appendix - banking finance experience

7/27/2019 Appendix - Banking Finance Experience

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AppendixWipro Banking & Finance Experience

This document is the property of Wipro Ltd., who owns the copyright thereof. The information in this

document is given in condence and without the written consent of Wipro Ltd., given by contract or

otherwise, this document must not be copied, reprinted or reproduced in any material form, either wholly or

in part. Also the contents of this document or any methods or techniques available there from, must not be

disclosed to any third party whatsoever.


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Appendix

Wipro experience in Banking & Finance

Table of Contents

1 WIPRO BANKING DOMAIN FOCUS................................................................................2

1.1 I NTRODUCTION.....................................................................................................................2

1.2 BANKINGKEYBUSINESSDRIVERS............................................................................................2

1.3 BUSINESSDOMAINLEDSERVICEDELIVERY..................................................................................4

1.4 F OCUSAREASANDTRAINING...................................................................................................4

1.5 S NAPSHOTOFLARGECUSTOMERENGAGEMENTS:................................................................5

2 SAMPLE LIST OF DEVELOPMENT PROJECTS IN BANKING & FINANCIAL

SERVICES......................................................................................................................................7

2.1 CASESTUDY1 : CORPORATEOPERATIONALRISKMANAGEMENTSYSTEMFORGLOBAL

FINANCIALSERVICESFIRM.............................................................................................................72.1.1 Ou C!"#$%.................................................................................................................&

2.1.2 O'#'"#(..................................................................................................................&

2.1.3 P)*!#+ D#,-"%")$.................................................................................................&

2.1.4 /")0, S)!u%")$........................................................................................................&

2.1.5 B#$#"%, %) Cu,%)+#.................................................................................................

2.1. T#-$)!)"#, I$')!'#6..............................................................................................7

2.1.& E)% I$')!'#6..........................................................................................................7

2.2 CASESTUDY2 - INTERNETBANKING(LARGEBANKINMIDDLEEAST)..........................1

2.2.1 A*)u% %# P)8#-%....................................................................................................19

2.2.2 S-)# ) %# P)8#-%................................................................................................19

2.2.3 K# Cu,%)+# I,,u#,...............................................................................................19

2.2.4 T#-$)!) S)!u%")$...............................................................................................192.2.5 K# S)!u%")$ F#;%u#,.............................................................................................19

2.2. M)6u!#, D#'#!)#6.................................................................................................11

2.2.& O%#


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Appendix


Wipro Limited (Confidential) Page 1


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Appendix


1 Wipro Banking Domain Focus

1.1 Introduction

The key challenges for banks in these times and going forward are to create, leverage and retainvalue from customer relationships profitably over their lifetime. To do this the bank requiresconstant enhancement of its capabilities to improve upon its capacity to:

- Gain unique insights from customer data- Process transactions in a straight through manner- Assess risk and take proactive action

ipro works as a Performance Enhancement Partnerto help banks contain costs and grow newrevenue streams by providing services to assess, design, retool, build and manage businessapplications, processes and technology.

Banking , Securities and Insurance is akey vertical at ipro which brings in !"# of ipro$srevenues from global technology services and has had dedicated domain focused service deliveryteams for the past % years. Today there are &,%''( consultants of which a quarter works for ourbank and non)banking financial services customers. The following is representative of ipro$skey clients in the segments *anking +ecurities and nsurance:

1.2 Banking key Business drivers

The picture shown below depicts the business drivers we see impacting discretionary businesstechnology investments at our customer organi-ations. e have aligned our focus along similarlines in analysing needs, investing in skills and working early with customers to build confidenceon delivering solutions.


SecuritiesBanking & Insurance

Financial Services *loomberg*+/apital Group/harles +chwab0eutsche Asset 1gmt20+3P 1organ /hase4ehman *rothers1i-uho +ecurities56+Putnam nvestments+tate +treetThomson 781G89*+ellington

AvivaAllian-/5A2armers2riends ProvidentG/ of ndiaGuy /arpenter4/ of ndia1arsh5ationwidePrudential+kandiaurich 5A

American ;press

/apital 8ne/itibank/redit +uisse2idelity nfo +ystemsG1A/


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Appendix


Wipro areas of experience :

n the course of working with customers we have gained e;perience across business ops areas in

retail >deposits, credit and payments? and wholesale and also up the value chain fromtransaction processing to risk management.


Deposits redit Pa!ments Wholesale

"ransactionProcessing

"ransactionProcessing

ProductDifferentiation

ProductDifferentiation

#elationship$anagement

#elationship$anagement

#isk$anagement

#isk$anagement

+avings @Time, 00A,+afe 0eposit

1ulti)channelnternet services

/ross)selling

0eposit fraud

/redit /ard,1ortgage

servicing, Auto)leasing @ loan

/omprehensive4oan 8rigination

1anage)your)cardonline

1erchant Acquiring

Portfolio ;it

A/< payment+wiss payment

engin payment

/ash1anagement

*illPayment

A14*asel

Global G4

/ommercial4ending

Treasury +elf+ervice

8nline+yndication

0ebenturelinked

investments

nstitutionalTrading


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Appendix


1.3 Business domain led service delivery

*eing vertically focused means not only having people with functional knowledge and industrye;perience as an integral part of development proects and maintenance engagements, but alsohave the whole service delivery team knowledgeable of how the customers$ business operatesand keep them abreast of the current industry issues and initiatives. The involvement of domainconsultants and business analysts primarily:

Baises the value proposition for our customers from Cdesign)to)specD mode to Cdevise the

solutionD. Productivity improves as the client communicates business requirements insteadof having to prepare detailed software specifications requirements.

mproves the cycle time and quality of onsite knowledge transfer when >as often is the case?

the as)is process is redesigned as part of new development or maor enhancements.


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Appendix


e have instituted training programs to ensure that technical teams acquire banking businessknowledge for more effective delivery of application services:

- 2inance !'! is for all employees engaged with the financial services industry, and ensuresbanking and economics fundamentals

- +pecific &'! programs are structured for areas like consumer credit, deposits, payments,equity, fi;ed income and derivatives and are meant for module leaders and proectmanagers.

-


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Appendix


4eading +wissbank

E( years &% Be)engineering and continuing support of applicationsfor:

Payments: one)time, from standing orders.

+trategic vendor in the Payments domain

/ommercial credit preparation and collateral

management

4eading 9= bank & years E'( 8ne time application development for: Benewal of full service leasing system

ntegration with sales, credit decision, collections,

G4 and disposal apps +upport of app developed

4arge Asset1anager in the9nited +tates

!'( years !%'( 1aintenance and nhancement of 0efined

/ontribution applications. eb enablement of client service work stations.

0evelopment of %& plan functionality in the

retirement planning systems 1aintenance and nhancements on Transfer Agency

applications +upport and customi-ation of PA/ @ +TAB Portfolio

1anagement products.

4eading 8nline*rokerage firmin 9+

E( years &H%( Application 1aintenance @ +upport of Tradingwebsite

&IJ" 1aintenance @ Production support of in)house

1+, Treasury and 2inance applications /omponent 4evel Fuality assurance for in)house

applications Package implementation @ support for People+oft

and Ariba *uyer product suites

1aintenance of /ore *rokerage systems

Globalnvestment *ank>+wiss?

&( years !%'( 0esign @ development of:

o nterface layer for the Global General

4edger systemo /ash reconciliation data integration

layer nhancement and support of a Bisk 1anagement

+ystem for quities and 0erivatives nfrastructure +upport @ Technical a few given below? have been great encouragement:

"he Banker "echnolog! ''( a%ard for #isk $anagement(In recognition of its work for a leading US bank in developing an enterprise-wide OperationalRisk Management System.)

)Excellent S!stem A%ard*(apanese Ministry of International !rade " Ind#stry (MI!I)$ award for best %inancial Services

pro&ect in apan for t'e aiwa eb*roker pro&ect)

)Informatica Insight A%ard*



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Appendix


(ipro &ointly wit' its c#stomer +r#dential$ won t'e Informatica Insig't ,ward for t'e bestmainframe ata Integration Sol#tion at Informatica orld onference //0 at 1dinb#rg')

2 Sample list of development projects inBanking Financial services

2.1 !ase Stud" 1 # !orporate $perational %isk &anagementS"stem for 'lo(al Financial Services Firm

2.1.1 Our Client

Our client is a leading global nancial services rm with operations in more than !countries and assets of over "##$ billion.

2.1.2 Overview

As the dust settles on high%prole nes and losses, rms continue to wor& ondeveloping a unied, enterprise%wide approach to operational ris&. As nes are settledand regulatory requirements evolve, operational ris& continues to be a &ey componentto any comprehensive, enterprise%wide ris&%management strategy.

2.1.3 Problem Description

Over the last $' to $( months, the nancial%services industry has migrated toembrace operational ris& as a ris& discipline. While vendors do have quality o)erings,to date, our client was unable to nd one pac&age in which all of the necessary toolscould be integrated. *n such a scenario, the rm decided to continue with a build%rather%than%buy strategy.

The !orporate $perational %isk S"stem )!$%S*can be described at a high levelas an aggregation of the following ma+or system components

Self +ssessment S"stem- ome of the functionality for this system is

provided by /ori0on, a legacy application. The 123 called for phasing out/ori0on, and developing an enhanced version of /ori0on functionality on a newplatform

,oss -vent Data(ase- 4urrently, the loss event database resides in 156.

4O1 requires a data architecture that is more sophisticated than provided by156s. The functionality will now be enhanced and developed on a more stableand robust database platform based on Oracle 7i

e" /ndicator -ngine- This engine assimilates the ris&, performance and

value indicators from each of the LO8s.

!apital +llocation -ngine- This engine is provided by a third partyapplication 9Op:antage;. The rest of 4O1 will be required to integrate to theOp:antage platform.

2.1.4 Wipros Solution

Wipro believes that the principles of 4O1 are rmly centered on the three pillars ofthe proposed new 8asel 4apital Accord

&inimum !apital %e0uirement

Supervisor" %evie rocess

&arket Discipline

The architecture planned for 4O1 is shown below



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Appendix


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Appendix


2.1.! "ec#nolo$ies %nvolve&

DEEL!P"E#$ $!!L%E$

&nal'(i( )ational )o(e

&r*+ite*t,re %'(tem &r*+ite*t - Enterpri(e &r*+ite*t

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Code Profiling .te(t / .pro3e

Logging Log 4.

$e(ting "er*,r' $e(t %,ite

er(ion *ontrol "erant PC%

Do*,mentation "i*ro(oft !ffi*e

Proe*t "anagement "i*ro(oft Proe*t/ Wipro iP&$/ .P"C P7%Proe*t Comm,ni*ation Wipro Co*oon

8,alit' "anagement Wipro elo*i8

1nfra(tr,*t,re 9 %W

We3 ro:(er( 'etsc(pe '(vi$(tor 4.) (n& (bove%nternet *+plorer 5.) (n& (bove

We3 %erer &pa*+e We3 %erer

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The e)ort involved is appro


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Appendix


2.2 !ase Stud" 2 /nternet Banking )large (ank in &iddle -ast*

2.2.1 bout t#e Proect

This pro+ect is for one of the largest ban&s in the >iddle east

The pro+ect was to architect, design, develop and implement an *nternet 8an&ing

application.

?o *nternet ban&ing product was used, and this was a ground up development.

The new application would replace the e


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Appendix


>iddleware - T*84O

4ore ban&ing - 2? 8A?4

2.2.5 /e0 Solution e(tures 6eveloped using the truts framewor&.

The *65 used was WA6 9Websphere studio application developer;.

*nterface with T*84O using E>L over soc&ets.

/ighly scalable architecture.

ame application can be used over the *nternet as will as over touch screen

terminals 9&ios&s;.

2.2.! o&ules Develope&

The new *nternet ban&ing application cater to both retail as well as commercial

customers. The following are the ma+or functionalities available.

4onsolidated Account 8alance enquiries - including credit cards and 26s on one

screen

Advanced search option for Account statements to lter transactions as required.

2unds transfers

>ultiple 8ill 3ayments in one screen 9upto ;.

4redit card statements and balances

Online management of tanding *nstructions, sweeps and mandates

Online 4hange address

Online top cheque and cheque boo& request 6emand 6raft request

Telegraphic transfers, mail payments

Trade nance % L4s and Fuarantees

ecure 5 >ail

Transaction logs

4yber receipts

5any specially designed

features have been provided in the solution architecture to ma&e the application

robust and secure, some of which are



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Appendix


L through $'( bit encryption - L is implemented not only between the

browser and the web server, but also between the web server and the applicationserver.

*nput :alidations % The code is developed with all validations being done on the

application server in addition to the +avascript validations on the client browser.This ensures that even if the browser side +avascript is bypassed, the validation willhappen at the server.

>ultiple levels of security are provided in the application architecture - li&e

separate database users are created for the customer modules and the adminmodules, native H'55 authentication is provided through L6A3 etc.

ession maintenance - ecure mechanisms of session maintenance are provided.

This ensures that users can only access the pages through their own login, andonly the pages for which they have access. ession validity is chec& at everyrequest coming from the client browser.

2rom a business perspective BlimitsC are applied on the transactions, wherein the

amount of transactions per day can be limited. A very stringent access control mechanism is implemented using passwords and

3*?s for authenticating the user.

*n addition, every request coming from the client browser is validated for

authenticity with the master data in the database. Through this it is ensured thatthe user always gets only his own data.

ession timeouts, transaction roll bac&s and crash recovery mechanisms are

implemented to ensure that the user cannot Bbrea&outC from the application, evenwhen eore transactions are Online - deeper integration with the bac&end systems.

Dser friendly screens and navigation.

*ncreased functionality.

World class and as good as any other *nternet ban&ing application in the world.

calable robust and using the latest technology.

/ighly secure.



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Appendix


2.3 !ase Stud" 3 /nvestment Services ortal )leading (ank inS+*

The client is among the top three ban&s in the DA and provides nancial products

and services to @! million households and two million businesses.

2.3.1 "#e C#(llen$e

The 4lient *nvestment ervices 94*; of the ban&Cs Flobal 4orporate and *nvestment

8an&ing business planned to e


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Appendix


4ustomer service center *nformation 9procedures, instructions, rates;, template

and free form requests, web page based messaging.

3ermission users to access site services and administration 9create, maintain;

activities

2.3.3 "ec#nolo$0 (n& rc#itecture

Three databases are to be accessed, of which two of contain data replicated from

mainframes. The other contains the aggregation information and data feeds from

e


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Appendix


2.4 !ase Stud" 4 !ards &erc6ant ortal )'lo(al FinancialServices rovider*

The client is a global travel, nancial and networ& services provider. 2ounded in $(!,

the 4ompany serves individuals with charge and credit cards, Travelers 4heques and

other stored value products. *t also o)ers nancial planning, bro&erage services,

mutual funds, insurance and other investment products. The 4ompany also provides

ban&ing services to wealthy individuals, retail customers, corporations and nancial

institutions outside the Dnited tates.

2.4.1 Proect Scope

The client requirement was to create a sub%site for >erchant ervices on their D web

site, which would include the following services for their merchants.

1econciliation of payments The merchant can trac& payments on a daily basis and

can receive nancial data electronically.

1esolve 6isputes The merchant can respond to customer disputes online and

hence eliminate no reply chargebac&sM, be updated with new disputes throughemails and increase productivity by prioriti0ing customer disputes

>erchant 3role *nternet This is a complimentary service for the merchant

wherein aggregated mar&eting information about hisNher customers is provided.Top performing reports are provided online via a secure *nternet connection on aquarterly basis. 2rom these reports the merchants can get to &now more abouttheir customers and their spending habits.

Want to honor The merchant can enroll online to accept the clientCs card for

oneNmultipleNfranchise locations.

>erchant Online 4ustomer ervices applications 9>O4; This provides Online help

for merchants to set%up a new location to accept the clientCs credit cards, updatehis contact information with A>5E or review online transaction history.

They can enroll for new services online. On enrollment, they are provided an

authenticated logon facility.

2.4.2 Wipros Solution

Wipro has designed the complete front end for the site and the business layers for the

functions mentioned above. The site followed the n%tier model.

This site is being customi0ed for 4anadian requirements with multilingual support. This

includes support for two languages - 5nglish and 2rench. Two ma+or parts of the site,

the 6ata >anager 9it interfaces with the dispute and reconcile payments system; and

the Fateway 4omponent 9which interfaces with the Login, 5nrollment and the >O4

modules; have been developed in a manner which ma&es them reusable across

internationali0ed sites without rewor&. 3rototypes of this site are also in development

for other countries - Australia, D.. and 8ra0il. The team has gained e


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Appendix


2.4.3 "ec#nic(l *nvironment

**

>T

:isual 4PP

4O> N 64O>

:isual 8asic

A3

:8 cript

1emote 3ossible

KL erver

ybase

2.4.4 Beneits

>ore cost e)ective way to enroll new customers as well as perform customer care

functions.

The implementation reduced distribution and printing costs and increase revenue

by opening an electronic channel for delivering future revenue generatingservices.

*ncreased the usage of the clientCs cards.

41> and direct targeted mar&eting.



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Appendix


2.5 !ase Stud" 5 7 Billing for !as6 &anagement )leading S'lo(al Bank*

2.5.1 Proect Scope

The Hapan cash and trade operation does transaction processing for remittances in

local Nnon%resident yen accounts. ome transaction e


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Appendix


2.5.4 Beneits to t#e Client

8ring speed and mitigate pro+ect ris& through understanding of requirements,

iterative development process, quality driven development and fulll client specic

testing schedules

4ertied s&ills of the team in OO6, ybase

4ost e)ectiveness of o)shore development



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Appendix


2.8 !ase Stud" 8 # a"ment S"stems reengineering

4lient Leading 8an&ing and 2inancial ervices organisation based inwit0erland

rojectDescription

1e%engineering the processing system for one time payments

FunctionalDescription

One%time payment is an important payment type among othersli&e internal boo&ingI le based institutional payments, paymentorders arising from standing orders and those between the ban&and central ban&. This can be created through the branch, postbased instruction or electronic channel.

A scanned payment order is chec&ed and made complete 9if notalready; with respect to account, product and ris& information bya malltal& based business engine that accesses the host toaccess account, product and ris& information. A payment ordermay be sent to another system if there are debit warnings on thecustomer account. The decision returned by that system decidesif the payment will go ahead. The payment maybe sent same dayor stored it to be activated on value date 9timed payments;.

While performing e, 68'

Through system redesign the application throughput is to beincreased to cater to process $ million payment orders a wor&ingday.

Duration *n process

Wipro;s!ontri(ution

1edesign of payment engine and interfaces6evelopment and testing of redesigned system3ost implementation support

Bene


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Appendix


2.= !ase Stud" = Domestic Fund :ransfer processing s"stem

!lient + leading glo(al (anking organi>ation )among t6e top 3 in t6eorld*

rojectDescription

1eplacement development of the domestic fund transfer processingsystem in Hapan


The application transforms

3ayments originated by the ban&Cs various product processors into

standardi0ed electronic messages and pushes them to the Rengin9domestic clearing; networ&

1eceipts passed in by the Rengin networ& into credits to the

appropriate customer accounts

The primary business ob+ectives of the replacement was to

upport new Rengin th >essageN2ile protocol upport new features for inter%ban& commission, multiple intra%day

settlements 9not yet operational by Rengin;

3rovide better service to customers through timely information

3lan for business eapping/ntervention :ools

Fenerate messages from templates - inquiry, refund.

*nput nancial message from scratch 9if required;.

4all up and drill down to individual message detail

1esend N 1eprocess of messages

%eporting

*ntra%day online Transaction throughput, ?64 pro


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Appendix


5O> oQine 1evenue 9dayNmonth;, 3roductivity by 4ustomer

+ccounting

3rincipal amount

4ommission and ta< entries

S"stem Functions

6ata and 2ile /ouse&eeping

eparate >enu for 1outine and ad%hoc Operational and ystem

Tas&s

:ec6nolog" e" re0uirementscalability and 3erformance To support !,!!! outgoing and @!,!!!incoming messages per hour with business validations and routingbased on account number validation. The number of users is about $!!with '! concurrent.

Availability and fail over 2ull availability during Rengin transmissiontime. 4ontingency mechanism in place to send messages through lesin case of >essaging middleware failure. 2ull support for continuity ofbusiness by routing messages to Rengin through To&yo and Osa&a.

2ault tolerance >essage recovery, no single point of failure and databac&up

2leiddle Layer Hava

6ata Layer Oracle 7i tored 3rocedures

>essaging >iddleware >K eries v .'

Duration 2irst phase was completed in mid%?ovC!@ and second phase by mid%>arC!

Wipro;s

!ontri(ution

6etailed functional specications

6esign and Architecting of the new system 6evelopment, integration testing and acceptance support

Bene


24/27


25/27

Appendix


automatically initiated. The status of wor& in process is constantlyvisible to management, as is the production to%date. 3roductivitymeasures at the individual, wor& group, department and corporatelevel are similarly visible.

3eriodic reviews of all tas&s through automated sorting of applicationsby numerous user%dened criteria andNor data ranging. Kuality 4ontrolanalysts can re%create the process and identify individual usersresponsible for each phase and tas& completion. 8y trac&ingoverrides, e


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Appendix


2.@ !ase Stud" @ # +sset Finance s"stem for 'lo(al (ank6ead0uartered in

2or a global ban& headquartered in the Dnited ingdom, Wipro has developed a

4onsumer 2inance ystem that handles the complete life cycle of asset nanceproducts 9hire purchase and leasing; from origination to servicing and closure.

The &ey administration activities handled by the application include

8illing, payments, payo)s

1eporting and reconciliation

4ollections management, write%o)s

4ollateral management and disposal

Accounting entries 9to mainframe FL;

!lient + leading glo(al (anking organi>ation )among t6e top 3 in t6eorld*

rojectDescription

6esign and development of an asset nance system for emergingmar&et operations.


The focus is on asset nance for retail, small Nmid mar&et businessesand corporate customers.

The product o)erings range from hire%purchase, nancial leasing andoperational leasing products for

4onsumer nance for automobilesI

2inance for small businesses for machinery and peripherals

Larger advances for nancing construction equipment and Geets

This system was developed to handle the complete life cycle of assetnance from proposal to full repayment. These nancial products needto be highly locali0ed 9e.g. hire purchase and nancial leasing productsfor emerging mar&ets;. The &ey functionality of the system was

4apture data about loan request 9also from opportunity

management system;

4redit appraisal and approval 9interface with trategyWare;

3ricing and loan production

3ost%funding customer services 6ealer Nsupplier management

1eceipts, payments and ban& reconciliation

4ollections and write%o)s

4ollateral management and disposal

Accounting entries 9interface to mainframe FL;

ome of the &ey advantages delivered through the system

2aster time to mar&et for new products Npromotion schemes

6ecrease loan cycle time through improved front%to%bac& oJceinteraction resulting in better customer service and protability



27/27

Appendix


3arameteri0ed features to ensure that the system is languageN

regionN countryN currency independent

6iary feature for auto forward to in approval hierarchy

5Jcient control over delinquency processing

Ability to generate dynamic >* reports

*mproving customer &nowledge for mar&eting purposes

:ec6nolog" The system is implemented using a three%tier architecture with Hava asfront end, Webphere in the middle tier, AN!! for bac& end processingwith >K eries as the communication layer.

/ost environment 1=!!!, A!!

Application server Webphere

Language Hava, H3, ervlets, Hava 8eans, E>L, /T>L, 13F *:, 4L,

Havacript

2ramewor& W844% Webphere 8usiness 4omponent 4omposer >iddleware >K eries

6atabase 68'N !!, 68' D68

Tools :isual Age for Hava, : for conguration

Other products 8%afe for ecurity, Het 2orms for 1eporting

ey challenges

4hallenge in integration of Hava, >K eries and AN!!.

*ntegration of the /3L system with other e

appendix - banking finance experience

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