---
title: [OR] [UBP] [E3] [CBS] [1] [MPR] Map Processes and Resources
description: [OR] [UBP] [E3] [CBS] [1] [MPR] Map Processes and Resources
image: https://blog.bcm-institute.org/hubfs/PH%20Bank%20Graphic%20Folder/%5BPH%5D%20Union%20Bank%20Graphic%20Folder/UBP%20CBS%201%20Morepost/%5BOR%5D%20%5BUBP%5D%20%5BPH%5D%20%5BE3%5D%20%5BCBS%5D%20%5B1%5D%20%5BMPR%5D%20Deposit%20and%20Account%20Services.jpg
---
. .
[](http://www.bcm-institute.org/)
- [Home](https://www.bcm-institute.org/)
- [About Us](https://www.bcm-institute.org/about-us-3/)
- [A President’s Perspective](https://www.bcm-institute.org/about-us/a-presidents-perspective/)
- [Our History](https://www.bcm-institute.org/about-us/our-history/)
- [Our Advisory Council](https://www.bcm-institute.org/about-us/our-advisory-council/)
- [Customers’ Testimonials](https://www.bcm-institute.org/about-us/customers-testimonials/)
- [Credential Verification](https://www.bcm-institute.org/about-us/credential-verification/)
- [Courses](https://blog.bcm-institute.org/blog/course-fees-for-blended-learning-courses-master-catalog)
- [ISO 22301 Business Continuity Management System Audit](https://blog.bcm-institute.org/audit/business-continuity-management-audit-courses)
- [ISO 22301 Business Continuity Management](https://blog.bcm-institute.org/bcm/business-continuity-management-courses)
- [Crisis Communication](https://blog.bcm-institute.org/crisis-communication/crisis-communication-courses)
- [Crisis Management](https://blog.bcm-institute.org/en/crisis-management/courses)
- [IT Disaster Recovery](https://blog.bcm-institute.org/it-disaster-recovery/courses)
- [Operational Resilience](https://blog.bcm-institute.org/operational-resilience/courses)
- [Operational Resilience Audit](https://blog.bcm-institute.org/operational-resilience-audit/courses)
- [Certification](https://blog.bcm-institute.org/certification/types-of-certifications-offered)
- [ISO 22301 BCMS Audit Certification](https://blog.bcm-institute.org/certification/business-continuity-management-audit-certification)
- [ISO22301 Business Continuity Management Certification](https://blog.bcm-institute.org/bcm/business-continuity-management-certification)
- [Crisis Communication Certification](https://blog.bcm-institute.org/crisis-communication/crisis-communication-certification)
- [Crisis Management Certification](https://blog.bcm-institute.org/en/crisis-management/crisis-management-certification)
- [IT Disaster Recovery Planning Certification](https://blog.bcm-institute.org/it-disaster-recovery/it-disaster-recovery-certification)
- [Operational Resilience Certification](https://blog.bcm-institute.org/operational-resilience/operational-resilience-certification)
- [Operational Resilience Audit Certification](https://blog.bcm-institute.org/operational-resilience-audit)
- [Seminars](https://blog.bcm-institute.org/meet-the-expert/mte-webinar-mainpage)
- [Store](https://www.bcm-institute.org/store-2/)
- [Contact Us](http://www.bcm-institute.org/about-us/contact-us/)
-
-
###### From Planning to Execution: Operational Resilience at Union Bank of the Philippines
# \[OR\] \[UBP\] \[E3\] \[CBS\] \[1\] \[MPR\] Map Processes and Resources
[![x \[OR\] \[UBP\] Title Banner](https://no-cache.hubspot.com/cta/default/3893111/aa51436c-5f73-485a-aa99-6d6a6b3882db.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/aa51436c-5f73-485a-aa99-6d6a6b3882db)
In alignment with the Bangko Sentral ng Pilipinas requirements under BSP Circular No. 1203 Series of 2024, financial institutions are required to develop a comprehensive understanding of how critical business services are supported by underlying processes and resources.
The “Map Processes and Resources” stage is a foundational component of operational resilience, ensuring that all elements—people, processes, technology, and third parties—are identified and linked to each sub-critical business service (Sub-CBS).
This enables the bank to understand vulnerabilities, manage interdependencies, and respond effectively to disruptions.
### [](https://cta-redirect.hubspot.com/cta/redirect/3893111/bf4d1338-79cc-4e63-904c-9093a2477a6d)
[Moh Heng Goh](https://blog.bcm-institute.org/ebook-or/author/moh-heng-goh) Apr 13, 2026
###### Operational Resilience Certified Planner-Specialist-Expert
### [![\[OR\] \[UBP\] Legal Disclaimer Banner](https://no-cache.hubspot.com/cta/default/3893111/f97d48f5-b443-4ad0-83f8-36f7744591e6.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/f97d48f5-b443-4ad0-83f8-36f7744591e6)
### [](https://cta-redirect.hubspot.com/cta/redirect/3893111/bf4d1338-79cc-4e63-904c-9093a2477a6d)
### **CBS-1 Deposit & Account Services**
#### **Introduction**
[![\[OR\] \[UBP\] \[PH\] \[E3\] \[CBS\] \[1\] \[MPR\] Deposit and Account Services](https://no-cache.hubspot.com/cta/default/3893111/64c8092a-a90a-403b-9b46-b356a1396c07.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/64c8092a-a90a-403b-9b46-b356a1396c07)
In alignment with the Bangko Sentral ng Pilipinas requirements under BSP Circular No. 1203 Series of 2024, financial institutions are required to develop a comprehensive understanding of how critical business services are supported by underlying processes and resources.
The “Map Processes and Resources” stage is a foundational component of operational resilience, ensuring that all elements—people, processes, technology, and third parties—are identified and linked to each sub-critical business service (Sub-CBS).
This enables the bank to understand vulnerabilities, manage interdependencies, and respond effectively to disruptions.
#### **Purpose of the Chapter**
The purpose of this chapter is to provide a structured and detailed mapping of all processes and supporting resources for CBS-1 Deposit and Account Services. This mapping enables stakeholders to:
- Identify critical dependencies and single points of failure
- Understand upstream and downstream impacts across business functions
- Support impact tolerance setting and scenario testing
- Ensure compliance with regulatory expectations on resilience and service continuity
[![Banner \[Table\] \[OR\] \[E3\] Map Processes and Resources](https://no-cache.hubspot.com/cta/default/3893111/5af5497a-aa7f-41e4-b5ed-c9da8601d4ef.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/5af5497a-aa7f-41e4-b5ed-c9da8601d4ef)
###### Table P3: Map Processes and Resources for CBS-1
| **Sub-CBS Code** | **Sub-CBS** | **Processes** | **People** | **Technology (Applications & Infrastructure)** | **Third-Party Vendors** | **Upstream / Downstream Dependencies** |
| --- | --- | --- | --- | --- | --- | --- |
| **1.1** | **Customer Onboarding and Account Application** | **Application capture, document submission, data entry** | **Branch staff, RM, onboarding officers** | **Digital onboarding platform, CRM, mobile apps** | **eKYC providers, ID verification vendors** | **Upstream: Customer channels; Downstream: KYC** |
| **1.2** | **Customer Identification and Verification (KYC/CDD)** | **Identity validation, screening, risk profiling** | **Compliance officers, KYC analysts** | **KYC/AML systems, sanctions screening tools** | **AML database providers, government registries** | **Upstream: Onboarding; Downstream: Approval** |
| **1.3** | **Account Approval and Opening** | **Approval workflow, account creation** | **Operations staff, approvers** | **Core Banking System (CBS), workflow engines** | **None / outsourced ops support** | **Upstream: KYC; Downstream: Funding** |
| **1.4** | **Initial Funding and Deposit Booking** | **Deposit intake, posting, validation** | **Tellers, digital ops staff** | **Payment gateway, CBS ledger system** | **Payment networks, clearing houses** | **Upstream: Account opening; Downstream: Transactions** |
| **1.5** | **Product Terms Setup and Account Parameter Maintenance** | **Product configuration, parameter updates** | **Product managers, IT admins** | **Product engine, CBS configuration modules** | **IT vendors** | **Upstream: Product design; Downstream: Transactions** |
| **1.6** | **Deposit Transactions Processing** | **Credit/debit processing, posting** | **Operations team, system support** | **CBS, transaction processing engine** | **Payment processors, clearing systems** | **Upstream: Channels; Downstream: Reporting** |
| **1.7** | **Withdrawal and Funds Access Processing** | **Cash withdrawal, transfer execution** | **Tellers, ATM ops team** | **ATM switch, CBS, mobile banking** | **ATM networks (e.g. BancNet), card processors** | **Upstream: Account balance; Downstream: Reconciliation** |
| **1.8** | **Account Servicing and Customer Maintenance** | **Profile updates, account changes** | **Customer service, branch staff** | **CRM, CBS** | **Contact centre providers** | **Upstream: Customer requests; Downstream: All CBS** |
| **1.9** | **Interest, Fees, and Charges Processing** | **Interest calculation, fee application** | **Finance, operations staff** | **Interest engine, CBS** | **None** | **Upstream: Account balances; Downstream: Reporting** |
| **1.10** | **Statement, Passbook, and Balance Reporting** | **Statement generation, balance inquiry** | **Operations, IT support** | **Reporting systems, data warehouse** | **Print/mail vendors** | **Upstream: Transaction processing; Downstream: Customer delivery** |
| **1.11** | **Digital Account Access and Channel Integration** | **Login, authentication, transactions** | **Digital banking team, IT security** | **Mobile app, internet banking, API gateway** | **Cloud providers, fintech partners** | **Upstream: Identity systems; Downstream: Transactions** |
| **1.12** | **ATM and Card-Based Access Management** | **Card issuance, PIN management** | **Card ops team** | **Card management system, ATM switch** | **Card networks (Visa/Mastercard), ATM vendors** | **Upstream: Account setup; Downstream: Withdrawals** |
| **1.13** | **Account Reconciliation and Exception Handling** | **Reconciliation, discrepancy resolution** | **Finance, ops reconciliation team** | **Reconciliation systems, CBS** | **External auditors** | **Upstream: Transactions; Downstream: Reporting** |
| **1.14** | **Dormancy, Holds, Restrictions, and Account Control Administration** | **Dormancy tagging, account restrictions** | **Compliance, operations** | **CBS controls the module** | **None** | **Upstream: Account activity; Downstream: Transactions** |
| **1.15** | **Fraud Monitoring and Transaction Surveillance** | **Fraud detection, alerts, case management** | **Fraud analysts, risk team** | **Fraud monitoring system, AI analytics** | **Fraud intelligence providers** | **Upstream: Transactions; Downstream: Incident response** |
| **1.16** | **Complaints, Disputes, and Service Recovery** | **Complaint logging, dispute resolution** | **Customer service, dispute team** | **Case management system, CRM** | **Ombudsman, external mediation bodies** | **Upstream: Customer interaction; Downstream: Reporting** |
| **1.17** | **Regulatory Reporting and Compliance Monitoring** | **Regulatory report generation, compliance checks** | **Compliance officers, reporting team** | **Regulatory reporting systems** | **Regulators, data providers** | **Upstream: All CBS; Downstream: Regulators** |
| **1.18** | **Incident Response, Business Continuity, and Recovery** | **Incident management, DR activation** | **BCM team, IT DR team** | **Incident management tools, DR site, backup systems** | **DR site providers, telecom providers** | **Upstream: All systems; Downstream: Service recovery** |
#### **Regulatory Alignment and Operational Resilience Considerations**
Under BSP Circular No. 1203 Series of 2024, the following requirements are addressed through this mapping:
- **End-to-End Mapping of Critical Business Services**
Banks must identify and document all resources supporting critical services, including interconnections and dependencies.
- **Identification of Critical Dependencies**
This table highlights reliance on third parties such as payment networks, cloud providers, and KYC vendors.
- **Technology and Cyber Resilience Integration**
Critical systems (CBS, mobile banking, fraud systems) must have redundancy, monitoring, and recovery capabilities.
- **Third-Party Risk Management**
External providers (e.g., ATM networks, AML databases) must be assessed for resilience and included in continuity planning.
- **Support for Scenario Testing and Impact Tolerance**
The mapping provides the foundation for testing severe but plausible scenarios and defining maximum tolerable disruption levels.
#### [![Banner \[Summing\] \[OR\] \[E3\] Map Interconnections and Interdependencies](https://no-cache.hubspot.com/cta/default/3893111/61e5330e-051c-4874-b6da-a1be8393c283.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/61e5330e-051c-4874-b6da-a1be8393c283)
The mapping of processes and resources for CBS-1 Deposit and Account Services provides a comprehensive view of how Union Bank of the Philippines delivers one of its most critical services.
By clearly identifying the relationships between processes, people, technology, and third-party providers, the bank strengthens its ability to anticipate, withstand, and recover from disruptions.
This structured mapping is not only a regulatory requirement but also a strategic enabler of resilience.
It supports subsequent stages, such as impact-tolerance setting, development of severe but plausible scenarios, and scenario testing—ensuring the bank can maintain service continuity and protect customers even under adverse conditions.
| **eBook 3: Starting Your OR Implementation** | | | | | |
| --- | --- | --- | --- | --- | --- |
| **CBS-1 Deposit & Account Services** | | | | | |
| **CBS-1 DP** | **CBS-1 MD** | **CBS-1 MPR** | **CBS-1 ITo** | **CBS-1 SuPS** | **CBS-1 ST** |
| [![\[OR\] \[UBP\] \[PH\] \[E3\] \[CBS\] \[1\] \[DP\] Deposit and Account Services](https://no-cache.hubspot.com/cta/default/3893111/caed34e9-155d-45e6-988d-03e9bcbb003d.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/caed34e9-155d-45e6-988d-03e9bcbb003d) | [![\[OR\] \[UBP\] \[PH\] \[E3\] \[CBS\] \[1\] \[MD\] Deposit and Account Services](https://no-cache.hubspot.com/cta/default/3893111/113936d7-f143-4c8c-87ce-63cf4fced435.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/113936d7-f143-4c8c-87ce-63cf4fced435) | [![\[OR\] \[UBP\] \[PH\] \[E3\] \[CBS\] \[1\] \[MPR\] Deposit and Account Services](https://no-cache.hubspot.com/cta/default/3893111/64c8092a-a90a-403b-9b46-b356a1396c07.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/64c8092a-a90a-403b-9b46-b356a1396c07) | [![\[OR\] \[UBP\] \[PH\] \[E3\] \[CBS\] \[1\] \[ITo\] Deposit and Account Services](https://no-cache.hubspot.com/cta/default/3893111/aeed3fca-6ddb-4656-8785-190e39bdc8db.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/aeed3fca-6ddb-4656-8785-190e39bdc8db) | [![\[OR\] \[UBP\] \[PH\] \[E3\] \[CBS\] \[1\] \[SuPS\] Deposit and Account Services](https://no-cache.hubspot.com/cta/default/3893111/bf6cd570-c698-489d-a90b-cebfddf55d7a.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/bf6cd570-c698-489d-a90b-cebfddf55d7a) | [![\[OR\] \[UBP\] \[PH\] \[E3\] \[CBS\] \[1\] \[ST\] Deposit and Account Services](https://no-cache.hubspot.com/cta/default/3893111/dfb366bd-9c4a-484c-aa95-81a7de3966f2.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/dfb366bd-9c4a-484c-aa95-81a7de3966f2) |
[](https://cta-redirect.hubspot.com/cta/redirect/3893111/084e620a-46c5-419a-82ed-6a681d15c0b6)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.
| [](https://cta-redirect.hubspot.com/cta/redirect/3893111/3530eccb-515d-401e-afc2-3469e26d7fbf) | [](https://cta-redirect.hubspot.com/cta/redirect/3893111/fdd4fa9c-ed69-40c1-925f-4eb6a1c5c255) | [](https://cta-redirect.hubspot.com/cta/redirect/3893111/77a34b84-0a6d-44f8-b8d6-6ab04cdf5edd) |
| --- | --- | --- |
| [](https://cta-redirect.hubspot.com/cta/redirect/3893111/6e5c0cda-39b9-4bbd-b3d4-4cf46a790b14) | [](https://cta-redirect.hubspot.com/cta/redirect/3893111/a68a08aa-36d3-4216-9551-202c9fde06ea) | [![ \[BL-OR\] \[3-4-5\] View Schedule](https://no-cache.hubspot.com/cta/default/3893111/d0d733a1-16c0-4b68-a26d-adbfd4fc6069.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/d0d733a1-16c0-4b68-a26d-adbfd4fc6069) |
| [![\[BL-OR\] \[3\] FAQ OR-300](https://no-cache.hubspot.com/cta/default/3893111/f20c71b4-f5e8-4aa5-8056-c374ca33a091.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/f20c71b4-f5e8-4aa5-8056-c374ca33a091) | If you have any questions, click to contact us.[![Email to Sales Team \[BCM Institute\]](https://no-cache.hubspot.com/cta/default/3893111/3c53daeb-2836-4843-b0e0-645baee2ab9e.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/3c53daeb-2836-4843-b0e0-645baee2ab9e) | [](https://cta-redirect.hubspot.com/cta/redirect/3893111/7f2718a4-ea80-4f84-a319-dc2d4df37a46) |
| [](https://cta-redirect.hubspot.com/cta/redirect/3893111/74b1e556-8cd2-4a74-8821-db1804534955) | [](https://cta-redirect.hubspot.com/cta/redirect/3893111/f2bd8eb1-32d2-4732-9267-ea53223cf58f) | [](https://cta-redirect.hubspot.com/cta/redirect/3893111/084e620a-46c5-419a-82ed-6a681d15c0b6) |
#### **Comments:**
---
---
---
---
All rights reserved. Copyright 2026
```json
{
"@context" : "https://schema.org",
"@type" : "BlogPosting",
"author" : {
"@type" : "Person",
"name" : "Moh Heng Goh",
"url" : "https://blog.bcm-institute.org/ebook-or/author/moh-heng-goh"
},
"dateModified" : "2026-04-13T14:02:25.683Z",
"datePublished" : "2026-04-13T04:44:20.000Z",
"headline" : "[OR] [UBP] [E3] [CBS] [1] [MPR] Map Processes and Resources",
"mainEntityOfPage" : {
"@id" : "https://blog.bcm-institute.org/ebook-or/or-ubp-e3-cbs-1-mpr-map-processes-and-resources",
"@type" : "WebPage"
},
"publisher" : {
"@type" : "Organization",
"logo" : {
"@type" : "ImageObject",
"url" : "https://blog.bcm-institute.org/hubfs/BCMI%20Logo.png"
},
"name" : "BCMI Pte Ltd"
}
}
```