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

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

Customer Onboarding and Account Application

People

Branch sales officers, customer service staff, account officers, operations support, and relationship managers

Initiates the deposit lifecycle by capturing customer data, product choice, and documentary requirements before KYC and approval steps.

1.1

Customer Onboarding and Account Application

Process

Customer inquiry handling, application intake, document collection, form validation, customer consent capture

Feeds complete and validated application data into KYC/CDD, account approval, and account setup activities.

1.1

Customer Onboarding and Account Application

Technology

Branch onboarding workstations, customer information capture tools, document imaging/scanning, CRM/front-end onboarding application

Connects customer-facing intake to internal records, document repositories, and downstream core banking account creation workflows.

1.1

Customer Onboarding and Account Application

Third Party

Telecom providers, ID/document verification utilities, courier/print service vendors for forms and welcome kits

Supports data transmission, document exchange, and external validation required before account opening can proceed.

1.2

Customer Identification and Verification (KYC/CDD)

People

Compliance officers, branch operations staff, AML analysts, and onboarding approvers

Validates customer identity and risk profile before DBP can legally activate the account relationship.

1.2

Customer Identification and Verification (KYC/CDD)

Process

Identity verification, sanctions/watchlist screening, customer due diligence, beneficial ownership checks, risk classification

Determines whether onboarding proceeds, escalates for enhanced due diligence, or stops for compliance reasons.

1.2

Customer Identification and Verification (KYC/CDD)

Technology

KYC/AML screening tools, sanctions filtering engine, customer master database, case management system

Interfaces with onboarding data, compliance review workflows, and account approval decisioning.

1.2

Customer Identification and Verification (KYC/CDD)

Third Party

External data providers, screening list vendors, government registries, or identity sources

Provides external reference data needed to verify identity and support AML/CFT control execution.

1.3

Account Approval and Opening

People

Branch managers, authorized approvers, operations controllers, compliance reviewers

Approves eligible applications and authorizes formal opening of deposit accounts.

1.3

Account Approval and Opening

Process

Approval workflow, maker-checker controls, account number generation, product eligibility confirmation

Converts a compliant application into an active account that can receive funds and transact.

1.3

Account Approval and Opening

Technology

Core banking system, workflow/approval engine, customer information file (CIF) platform

Connects onboarding and KYC outputs to the creation of the customer-account record in the bank’s books.

1.3

Account Approval and Opening

Third Party

Digital signature/certification utilities, archival storage vendors, and branch connectivity providers

Supports controlled approvals, secure recordkeeping, and system availability across branches.

1.4

Initial Funding and Deposit Booking

People

Tellers, branch cash custodians, operations staff, treasury/liquidity support

Handles first funding event, verifies cash/check receipt, and confirms value is booked to the new account.

1.4

Initial Funding and Deposit Booking

Process

Cash acceptance, check acceptance, deposit slip validation, transaction posting, proofing, and balancing

Establishes the opening balance and links the new account to transaction processing and ledger records.

1.4

Initial Funding and Deposit Booking

Technology

Teller application, core banking posting engine, branch cash system, and imaging for checks

Sends funded transaction data to account balances, ledger entries, and reconciliation routines.

1.4

Initial Funding and Deposit Booking

Third Party

Clearing networks for checks, armored cash/logistics support, and telecommunications providers

Supports settlement of non-cash funding items and continuity of branch-based transaction entry.

1.5

Product Terms Setup and Account Parameter Maintenance

People

Product management, deposit operations, system administrators, and branch operations

Maintain account features such as interest basis, fees, dormancy rules, transaction limits, and statement preferences.

1.5

Product Terms Setup and Account Parameter Maintenance

Process

Parameter setup, product configuration, limit maintenance, change approval, maintenance audit trail

Ensures account behavior aligns with approved product design, pricing, and regulatory requirements.

1.5

Product Terms Setup and Account Parameter Maintenance

Technology

Product parameter tables in core banking, fee engines, interest computation modules, and admin consoles

Drives downstream transaction validation, fee charging, interest accrual, and servicing rules.

1.5

Product Terms Setup and Account Parameter Maintenance

Third Party

Vendor-supported core banking modules, managed infrastructure/service support, providers

Supports stable configuration and controlled updates to product rules used across deposit operations.

1.6

Deposit Transactions Processing

People

Tellers, branch operations staff, operations center staff, supervisors

Process routine deposits, transfers, credits, and other balance-affecting entries throughout the account lifecycle.

1.6

Deposit Transactions Processing

Process

Transaction capture, posting, validation, exception routing, and end-of-day balancing

Keeps customer balances current and supports downstream reporting, reconciliation, and fraud monitoring.

1.6

Deposit Transactions Processing

Technology

Core banking transaction engine, teller systems, message/switch interfaces, database servers

Serves as the central transaction hub linking branches, digital channels, ATM/card networks, and ledger processes.

1.6

Deposit Transactions Processing

Third Party

Network carriers, payment/switching participants, infrastructure hosting or support vendors

Enables inter-system transaction routing and sustained service availability for customer deposits.

1.7

Withdrawal and Funds Access Processing

People

Tellers, ATM support teams, branch supervisors, fraud/risk monitoring staff

Authorize and fulfill customer withdrawals and access to deposit balances via branch or self-service channels.

1.7

Withdrawal and Funds Access Processing

Process

Signature/credential verification, funds availability checks, withdrawal authorization, and cash disbursement

Depends on accurate account balance, account controls, and channel authentication before funds are released.

1.7

Withdrawal and Funds Access Processing

Technology

Core banking balance engine, teller system, ATM/switch interface, authentication, and PIN services

Connects customer access channels to real-time balance validation and transaction authorization logic.

1.7

Withdrawal and Funds Access Processing

Third Party

BancNet/ATM network participants, telecom providers, ATM maintenance/cash replenishment vendors

Supports ATM availability, interbank access, and secure routing of withdrawal requests and responses.

1.8

Account Servicing and Customer Maintenance

People

Customer service staff, branch operations, contact center personnel, and account officers

Handle updates to customer profile, passbook or card requests, address changes, and service inquiries.

1.8

Account Servicing and Customer Maintenance

Process

Customer record update, mandate maintenance, replacement requests, service request fulfillment

Keeps customer and account records accurate, which affects access, statements, controls, and regulatory reporting.

1.8

Account Servicing and Customer Maintenance

Technology

CRM, customer master database, service request tracking tools, document management system

Shares updated information with core banking, channel systems, compliance tools, and reporting platforms.

1.8

Account Servicing and Customer Maintenance

Third Party

Print/mail vendors, courier services, telecom/contact center support providers

Enable fulfillment of cards, notices, statements, and customer communications.

1.9

Interest, Fees, and Charges Processing

People

Deposit operations, finance/control teams, product managers, system support personnel

Oversee correct computation and application of interest, charges, service fees, and reversals where needed.

1.9

Interest, Fees, and Charges Processing

Process

Interest accrual, capitalization, fee assessment, waiver processing, tax handling

Affects account balances, customer disclosures, profitability reporting, and complaint volumes.

1.9

Interest, Fees, and Charges Processing

Technology

Interest engine, fee table configuration, core banking batch jobs, GL interface

Connects product rules and account parameters to periodic postings and financial records.

1.9

Interest, Fees, and Charges Processing

Third Party

Vendor-supported computation modules, tax/regulatory reference data sources

Supports correct rate/tax treatment and stable execution of scheduled batch computations.

1.10

Statement, Passbook, and Balance Reporting

People

Branch staff, customer service teams, back-office reporting staff, print operations staff

Provide customers with account information, statements, passbook updates, and balance confirmations.

1.10

Statement, Passbook, and Balance Reporting

Process

Statement generation, passbook updating, balance inquiry servicing, report distribution, and archival retention

Converts transaction and balance data into customer-facing evidence of account activity and position.

1.10

Statement, Passbook, and Balance Reporting

Technology

Statement generation platform, passbook printers, online banking inquiry screens, document archive

Pulls data from core banking and makes it available to branches, customers, and dispute handling teams.

1.10

Statement, Passbook, and Balance Reporting

Third Party

Print-and-mail vendors, telecom/internet providers, archival solution providers

Supports physical and digital distribution of account information to customers.

1.11

Digital Account Access and Channel Integration

People

Digital banking support teams, IT application teams, information security teams, and service desk

Enable customers to view and use deposit accounts through online and digital banking channels.

1.11

Digital Account Access and Channel Integration

Process

Digital enrollment, credential issuance, access provisioning, login management, and interface monitoring

Links deposit accounts to DBP digital channels for inquiries, transfers, and other self-service activities.

1.11

Digital Account Access and Channel Integration

Technology

DBP EC Banking, DBP Digital Banking Portal, authentication services, API/interface middleware

Connects customer digital sessions to deposit account data, transaction functions, and monitoring tools.

1.11

Digital Account Access and Channel Integration

Third Party

Internet service providers, OTP/SMS gateway providers, managed security providers

Enable secure customer access, alerts, and availability of online banking services.

1.12

ATM and Card-Based Access Management

People

Card operations staff, ATM support teams, branch service teams, and fraud monitoring personnel

Manage card issuance, PIN handling, ATM access, replacement, and access restoration for deposit customers.

1.12

ATM and Card-Based Access Management

Process

Card issuance, PIN generation/reset, ATM access enablement, hotlisting/blocking, replacement handling

Provides physical/self-service access to deposit balances and supports withdrawal and inquiry functions.

1.12

ATM and Card-Based Access Management

Technology

Card management system, ATM switch, PIN encryption/authentication modules, ATM devices

Integrates deposit accounts with ATM network services such as cash withdrawal, balance inquiry, and fund transfer.

1.12

ATM and Card-Based Access Management

Third Party

ATM network operators, card personalization vendors, ATM hardware maintainers, cash replenishment vendors

Support end-to-end card lifecycle, ATM uptime, and network-based access to deposit accounts.

1.13

Account Reconciliation and Exception Handling

People

Reconciliation analysts, branch accountants, finance staff, operations control teams

Detect and resolve breaks between front-end transactions, account balances, suspense items, and ledger postings.

1.13

Account Reconciliation and Exception Handling

Process

Daily balancing, suspense management, unmatched item investigation, correction, and adjustment processing

Protects data integrity and confirms that CBS outputs are complete, accurate, and properly recorded.

1.13

Account Reconciliation and Exception Handling

Technology

Reconciliation tools, core banking extracts, GL interfaces, exception dashboards

Connects transaction sources, accounting records, and control reports to identify operational issues quickly.

1.13

Account Reconciliation and Exception Handling

Third Party

External clearing and settlement parties, vendor reconciliation utilities, and infrastructure support providers

Helps resolve external mismatches and maintain integrity where deposit transactions cross institutional boundaries.

1.14

Dormancy, Holds, Restrictions, and Account Control Administration

People

Branch operations, compliance staff, legal staff, and account control administrators

Apply and remove restrictions linked to inactivity, legal orders, sanctions concerns, or risk controls.

1.14

Dormancy, Holds, Restrictions, and Account Control Administration

Process

Dormancy tagging, hold placement/removal, freeze/unfreeze controls, and account status change approvals

Directly affects whether customers can transact, withdraw, or access accounts through branches and channels.

1.14

Dormancy, Holds, Restrictions, and Account Control Administration

Technology

Core banking status control tables, compliance case tools, alerts, and exception workflows

Enforces control decisions across transaction processing, withdrawals, digital access, and customer servicing.

1.14

Dormancy, Holds, Restrictions, and Account Control Administration

Third Party

Legal notice channels, external screening/data providers, service vendors supporting control communications

Supports implementation of restrictions and customer or regulator-directed account controls.

1.15

Fraud Monitoring and Transaction Surveillance for Deposit Accounts

People

Fraud analysts, AML monitoring teams, risk officers, and branch investigators

Monitor deposit-related activity for unusual, suspicious, or unauthorized behavior and coordinate response actions.

1.15

Fraud Monitoring and Transaction Surveillance for Deposit Accounts

Process

Alert generation, transaction monitoring, case investigation, escalation, blocking, or recovery action

Interfaces with transaction processing, withdrawals, digital access, dispute handling, and compliance reporting.

1.15

Fraud Monitoring and Transaction Surveillance for Deposit Accounts

Technology

Fraud monitoring tools, AML surveillance systems, case management platform, alert feeds from channels

Consumes transaction data from the branch, ATM, and digital systems and triggers control actions where needed.

1.15

Fraud Monitoring and Transaction Surveillance for Deposit Accounts

Third Party

Fraud analytics vendors, card network alerts, telecom/SMS service providers, and law enforcement coordination channels

Support detection, customer notification, and response to suspected compromise or abuse.

1.16

Complaints, Disputes, and Service Recovery

People

Customer experience teams, branch heads, contact center staff, dispute resolution teams, operations managers

Handle service complaints, failed transactions, account disputes, and customer remediation.

1.16

Complaints, Disputes, and Service Recovery

Process

Complaint intake, case logging, dispute investigation, service recovery, customer communication, closure

Feeds lessons learned back into control improvement, process redesign, and resilience enhancement.

1.16

Complaints, Disputes, and Service Recovery

Technology

Complaint management system, CRM, case workflow tool, transaction history retrieval systems

Connects customer reports with transaction evidence, account records, and resolution workflows.

1.16

Complaints, Disputes, and Service Recovery

Third Party

BSP customer assistance escalation channels, telecom/contact center providers, external dispute partners

Supports regulated complaint escalation and customer communication continuity.

1.17

Regulatory Reporting and Compliance Monitoring

People

Compliance officers, regulatory reporting teams, finance staff, operational risk teams, and internal audit liaison

Monitor adherence to deposit-related regulatory obligations and prepare required reports and management information.

1.17

Regulatory Reporting and Compliance Monitoring

Process

Regulatory reporting, compliance checks, issue escalation, control testing, and management reporting

Connects deposit operations outcomes to oversight, governance, and evidence of compliance with BSP requirements.

1.17

Regulatory Reporting and Compliance Monitoring

Technology

Regulatory reporting tools, compliance dashboards, data warehouses, and report generation engines

Aggregates account, transaction, control, and incident data into supervisory and internal governance outputs.

1.17

Regulatory Reporting and Compliance Monitoring

Third Party

Regulatory submission channels, external auditors, and compliance data providers

Support independent review, submission, and validation of regulatory and control information.

1.18

Incident Response, Business Continuity, and Recovery

People

Incident management team, business continuity coordinators, IT disaster recovery teams, crisis management team, senior management

Coordinate response to disruptions affecting deposit and account services and restore delivery within tolerance.

1.18

Incident Response, Business Continuity, and Recovery

Process

Incident detection, escalation, business continuity plan invocation, workaround execution, recovery, communications, and post-incident review

Orchestrates the recovery of all upstream and downstream dependencies needed to sustain CBS-1 during disruption.

1.18

Incident Response, Business Continuity, and Recovery

Technology

Incident management tools, DR environment, backup systems, monitoring platforms, and emergency communication tools

Supports continuity of branches, core banking, ATM, and digital channel functions when normal operations fail.

1.18

Incident Response, Business Continuity, and Recovery

Third Party

Alternate site providers, telecom and power utilities, cloud/hosting providers, ATM/card network partners, outsourced recovery support

Critical for maintaining or restoring deposit services when facilities, infrastructure, or service providers are disrupted.