---
title: [OR] [WFP] [E3] [CBS] [1] [MPR] Map Processes and Resources
description: [OR] [WFP] [E3] [CBS] [1] [MPR] Map Processes and Resources
image: https://blog.bcm-institute.org/hubfs/PH%20Bank%20Graphic%20Folder/%5BPH%5D%20Wells%20Fargo%20Graphic%20Folder/WFP%20CBS%201%20and%20CBS%202/%5BOR%5D%20%5BWFP%5D%20%5BPH%5D%20%5BE3%5D%20%5BCBS%5D%20%5B1%5D%20%5BMPR%5D%20Payment%20%26%20Transaction%20Processing.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/)
-
-
###### Strengthening Operational Resilience in Wells Fargo Philippines
# \[OR\] \[WFP\] \[E3\] \[CBS\] \[1\] \[MPR\] Map Processes and Resources
[![x \[OR\] \[WFP\] Title Banner](https://no-cache.hubspot.com/cta/default/3893111/4a2c6d75-a738-4bd3-a9ae-e46f8d216332.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/4a2c6d75-a738-4bd3-a9ae-e46f8d216332)
Mapping processes and resources is a critical step in operational resilience, as it enables an organisation to understand how its **critical business services (CBS)** are supported end-to-end. For *CBS-1 Payment & Transaction Processing*, this involves identifying the full ecosystem of **people, processes, technology, and third parties** that collectively ensure the uninterrupted execution of payment services.
In alignment with BSP Circular No. 1203, Series of 2024, financial institutions must demonstrate a clear understanding of interdependencies, vulnerabilities, and the criticality of resources. This mapping supports:
- Identification of **single points of failure**
- Assessment of **impact tolerances**
- Strengthening of **response and recovery capabilities**
- Integration of **third-party risk management and ICT resilience**
The following table provides a comprehensive mapping of the processes and resources that support each Sub-CBS under Payment & Transaction Processing.
[](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 16, 2026
###### Operational Resilience Certified Planner-Specialist-Expert
### [![x \[PH\] \[WFP\] Legal Disclaimer Banner](https://no-cache.hubspot.com/cta/default/3893111/95afe8a5-d675-48b9-b30e-82facad9de6b.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/95afe8a5-d675-48b9-b30e-82facad9de6b)
### [](https://cta-redirect.hubspot.com/cta/redirect/3893111/bf4d1338-79cc-4e63-904c-9093a2477a6d)
[![\[OR\] \[WFP\] \[PH\] \[E3\] \[CBS\] \[1\] \[MPR\] Payment & Transaction Processing](https://no-cache.hubspot.com/cta/default/3893111/827c5359-385c-4d1c-925e-195655fdfda5.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/827c5359-385c-4d1c-925e-195655fdfda5)
Mapping processes and resources is a critical step in operational resilience, as it enables an organisation to understand how its **critical business services (CBS)** are supported end-to-end. For *CBS-1 Payment & Transaction Processing*, this involves identifying the full ecosystem of **people, processes, technology, and third parties** that collectively ensure the uninterrupted execution of payment services.
In alignment with BSP Circular No. 1203, Series of 2024, financial institutions must demonstrate a clear understanding of interdependencies, vulnerabilities, and the criticality of resources. This mapping supports:
- Identification of **single points of failure**
- Assessment of **impact tolerances**
- Strengthening of **response and recovery capabilities**
- Integration of **third-party risk management and ICT resilience**
The following table provides a comprehensive mapping of the processes and resources that support each Sub-CBS under Payment & Transaction Processing.
[![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-CBF Code** | **Sub-CBS** | **Processes** | **People** | **Technology (Applications & Infrastructure)** | **Third-Party Vendors** | **Upstream / Downstream Dependencies** |
| --- | --- | --- | --- | --- | --- | --- |
| **1.1** | **Payment Initiation and Capture** | **Payment input via channels (online, branch, API)** | **Frontline staff, digital channel teams** | **Online banking platforms, mobile apps, API gateways** | **Fintech channel partners** | **Upstream: Customer channels; Downstream: Authentication** |
| **1.2** | **Customer Authentication and Authorization** | **Identity verification, MFA, access control** | **IAM teams, cybersecurity specialists** | **IAM systems, MFA tools, biometrics systems** | **Authentication service providers** | **Upstream: Initiation; Downstream: Validation** |
| **1.3** | **Payment Validation and Compliance Screening** | **Sanctions screening, AML checks, validation rules** | **Compliance officers, AML analysts** | **AML systems, sanctions screening engines** | **Regulatory data providers (e.g., sanctions lists)** | **Upstream: Authentication; Downstream: Routing** |
| **1.4** | **Transaction Routing and Network Integration** | **Routing to internal/external payment networks** | **Payment operations team** | **Payment switch, routing engines** | **SWIFT network, local clearing networks** | **Upstream: Validation; Downstream: Funds check** |
| **1.5** | **Funds Availability Check and Reservation** | **Balance validation, fund reservation** | **Core banking operations team** | **Core banking system, liquidity engines** | **None / internal** | **Upstream: Routing; Downstream: Execution** |
| **1.6** | **Payment Processing and Execution** | **Debit/credit posting, transaction execution** | **Payments processing team** | **Core banking system, transaction processors** | **Payment processors** | **Upstream: Funds check; Downstream: Clearing** |
| **1.7** | **Interbank Clearing and Settlement Processing** | **Clearing file exchange, settlement processing** | **Treasury ops, settlement team** | **Clearing systems, settlement engines** | **Central banks, clearing houses** | **Upstream: Execution; Downstream: Reconciliation** |
| **1.8** | **Cross-Border Payment Processing** | **FX conversion, international routing** | **FX desk, cross-border specialists** | **FX platforms, SWIFT messaging systems** | **Correspondent banks, FX providers** | **Upstream: Execution; Downstream: Settlement** |
| **1.9** | **Transaction Monitoring and Fraud Detection** | **Real-time fraud monitoring, alert handling** | **Fraud analysts, risk teams** | **Fraud detection systems, AI monitoring tools** | **Fraud intelligence providers** | **Upstream: Execution; Downstream: Exception handling** |
| **1.10** | **Exception Handling and Repair Processing** | **Error handling, transaction repair workflows** | **Operations support teams** | **Case management systems** | **None / limited vendors** | **Upstream: Monitoring; Downstream: Reconciliation** |
| **1.11** | **Reconciliation and Ledger Balancing** | **GL reconciliation, mismatch resolution** | **Finance and reconciliation teams** | **Reconciliation systems, GL systems** | **Audit support vendors** | **Upstream: Settlement; Downstream: Reporting** |
| **1.12** | **Payment Status Notification and Reporting** | **Customer notifications, reporting** | **Customer service teams** | **Notification systems (SMS/email), reporting tools** | **Messaging service providers** | **Upstream: Processing; Downstream: Customers** |
| **1.13** | **Customer Dispute and Claims Handling** | **Dispute intake, investigation, and resolution** | **Customer support, dispute teams** | **Case management, CRM systems** | **Card schemes, arbitration bodies** | **Upstream: Notifications; Downstream: Regulatory reporting** |
| **1.14** | **Regulatory Reporting and Compliance Monitoring** | **Regulatory submissions, compliance monitoring** | **Compliance teams, reporting officers** | **Regulatory reporting systems** | **Regulators, compliance vendors** | **Upstream: Reconciliation; Downstream: Regulators** |
| **1.15** | **Liquidity and Settlement Risk Management** | **Liquidity monitoring, risk controls** | **Treasury, risk management teams** | **Liquidity management systems** | **Market data providers** | **Upstream: Funds check; Downstream: Settlement** |
| **1.16** | **Third-Party and Correspondent Bank Coordination** | **Vendor coordination, SLA management** | **Vendor management teams** | **Vendor management systems** | **Correspondent banks, service providers** | **Upstream: Cross-border; Downstream: Settlement** |
| **1.17** | **System Availability and Infrastructure Support** | **System monitoring, uptime management** | **IT operations, infrastructure teams** | **Data centers, cloud platforms, and network infrastructure** | **Cloud providers, telecom providers** | **Supports all Sub-CBS** |
| **1.18** | **Incident Response and Service Recovery** | **Incident management, DR activation** | **Crisis management teams, IT recovery teams** | **Incident management tools, DR sites** | **DR service providers** | **Supports all Sub-CBS** |
#### **Regulatory Alignment and Operational Resilience Considerations**
In accordance with BSP Circular No. 1203 Series of 2024, this mapping demonstrates several key regulatory expectations:
##### **1. End-to-End Visibility of Critical Services**
- Institutions must map **complete service chains**, including upstream inputs (e.g., customer channels) and downstream outputs (e.g., regulators, clearing houses).
- Example: Payment routing (1.4) explicitly links to external networks such as SWIFT and clearing systems.
##### **2. Identification of Critical Resources**
- Clear identification of:
- Enables prioritisation during disruption scenarios.
##### **3. Third-Party Risk Management**
- Heavy reliance on:
- Requires **robust SLAs, contingency arrangements, and substitution strategies**.
##### **4. ICT and Cyber Resilience Integration**
- Critical reliance on:
- Regulators expect **resilience testing, redundancy, and cyber incident response integration**.
##### **5. Support for Scenario Testing and Impact Tolerance**
- This mapping forms the foundation for:
- Example: Failure of SWIFT connectivity impacts 1.4, 1.8, and 1.7 simultaneously.
[![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 Payment & Transaction Processing provides Wells Fargo Philippines with a **holistic view of its operational ecosystem**, highlighting the intricate interdependencies that underpin payment services.
By clearly identifying supporting processes, critical personnel, enabling technologies, and external dependencies, the organisation is better positioned to anticipate disruptions and respond effectively.
More importantly, this structured mapping aligns with regulatory expectations under BSP Circular No. 1203 Series of 2024 by enabling:
- Proactive identification of vulnerabilities
- Strengthened third-party and ICT risk management
- Enhanced preparedness for disruption scenarios
- Improved recovery and continuity strategies
Ultimately, this exercise is not merely documentation—it is a **strategic resilience tool** that supports Wells Fargo Philippines in maintaining **continuous, reliable, and secure payment services**, even under severe but plausible disruptions.
| **eBook 3: Starting Your OR Implementation** | | | | | |
| --- | --- | --- | --- | --- | --- |
| **CBS-1 Payment & Transaction Processing** | | | | | |
| **CBS-1 DP** | **CBS-1 MD** | **CBS-1 MPR** | **CBS-1 ITo** | **CBS-1 SuPS** | **CBS-1 ST** |
| [![\[OR\] \[WFP\] \[PH\] \[E3\] \[CBS\] \[1\] \[DP\] Payment & Transaction Processing](https://no-cache.hubspot.com/cta/default/3893111/08a21b11-8162-4279-a6aa-62d73f523138.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/08a21b11-8162-4279-a6aa-62d73f523138) | [![\[OR\] \[WFP\] \[PH\] \[E3\] \[CBS\] \[1\] \[MD\] Payment & Transaction Processing](https://no-cache.hubspot.com/cta/default/3893111/1861a0cd-0238-4aab-a711-3c1ff499a245.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/1861a0cd-0238-4aab-a711-3c1ff499a245) | [![\[OR\] \[WFP\] \[PH\] \[E3\] \[CBS\] \[1\] \[MPR\] Payment & Transaction Processing](https://no-cache.hubspot.com/cta/default/3893111/827c5359-385c-4d1c-925e-195655fdfda5.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/827c5359-385c-4d1c-925e-195655fdfda5) | [![\[OR\] \[WFP\] \[PH\] \[E3\] \[CBS\] \[1\] \[ITo\] Payment & Transaction Processing](https://no-cache.hubspot.com/cta/default/3893111/f949f812-6795-41d7-9ee1-38d397474c08.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/f949f812-6795-41d7-9ee1-38d397474c08) | [![\[OR\] \[WFP\] \[PH\] \[E3\] \[CBS\] \[1\] \[SuPS\] Payment & Transaction Processing](https://no-cache.hubspot.com/cta/default/3893111/2a17bbbd-b439-4c95-bcae-c06f90d03142.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/2a17bbbd-b439-4c95-bcae-c06f90d03142) | [![\[OR\] \[WFP\] \[PH\] \[E3\] \[CBS\] \[1\] \[ST\] Payment & Transaction Processing](https://no-cache.hubspot.com/cta/default/3893111/05aacf00-26a5-4792-8b2f-105f57e2c3d2.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/05aacf00-26a5-4792-8b2f-105f57e2c3d2) |
[](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" : "2026-04-16T11:54:26.701Z",
"datePublished" : "2026-04-16T10:00:31.000Z",
"headline" : "[OR] [WFP] [E3] [CBS] [1] [MPR] Map Processes and Resources",
"mainEntityOfPage" : {
"@id" : "https://blog.bcm-institute.org/ebook-or/or-wfp-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"
}
}
```