[OR] [MBT] [E3] [CBS] [9] [MD] Map Dependency

CBS-9 Credit Card Issuing and Acquiring Services

Mapping the interconnections and interdependencies for Metrobank’s CBS-9 Credit Card Issuing and Acquiring Services is a critical exercise under the framework of operational resilience. It enables the bank to identify and understand how various people, processes, technologies, and third-party service providers contribute to the delivery of this essential financial service.

By systematically mapping these dependencies, Metrobank can better anticipate potential disruption impacts, design effective response strategies, and ensure continuity of service for both cardholders and merchants.

This mapping also supports compliance with regulatory expectations on operational resilience, ensuring that dependencies—both internal and external—are clearly defined and managed across the card value chain.

Table P2: Map Dependency for CBS-9

Sub-CBS Code	Sub-CBS	Dependency Type	Dependency Detail (What/Who is involved)	Connectivity (How it connects/interacts with the CBS or other components)
9.1	Credit Card Application and Onboarding	People	Customer service staff, credit analysts, and risk management team	Review and approve applications; connect with underwriting and risk scoring systems.
		Process	Application intake, KYC verification, credit scoring, and approval workflow	Integrated with a digital banking platform and core banking for applicant validation.
		Technology	CRM systems, credit scoring engines, and onboarding portals	Data feeds from applicant systems into Metrobank’s CRM and credit decisioning engines.
		Third Party	Credit bureaus, document verification vendors	Exchange data for credit history and identity verification.
9.2	Card Issuance and Fulfilment	People	Card operations team, printing and dispatch staff	Manage personalisation and physical distribution of cards.
		Process	Card personalisation, PIN generation, card packaging, and delivery	Linked with secure card production facilities and delivery logistics.
		Technology	Card management system (CMS), PIN mailer system	Data exchange with a secure CMS for card data generation.
		Third Party	Card manufacturing vendors, courier partners	Physical card production and delivery to customers.
9.3	Transaction Authorisation and Processing	People	Transaction monitoring and fraud operations team	Oversee transaction integrity and escalation of suspicious activities.
		Process	Transaction routing, authorisation, and settlement	Core function integrated with network processors (Visa/Mastercard).
		Technology	Payment gateway, authorisation engine, switch, core banking system	Enables real-time transaction approval and settlement.
		Third Party	Visa, Mastercard, payment processors	Provide authorisation and network-level clearing services.
9.4	Merchant Acquiring and Onboarding	People	Merchant relationship managers, sales support	Engage merchants and validate credentials before onboarding.
		Process	Merchant registration, risk evaluation, and contract setup	Integrated with the acquiring platform and risk assessment tools.
		Technology	Merchant onboarding portal, acquiring management system	Links merchants with transaction processing systems.
		Third Party	POS terminal vendors, merchant verification agencies	Supply POS devices and validate merchant details.
9.5	Merchant Transaction and Settlement Services	People	Reconciliation team, finance operations	Manage daily settlement and resolve reconciliation mismatches.
		Process	Transaction batching, settlement processing, and reconciliation	Linked with payment networks and Metrobank’s treasury.
		Technology	Settlement engine, core accounting system	Automated data flow from transaction processor to ledger.
		Third Party	Visa/Mastercard, payment gateways, and clearing banks	Handle interbank fund transfers and network settlements.
9.6	Cardholder Servicing and Collections	People	Customer service officers, collection agents	Respond to inquiries, handle billing issues, and pursue collections.
		Process	Dispute resolution, billing, payment posting, and delinquency management	Connected with call centre CRM and billing systems.
		Technology	Call centre systems, billing platform, IVR, CRM	Integrates real-time data from CMS and core banking.
		Third Party	Outsourced collection agencies, contact centre partners	Manage overdue accounts and provide after-hours support.
9.7	Fraud Detection and Security Monitoring	People	Fraud investigation officers, cybersecurity team	Monitor suspicious transactions and trigger investigations.
		Process	Real-time monitoring, rule management, and case handling	Continuous link with authorisation systems for rule-based alerts.
		Technology	Fraud detection system, SIEM tools, transaction monitoring dashboard	Data correlation with network authorisations and user behaviour.
		Third Party	Fraud detection service providers, card networks	Provide fraud intelligence and global alert data.
9.8	Compliance and Regulatory Management	People	Compliance officers, legal and audit teams	Oversee adherence to BSP, AMLA, and data protection regulations.
		Process	AML monitoring, transaction reporting, and audit review	Aligned with the enterprise compliance framework and operational risk systems.
		Technology	Regulatory reporting tools, compliance dashboards, and an AML system	Feeds data from transaction and customer databases for reporting.
		Third Party	Regulators (BSP), external auditors, AML service providers	Submit required reports and undergo compliance reviews.

Banner [Summing] [OR] [E3] Map Dependency

In summary, mapping the dependencies for CBS-9 Credit Card Issuing and Acquiring Services at Metrobank reveals the intricate network of interrelated functions, systems, and external partners that sustain the end-to-end delivery of card services.

Each Sub-CBS—from application onboarding to compliance management—relies on seamless coordination among people, processes, technologies, and third parties.

Recognising these interdependencies enhances Metrobank’s ability to identify critical vulnerabilities, strengthen risk controls, and ensure service continuity during disruptions.

This exercise forms a foundation for deeper operational resilience planning, guiding the bank toward maintaining customer trust and regulatory compliance even under severe but plausible disruption scenarios.

Building Resilient Banking Operations: The Metrobank Operational Resilience Implementation Guide
eBook 3: Starting Your OR Implementation
CBS-9 Credit Card Issuing and Acquiring Services
CBS-9 DP	CBS-9 MD	CBS-9 MPR	CBS-9 ITo	CBS-9 SuPS	CBS-9 ST

Gain Competency: For organisations looking to accelerate their journey, BCM Institute’s training and certification programs, including the OR-5000 Operational Resilience Expert Implementer course, provide in-depth insights and practical toolkits for effectively embedding this model.

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

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.



	If you have any questions, click to contact us.

Building Resilient Banking Operations: The Metrobank Operational Resilience Implementation Guide

[OR] [MBT] [E3] [CBS] [9] [MD] Map Dependency

Operational Resilience Certified Planner-Specialist-Expert

CBS-9 Credit Card Issuing and Acquiring Services

Table P2: Map Dependency for CBS-9

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] [9] [MD] Map Dependency

Operational Resilience Certified Planner-Specialist-Expert

hbspt.cta._relativeUrls=true;hbspt.cta.load(3893111, '2196d2c2-e6e2-49b4-ba01-e7d03071dd00', {"useNewLoader":"true","region":"na1"});

hbspt.cta._relativeUrls=true;hbspt.cta.load(3893111, '677f466a-109d-4603-b6e8-82e42e2f6e0b', {"useNewLoader":"true","region":"na1"}); CBS-9 Credit Card Issuing and Acquiring Services

Table P2: Map Dependency for CBS-9

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

Comments:

CBS-9 Credit Card Issuing and Acquiring Services