---
title: [OR] [CBC] [E3] [CBS] [1] [MPR] Map Processes and Resources
description: [OR] [BDO] [E3] [CBS] [1] [MPR] Map Processes and Resources
image: https://blog.bcm-institute.org/hubfs/PH%20Bank%20Graphic%20Folder/%5BPH%5D%20China%20Banking%20Corporation%20Graphic%20Folder/CBC%20CBS%201%20Morepost/%5BOR%5D%20%5BCBC%5D%20%5BPH%5D%20%5BE3%5D%20%5BCBS%5D%20%5B1%5D%20%5BMPR%5D%20Deposit%20and%20Account%20Services.jpg
---
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###### Operational Resilience in Practice: The China Bank Approach
# \[OR\] \[CBC\] \[E3\] \[CBS\] \[1\] \[MPR\] Map Processes and Resources
[![x \[OR\] \[CBC\] Title Banner](https://no-cache.hubspot.com/cta/default/3893111/2469e9c7-8c26-46be-a40f-832d893e9227.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/2469e9c7-8c26-46be-a40f-832d893e9227)[![x \[PH\] \[CBC\] Logo](https://no-cache.hubspot.com/cta/default/3893111/450424e7-f0ae-4e04-af63-6591ae4ec2a7.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/450424e7-f0ae-4e04-af63-6591ae4ec2a7)
Mapping processes and resources is a foundational requirement in operational resilience, as emphasised in the BSP Circular No. 1203 Series of 2024.
Financial institutions are required to **identify and map the resources, interconnections, and interdependencies** that support their Critical Business Services (CBS).
For CBS-1: Deposit and Account Services, this mapping ensures that China Banking Corporation (China Bank) can:
- Understand how services are delivered end-to-end
- Identify vulnerabilities across people, processes, technology, and third parties
- Enable effective disruption response and recovery
- Support impact tolerance setting and scenario testing
This chapter presents a **comprehensive mapping of processes and supporting resources** for each Sub-CBS, aligned with regulatory expectations and industry practices.
### [](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) Apr 16, 2026
###### Operational Resilience Certified Planner-Specialist-Expert
### [![x \[OR\] \[CBC\] Legal Disclaimer Banner](https://no-cache.hubspot.com/cta/default/3893111/2dcb376b-223f-4162-a06a-b8712ddcf5ff.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/2dcb376b-223f-4162-a06a-b8712ddcf5ff)
### [](https://cta-redirect.hubspot.com/cta/redirect/3893111/bf4d1338-79cc-4e63-904c-9093a2477a6d)
### **CBS-1 Deposit & Account Services**
#### **Introduction**
Mapping processes and resources is a foundational requirement in operational resilience, as emphasised in the BSP Circular No. 1203 Series of 2024. Financial institutions are required to **identify and map the resources, interconnections, and interdependencies** that support their Critical Business Services (CBS).
For CBS-1: Deposit and Account Services, this mapping ensures that China Banking Corporation (China Bank) can:
- Understand how services are delivered end-to-end
- Identify vulnerabilities across people, processes, technology, and third parties
- Enable effective disruption response and recovery
- Support impact tolerance setting and scenario testing
This chapter presents a **comprehensive mapping of processes and supporting resources** for each Sub-CBS, aligned with regulatory expectations and industry practices.
[![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-CBF Code | Sub-CBS | Processes | People | Technology (Applications & Infrastructure) | Third-Party Vendors | Upstream / Downstream Dependencies |
| --- | --- | --- | --- | --- | --- | --- |
| 1.1 | Customer Onboarding and Account Application | Account application capture, document submission, data entry | Branch staff, Relationship managers, Customer service officers | Branch systems, CRM platforms, onboarding portals, document capture tools | KYC utilities, document verification providers | Upstream: Customer data input; Downstream: KYC/CDD (1.2) |
| 1.2 | Customer Identification and Verification (KYC/CDD) | Identity verification, sanctions screening, risk profiling | Compliance officers, KYC analysts | AML systems, screening tools, biometric verification systems | Sanctions list providers (e.g., World-Check), national ID databases | Upstream: Onboarding (1.1); Downstream: Account approval (1.3) |
| 1.3 | Account Approval and Opening | Approval workflow, account creation, account number generation | Operations staff, Approving officers | Core banking system (CBS), workflow engines | None / system integrators | Upstream: KYC/CDD (1.2); Downstream: Funding (1.4) |
| 1.4 | Initial Funding and Deposit Booking | Deposit capture, transaction posting, receipt issuance | Tellers, Operations staff | Core banking system, teller systems, payment gateway | Payment networks, cash handling vendors | Upstream: Account opening (1.3); Downstream: Account maintenance (1.5) |
| 1.5 | Product Terms Setup and Account Parameter Maintenance | Interest setup, product configuration, account parameter updates | Product managers, Operations teams | Product management systems, core banking modules | IT vendors, system integrators | Upstream: Account setup; Downstream: Transactions processing (1.6) |
| 1.6 | Deposit Transactions Processing | Cash/cheque deposits, transfers, posting and settlement | Tellers, Operations staff | Core banking system, clearing systems, payment processing engines | Clearing houses, payment networks (e.g., PESONet, InstaPay) | Upstream: Account setup; Downstream: Reconciliation (1.12) |
| 1.7 | Withdrawal and Funds Access Processing | Cash withdrawal, ATM withdrawals, online transfers | Tellers, ATM support teams | ATM network, core banking system, digital banking platforms | ATM service providers, payment networks | Upstream: Account balance validation; Downstream: Fraud monitoring (1.13) |
| 1.8 | Account Servicing and Customer Maintenance | Customer updates, account modifications, inquiries handling | Customer service, Call centre agents | CRM systems, customer service platforms | Call centre outsourcing vendors | Upstream: Customer requests; Downstream: Reporting (1.10) |
| 1.9 | Interest, Fees, and Charges Processing | Interest computation, fee charging, periodic processing | Finance teams, Operations | Core banking system, batch processing systems | None / IT vendors | Upstream: Account balances; Downstream: Statements (1.10) |
| 1.10 | Statement, Passbook, and Balance Reporting | Statement generation, passbook updates, balance inquiries | Operations staff, Customer service | Reporting systems, document generation tools | Printing vendors, email/SMS providers | Upstream: Transaction records; Downstream: Customer communication |
| 1.11 | Digital Account Access and Channel Integration | Online banking, mobile access, API integrations | IT teams, Digital banking teams | Mobile banking apps, internet banking platforms, API gateways | Fintech partners, cloud providers | Upstream: Core banking data; Downstream: Fraud monitoring (1.13) |
| 1.12 | Reconciliation and Exception Management | Account reconciliation, discrepancy resolution | Finance teams, Operations | Reconciliation systems, data analytics tools | External auditors, reconciliation software vendors | Upstream: Transaction processing (1.6); Downstream: Regulatory reporting (1.14) |
| 1.13 | Fraud Detection and Transaction Monitoring | Transaction monitoring, alert handling, fraud investigation | Fraud analysts, Risk teams | Fraud management systems, AI/analytics platforms | Fraud detection vendors, data providers | Upstream: Transactions (1.6/1.7); Downstream: Incident response (1.15) |
| 1.14 | Regulatory Reporting and Compliance Monitoring | Regulatory submissions, compliance checks | Compliance officers, Risk teams | Regulatory reporting systems, GRC platforms | Regulators, compliance solution providers | Upstream: All CBS activities; Downstream: Regulatory oversight |
| 1.15 | Incident Response, Business Continuity, and Service Recovery | Incident detection, crisis management, service recovery | BCM team, IT DR teams, Crisis management team | Incident management systems, DR sites, backup infrastructure | DR service providers, cloud recovery vendors | Upstream: All CBS processes; Downstream: Service restoration |
#### **Regulatory Alignment with BSP Circular No. 1203 (2024)**
Under BSP Circular No. 1203 Series of 2024, banks are expected to:
- **Map Interdependencies**
- **Identify Critical Resources**
- **Ensure Substitutability and Resilience**
- **Support Scenario Testing and Impact Tolerance**
- **Strengthen Third-Party Risk Management**
#### [![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)
The mapping of processes and resources for CBS-1 Deposit and Account Services provides a **holistic view of how services are delivered and sustained** within China Banking Corporation (China Bank). By systematically linking processes to people, technology, third parties, and dependencies, the bank gains:
- Enhanced visibility over operational vulnerabilities
- Stronger alignment with BSP Circular No. 1203 Series of 2024 requirements
- A structured foundation for **impact tolerance setting, severe scenario identification, and scenario testing**
- Improved readiness for disruptions, ensuring continuity of critical customer services
Ultimately, this mapping is not a static exercise but a **living artefact**, continuously updated to reflect evolving risks, technologies, and regulatory expectations—ensuring that China Bank remains resilient in an increasingly complex operating environment.
[![x \[OR\] \[BDO\] Title Banner](https://no-cache.hubspot.com/cta/default/3893111/7cd9fce2-f5ee-45d0-8b58-a9d11edd3e9c.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/7cd9fce2-f5ee-45d0-8b58-a9d11edd3e9c)
| **eBook 3: Starting Your OR Implementation** | | | | | |
| --- | --- | --- | --- | --- | --- |
| **CBS-1 Deposit & Account Services** | | | | | |
| **CBS-1 DP** | **CBS-1 MD** | **CBS-1 MPR** | **CBS-1 ITo** | **CBS-1 SuPS** | **CBS-1 ST** |
| [![\[OR\] \[BDO\] \[PH\] \[E3\] \[CBS\] \[1\] \[DP\] Retail Deposit & Account Services](https://no-cache.hubspot.com/cta/default/3893111/9ecaf9a8-a1b1-4d8c-ba7e-a7f2126a3f9e.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/9ecaf9a8-a1b1-4d8c-ba7e-a7f2126a3f9e) | [![\[OR\] \[BDO\] \[PH\] \[E3\] \[CBS\] \[1\] \[MD\] Retail Deposit & Account Services](https://no-cache.hubspot.com/cta/default/3893111/cc58e114-abef-4c4c-8473-5951e6953aa9.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/cc58e114-abef-4c4c-8473-5951e6953aa9) | [![\[OR\] \[BDO\] \[PH\] \[E3\] \[CBS\] \[1\] \[MPR\] Retail Deposit & Account Services](https://no-cache.hubspot.com/cta/default/3893111/23a5f245-0677-4aea-8a05-e4ced3a69fcd.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/23a5f245-0677-4aea-8a05-e4ced3a69fcd) | [![\[OR\] \[BDO\] \[PH\] \[E3\] \[CBS\] \[1\] \[ITo\] Retail Deposit & Account Services](https://no-cache.hubspot.com/cta/default/3893111/646bc62a-7023-4544-894f-67ccff7ae379.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/646bc62a-7023-4544-894f-67ccff7ae379) | [![\[OR\] \[BDO\] \[PH\] \[E3\] \[CBS\] \[1\] \[SuPS\] Retail Deposit & Account Services](https://no-cache.hubspot.com/cta/default/3893111/67e25ae3-3c4e-48d0-b6e7-ea5718dfa802.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/67e25ae3-3c4e-48d0-b6e7-ea5718dfa802) | [![\[OR\] \[BDO\] \[PH\] \[E3\] \[CBS\] \[1\] \[ST\] Retail Deposit & Account Services](https://no-cache.hubspot.com/cta/default/3893111/e14ff2a1-48f2-4cd3-9924-d72a7bf84794.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/e14ff2a1-48f2-4cd3-9924-d72a7bf84794) |
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