[OR] [MBT] [E3] [CBS] [2] [MD] Map Dependency

CBS-2 Payments and Fund Transfers

In today’s digital banking environment, ensuring operational resilience for critical business services (CBS) such as Payments and Fund Transfers is paramount.

Mapping the dependencies of each component within CBS-2—such as transaction initiation, validation, and settlement—ensures that Metrobank can maintain continuity in service delivery even under stressful or adverse conditions.

This mapping exercise identifies the internal and external resources critical to each sub-service, enabling the bank to manage risks better, ensure compliance, and provide robust customer service.

Here is the detailed dependency mapping table for CBS-2 Payments and Fund Transfers at Metrobank:

Table P2: Map Dependency for CBS-2

Sub-CBS Code	Sub-CBS	Dependency Type	Dependency Detail	Connectivity
2.1	Transaction Initiation	Technology	Core Banking System (CBS), Payment Gateway, Mobile App/Website	Transaction initiation relies on the CBS for processing and validation, and on the Payment Gateway for initiating interbank transfers.
2.2	Transaction Validation	Technology	CBS, Fraud Detection System	Validation is done by the CBS, supported by the Fraud Detection System, to ensure security and compliance.
2.3	Transaction Authorisation	Technology/People	CBS, Customer Service Representatives, Authentication Systems	Authorisation depends on CBS for execution and customer-facing services, as well as user confirmation and authentication systems, such as OTP or biometrics.
2.4	Transaction Settlement	Technology	Payment Network Providers (e.g., Visa, Mastercard), CBS	Settlement is connected to CBS and third-party payment networks for the successful execution of fund transfers.
2.5	Reconciliation	Process/Technology	CBS, Accounting Systems, Reports	Reconciliation involves CBS to check transaction status and accounting systems for accurate record-keeping and reporting.
2.6	Dispute Resolution	People/Process	Customer Service, CBS, Dispute Management System	Dispute resolution requires human involvement for customer service and process flow management within CBS.
2.7	Compliance and Reporting	Process/Technology	Regulatory Bodies, Compliance Systems, CBS	Compliance involves regular reporting to regulatory bodies, with the CBS providing transaction data to the compliance systems.
2.8	System Maintenance and Monitoring	Technology/People	IT Department, CBS, Monitoring Tools	Continuous system monitoring and scheduled maintenance involve IT teams, CBS infrastructure, and monitoring tools for performance checks and issue identification.

The comprehensive mapping of dependencies for Metrobank's CBS-2 Payments and Fund Transfers service highlights the intricate connections between people, processes, technology, and third-party relationships.

Understanding these interdependencies is vital for maintaining operational resilience and ensuring the uninterrupted flow of financial transactions.

By regularly reviewing and updating this dependency map, Metrobank can safeguard its ability to deliver reliable and secure payment services, while also meeting regulatory obligations and maintaining customer trust.

Building Resilient Banking Operations: The Metrobank Operational Resilience Implementation Guide
eBook 3: Starting Your OR Implementation
CBS-2 Payments and Fund Transfers
CBS-2 DP	CBS-2 MD	CBS-2 MPR	CBS-2 ITo	CBS-2 SuPS	CBS-2 ST

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More Information About OR-5000 [OR-5] or OR-300 [OR-3]

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Building Resilient Banking Operations: The Metrobank Operational Resilience Implementation Guide

[OR] [MBT] [E3] [CBS] [2] [MD] Map Dependency

Operational Resilience Certified Planner-Specialist-Expert

CBS-2 Payments and Fund Transfers

Table P2: Map Dependency for CBS-2

More Information About OR-5000 [OR-5] or OR-300 [OR-3]

Comments:

Building Resilient Banking Operations: The Metrobank Operational Resilience Implementation Guide

[OR] [MBT] [E3] [CBS] [2] [MD] Map Dependency

Operational Resilience Certified Planner-Specialist-Expert

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Table P2: Map Dependency for CBS-2

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More Information About OR-5000 [OR-5] or OR-300 [OR-3]

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CBS-2 Payments and Fund Transfers