applications and systems
TRANSCRIPT
-
8/2/2019 Applications and Systems
1/23
Applications and Systems Analysis
-
8/2/2019 Applications and Systems
2/23
1
Target Architecture
The IB Operations Strategy
The IT target applications and systems architecture is driven by the IB Operations Strategy
Revenue generation, control and efficiency improvementsdrive the future IT landscape
To support the Ops Strategy pillars the IT investments requiredto define the architecture have to be prioritised based on:
1. Revenue generation
2. Control3. Efficiency
ClientService
Control &Compliance
ProductivityImprovement
Cost Control
IB Operations Strategy is based on 4 pillars
-
8/2/2019 Applications and Systems
3/23
2
Target ArchitectureThe Operations Strategic IT Architecture
Develop common Pre-Settlement functions across asset classes.
Consolidate the settlement processing platforms to the best of breed per asset class.
Create common services for the external connectivity, static data, etc.
Consolidate the cash & position liquidity activities.
Standardize the control functions with intelligent exception handling and process management tools to integrate the process chainacross all the asset classes.
To achieve the revenue generation, the control and efficiency improvements the following principles have to be applied:
-
8/2/2019 Applications and Systems
4/23
3
Target Architecture
The High-level IT Target Architecture
Bold/Italic: Applications
Static Data
MasterfilesMistral
ops|static
CorporateEventsCAM
ClientConnectivityops|tracker
Trade capture / allocation / enrichment -AE / ClearvisionStructures -Structured Trade Register / TeamWorksDocumentation -TrACE / Saperion / InboundReporting - ARIES
ETDGMI OTC DerivsSummit Flow products(Securities,FX/MM) +
Commodities
Calypso +CATS
LendingACBS
Cash / Liquidity Mgmt -Cash NavigatorPayments -DKIB Payment Service
Banking -Quartz + PB Services
Front-Office
Finance
BPMTeamWorks
ControlGMT
Cross Common Services Process ManagementSettlement Processing
The following diagram shows the potential IT target architecture by the end of 2008:
Cross Asset Services
-
8/2/2019 Applications and Systems
5/23
4
StaticDataMasterfiles
Mistralops|static
CorporateEvents
CAM
ClientConnectivityops|tracker
Trade capture / allocation / enrichment -AE /ClearvisionStructures - StructuredTrade Register /TeamWorksDocumentation -TrACE/Saperion /InboundReporting -ARIES
ETDGMI
OTC DerivsSummit
Flow products(Securities,FX/MM)+
Commodities
Calypso+CATS
LendingACBS
Cash / Liquidity Mgmt - CashNavigatorPayments - DKIB PaymentServiceBanking -Quartz+ PB Services
Front-Office
Finance
BPMTeamWorks
ControlGMT
Target Architecture
Cross Common Services Progress and Next Steps*
Service Progress to Date Main Next Steps
Static Data/Reference Data Ops|static implemented as source of
detailed counterparty Ops|static subscribers extended to cover:
Calypso Sec / Calypso FX / CATS /
Kondor / Fidessa / Martini / RIBS
Bulk of systems now using other strategiccomponents (e.g. Masterfiles / HierarchyManager) some specific exceptions
(POSTS / GMI / RIBS)
Continue extending core static components
Extend usage of ops|static across other flows
Potential project to merge Mistral into ops|static
Migrate maintenance of DKSL counterparty
data to ops|static as part of LCS
Look to leverage ops|static further as a datasource for FBAS / IDE
The IT Ops projects aim to create common services for the external connectivity, static data, and corporate events.
The projects are primarily focussing on improving the static data services.
* more detailed information can be found in the file - Ops IT Strategy Apps landscape V5 4.ppt provided by John Orton
-
8/2/2019 Applications and Systems
6/23
5
StaticDataMasterfiles
Mistralops|static
CorporateEvents
CAM
ClientConnectivityops|tracker
Trade capture / allocation / enrichment -AE /ClearvisionStructures - StructuredTrade Register /TeamWorksDocumentation -TrACE/Saperion /InboundReporting -ARIES
ETDGMI
OTC DerivsSummit
Flow products(Securities,FX/MM)+
Commodities
Calypso+CATS
LendingACBS
Cash / Liquidity Mgmt - CashNavigatorPayments - DKIB PaymentServiceBanking -Quartz+ PB Services
Front-Office
Finance
BPMTeamWorks
ControlGMT
Target Architecture
Cross Asset Services
The IT Ops projects related to the cross asset services aim at creating common services by:
Supporting the development of high margin structured transactions business through better management of structured transactions.
Developing a flexible platform to create, distribute, store, and process documents.
-
8/2/2019 Applications and Systems
7/23
6
StaticDataMasterfiles
Mistralops|static
CorporateEvents
CAM
ClientConnectivityops|tracker
Trade capture / allocation / enrichment -AE /ClearvisionStructures - StructuredTrade Register /TeamWorksDocumentation -TrACE/Saperion /InboundReporting -ARIES
ETDGMI
OTC DerivsSummit
Flow products(Securities,FX/MM)+
Commodities
Calypso+CATS
LendingACBS
Cash / Liquidity Mgmt - CashNavigatorPayments - DKIB PaymentServiceBanking -Quartz+ PB Services
Front-Office
Finance
BPMTeamWorks
ControlGMT
Target Architecture
Cross Asset Services Progress and Next Steps*
Product Progress to Date Main Next Steps
Structures Delivered Structured Trade Register
Implemented various tools, interfaces and
checks to ensure & improve data quality inthe STR
Established Process Managementplatform and workflows
Established a scalable architecture with
improved control around structures
Enhancements for wider product cover andfunctionality
On-going initiatives to deal with new structuresand improve processes
Make method and technology available for otherinitiatives
Documentation OTC Conf Engine (using Documentum)developed providing document workflowfor complex derivatives confirmation
Transaction Confirmation Engine (TraCE)for document dispatching via SWIFT, fax,mail or print
Saperion (Carsys) electronic archive
integrated to Conf Engine, TraCE andTeamWorks
Inbound suite introduced 2007 to convert
inbound fax / text to structured electronicdata for automated processing. Links toTraCE / Saperion
Complete integration (e.g. further availability ofWeb Services)
Further rollout for document related workflows
and wider coverage of documents in the archive
* more detailed information can be found in the file - Ops IT Strategy Apps landscape V5 4.ppt provided by John Orton
-
8/2/2019 Applications and Systems
8/23
7
StaticDataMasterfiles
Mistralops|static
CorporateEvents
CAM
ClientConnectivityops|tracker
Trade capture / allocation / enrichment -AE /ClearvisionStructures - StructuredTrade Register /TeamWorksDocumentation -TrACE/Saperion /InboundReporting -ARIES
ETDGMI
OTC DerivsSummit
Flow products(Securities,FX/MM)+
Commodities
Calypso+CATS
LendingACBS
Cash / Liquidity Mgmt - CashNavigatorPayments - DKIB PaymentServiceBanking -Quartz+ PB Services
Front-Office
Finance
BPMTeamWorks
ControlGMT
Target Architecture
Settlement Processing Benefits and Disadvantages
Based on the principle of consolidating the settlement processing platforms the following benefits and disadvantages have been indentified:
Benefits:
Overall lower IT cost base only 1 infrastructure to support / 1 vendor to manage.
A single and consistent application framework across business functions allowing greater flexibility of IT development.
Less need for service providers results in a cleaner architecture and in reduced maintenance.
Common skills and knowledge for production applications result in flexibility to move users across functions & asset classes due toa shorter learning curve.
Optimisation of the overhead on standard functions maintaining holiday calendars / static / market data and standard interfaces.
Disadvantages:
Vendor concentration risk.
Interdependencies across business streams and more formality in change.
Increased operational risk in event of failure.
-
8/2/2019 Applications and Systems
9/23
8
StaticDataMasterfiles
Mistralops|static
CorporateEvents
CAM
ClientConnectivityops|tracker
Trade capture / allocation / enrichment -AE /ClearvisionStructures - StructuredTrade Register /TeamWorksDocumentation -TrACE/Saperion /InboundReporting -ARIES
ETDGMI
OTC DerivsSummit
Flow products(Securities,FX/MM)+
Commodities
Calypso+CATS
LendingACBS
Cash / Liquidity Mgmt - CashNavigatorPayments - DKIB PaymentServiceBanking -Quartz+ PB Services
Front-Office
Finance
BPMTeamWorks
ControlGMT
Target Architecture
Settlement Processing Interim Solution
To consolidate the settlement processing platforms a 2 step approach has been chosen:
An initial consolidation within each product group is planned. The following architecture is aimed at:
The decommissioning of all the applications and consolidation into Calypso is planned approximately by the end of 2012:
ETD
GMIOTC Derivs
SummitSecurities,FX/MM +
CommoditiesCalypso +
CATS
Lending
ACBS
ETD
Calypso*
OTC Derivs
Calypso
Securities,FX/MM +
Commodities
Calypso
Lending
Calypso*
To reduce the operational risk the transformation of the settlement platform requires a phased approach
1
2
* Most probable evolution
-
8/2/2019 Applications and Systems
10/23
9
StaticDataMasterfiles
Mistralops|static
CorporateEvents
CAM
ClientConnectivityops|tracker
Trade capture / allocation / enrichment -AE /ClearvisionStructures - StructuredTrade Register /TeamWorksDocumentation -TrACE/Saperion /InboundReporting -ARIES
ETDGMI
OTC DerivsSummit
Flow products(Securities,FX/MM)+
Commodities
Calypso+CATS
LendingACBS
Cash / Liquidity Mgmt - CashNavigatorPayments - DKIB PaymentServiceBanking -Quartz+ PB Services
Front-Office
Finance
BPMTeamWorks
ControlGMT
Target Architecture
Settlement Processing Main Projects
FX / MM and commodities onto Calypso FX / MM and global rollout in parallel with ANLOS decommission
OTC derivatives onto Summit
European Securities processing onto AE / Calypso Securities / CATS
Complete the migration of EMP business from Ubitrade to Clearvision / GMI and rollout to emerging markets
Consolidation of lending business onto ACBS
Calypso was the strategic choice established in 2002 based on:
The breadth of asset class covered
A more advanced open technology
The vendor relationship.
5 main projects are required to develop the initial parallel consolidation of the settlement processing platforms:1
2
-
8/2/2019 Applications and Systems
11/23
10
StaticDataMasterfiles
Mistralops|static
CorporateEvents
CAM
ClientConnectivityops|tracker
Trade capture / allocation / enrichment -AE /ClearvisionStructures - StructuredTrade Register /TeamWorksDocumentation -TrACE/Saperion /InboundReporting -ARIES
ETDGMI
OTC DerivsSummit
Flow products(Securities,FX/MM)+
Commodities
Calypso+CATS
LendingACBS
Cash / Liquidity Mgmt - CashNavigatorPayments - DKIB PaymentServiceBanking -Quartz+ PB Services
Front-Office
Finance
BPMTeamWorks
ControlGMT
Target Architecture
Settlement Processing Progress and Next Steps*
Product Progress to date Main Next Steps
ETD Clearvision / GMI installed in London
Reliance programme completed(Swapclear / Repoclear, clearing strategy)
Decommissioning of legacy Derivate Pool
Completion of migration of remaining DK FFTbusiness onto GMI/Clearvision
Support for US FCM project in NY on GMI
OTC Derivatives Summit installed for interest derivatives2000 to replace Devon 2.34
Extended for Credit Derivatives 2004 andhybrid structures with MUST module 2005
Migration of FX-Derivatives & Equity Derivatives
Decommissioning of legacy infrastructure
Roll out to St. Petersburg/Moscow
FX/MM Calypso installed for FX / MM 2001 2003
Roll out to DrKW Ltd 2005
Roll out to DK Japan Securities 2007
London Calypso Securities Programme: POSTS /RIBS replaced by Calypso
Global Corporate Actions processing solutionbased on CATS/CAM
Lending ACBS deployed in Ldn, NY, Lux 2003
User operations centrlised into
Luxembourg 2006
Focus on standardizing the ACBS processing
Support for the Global SAP pilot project in LX
Support for Secondary Loan Trading
* more detailed information can be found in the file - Ops IT Strategy Apps landscape V5 4.ppt provided by John Orton
-
8/2/2019 Applications and Systems
12/23
11
StaticDataMasterfiles
Mistralops|static
CorporateEvents
CAM
ClientConnectivityops|tracker
Trade capture / allocation / enrichment -AE /ClearvisionStructures - StructuredTrade Register /TeamWorksDocumentation -TrACE/Saperion /InboundReporting -ARIES
ETDGMI
OTC DerivsSummit
Flow products(Securities,FX/MM)+
Commodities
Calypso+CATS
LendingACBS
Cash / Liquidity Mgmt - CashNavigatorPayments - DKIB PaymentServiceBanking -Quartz+ PB Services
Front-Office
Finance
BPMTeamWorks
ControlGMT
The IT Ops projects related to the payment and liquidity management aim to consolidate the cash & position liquidity activities by:
Providing a state of the art Cash (intraday & overnight liquidity) Management solution based on Cash Navigator allowing regional
Operations hubs.
Providing a common payment platform for all DKIB business areas.
To achieve these goals*:
GPP was chosen as the DKIB standard and installed at DrKW Ltd as part the of AIMS decommission and integrated with CashNavigator as part of the London rollout
A further rollout is planned to support Calypso / Summit rollouts, and a tactical use to overcome operational risk in manual payment
processing in selected sites
The ANLOS decommission has chosen a new Banking package Temenos T24 with payment functionality to suite Corporate Bankingrequirements direct debits / mass payments / local clearing / SEPA compliance and International Cash Management support
Target Architecture
Payment & Liquidity Management
* more detailed information can be found in the file - Ops IT Strategy Apps landscape V5 4.ppt provided by John Orton
-
8/2/2019 Applications and Systems
13/23
12
StaticDataMasterfiles
Mistralops|static
CorporateEvents
CAM
ClientConnectivityops|tracker
Trade capture / allocation / enrichment -AE /ClearvisionStructures - StructuredTrade Register /TeamWorksDocumentation -TrACE/Saperion /InboundReporting -ARIES
ETDGMI
OTC DerivsSummit
Flow products(Securities,FX/MM)+
Commodities
Calypso+CATS
LendingACBS
Cash / Liquidity Mgmt - CashNavigatorPayments - DKIB PaymentServiceBanking -Quartz+ PB Services
Front-Office
Finance
BPMTeamWorks
ControlGMT
Target Architecture
Payment & Liquidity Management Progress and Next Steps*
Product Progress to Date Main Next Steps
Cash & Liquidity Management Cash Navigator live in FFT
Roll out to London 3 entities to replace
ANLOS / POSTS / manual processing,integrated with GPP
Global roll out to be prioritized
Payments Global PayPlus (GPP) installed in DrKW
Introduced to other London entities with
Cash Navigator for sweeping and manualpayments
Manual payment processing automatedwith Teamworks process
Rollout with Calypso FX/MM
Alignment with Bridge (Bridge) project to
establish one standard payment and receiptgateway for all DKIB business including CBrequirements (mass payments / SEPA)
One gateway to SWIFT & Clearing systems
Banking Quartz in Ldn 2005 as part of AIMSdecommission
Introduce a new core banking solution TemenosT24 to replace Quartz 2009 and ANLOS
* more detailed information can be found in the file - Ops IT Strategy Apps landscape V5 4.ppt provided by John Orton
-
8/2/2019 Applications and Systems
14/23
13
StaticDataMasterfiles
Mistralops|static
CorporateEvents
CAM
ClientConnectivityops|tracker
Trade capture / allocation / enrichment -AE /ClearvisionStructures - StructuredTrade Register /TeamWorksDocumentation -TrACE/Saperion /InboundReporting -ARIES
ETDGMI
OTC DerivsSummit
Flow products(Securities,FX/MM)+
Commodities
Calypso+CATS
LendingACBS
Cash / Liquidity Mgmt - CashNavigatorPayments - DKIB PaymentServiceBanking -Quartz+ PB Services
Front-Office
Finance
BPMTeamWorks
ControlGMT
Target Architecture
Process Management
The IT Ops projects related to the process management aim to standardise the control functions and to provide an enterprise widesolution for managing manual work arising from non STP process flow.
To achieve these goals*:
The controls process will evolve to a proactive, error avoidance intelligent exception process by creating one single technology
platform based on City Networks Enterprise Reconciliation with a common integrated exception handling based on CityNetworks
Proactive and encompassing intelligent process improvement using TeamWorks business process management.
* more detailed information can be found in the file - Ops IT Strategy Apps landscape V5 4.ppt provided by John Orton
-
8/2/2019 Applications and Systems
15/23
14
StaticDataMasterfiles
Mistralops|static
CorporateEvents
CAM
ClientConnectivityops|tracker
Trade capture / allocation / enrichment -AE /ClearvisionStructures - StructuredTrade Register /TeamWorksDocumentation -TrACE/Saperion /InboundReporting -ARIES
ETDGMI
OTC DerivsSummit
Flow products(Securities,FX/MM)+
Commodities
Calypso+CATS
LendingACBS
Cash / Liquidity Mgmt - CashNavigatorPayments - DKIB PaymentServiceBanking -Quartz+ PB Services
Front-Office
Finance
BPMTeamWorks
ControlGMT
Target Architecture
Process Management Progress and Next Steps*
Process Progress to date Main Next Steps
Controls GRASS deployed to cover mostintersystem reconciliations
GMT platform (CityNetworks EnterpriseReconciliation & Proactive (investigationtool)) chosen as strategic tool andimplemented in London for Cash recs
2007
1st use of GMT for real time paymentmonitoring at Bundesbank clearing
account in conjunction with CashNavigator
Deployment of first case exceptionhandling in Proactive Nov 2007
Consolidate processing on to GMT platform
Business Process Mgt Teamworks selected and live for managingmanual aspects of processing structuredtransactions and manual payments 2006 /
2007
Development of Smart Exception Manager aspart of LCS program
Roll out to other asset classes
* more detailed information can be found in the file - Ops IT Strategy Apps landscape V5 4.ppt provided by John Orton
-
8/2/2019 Applications and Systems
16/23
15
StaticDataMasterfiles
Mistralops|static
CorporateEvents
CAM
ClientConnectivityops|tracker
Trade capture / allocation / enrichment -AE /ClearvisionStructures - StructuredTrade Register /TeamWorksDocumentation -TrACE/Saperion /InboundReporting -ARIES
ETDGMI
OTC DerivsSummit
Flow products(Securities,FX/MM)+
Commodities
Calypso+CATS
LendingACBS
Cash / Liquidity Mgmt - CashNavigatorPayments - DKIB PaymentServiceBanking -Quartz+ PB Services
Front-Office
Finance
BPMTeamWorks
ControlGMT
Target Architecture
Main IT Projects London Cash Securities
Description
Benefits
3 main initiatives:
Develop one single securities platform based on Calypso
Build a prototype Smart Exceptions Management (SEM) model
Develop a Crest self clearing model for FFT and a Clearstream self clearing model for London
Deadline (approx.)
3 main initiatives:
1. April 2009
2. Aug. 2008
3. Oct. 2008
Rationale
Legacy POSTS and RIBS systems are expensive to run and maintain. Consolidation onto the Calypso standard will reduce runningcosts and enable business and operational efficiencies
Total cost reduction will be9.9m p.a. across Capital Markets, Operations and Technology (net of incremental new Calypso sustaining
costs) following delivery of this project
The imperative for cost reduction has been illustrated by Mercer Oliver Wyman, Z/Yen benchmarking and internal IT and Operationsanalysis. This heightens the need for a major reduction in operational and technology costs to which this programme contributes
significantly
Total Cost of Ownership 24,039k EUR Return on investment 200%
NPV 19,768k EUR Payback period 63 months
Source: LCS PMO 11th Dec 2007 v0 1 MI.ppt
-
8/2/2019 Applications and Systems
17/23
16
StaticDataMasterfiles
Mistralops|static
CorporateEvents
CAM
ClientConnectivityops|tracker
Trade capture / allocation / enrichment -AE /ClearvisionStructures - StructuredTrade Register /TeamWorksDocumentation -TrACE/Saperion /InboundReporting -ARIES
ETDGMI
OTC DerivsSummit
Flow products(Securities,FX/MM)+
Commodities
Calypso+CATS
LendingACBS
Cash / Liquidity Mgmt - CashNavigatorPayments - DKIB PaymentServiceBanking -Quartz+ PB Services
Front-Office
Finance
BPMTeamWorks
ControlGMT
Description
Target Architecture
Main IT Projects FX/MM Calypso
Benefits
The transfer of FX and MM processing from ANLOS to Calypso, realising operational synergies.
The transfer of FX sell off process from Finance to Front Office, reducing operational risk
Deadline (approx.)
FX: Nov. 2007
MM: Apr. 2008
Rationale
This will provide benefits to both Finance (resolve audit point of moving FX sell-off to Front Office) and Operations (increased control ofthe settlement processes and removal of manual intervention which is an Operational Risk)
Total Cost of Ownership 982k EUR Return on investment 123%
NPV N/A Payback period 24 months
Source: PMO FX MM Calypso 2007-07-10.ppt
-
8/2/2019 Applications and Systems
18/23
17
StaticDataMasterfiles
Mistralops|static
CorporateEvents
CAM
ClientConnectivityops|tracker
Trade capture / allocation / enrichment -AE /ClearvisionStructures - StructuredTrade Register /TeamWorksDocumentation -TrACE/Saperion /InboundReporting -ARIES
ETDGMI
OTC DerivsSummit
Flow products(Securities,FX/MM)+
Commodities
Calypso+CATS
LendingACBS
Cash / Liquidity Mgmt - CashNavigatorPayments - DKIB PaymentServiceBanking -Quartz+ PB Services
Front-Office
Finance
BPMTeamWorks
ControlGMT
Description
Target Architecture
Main IT Projects GMT
Benefits
The implementation is based on the further roll out of the GMT platform
Roll out further Cash Rec investigation processes in London
Implement and roll out Interest Claims New World, a globally consistent interest claims processcovering all relevant business areas in London and Frankfurt
Replacement of SkonIT in FFT for the investigation and reporting of stock and cash breaks
Develop new EMP intersystem reconciliations and related investigation workflows
Deadline (approx.)
June 2008
Sep. 2008
Dec. 2008
Dec. 2008
Rationale
Increase control and operational risk
Reduce operational costs
Implement streamlined and transparent processes
Alignment with GMT strategy platform
Total Cost of Ownership 1,236k EUR Return on investment 315%
NPV 3,158k EUR Payback period 12 months
Source: GMT Europe Dresdner Kleinwort PMO Project presentation 20071129 review.ppt
-
8/2/2019 Applications and Systems
19/23
18
StaticDataMasterfiles
Mistralops|static
CorporateEvents
CAM
ClientConnectivityops|tracker
Trade capture / allocation / enrichment -AE /ClearvisionStructures - StructuredTrade Register /TeamWorksDocumentation -TrACE/Saperion /InboundReporting -ARIES
ETDGMI
OTC DerivsSummit
Flow products(Securities,FX/MM)+
Commodities
Calypso+CATS
LendingACBS
Cash / Liquidity Mgmt - CashNavigatorPayments - DKIB PaymentServiceBanking -Quartz+ PB Services
Front-Office
Finance
BPMTeamWorks
ControlGMT
Target Architecture
Main IT Projects OTC Equities Processing into Summit
Description
Benefits
Replace Murex Equity and the supporting infrastructure by using the existing Summit system (usedfor the processing of OTC IRD, OTC FX Options and Credit Derivatives) to process OTC Equity
Derivatives. It is planned to integrate the processing of OTC Derivatives into one team in FFT.
Deadline (approx.)
Rationale
Support the settlement process for the changed trading profile, risk reduction, fulfil internal and external regulatory requirements,robust platform, greater flexibility towards future challenges in volume and complexity. Without this investment the volume andcomplexity growth planned by the business cannot be supported.
Total Cost of Ownership 4,073 k EUR Return on investment 188 %
NPV 6,004 k EUR Payback period 25 months
Source: Dresdner Kleinwort PMO Project presentation Equities V1 7.ppt
-
8/2/2019 Applications and Systems
20/23
19
The Baseline 2
The Projects 14
The Priorities 23
The Target Architecture 28
The Next Steps 43
Appendix 45
Content
Section Slide
-
8/2/2019 Applications and Systems
21/23
20
The Next Steps
Detail the major projects
Provide updated figures on savings and investments
-
8/2/2019 Applications and Systems
22/23
Appendix
-
8/2/2019 Applications and Systems
23/23
22
The Ops Processes
Top Down Processes
Trading
Enhancement of Trade Capture
Confirmation & Documentation
Settlment & Payments
Brokerage, DRE, Other payments & Billing
Positions
Key Events Management
Collateral Management
Position Management
Cash Management
Margining
End of Lifecycle
Expiry
Unwinding / Sale
Management
Continuous Improvement
Management Information & Reporting
Support
Reference Data
Reconciliation
Investigation
Claims Customer Support
Risk Analysis, Compliance, Audit Confirms
The following processes have been defined during the Top Down approach: