The operational resilience framework requires financial institutions to establish clear visibility of process flows, functional components, and interdependent resources that support critical business services.
For Metrobank’s CBS-4 Corporate Cash Management and Collections, mapping processes and resources provides a systematic understanding of operational dependencies that underpin the bank’s capability to deliver uninterrupted corporate treasury and payment services.
This mapping exercise aligns with regulatory expectations for resilience readiness, enabling the proactive identification of risks, assessment of resource adequacy, and prioritisation of recovery options across both business and technology layers.
The outputs produced in this chapter serve as foundational artefacts for subsequent impact tolerance setting, scenario testing, and resilience strategy planning.
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Sub-CBS Code |
Sub-CBS |
Key Processes |
People |
Technology (Applications & Infrastructure) |
Third-Party Vendors |
Upstream / Downstream Dependencies |
|
4.1 |
Corporate Account Setup and Onboarding |
Client application intake, KYC/AML verification, corporate account creation, entitlement, and access setup |
Relationship Managers, KYC Analysts, Account Services Officers, IT Access Control Administrators |
Core Banking System, Customer Onboarding System, eKYC platform, Identity and Access Management, Secure network, and database servers |
External KYC verification partner, digital signature service provider |
Upstream: Customer information systems, KYC database. Downstream: Corporate e-banking, payment platforms |
|
4.2 |
Receivables Management |
Invoice upload and validation, collection instruction processing, auto-reconciliation, and posting to the corporate ledger |
Receivables Operations Team, Treasury Specialists, Corporate Support Desk |
Cash Management System, Receivables module, Payment gateway, SWIFT interface, Data warehouse |
Payment processors, merchant acquiring partners |
Upstream: Corporate ERP inputs. Downstream: GL systems, liquidity management |
|
4.3 |
Payables and Disbursement Services Integration |
Bulk payment processing, beneficiary validation, approval workflow, and payment file transmission |
Cash Management Operations, Payment Processing Analysts, IT Support |
Corporate banking portal, ACH/RTGS gateway, Host-to-host connectivity, Token authentication systems |
Clearing houses, RTGS network providers, and the automated clearing network |
Upstream: Corporate ERP file upload. Downstream: Central bank payment systems, core banking |
|
4.4 |
Electronic Banking and Treasury Platform Support |
User enrolment, transaction routing, e-channel monitoring, treasury dashboard operations |
e-Banking Support Team, Digital Banking Engineers, Treasury Operations |
Corporate online banking platform, Treasury management system, API gateway, Load balancers, Firewall, Cloud infrastructure components |
Platform maintenance vendors, cybersecurity monitoring provider |
Upstream: Identity and Access Systems. Downstream: Payments engine, liquidity systems |
|
4.5 |
Cash Concentration and Liquidity Management |
Sweep setup, balance tracking, inter-account transfers, liquidity pooling |
Treasury Liquidity Desk, Cash Management Officers, System Analysts |
Liquidity engine, Core banking system, SWIFT interface, Reporting engines, Secure data centres |
SWIFT service bureau providers |
Upstream: Transaction and balance systems. Downstream: Treasury settlement, reporting systems |
|
4.6 |
Cheque Clearing and Settlement Services |
Cheque deposit processing, cheque image validation, clearing cycle monitoring, settlement execution |
Clearing Operations Team, Branch Operations, Settlement Officers |
Cheque imaging system, Clearing interface, Batch processing servers |
National cheque clearing system operator |
Upstream: Branch deposit inputs. Downstream: Core banking posting, central clearing authority |
|
4.7 |
Corporate Deposits and Cash Vault Services |
Deposit acceptance, cash handling logistics, vault reconciliation, armored transport coordination |
Branch Cash Officers, Vault Custodians, Cash Logistics Coordinators |
Core banking system, Vault inventory application, Secure intranet connection |
Armored transport provider, cash handling contractor |
Upstream: Branch cash operations. Downstream: Treasury/cash inventory reporting |
|
4.8 |
Collections Reconciliation and Reporting |
Transaction matching, exception identification, account posting, dashboard, and report generation |
Reconciliation Analysts, Finance Operations, MIS Reporting Team |
Reconciliation engine, Data warehouse, Business Intelligence tools |
Data processing vendors, reporting platform support |
Upstream: Bank transaction system, receivables records. Downstream: Financial reporting, liquidity tools |
|
4.9 |
Complaint, Exception, and Dispute Management |
Case intake, investigation, evidence review, resolution, and notification |
Customer Support Team, Dispute Analysts, Compliance Support |
CRM system, Case management platform, Knowledge base |
Complaint management service provider (if outsourced support) |
Upstream: Transaction and log data. Downstream: Customer communication systems, compliance reporting |
|
4.10 |
Regulatory and Compliance Monitoring |
Reporting compilation, AML monitoring, audit trail maintenance, and system monitoring for anomalies |
Compliance Officers, Risk Management, Audit Support |
AML monitoring system, Regulatory reporting engine, Logs management, Secure servers |
Regulatory reporting intermediaries (if used) |
Upstream: Transaction databases. Downstream: Regulators, audit systems |
Mapping processes and resources for Metrobank’s CBS-4 Corporate Cash Management and Collections delivers a comprehensive understanding of critical dependencies that sustain uninterrupted service delivery to the bank’s corporate customer segment.
The structured linkage of processes, staffing roles, technology stacks, vendors, and inter-service connections provides operational clarity and supports compliance with supervisory expectations on resilience.
This mapping serves as a foundation for resilience stress testing, resource adequacy evaluation, control validation, and incident response readiness, thereby reinforcing Metrobank’s operational continuity posture and ensuring that essential corporate treasury services remain viable under severe but plausible disruption scenarios.
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Building Resilient Banking Operations: The Metrobank Operational Resilience Implementation Guide |
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| eBook 3: Starting Your OR Implementation |
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| CBS-4 Corporate Cash Management and Collections | |||||
| CBS-4 DP | CBS-4 MD | CBS-4 MPR | CBS-4 ITo | CBS-4 SuPS | CBS-4 ST |
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.
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