Wipro in Banking

1 ©
© 2014
2014 WIPRO
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 BFSI is the largest business unit at Wipro …

26.2%
BFS
Banking & Financial
Services
SCM
Securities & Capital
Markets
Insurance 1.9
BILLION
2 8 , 0 0 0 C O N S U LTA N T S FS REVENUE
Authorization, Clearing and
Settlement of 50 million cards
Involving over $2.5 trillion

30.1% of the trading volume in

US Equity & OTC Derivatives
18 $50+ M market
Clients
$100 M + 8 of the top 10 investment
Clients banks

12 of Top 25 Global Insurance

Groups

22 © 2014 WIPRO LTD | WWW.WIPRO.COM | CONFIDENTIAL 5 of the top 6 Brokerages

With Banking being the largest contributor to BFSI

INCLUDING:
• 6 of the top 10 US

1.130 Banks
• 2 of the top 2
Australian banks
BILLION
• 4 of the top 6 banks in
BANKING REVENUE UK
• 2 of the top 4 banks in
18,000+ CONSULTANTS South Africa
50+ • 9 of the top 20 US
CUSTOMERS Banks by Consolidated
Assets
• 8 of the top 10 EU
Banks by Assets

• SIMPLIFICATION

• INFRASTRUCTURE

• TESTING

FOCUS AREAS • DIGITIZATION

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 Market trends and Wipro Focus Areas

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Banks expectations from the ‘Run’ side of the
Business continues to increase

 Reliable & Stable IT are fundamental to the CIO

 Continuous reduction in TCO1 & improving quality year

on year
Business
Imperatives  ‘Digital’ driving need for Agile & Integrated Processes
Expectations from IT (CIO) to add more business value

 Technologies such as AI2 enabling Hyper-automation

 Dev-ops
 Automation driven by the need for quick releases &
faster time to market
Technology
Imperatives  Infrastructure Consolidation & Virtualization
 Rationalization of Application landscape
 Big data/Analytics need leveraging core Enterprise data

1. Total Cost of Ownership

2. Artificial Intelligence

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While the 'Change’ side of business is also seeing significant
churn…

 Rise of the Digital Economy – ‘Online’.

 Internet of Everything - Building new customer
experiences, revenue streams & driving productivity /
efficiencies
Business  New Buyers & Influencers1 e.g. CMO, CDO, CCO
Trends
 Disruptive Business Models e.g. Uber, AirBnB
 Empowered & Informed customers

 Data centric Enterprise - From Insights to Action

 Open source - Agility and lower TCO2
 Dev-Ops - Faster time to market
Technology
 Smart Devices & Machines (Internet of Things)
Trends
 Software Defined Everything - Intelligence moving from
Hardware to Software

1. Chief Marketing Officer, Chief Data Officer, Chief

Customer Officer
2. Total Cost of Ownership

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 Driven by Multi- dimensional Disruption in the Banking
Sector
RESEARCHES ONLINE
DEMANDS VALUE ADDED SERVICE EXPECTS
HYPER INFORMED
SEAMLESS EXPERIENCE
CUSTOMER
INFLUENCED BY PEERS
LOW STICKINESS/SWITCHES FAST

NEW FINTECH ENTRANTS

NEW
BANK DISINTERMEDIATION
COMPETITION
NEW ONLINE ONLY PRODUCTS

TECHNOLOGY
BIG DATA
CLOUD GO
SOCIAL MEDIA
ANALYTICS DIGITAL?
PRICING PRESSURE
REGULATION DISCLOSURES
CAPITAL REQUIREMENTS

COMMODITIZED
THE PRODUCT
MOVING AWAY FROM BANKS

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This is Resulting in Technology initiatives like…
TECHNOLOGY INITIATIVES TECHNOLOGY INITIATIVES

CROSS CHANNEL CONTENT MANAGEMENT WORKFLOW AUTOMATION

CLICK STREAM ANALYSIS SERVICE ORCHESTRATION
CONTENT TEST & TARGET (A/B TESTING) PROCESS ENTERPRISE SERVICE BUS
STRATEGY DYNAMIC CONTENT RENDERING STRATEGY
RULES ENGINE
CONTENT MIGRATION E-DOCUMENTS
STORAGE

CONSISTENT BRAND EXPERIENCE

CLOUD TECHNOLOGIES
INFORMATION ARCHITECTURE
INFRASTR DIGITAL RESILIENCY
UX UI PERFORMANCE
UCTURE INTEGRATION WITH PARTNER PRODUCTS
STRATEGY RESPONSIVE DESIGN
STRATEGY
GAMIFICATION
SEARCH ENGINE OPTIMIZATION

OMNI-CHANNEL
BIG DATA
MOBILE APPS
DATA MASTER DATA MANAGEMENT (MDM)
CHANNEL BRANCH TECHNOLOGY
ANALYTICS CUSTOMER BEHAVIOR ANALYSIS
STRATEGY MARKETING AUTOMATION
STRATEGY CUSTOMER PROFITABILITY
SOCIAL MEDIA INTEGRATION
CHANNEL PROFITABILITY

CROSS CHANNEL CONTENT MANAGEMENT

BIOMETRICS / RETINAL SCANNING RISK CLICK STREAM ANALYSIS
SECURITY MANAGEM TEST & TARGET (A/B TESTING)
ADVANCED AUTHENTICATION
STRATEGY ENT
INTEGRATION WITH TOUCH ID CONTENT MIGRATION
STRATEGY
STORAGE

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 To address these changes we are heavily
focusing on following areas…
2. Channels : Customer
1. Emerging Core 3. Credit : Lending & Mortgage
interactions and engagement
Driving an efficient core is key for An Integrated platform & BPO
Enabling the Banks to engage with
driving transformation and agility services for retail lending and
Driving an efficient core is key for driving customers in the Digital age An Integrated platform & BPO services
transformationin and
banksagility in banks mortgages to achieve
for retail lending scale and
and mortgages to
through
•• FinTech revolutionpushing
FinTech revolution pushing forfor
STP efficiency
achieve scale through automation,
and efficiency through
• STP
Transactions: Error free, Low touch, digitization
automation, digitization
• Omni-channel based sales &
• Transactions:
Transparent Error free, Low • Competitive online marketplace
servicing capabilities
• touch, Transparent
Efficiencies through back office • Competitive onlineautomation
Process disruption, marketplace
• Next-gen marketing capabilities.
• Efficienciesand
digitization through back office
automation • Process disruption,
High touch across loanautomation
cycle
• Modular banking approach for • Digitized & automated services, • Need based product terms
digitization and automation High touch across loan cycle
accelerated services products. •• Advanced credit scoring models
• Modular banking approach for Need based product terms
• Adopting “API” “2 speed • Deep customer Insights, •• Highly automated u/w processes
accelerated services Advanced credit scoring models
architecture” • Fintech collaboration and eco- •• Transform middleware
• Adopting “API” “2 speed Highly automated u/w processes
system play
architecture” • Transform middleware

4. Payments 5. Corporate banking 6. Risk & Compliance

Enabling the Banks to address the

Enabling the Banks to address the
Global services addressing key
disruptive innovation in payments
disruptive issues in transaction banking
and stay innovation in payments
at the fore-front and
across
stay at the fore-front across payments
payments value-chain and retail Solutions to address the complex
value-chain and retail customers
and wholesales • Shift in international trade flows
and wholesales and myriad regulatory
customers • Multi-bank liquidity mgmt. with cash
forecasting requirements through unique
• Alternative networks, currencies combination of data, advice and
• Alternative networks, currencies • Financial supply chain
••Real-time payments execution capabilities.
Real-time payments • Automation on client on-boarding,
••
Digital wallets,payment
Digital wallets, payment tokenization Recon
tokenization
• Payments data & analytics • CRM rehash, Mobility
• Payments data & analytics

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 And building our Product & Solution Stack to address
evolving needs of our Banking Customers

PLATFORMS & UTILITIES AUTOMATION & EFFICIENCY ANALYTICS AND INSIGHTS

 Wipro Gallagher  ServiceNXT™  Opera

Solutions for loan
origination systems
 Opus for risk
management and quality
control of mortgages
 Post Trade Recon with
LSE
 FixOmatic™  Digital Marketing
 VirtuaDesk™
 Automated Onboarding
 Process frameworks
across business areas

 SWIFT ExamenTM

OMNI-CHANNEL RISK & COMPLIANCE

 SmartOffers  Regulatory Reporting

 Wealth Management on Tablet  FATCA Compliance

 BASEL III

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 Backed by a Sound Strategy for BFS

LOCATION STRATEGY IMPROVING OUTREACH

 Increase base and presence  Dedicated focus towards
in traditionally strong areas Analyst and Advisor
community
 Growing focus and
investments in Canada,  FS Partner joint GTM
Ireland, Nordics initiatives – Oracle, Opera

 Hospitality and Charity for

CXO connect

INCREASING ”SKIN IN THE CLOSING THE GAPS WITH

GAME” PARTNERSHIPS & M&A
 Large deal focused pursuit  Forging new partnerships -
through aggressive pricing FirstData, Axiom, Fundtech
and innovative deal construct and few others..

 Innovative Utility based pricing  Differentiated M&A: Opus,

model Wipro Gallagher services

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 Experience and Case Studies

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Areas of strength in Banking
Omni-Channel Digitization:
(Consulting, ADM)
Offer compelling experience across channels
Maximize value from investments

Analytics/ Insights:
(Consulting, ADM)
Derive insights from data
Analysis to increase revenues/reduce costs

Vendor Consolidation, Testing, Infra Consolidation

Simplification – Automate & simplify business

process, Core-processing Transformation, Payments
Transformation
(Consulting, BPM, SI, BPO, Testing, ADM)

Infrastructure – Infra designed for specific volumes,

business resilience & tied to business outcomes
(DC Consolidation, Resilience consulting, Support)

Risk and Compliance - understand, plan and respond

to new and changing regulations
(Consulting, ADM, Testing)

Platforms and Utilities - develop utilities which offer

clients cost-effective services

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Our customers are engaging with us in areas
beyond the traditional scope of outsourcing

Partnership Themes
Value Creation

What’s
Next?  Broad-based & across the
value chain
 Transparent
 Simplified &
Standardized  De-risk business
Processes and  Financial constructs aligned to
• Complex Business Systems
Processes business objectives
 Digital adoption to
• Multiple hand-offs enhance customer
experience
• Manual activities
 Labor arbitrage  Shared Services
• Several Systems
 Staff Aug model  Variabilize costs

Zone of turbo charge

Zone of diminishing return Time to rethink Transformation & Continuous Improvements
return

Time Frame
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Case Study 1- Value creation for one of the largest Global Banks

Client Objectives Strategic Initiative Benefits

Captive Asset Monetization

 Wipro monetized the bank with
upfront cash of $125M
Divestment of a captive IT
 Wipro's integration program ensured
facility of 1800 employees
Simplification 99% offer acceptance
(600 Infra +1200 Appln.)
Investment Lower TCO  DC consolidation & transformation
Data Center Optimization
Neutral exercise drove TCO benefits in
Achieve Cost
Transformation Certainty excess of 30%.
Consolidation of 70 data
 Wipro acquired one of the client
Monetize Assets
centers into 20, improve
data centers resulting into capital
& Business server utilization and reduce
release which self-funded the
energy consumption levels
transformation program
Large
Simplification  Wipro helped reduce application
Multinational
estate by 70%, created a single
Financial
Modernized, simplified and front end and minimized down time
Corporation
standardized its core banking  To de-risk the bank and enable this
and cards processing transformation, Wipro rebadged
People Risk platforms globally (across 1000+ resources from a vendor with
50+ countries) Vision Plus Capability
Time to Market
Minimize Risk  Wipro helped in cycle time reduction
Test Coverage Testing
by 45% for the EMEA countries
 Higher productivity (Process based
Location Risk Ownership for the entire UAT
testing, Parallel Execution –4
for EMEA as part of a global
countries at a time, less idle time,
digital standardization
high volume of test cases etc.)
program. Ownership of SIT

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Case Study 2- Enabler to reduce cost, minimize risk and help differentiate

Client Objectives Strategic Initiative Our Value Proposition

ADM TCO Reduction

Consolidation of multiple
vendors across a 275 Mn
outsource portfolio for ADM
services
 Enhanced Customer
Experience Simplification
 Reduce Time to Market Simplified operations by
 Agile organization setting up shared services,
enabling faster Agile
adoption, process
rationalization
Large
Multinational Analytics/ Information
Financial Management
Corporation Wipro partners with the Bank
across its data platforms
providing seamless data
integration for ~ 50 MM
active customers in Card,
Reduce Operations and Mortgage, Bank and Retail
Technology Cost
Risk Management
Risk & Compliance
Wipro partners with the bank
in major Governance, Risk
and Compliance initiatives
 ALM automation in AD and end to
end ownership of ADM and Testing
resulting in a 15% reduction in TCO
over 5 years
 Developed process inventory,
established as-is process steps
 Defined domain target architecture
for E-Commerce
 Adopted Agile for all delivery to
enable faster time to market
 L1, L2, L3 cost reduction by 30+%
and quality improvement by 18+%
 Decreasing the cost of managing
data (500 TB increasing at 23%
CAGR) and leveraging unstructured
data for newer insights using Big
data open source tools
 Consulting for FATCA, PCI
Compliance, Basel and
implementation of the compliance
solution
 Consulting and implementation of a
unified compliance framework

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Case Study 3- Partnering around simplification, data and compliance

Client Objectives Strategic Initiative Our Value Proposition

Resilience  Program focused on 17 critical

Wipro partnered with the customer services for assessment
bank to gain end- end system and remediation
visibility, recommendations  Wipro implemented its proven
Simplification
for planned transformation methodology to address service
Insights
along with remediation plan & resiliency issues across Process,
Position for timelines for improved Technology & Ops Resiliency,
Growth Achieve Cost business availability besides People & Culture
Certainty
 Implemented an analytical data
Monetize Assets Analytics/ Information
warehouse, operational data store,
& Business Management
common information services for
Wipro is the strategic data
moving 31.5 million accounts
partner for the bank to
Large carrying total funds in the range of
consolidate and integrate,
Financial £110 billion
customer data (structured &
Corporation  Implemented a solution for
unstructured) from across the
in UK achieving a 360 degree view of
group, into warehouses
customer

 Determine a top down, prioritized

Resilience process roadmap and implemented
Minimize Risk Simplification Pega workflow solution thereby
Compliance Wipro partners with the bank reducing process / operational
in Architecture simplification errors from 15% to <5%
and process simplification  Increased productivity and lowered
programs operational costs by 30%
 To simplify architecture, set up a
Architecture and Design Council

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Case Study 4- Increasing savings by consolidating testing operations

Client Objectives Strategic Initiative Our Value Proposition

German
global
banking and
financial
services Testing/Vendor  Benefits of ~45% savings to the
company consolidation client
 Centralized Testing Shared Services
Vendor The client had a decentralized  Independent QA partner
consolidation testing organization outsourced  Integrated approach for innovation
Increase to different partners  Commitment to strategic partnership
savings Difficulty in deriving economies  Improved Quality
Reduce TCO of scale and drive down cost of  Quality Enabler across SDLC -
testing Business Value and Enhanced
Customer Experience

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Case Study 5- Unlocking value by enabling a US bank exit a JV

Client Objectives Strategic Initiative Our Value Proposition

Meet JV
divestment  The facility in India was operating as
Asset Monetization
deadline a SEZ unit and Wipro ensured that
Divest from a the SEZ obligations are transferred
Achieve Cost Wipro enabled the bank in its
Joint Venture to itself
Certainty strategic decision of exiting
 All employees including contractors
from a JV by acquiring its 200
Meet SEZ were rebadged by Wipro to ensure
FTE facility located in India
Commitments continuity of operations
Leading
Consumer
Omni Channel Digital
Bank in the  Increase in product volumes
US  Faster time to market
Wipro transformed the legacy
Increase digital  Better understanding of consumer
online platform to enable easy
presence financial goals leading to higher
access to information on a
Differentiation conversion rates
Increase scalable, simple and intuitive
 Increase in customer experience by
conversion platform with higher prospect
rates making the fulfillment process
conversion rate and Superior
efficient
application experience

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 Thank You

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© 2014 WIPRO
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 Domain Competency Snapshots

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 Domain Competency - Payments
Summary Wipro’s Payments Advisory group uses its Process Resilience and Remediation
Methodology to assess bank’s Payments Infrastructure and identify operational and
architectural improvement opportunities. This results in improved customer service levels by
making Critical Business Processes resilient.
We design and implement a Payments Hub Solution thereby transforming and modernizing
a bank’s Payment infrastructure. This enables banks to handle growing electronic payments
volumes, support real-time payments and meet evolving compliance requirements.
We design and implement complex alternate payment channel solutions like NFC and Bill
Pay on mobile.

Credentials Assessed Service Chains associated with Critical Business Processes across the payments
landscape from technology and operations perspective and identified areas for
improvements for a leading Bank in UK. We are now identifying remediation measures from
an operational and architecture perspective to make the Payments infrastructure resilient.

Developed and implemented solutions that helped leading banks in Europe to comply with
Faster Payment and SEPA requirements. We also implemented a Payments hub solution as
part of a Payments transformation initiative.

Designed NFC based mobile payments solutions for a global bank which is now being rolled
across multiple countries . The solution is linked to credit / debit card, and will have the
facility to manage and redeem offers/ coupons

Differentiators Payments Process Assets, Payments Hub Architecture, Real Time Payment, Alternate
Payments Channels

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 Domain Competency - Cards
Summary Wipro’s Cards Advisory group has a very strong track record in implementing leading Cards
Processing Solutions. We provide support to leading global payment processors.
We design and implement customer on-boarding/ servicing and merchant acquisition
solutions; this includes implementing a merchant acquisition solution on cloud.
We have experience in implementing complex customer analytics solutions. We have a solution
to provide merchant analytics.
Wipro’s SmartOffers product provides a bank centric solution for location based mobile coupon
offers.
We design and implement complex alternate payment channel solutions like NFC and Bill Pay
on mobile.

Credentials Deep expertise in Vision Plus - Over 800+ VisionPLUS experts; supporting platform for a large
multinational financial institution globally

Implemented a Salesforce.com merchant on-boarding solution for a card processing entity in US

Delivered End to End BPM driven Online Customer Acquisition Platform with real time decision
making capabilities

Created Agent Desktop platform replacing existing proprietary platform; improving agent
productivity by 10% - 30%

Differentiators VisionPLUS knowledge, Mobile Coupons, Customer Analytics, Merchant Analytics.

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 Domain Competency - Consumer Banking
Summary Wipro’s Consumer Banking Advisory Group has extensive experience in a standard
implementing Core Banking Application across the globe. Standardization results in
significantly reduced operating cost and provides a consistent customer experience across
geographies.
We help banks in evaluating & selecting Lending / Leasing solutions. We have significant
experience in implementing solutions in these areas.
Support, enhancement and testing of third party platforms through Mortgage Centre of
excellence.

Credentials Modernized platform for a global bank to enable CBS roll out of new products in 72 countries
and ensure consistent customer experience across all channels

Assessed existing asset leasing application & platform selection for a regional bank based in
South Africa

Tested Core Banking (Hogan) application for a Top 10 Bank in US

Implemented CRM Solution on Salesforce.com for a leading Bank in US

Differentiators Global roll-out and modernization, Mortgage origination platform for Mobile - eMO, Mortgage
origination process/ platform assets.

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 Domain Competency - Corporate Banking
Summary Wipro’s Corporate Banking Advisory Group has extensive experience Standardizing and
simplifying global Corporate Banking infrastructure and defining Global, Regional and
Local requirements for multi-country roll-out.
We implement Corporate Customer Management and CRM applications
We provide liquidity and treasury management solutions for corporate treasurers
We have implemented Corporate Mobile Banking application for SME’s and have a
framework for delivering CFO Dashboard on tablets.
We help banks test SWIFT upgrades and certify vendor products for SWIFT compliance.

Credentials Globalization and standardization of Wholesale banking branches for a Top 5 bank in US

Roll-out of Enterprise CRM at a leading UK bank’s wholesale division; implement automated

onboarding for corporate customers for a Top 3 US bank

Implement and manage corporate core banking application across EMEA for a Top 3 US bank

Implement a Mobile Corporate Banking application (for SME’s) for a leading bank in India

Provide a suite of 25,000+ test cases to banks to validate SWIFT upgrades.

Differentiators Global roll-out, Internationalization, Automate on-boarding, Liquidity Management, Certify third
party vendor products for SWIFT compliance

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 Domain Competency - Wealth Management
Summary Wipro Wealth Management advisory group designs and implements solutions to provide
integrated Front-end and CRM applications that provides a Single Customer View to
Financial Advisors.
We design and implement Advanced Analytics solutions to support Financial Advisory tools.
Partner with Opera, and Advanced Analytics tool, to improve Front-end productivity through
machine learning.
We implement Sales & Relationship management product Wealth Management LOB.

Credentials Implemented an e-CRM solution for Wealth & International lines of business for a leading retail
bank in UK.

Implemented a Sales & Relationship Management product for a leading International bank,
covering 17,000 active opportunities, a $3.5B sales pipeline for use across 93 countries.

Global roll out of core Wealth Management Platforms for Securities, Mutual Funds, Insurance
and Treasury products processing for one of the largest Global Banks

Differentiator CRM Implementation, Financial Planning tool – Voyant, Front-end Analytics – Opera.

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 Mobility & Digital Channels

Summary Wipro’s Mobility & Digital Channels Advisory Group Wipro defines multi-channel integration
architecture and accelerates development through use of pre-built Solutions, Components &
Reference Architecture.
We partner with multiple Mobile Solution platform providers including - Sybase m365,
Kony, IBM Worklight.
Wipro Mobile Coupons product – Wipro SmartOffers is a bank centric solution that provides
location based offers driven by machine learning analytics.

Credentials Executed a Digital Channel transformation project for a leading Bank in US that resulted 33%
increase in product sales in five months; 168% increase in cross sales

Designed NFC based mobile payment solution for a global bank that linked a mobile device
to credit / debit card, with the facility to manage and redeem offers/ coupons; platform is being
rolled out across 27 countries
Defined a Multi-channel architecture that leveraged components & assets for internet, kiosk,
call centers and branches

Executed multiple Implementations of responsive design – enabling implementation of the

same code and design across internet and mobile

Differentiators Wipro’s SmartOffer platform, Multi Channel Architecture, Responsive Design, Development
platform - m365, Kony, IBM Worklight, pre-built solution components, Technovation lab for
rapid application development.

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 Domain Competency - Analytics

Summary Wipro’s Analytics advisory group designs & implements Enterprise Data Warehouse
solutions; has significant experience in Consolidating global Consumer Banking Data Model.
We build solutions to provide Single Customer view across the enterprise
We help banks implement Big Data solutions that support Lead Collaboration, Interaction
Management & Digital Marketing across Channels
We design and implement Advanced Analytics solutions that use machine learning
capability to provide intelligent solutions.

Credentials Implemented a complex Enterprise data warehouse for a leading bank in UK to provide a
single customer view, increase revenue and reduce cost

Developed and implemented an Enterprise wide analytics solution for a large global bank that
led to reduction of delinquent receivables from $3.8bn to $40mn & increasing opening
balance from $ 49 B to $209bn
Conceptualized and developed a Consumer Banking use cases for detecting mis-
representation in mortgages and product cannibalization using Big Data technology

Executed a data warehouse consolidation program for a global consumer bank; this is to be
leveraged in over 70+ countries across four geographies

Differentiators Single Customer View, Digital Marketing, Next Best Action, Enterprise-wide Data Warehouse

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 Domain Competency - Business & IT Transformation

Summary The Business & IT Transformation advisory group executes Technology, Application and
Business Process rationalization projects to simplify the operating infrastructure.
We use our Process Resilience and Remediation Methodology to assess bank’s
Infrastructure and identify operational and architectural improvement opportunities. This
results in improved customer service levels by making Critical Business Processes resilient.
We use our Process Assessment & Qualification Methodology to improve efficiency,
Customer Experience and controls by re-designing Business Processes; this also results in
reduced operations costs.

Credentials Executed integration projects in the merger of two leading banks to create the largest bank in
UK; covering more than £110 trillion balances and 31mn accounts

Improved Card issuance process at a leading bank based in US; duration brought down to 1.5
– 2 days from the prevailing 5-7 days. The Bank issued over a million corporate/credit cards
per year. 25 percent of these issuances did not meet the customer’s timeline expectations.

Assessed Service Chains associated with Critical Business Processes from technology and
operations perspective & identified areas for improvements for a leading Bank in UK. We are
now identifying remediation measures from an operational and architecture perspective to
make the infrastructure resilient.

Differentiators Wipro Business Process Reference Model, Model based testing

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 Domain Competency - Risk & Compliance

Summary Wipro’s Risk and Compliance Advisory group provides Integrated Risk & Compliance services
across Consulting, IT and BPO.
We take a integrated approach to enterprise-wide Risk, Finance and Compliance data and
reporting requirement; define data model and analytics framework that can support emerging
Regulatory requirements.
We help clients in validating Risk Model and defining / executing Stress Tests.

Credentials Improved risk management for a large UK retail bank by implementing a Credit Risk platform
to manage 200+ models across their loan, mortgage, card and other portfolios.

Delivered a complex Basel III programs for a global bank head quartered in Switzerland, two
months ahead of schedule and with 30% cost savings.

Assisting a leading global bank head quartered in Switzerland in rationalizing its institutional
compliance suite of applications (30% application reduction) and meeting all regulatory
deadlines for 2013/14.
Assisting five large banks spanning investment banking, retail banking, asset management
and servicing in meeting FATCA regulatory deadlines with 20% - 30% cost savings.

Differentiators Risk and Compliance Lab, FATCA, Legal Entity Identifier

Third Party Platform expertise- Actimize, Archer, Axiom, CTI, MetricStream, Moody’s
Analytics, Numerix, Opera, Oracle, SAP and SAS

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