communications | Customer Service, Communications Team | Notification Platforms, Email/SMS Gateway, Statement Generation System | Communication service providers | Upstream: transaction posting. Downstream: customer communication channels |
| 1.13 | Exception Handling & Dispute Management | Handling failed transactions, disputes, and chargebacks | Customer Service, Operations, Compliance | Case Management System, Dispute Management Platform | Payment networks, dispute resolution partners | Upstream: transaction monitoring. Downstream: reconciliation and reporting |
| 1.14 | Reconciliation & Financial Control | Daily reconciliation of transactions and balances | Finance Team, Operations, Risk Management | Reconciliation Systems, Core Banking Ledger, Financial Reporting Tools | Audit firms, reconciliation software providers | Upstream: transaction ledger updates. Downstream: regulatory reporting |
| 1.15 | Regulatory Reporting & Compliance Monitoring | Reporting to regulators, compliance monitoring, and audit preparation | Compliance Team, Risk Management, Finance | Regulatory Reporting Systems, Data Analytics Platforms | Regulatory reporting vendors | Upstream: financial records. Downstream: regulatory oversight |
| 1.16 | Business Continuity & Account Services Recovery | DR activation, service recovery, continuity procedures | BCM Team, IT Infrastructure Team, Crisis Management Team | Disaster Recovery Sites, Backup Infrastructure, Incident Management Platforms | DR service providers, cloud infrastructure vendors | Upstream: resilience planning. Downstream: restoration of account services |
[![Banner \[Summing\] \[OR\] \[E3\] Map Interconnections and Interdependencies](https://no-cache.hubspot.com/cta/default/3893111/61e5330e-051c-4874-b6da-a1be8393c283.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/61e5330e-051c-4874-b6da-a1be8393c283)
Mapping processes and resources for CBS-1 Retail Deposit & Account Services provides Clarien Bank with a comprehensive view of how its retail banking operations are delivered and supported.
By identifying the processes, people, technologies, third-party providers, and operational dependencies associated with each Sub-CBS, the bank can clearly understand the end-to-end service architecture that underpins customer deposit and account services.
This mapping is a foundational component of operational resilience.
It allows Clarien Bank to identify potential points of failure, assess concentration risks, and develop targeted resilience strategies such as redundancy, contingency arrangements, and disaster recovery capabilities.
Ultimately, this structured understanding strengthens the bank’s ability to maintain critical customer banking services during operational disruptions while meeting regulatory expectations for resilience and continuity.
[![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.
| [](https://cta-redirect.hubspot.com/cta/redirect/3893111/3530eccb-515d-401e-afc2-3469e26d7fbf) | [](https://cta-redirect.hubspot.com/cta/redirect/3893111/fdd4fa9c-ed69-40c1-925f-4eb6a1c5c255) | [](https://cta-redirect.hubspot.com/cta/redirect/3893111/77a34b84-0a6d-44f8-b8d6-6ab04cdf5edd) |
| --- | --- | --- |
| [](https://cta-redirect.hubspot.com/cta/redirect/3893111/6e5c0cda-39b9-4bbd-b3d4-4cf46a790b14) | [](https://cta-redirect.hubspot.com/cta/redirect/3893111/a68a08aa-36d3-4216-9551-202c9fde06ea) | [![ \[BL-OR\] \[3-4-5\] View Schedule](https://no-cache.hubspot.com/cta/default/3893111/d0d733a1-16c0-4b68-a26d-adbfd4fc6069.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/d0d733a1-16c0-4b68-a26d-adbfd4fc6069) |
| [![\[BL-OR\] \[3\] FAQ OR-300](https://no-cache.hubspot.com/cta/default/3893111/f20c71b4-f5e8-4aa5-8056-c374ca33a091.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/f20c71b4-f5e8-4aa5-8056-c374ca33a091) | If you have any questions, click to contact us.[![Email to Sales Team \[BCM Institute\]](https://no-cache.hubspot.com/cta/default/3893111/3c53daeb-2836-4843-b0e0-645baee2ab9e.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/3c53daeb-2836-4843-b0e0-645baee2ab9e) | [](https://cta-redirect.hubspot.com/cta/redirect/3893111/7f2718a4-ea80-4f84-a319-dc2d4df37a46) |
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