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

Written by Moh Heng Goh | Mar 10, 2026 8:21:40 AM

CBS-1 Core Deposit & Account Services

Introduction

Mapping interconnections and interdependencies for CBS-1 Core Deposit & Account Services enables China Construction Bank (Malaysia) to clearly understand the critical resources required to deliver deposit-taking, account administration, and transaction services to customers.

This Critical Business Service underpins financial stability, customer trust, liquidity management, and regulatory compliance. By systematically identifying dependencies across People, Process, Technology, and Third Parties, the Bank gains visibility over operational vulnerabilities, concentration risks, and potential single points of failure.

This structured dependency mapping supports impact tolerance setting, scenario testing, and recovery planning, aligned with operational resilience principles and Bank Negara Malaysia’s expectations.

Table P2: Detailed Processes for CBS-1

Sub-CBS Code	Sub-CBS	Dependency Type	Dependency Detail (What/Who is involved)	Connectivity (How it connects/interacts with the CBS or other components)
1.1	Account Opening & Onboarding	People	Relationship Managers (RM), Branch Officers, Customer Service Officers, Compliance Officers, AML/CFT Analysts	Capture customer data, perform due diligence, and approve account creation before activation in the Core Banking System (CBSys)
		Process	KYC, CDD/EDD, Sanctions Screening, Customer Risk Profiling	Ensures regulatory compliance before the account is created and linked to transaction modules
		Technology	Core Banking System (CBSys), eKYC platform, AML Screening System, Document Management System (DMS)	Interfaces between the onboarding front-end and CBSys to generate the account number and the customer ID
		Third Party	Credit Bureau Malaysia (CTOS/CCRIS), Sanctions List Providers, Identity Verification Vendors	Real-time API checks for identity validation and risk screening before account approval
1.2	Deposit Maintenance & Account Administration	People	Branch Operations Staff, Customer Service, Back Office Operations	Perform account updates (address change, mandate updates, signatory changes)
		Process	Change Management Controls, Dual Authorisation Controls, Data Update SOP	Ensures the integrity and accuracy of customer/account master data in CBSys
		Technology	Core Banking System, CRM System, Access Management System (IAM)	Updates customer/account master records and synchronises data across banking channels
		Third Party	National Address Database (if integrated), Regulatory Reporting Vendors	Validation of updated customer information; feeds into compliance reporting
1.3	Deposit Transactions Processing	People	Tellers, Operations Processing Team, Treasury Back Office	Execute and validate deposits, withdrawals, and internal postings
		Process	Transaction Validation, Maker-Checker Control, Cut-off Time Management	Ensures transactions are authorised and posted to the ledger within defined service levels
		Technology	Core Banking Transaction Engine, Payment Gateway, ATM/CDM Switch, Online Banking Platform	Real-time posting of transactions; integrates with payment rails and digital channels
		Third Party	RENTAS (BNM), DuitNow/PayNet, ATM Network Providers	External clearing and settlement of interbank transactions
1.4	Interest & Charges Calculation & Posting	People	Finance Team, Product Management, System Support	Define interest parameters and verify posting accuracy
		Process	Interest Computation Rules, Fee Assessment Schedule, End-of-Day (EOD) Processing	Automated batch processing calculates and posts interest/fees to customer accounts
		Technology	Core Banking Interest Module, Batch Processing Engine, GL System	Interfaces with General Ledger for financial reporting and reconciliation
		Third Party	External Auditors, Regulatory Reporting Platforms	Validation and reporting of interest expenses and fee income
1.5	Account Inquiry & Statement Services	People	Customer Service Officers, Contact Centre Staff	Respond to balance inquiries and statement requests
		Process	Data Retrieval Protocol, Privacy & PDPA Controls	Ensures customer data confidentiality and secure access
		Technology	Online Banking, Mobile Banking App, CRM, Statement Generation System	Pulls real-time data from CBSys and generates downloadable statements
		Third Party	Email/SMS Notification Providers, Print & Mail Vendors	Distribution of e-statements or physical statements to customers
1.6	Transfer & Payment Execution	People	Payment Operations Team, Treasury Team	Approve and monitor high-value transfers
		Process	Payment Authorisation Workflow, Fraud Monitoring, Transaction Limits	Ensures secure execution and compliance with BNM regulations
		Technology	Payment Hub, SWIFT Interface, RENTAS Interface, Fraud Monitoring System	Connects CBSys to domestic and international payment networks
		Third Party	SWIFT Network, PayNet (DuitNow), Correspondent Banks	Executes cross-border and domestic fund transfers
1.7	Foreign Currency Deposit Services	People	Treasury Desk, FX Operations Team	Manage FX rates and liquidity for foreign currency accounts
		Process	FX Rate Setting, Daily Revaluation, Regulatory Reporting	Supports multi-currency account maintenance and reporting
		Technology	Treasury Management System (TMS), Core Banking FX Module	Interfaces between FX rates feed and customer foreign currency accounts
		Third Party	FX Rate Data Providers (e.g., Reuters/Bloomberg), Correspondent Banks	Provides real-time FX rates and facilitates foreign currency settlement
1.8	Account Closure & Dormancy Management	People	Branch Operations, Compliance Team	Approve closures and manage dormant/unclaimed funds
		Process	Dormancy Trigger Rules, Unclaimed Monies Process (BNM/Registrar), AML Re-screening	Identifies inactive accounts and manages regulatory transfer of funds
		Technology	Core Banking Dormancy Module, Regulatory Reporting System	Flags accounts after the inactivity threshold and triggers automated workflows
		Third Party	Registrar of Unclaimed Monies (Malaysia), Regulatory Reporting Portals	Transfers unclaimed funds and submits mandatory reports

The dependency mapping of CBS-1 Core Deposit & Account Services demonstrates that the service is highly interconnected across internal operational units, core banking technologies, payment infrastructures, and external financial networks.

Disruption in any key dependency—such as the Core Banking System, payment gateways (RENTAS/DuitNow), SWIFT connectivity, FX data feeds, or regulatory reporting interfaces—could significantly impair service delivery.

By comprehensively mapping these interdependencies, China Construction Bank (Malaysia) Berhad strengthens its ability to identify vulnerabilities, prioritise resilience investments, design effective recovery strategies, and maintain continuity of essential banking services during disruptions.

This structured visibility enhances the Bank’s overall operational resilience posture while safeguarding customer confidence and regulatory compliance.

Building a Resilient Banking Institution: Operational Resilience Implementation at China Construction Bank (Malaysia)
eBook 3: Starting Your OR Implementation
CBS-1 Core Deposit & Account Services
CBS-1 DP	CBS-1 MD	CBS-1 MPR	CBS-1 ITo	CBS-1 SuPS	CBS-1 ST	eBook 2

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