components

Components of a payments IT organization : 

Components of a payments IT organization IT forArchitecture (Payments only but all payments) or Payments applications architecture Business analysis (usually found on business side) Software development Application support In most banks, Payments IT is part of IT Recent trends The role of architecture Business analysis going back to IT Choice of software providers an IT prerogative

Components of a “payments factory” organization : 

Components of a “payments factory” organization The High-Value Payments back-office Unit, high care processing (repairs) The Low-Value Payments back-office (domestic instruments) Files, batch processing The International Payments back-office (foreign exchange controls) Unit mostly, tendency to amalgamate with HVP Network management Accounts reconciliation Customer investigations and enquiries, Networks The SWIFT infrastructure historically Other networks, including domestic The message exchange with market infrastructures Queues, caps and intraday liquidity Anti-money laundering and Sanctions (terrorist financing and lists…)

Components of a “payments factory” organization : 

Components of a “payments factory” organization The High-Value Payments back-office Unit, high care processing (repairs) RTGS management (caps and liquidity and queue management) The Low-Value Payments back-office (domestic instruments) Files, batch processing The International Payments back-office (foreign exchange controls) Unit mostly, tendency to amalgamate with HVP Network management Accounts reconciliation Customer investigations and enquiries, Networks The SWIFT infrastructure historically And many specific lines Anti-money laundering and Sanctions (terrorist financing and lists…)

Components of a “payments business line” : 

Components of a “payments business line” “Cash management” is the key name Product management (by market) Product range is not “just” payments Business analysis Sales matrix (customer segments and geography) Large international corporates, part of CIB Correspondent banking (international) Corporates Local, SME sales to local retail network Specific back-office for extended payment services Specific customer support

Recent trends in organizations : 

Recent trends in organizations Networks and exchanges SWIFT and all other networks, Connectivity with all market infrastructures Queue management, caps bi- and multi-lateral, intraday liquidity Customer service management Dedicated to top customers, initially payments only Large international corporates, part of CIB Correspondent banking (international) Corporates Local, SME sales to local retail network Supervision Command and control centers Crisis management Piloting and business analysis

Examples of global organizations and tendencies : 

Examples of global organizations and tendencies The global factory Worldwide processing: cost center (Barclays, Intesa San Paolo, Santander,…) The payments subsidiary : specialized, shared joint-venture (Natixis, Cedicam , ..) The Global Payments Department The business line and the factory, but not IT Frequently larger than H&LVP (cheques and cards, possibly trade finance) Global Transaction Banking Scope beyond payments in very large banks: a very large business entity Includes business, factory and IT Largely independent, may be incorporated

Organization Chart @ Intesa San Paolo : 

Organization Chart @ Intesa San Paolo

Organization Chart@Banco Sabadell : 

Organization Chart@Banco Sabadell