Pega, Capgemini and partner DLA Piper (a global law firm with extensive experience on FATCA regulations) explore how global financial institutions can fulfill their legal obligations to become FATCA compliant and navigate operational issues and technology requirements.
Presenter Information:
Alan W. Granwell, FATCA Team Leader, of Counsel, DLA Piper LLP
Gerald Francese, Partner, DLA Piper LLP
Reetu Kholsa, Global Director, Risk, Fraud and Compliance, Pegasystems
Erick Christensen, Vice President, Head of Compliance Practice Financial Services BU, Capgemini
This presentation was used as part of a live webcast. You can watch the full recording (with audio) at: http://www.pega.com/resources/webcast-the-state-of-fatca-compliance?utm_source=ss
Jeffery Leu | Asset Management - Conserve Cash as well as Boost ProductivityJefferyLeu
Jeff was responsible for all activities in loan portfolio acquisitions, real estate, high yield debt and special opportunities. Under Jeff, the Value Investment Group activities grew from less than $50 million in assets to over $10 billion in assets, consistently exceeding 20% annual returns. In 2007 Value Investment raised its first global third party fund with over $5 billion in institutional capital.
This document discusses managing government contracts and provides an overview of key topics including:
1. The regulatory environment for government contracting which is heavily regulated by rules like the FAR, CAS, and agency supplements. Compliance is important for competitive advantage and noncompliance can lead to penalties.
2. Business systems requirements including the business systems rule, definitions of acceptable vs deficient systems, consequences of deficiencies, and recent DFARS proposed rules introducing new annual reporting, audit, and documentation requirements.
3. Examples of Microsoft Dynamics as an integrated ERP solution for government contractors, highlighting functionality for financials, project management, purchasing, and other areas as well as potential process improvements and reporting vs dashboards.
Government Contractos are under pressure to allocate resources more effectively, increase client billing rates, and differentiate themselves through innovative service delivery in order to generate greater profit margins in the face of ever-increasing competition and regulatory DCAA compliance. Accounting for every detail of a project or contract, including measuring the degree of project completion, remains a huge challenge for Government Contractors. Join Raffa & BDO to learn how you can solve your accounting, project management, and compliance issues with an effective Microsoft Dynamics solution.
Practical Solutions for Managing the Coverage Gap Discount Program Paragon Solutions
Since the inception of the Coverage Gap Discount Program (CGDP), Manufacturers have been presented with challenges in managing the CGDP. There are operational, financial, compliance and legal challenges that fall across the organization.
This webcast will highlight those challenges and provide insight into practical solutions Manufacturers have employed to help mitigate these challenges.
What you can expect to learn from the webcast:
- High-Level Process Requirements needed to efficiently manage CGDP
- Practical Solutions that have been applied to mitigate challenges and risks
- How to manage the Negative Balance Solution
- Tips for preparing for the Dispute Resolution Process
- How to maximize data for Financial Analytics
Longview FXR promotes an effective, efficient and coordinated process to produce regulatory filing documents. By using a single, validated repository of financial data supported by cross-check, version control, and a detailed audit trail, customers can standardize and automate the entire process, thus dramatically reducing risk inherent in financial reporting.
The document discusses best practices for regulatory reporting. It outlines various regulatory reporting requirements in Europe including CRD, CRR, CoRep, FinRep and other standards. It also discusses objectives of regulatory reporting, the scope of reports, potential pitfalls, and best practices for automation, documentation, controlling, communication and quality assurance to improve the regulatory reporting process.
Efficient and effective transaction monitoring is an essential part of staying in compliance with various AML regulations around the world. However, as your transaction volume increases, manual transaction monitoring will no longer cut it. Learn how to:
Build an effective automated transaction monitoring system
Deal with alerts in a timely manner
Utilize industry best practices
Selling the-value-to-new-and-existing-customers2142Berry Clemens
The document discusses the key features and benefits of Oracle's E-Business Suite Release 12 (R12) financials software. R12 provides a more centralized global financial architecture with a single source of accounting truth. It allows for multiple accounting representations and ledger sets to better support global operations and compliance. R12 also offers improved reporting, reconciliation and audit capabilities. Customers are encouraged to upgrade to benefit from these enhancements.
This document describes CheckAud, a software tool for auditing authorizations in SAP systems. It provides functions for authorization audits, segregation of duties checks, analysis of critical authorizations, user authorization reports, and simulation of authorization changes. The tool includes predefined analysis templates for SAP modules and helps ensure audits are comprehensive and efficient.
Scaling FATCA’s Data Mountain – Technologies and best practices to streamline...emermell
This document summarizes a presentation on scaling FATCA data collection and reporting. The presentation featured several speakers from banks and technology companies discussing FATCA challenges and best practices. Key points included the need to integrate FATCA identification within existing customer due diligence processes, address data quality issues, and leverage existing CDD investments and processes to streamline FATCA compliance. The presentation covered FATCA account review requirements and suggested looking for flexibility, data management best practices, and tools to help with issues detection, investigations, documentation, and leveraging CDD for FATCA alignment.
The document discusses solutions for complying with new regulations around money laundering and terrorist financing from the 5th Money Laundering Directive (MLD5). It summarizes requirements around politically exposed persons, beneficial owners, customer due diligence, and enhanced due diligence. The company's solutions include automated risk assessment, sanctions screening, verification of beneficial owner information, and digital identity checks for onboarding. It also describes automatically reviewing documents for regulatory compliance to reduce costs and risks of non-compliance.
Optimizing order to-cash (e-business suite) with GRC Advanced ControlsOracle
Mark Stebleton, Oracle GRC Advanced Controls Product Management and Daryl Geryol, Navillus Partners explain how to optimize your Order to Cash process.
We believe digitization and automation are the means for institutions to drastically improve their compliance return on investment. Technology solutions like Risk Assessments, customer on boarding, cross-channel risk analysis, monitoring and screening, etc… should be looked at as part of the overall business plan and growth in order to achieve Strategic Compliance Planning.
Emerging solutions demystifying_r12_financials-5-28_webcastEmtec Inc.
This document summarizes a presentation on Oracle R12 Financials. It begins with an introduction to the professional services firm Emerging Solutions and their Oracle specialties. The presentation then covers the key changes in R12 Financials including a more globalized structure with consolidated functionality in separate layers, improved interfaces, and a "halfway to fusion" approach. It discusses the benefits of R12 like increased flexibility but also challenges like documentation and bugs. It emphasizes carefully planning organization structures, taxes, legal entities and security for upgrades. It concludes by inviting questions and providing contact information.
The 2015 FINRA Regulatory and Examinations letter is a roadmap for broker-dealers to understand the actions they should take to reduce regulatory risk in 2015. Some topics are easy to address, others appear more difficult and restrictive. This presentation takes a look at highlighted topics and shows you where regulatory standards are headed for 2015.
The goAML application is a UNODC strategic response to financial crime including money laundering and terrorist financing. The goAML application has been developed by the Information Technology Service of UNODC in partnership with the UNODC Global Programme Against Money Laundering. It is an integrated database and intelligent analysis system intended for use by Financial Intelligence Units worldwide.
http://goaml.unodc.org/goaml/en/index.html
Based on a single repository of accurate, real-time information from across the organization, Longview Consolidation provides a comprehensive and sophisticated technology platform that dramatically improves internal processes for consolidation, elimination, reconciliation, modeling and reporting of financial data to key internal and external stakeholders.
Longview Consolidation simplifies and automates financial processes, enabling finance professionals, operations staff and department managers to focus on analysis and managing exceptions rather than on reconciliations.
A single point of maintenance ensures that appropriate accounting treatments are applied consistently, thereby maintaining a single repository of financial truth, enterprise-wide.
This document summarizes a seminar by J.P. Morgan on the Foreign Account Tax Compliance Act (FATCA). FATCA aims to identify U.S. persons invested in foreign accounts by imposing new reporting and withholding requirements on foreign financial institutions (FFIs) and non-financial foreign entities (NFFEs). FFIs must enter agreements to report U.S. account information to the IRS or face 30% withholding on U.S. payments, while NFFEs must certify they have no substantial U.S. owners or provide owner information to avoid withholding. The seminar covers key FATCA definitions, requirements, exceptions, and timeline, as well as preliminary IRS guidance that requests industry comments
When you think about the Panama papers, what is the first thought that comes to mind? Was tax compliance one of them? The Panama Papers occurrence has surely been a wake-up call for governments and tax administrations as it sheds light on an even bigger denominator: Tax Compliance.
This document discusses Newgen Software, which provides business process management, enterprise content management, and customer communication management software. It focuses on Newgen's solutions for meeting the Foreign Account Tax Compliance Act (FATCA) regulations, presenting a comprehensive FATCA solution framework addressing know your customer processes, due diligence, documentation, reporting, and integration with other systems. The document emphasizes that FATCA compliance requires agility, readiness, and completeness that can be achieved through Newgen's configurable business process management framework and best practices templates.
The 440 page LexisNexis® Guide to FATCA Compliance was designed in consultation, via numerous interviews and meetings, with government officials, NGO staff, large financial institution compliance officers, investment fund compliance officers, and trust companies, from North and South America, Europe, South Africa, and Asia, and in consultation with contributors who are leading industry experts. The contributors hail from several countries and an offshore financial center and include attorneys, accountants, information technology engineers, and risk managers from large, medium and small firms and from large financial institutions. Thus, the challenges of the FATCA Compliance Officer are approached from several perspectives and contextual backgrounds. See http://www.lexisnexis.com/store/catalog/booktemplate/productdetail.jsp?pageName=relatedProducts&prodId=prod19190327
This 28 chapter Guide contains three chapters written specifically to guide a financial institution's lead FATCA compliance officer in designing a plan of internal action within the enterprise and interaction with outside FATCA advisors with a view of best leveraging available resources and budget [see Chapters 2, 3, and 4]. Sample chapter available at http://www.lexisnexis.com/store/images/samples/9780769853734.pdf
1) FATCA (Foreign Account Tax Compliance Act) requires foreign financial institutions to report information about financial accounts held by US taxpayers to the IRS. FFIs must enter agreements to share this information or face penalties like tax withholding.
2) Complying with FATCA's requirements will be extremely costly and challenging for financial institutions. It will require changes to internal systems, processes, and procedures across organizations.
3) FATCA will impact more than just financial institutions. All companies that make US-sourced payments abroad will need to modify their practices to comply with FATCA by 2013 to avoid penalties.
The document is an introduction to a training program on the Foreign Account Tax Compliance Act (FATCA) for Latin American firms. It outlines the agenda for the training, which covers the historical background of FATCA, its key aims and objectives, milestones, impact, and the three pillars of classification, reporting and withholding that FATCA implements. The training will be held in Panama City and Santo Domingo in February 2015 and presented by consultant Rodrigo Zepeda.
This document announces a conference on FATCA Compliance to be held on March 25-26, 2015 in Toronto. It will provide guidance to financial institutions on complying with the Foreign Account Tax Compliance Act. The conference will explore topics such as client identification and classification, reporting guidelines, challenges for different types of financial institutions, and improving FATCA compliance programs. It lists the conference speakers and agenda, which includes sessions on key FATCA regulations, the Canada Revenue Agency's guidance, challenges for depository and investment entities, and the impact of FATCA on the insurance and investment fund industries.
Paul Reuben and Martin Chipperfield, managers at two different banks, discussed their need to find an independent testing house to thoroughly test their banks' anti-money laundering systems and ensure compliance. They both ended up selecting the same vendor, Thinksoft Global Services, who was able to identify defects, help improve data quality, and validate that the systems met regulatory requirements like know-your-customer procedures. The vendor overcame challenges like limited access and timeframe to deliver thorough testing that satisfied both banks.
The document discusses the challenges that asset managers face with know-your-customer (KYC) and anti-money laundering (AML) regulations. It notes that compliance costs have increased, onboarding times have lengthened, and it is difficult to keep large amounts of client data up-to-date. A centralized solution that collects, verifies, and monitors client data could significantly reduce costs for both clients and asset managers by streamlining the onboarding process. The article advocates for standardizing KYC/AML policies across the industry and adopting a centralized model to improve efficiencies and the customer experience.
An Outline for Federal Officials Advocating the Use of Fintech SandboxesRoberto Irizarry
• Identified lessons from foreign sandboxes & generated rationale for the use of AI in US financial system.
• Developed targeted arguments to permit testing of AI in FinTech sandboxes. Provided an outline on how to implement a Regulatory Sandbox in the complex US regulatory environment.
This document provides an overview of Dun & Bradstreet's Compliance capabilities and solutions. It discusses how regulatory compliance is largely about managing data related to customers, suppliers, and third parties. It notes the increasing complexity of the global regulatory landscape. The document then outlines the high costs organizations face due to bad data, such as duplicate suppliers and poor quality customer data. It introduces D&B's tools and datasets that help organizations reduce costs, mitigate risk, and ensure regulatory compliance through features like entity resolution, ownership data, screening against watchlists, and monitoring capabilities. In summary, the document promotes D&B's compliance solutions for managing third-party risk, customer due diligence, and overall regulatory compliance through leveraging its global datasets
2017 07-26 Demystify the Government Contracting Challenges and Opportunities ...Raffa Learning Community
This document provides an overview of a seminar for non-profits on addressing challenges with government contracting. It introduces the presenters and provides an agenda for topics to be covered, including managed accounting services, keys for a successful DCAA audit, an ERP software called JAMIS Prime, an overview of Uniform Guidance versus FAR, cost accounting and indirect rates, and a Q&A session. Background is provided on Raffa as the hosting firm and their services. The document contains various slides with more details on the agenda items, such as differences between Uniform Guidance and FAR, areas with the most common findings in federal grants audits, and how Raffa can help with ensuring compliance with various requirements
Enterprise Governance Risk and Compliance (GRC) Management Solution in IndiaLexComply
Having most comprehensive coverage of compliance amongst the available GRC solutions in India, we ensure you don’t miss any compliance or legal updates . Know all you need about compliance in a single screen.
This document provides an overview of a presentation on systems requirements for organizations receiving federal grants and awards. The presentation covers the changing landscape of working with the federal government, system compliance requirements, requirements for foreign operations, desired features of an accounting system for non-profits, and indicators that it's time to replace an legacy system. The presenters are from Raffa, an accounting and consulting firm that works with non-profit clients.
This document contains the resume of Phanindra Babu. It summarizes his work experience in the areas of compliance, anti-money laundering, and auditing over the past 7 years primarily in the banking and finance sector. It also lists his educational qualifications and professional certifications. His most recent role was as a Lead Analyst - Financial Crime Compliance at Credit Suisse from 2012 to present. Prior to that he held roles at Barclays and G.S.V. Securities Private Limited also focused on compliance, client onboarding, and AML functions.
We are leading GRC technology solutions provider offering Compliance Management, Internal Financial Control & Litigation management solutions.
In current regulatory framework an SME has to report ~ 3000+ compliance under ~90+ Central & State Acts applicable on them; complexities increase with size.
“LexComply.com” enables organizations to plan, report, monitor and execute its compliances with updates on any changes in acts governing them.
This corporate presentation discusses Symantec's strategy to execute a new business approach, implement organizational changes, and project financial results. It notes that some statements in the presentation regarding intentions and projections constitute forward-looking statements that are subject to risks and uncertainties. The presentation also provides an overview of Symantec's financial performance, operations, strengths, and corporate responsibility efforts. It outlines Symantec's vision to protect digital information so people and businesses can focus on their goals. The presentation proposes strengthening offerings through increased R&D, improved customer experience, tailored solutions, and new integrated products to better address customer needs across security, productivity, and information management.
This document provides information about the 4th FATCA and Global Tax Compliance Forum conference organized by marcus evans. The conference will take place on November 5-6, 2015 in New York City and will focus on harmonizing international reporting standards and automating the exchange of information to ensure tax transparency and compliance with regulations like FATCA and the Common Reporting Standard. The document outlines the conference agenda, list of speakers which include experts from organizations like UBS, BNY Mellon, and the IRS. It also provides registration and sponsorship details. The goal of the conference is to help financial institutions and their representatives identify developments, comply with various withholding requirements, and adapt to emerging global tax and reporting standards.
This two-day intermediate to advanced course in Dubai will provide an in-depth understanding of the Foreign Account Tax Compliance Act (FATCA) and Common Reporting Standard (CRS) requirements through a combination of lectures and workshops. Attendees will learn about FATCA classification, reporting, and withholding as well as how FATCA interacts with trusts and passthrough payments. The course will also cover how FATCA compares to the CRS and help financial institutions implement compliant systems. The expert trainer, Rodrigo Zepeda, is an experienced consultant specializing in financial law and regulation.
This webinar discusses remote deposit capture (RDC) risk management and FFIEC compliance. It provides an overview of the key aspects of the FFIEC guidance on RDC risks, including the three pillars of responsibility, risks, and mitigation. It summarizes various RDC risks and how financial institutions should assess and manage risks related to technology, operations, vendors, customers and more. The webinar emphasizes that RDC implementation requires involvement from many areas of a financial institution and strong risk management practices.
The implementation of the Foreign Account Tax Compliance Act (FATCA) on July 1, 2014, marked a major change in the “rules of the game” for international tax cooperation, posing serious operational and systemic challenges for foreign financial institutions (FFIs). One of the most complex challenges is the need for FFIs to gather sensitive client data to identify accounts for the purpose of reporting to the Internal Revenue Service (IRS).
1) Axis partnered with a top US financial institution to streamline its regulatory technologies and reduce financial and compliance risk related to know-your-customer (KYC) and anti-money laundering (AML) policies and procedures.
2) An analysis found the financial institution had inconsistent KYC and AML risk rating processes across its multiple business lines due to differing account opening processes, standalone databases without linkage, and unguarded entry points between business lines.
3) Axis proposed and helped implement a solution that standardized data collection and storage into a central secure database, streamlined customer onboarding processes, and ensured compliance with evolving money laundering and terrorist financing regulations.
This document discusses ControlCase, a company that provides IT compliance certification and continuous compliance services. It aims to help clients go beyond checklists to more efficiently achieve and maintain compliance certifications. The webinar agenda includes introductions to PCI PIN security standards and certification processes. Common challenges with PIN security compliance are also reviewed, such as system compliance, key management, policies and training. ControlCase claims it can help clients cut audit preparation time by 70% through its expertise, automation tools, and continuous compliance monitoring services.
The document discusses using big data to improve analytics for financial services applications. It provides examples of using additional unstructured data sources like news feeds, research reports, social media etc. to enhance models for fraud detection, customer attrition analysis, and estimating default correlation and pricing securitized bonds. Currently these models only use structured transactional data but incorporating additional context from big data sources could provide more accurate insights and predictions.
This document discusses using big data and analytics within Oracle's Financial Services Analytical Applications (OFSAA) platform. It provides examples of using additional unstructured data sources like news feeds, research reports, and social media to improve analytics for detecting fraud, predicting customer attrition, and more accurately estimating default correlation and pricing securitized bonds. The document outlines how OFSAA currently uses only structured data but could be enhanced by incorporating big data sources to power more predictive models.
This document summarizes the results of a survey of 2,018 US consumers conducted in late 2018/early 2019 on behalf of Pegasystems. The survey found:
- Most respondents agreed that feeling financially stable makes them more likely to focus on health and well-being, and that they have easy access to healthy food.
- Over half were open to sharing health data digitally with their doctor to improve outcomes, though over 1/5 were reluctant about virtual doctor appointments.
- Over 2/3 would switch doctors due to poor communication, and over half would use free nurse advice for health issues.
The document summarizes the results of a survey of 214 decision makers in healthcare payers, providers, and pharmaceutical companies about their engagement programs.
Key findings include:
- Over 90% of respondents agree their organization enables access to healthy food and multiple communication channels for patients/members. However, pharmaceutical companies showed slightly lower rates of agreement.
- Respondents reported using a variety of channels like email, phone, web portals, and text messaging to connect with patients/members, doctor's offices, hospitals, insurance payers, and other organizations. Email and phone were the most commonly used channels.
- Large majorities also agreed their organizations provide personalized wellness programs, build care teams, and incent
This document appears to be a summary of survey findings from an automotive omnibus survey conducted on October 22, 2018. It includes profiles and responses to 15 questions about customers' vehicle ownership experiences, satisfaction factors, warranty understanding and usage, service triggers, and brand loyalty drivers. It concludes with demographic questions about respondents' age, income, education, location, race, and gender. The document aims to provide insights into customers' perceptions of various aspects of the automotive purchasing and ownership experience.
This document contains the results of a survey about customer preferences and experiences with insurance products and providers. It includes responses to 23 questions on topics such as the types of insurance purchased, satisfaction levels, purchase channels, factors influencing choice of providers, preferred communication channels, and demographic information. For each question, response percentages and rankings are provided for different customer profiles.
This document discusses how connecting customer engagement and digital process automation can help bridge the digital gap for insurance companies. It highlights how Pega software allows for journey-centric, rapid delivery of digital experiences across omni-channels using AI and end-to-end robotic automation. Common mistakes made are focusing on tasks rather than outcomes, working in silos rather than end-to-end, and prioritizing channels rather than customer journeys. The document provides examples of how companies like CSAA Insurance Group, Royal Bank of Scotland, and General Motors have used Pega's software to improve customer experiences and business outcomes.
Pegasystems recently surveyed more than 4,000 consumers between the ages of 16 and 60+ from the U.S., U.K., Canada, and Australia on a variety of customer service issues, giving us some interesting perspectives on how customers prefer to engage with organizations. Learn more about our discoveries in this presentation.
Are You Pushing Products, or Connecting Conversations?Pegasystems
This document outlines 5 principles for an always-on customer experience: 1) conversations are always connected across channels, 2) there can only be one centralized decision-making brain, 3) relevance rules relationships by understanding customers, 4) context adds color by determining the right action for each situation, and 5) decisions are based on the math of propensity, value, and leverage (P*V*L) to balance customer and business needs. The document provides examples of companies like Royal Bank of Scotland that have improved customer experience and outcomes by implementing these principles through a centralized customer decision hub and next-best action strategies.
PegaWorld 2014 Presentation: AEGON Revolutionizes the Policyholder Experience...Pegasystems
AEGON is a leader in helping customers secure their financial future. To bolster their market leadership, AEGON UK launched a Customer Service Transformation initiative with the objective to reduce operation costs through increased efficiency and broaden its market share by improving the customer experience.
These slides were used as part of a live presentation. Watch the complete presentation (with full video) at: http://www.pega.com/resources/pw-2014-video-aegon-revolutionizes-the-policyholder-experience-while-reducing-costs‘?utm_source=ss’
PegaWorld 2014 Presentation: Beyond UI: TSYS Creates a User-centered Experien...Pegasystems
Committed to their latest CPM development project, Project Surround provides omni-channel customer service to credit card issuing clients with full integration to all TSYS back-end processing systems. TSYS employed a user-centered design process early, while requirements were still being gathered. Rather than approach UI development using typical "system-centered design" where the product emerges around system rules, platform constraints, and business needs, TSYS embraced a user-centered design process focused on the context of real users, targeting solutions to the typical problems that users experience.
These slides were used as part of a live presentation. Watch the complete presentation (with full video) at: http://www.pega.com/resources/pw-2014-video-beyond-ui-tsys-creates-a-user-centered-experience-with-cpm‘?utm_source=ss’
PegaWorld 2014 Presentation: The Government BPM JourneyPegasystems
Facilitated by Pega’s BPM Evangelist, Setrag Khoshafian, this session will consist of a panel of government customers, each at different levels of maturity in their BPM journey. The panel will discuss their journeys and where they feel iBPM will have the largest impact in government and their iBPM plans for the future. In addition, this session will address how iBPM is being used in government to engage constituents, simplify work, and enable predictable and timely response to change.
These slides were used as part of a live presentation. Watch the complete presentation (with full video) at: http://www.pega.com/resources/pw-2014-video-the-government-bpm-journey‘?utm_source=ss’
PegaWorld 2014 Presentation: Deluxe Field Service Mobility – The Xerox WayPegasystems
Xerox, the world’s leading document management technology and services enterprise, wanted to better empower its front-line employees. By leveraging mobility technology from Pega, Xerox was able to enable more than 5,000 Customer Service Engineers (CSEs) to dispatch and close service calls, locate parts, research machine history, and update status calls all from a mobile application. The Maintenance Assist function of the app has revolutionized the way CSEs work, leveraging push technology that automatically sends diagnostic log data from the company’s newest multifunction printing systems right to the CSE’s smartphone. Most importantly, because Pega’s mobility platform handles all of Xerox’s data transactions, the application can effectively communicate with multiple backends, and optimizes performance through offline synchronization and store-and-forward queuing, which ensures that no information is lost – even if a CSE loses connectivity on the job site.
These slides were used as part of a live presentation. Watch the complete presentation (with full video) at:http://www.pega.com/resources/pw-2014-presentation-deluxe-field-service-mobility-the-xerox-way‘?utm_source=ss’
PegaWORLD 2014 Presentation: Leveraging Technology to Accelerate InnovationPegasystems
The document discusses the evolution of money and technology over the past hundred years. It describes three eras: Money 1.0 during the Industrial Revolution, Money 2.0 also during the Industrial Revolution with increased usage, and Money 3.0 during the technology revolution with innovations like smartphones, smart watches, and smart glasses. It then discusses the challenges of a large customer base, high transaction volumes, and operating on a global platform. The key strategies highlighted are developing quickly through agile practices to meet changing customer needs, focusing on people, driving innovation, and making lasting impacts.
PegaWORLD 2014 Presentation: The 230 Year Journey to Service Excellence at BN...Pegasystems
In the post-Financial Crisis world, the business landscape remains a markedly different place. BNY Mellon and other global services companies are being held to a higher standard by clients and investors while new regulatory and competitive hurdles have sprung up. Jeff Kuhn, Co-Head of Client Service Delivery, discusses how one of the world’s largest and oldest investment services and investment management companies has risen to the challenges by retooling processes, enhancing efficiency, improving quality, delivering more value to the marketplace and positioning itself for the next chapter in its history. This presentation was used as part of a keynote speech. You can watch the complete presentation (with full video) at: http://pega.com/resources/pw-2014-video-the-230-year-journey-to-service-excellence-at-bny-mellon?utm_source=ss
PegaWORLD 2014 Presentation: EE: Transforming the Customer Journey Through 1:...Pegasystems
Every customer experience represents your company’s brand and affects the future value of the relationship. In our ever-increasing digital world, where two-way communication bounces between multiple channels and devices, optimizing each customer experience across sales, marketing and service is a business imperative. The rise of big data and high-speed analytics makes it increasingly possible for organizations to move beyond mass-segmentation toward a completely personalized journey for each customer. In this session, Dr. Rob Walker and Suzanne Woolley will describe how organizations can take a new approach, using real-time context to improve customer engagement in every channel and drive very significant business returns.
This presentation was used as part of a keynote speech. You can watch the complete presentation (with full video) at: http://pega.com/resources/pw-2014-video-ee-transforming-the-customer-journey-through-11-customer-engagement?utm_source=ss
PegaWORLD 2014 Presentation: Engage, Simplify and Change: The Powers of Pega ...Pegasystems
While continuing to be ranked as a leader in BPM, Case Management, CRM and Mobile development, Pega’s technology rises above the “alphabet soup” of software categories to transform the way companies engage their customers, simplify their operations and change “on-the-fly” to meet the demands of their customers and markets. Kerim Akgonul, SVP of Product Management, will highlight powerful capabilities of Pega’s Customer Engagement applications and the BPM and Case Management platform on which they are built. He will also discuss Pega’s ongoing investments in social, mobile, cloud and Big Data technologies, and demonstrate how Pega technology enables the experience that today’s connected customers demand.
This presentation was used as part of a keynote speech. You can watch the complete presentation (with full video) at: http://pega.com/resources/pw-2014-video-engage-simplify-and-change-the-powers-of-pega-software?utm_source=ss
Vodafone Group plc is one of the world's largest mobile telecommunications companies with more than 400 million customers in almost 30 countries. Vodafone has embarked on a massive business transformation program to digitize the customer experience, develop simpler common processes, and consolidate their technology assets. Anette Bronder, Director Vodafone Group Technology Enterprise Solutions, will discuss Vodafone's transformation journey and the vision for creating a technology platform that will enable rapid response to accelerating change in the dynamic and highly competitive telecommunications market.
This presentation was used as part of a keynote speech. You can watch the complete presentation (with full video) at: http://pega.com/resources/pw-2014-video-vodafone-excellent-enterprise-customer-experience-through-digital?utm_source=ss
PegaWORLD 2014 Presentation: Build for ChangePegasystems
Empowered customers and disruptive technologies are forcing organizations to transform the way they engage with their customers, simplify their operations and adapt to market changes. A customer-centric strategy for digital transformation is essential, but executing that strategy demands a new approach to software. Pegasystems Founder and CEO, Alan Trefler, will explain how this new software layer must become the true embodiment of your brand. It must demonstrate your values, your commitment, and a deep and authentic empathy for your customers and how they interact with you. It must encompass nothing less than the best of your people, policies, and methods. And this software, like your relationships with your customers, will be constantly changing to drive new forms of customer engagement and end-to-end business simplification.
This presentation was used as part of a keynote speech at PegaWORLD. You can watch the video of this presentation at the following link: http://www.pega.com/resources/pw-2014-video-build-for-change?utm_source=ss
Selling and Engaging the Digitally Forward CustomerPegasystems
Don Peppers, Founding Partner of Peppers & Rogers Group and Ed Burek, Director of Product Marketing at Pega, explore how many organizations today are delivering a personalized experience and increasing their customer's lifetime value by:
- Driving trust and transparency at every interaction
- Providing a frictionless customer experience by leveraging real-time predictive analytics across all channels
- Enhancing the ability to see the customer in a 1:1 manner to drive long term relationships
This presentation was used as part of a live webcast. You can watch the full recording with audio at: http://www.pega.com/resources/selling-engaging-the-digitally-forward-customer?utm_source=ss
Center of Excellence Peer to Peer ForumPegasystems
"Intelligent BPM" (iBPM) is the next-generation of BPM technology. What are its implications for your BPM Center of Excellence? What are the right projects for the technology? Are you moving your organization in the right direction to take full advantage? Dr. Setrag Khoshafian answers these questions and explores a range of exciting iBPM concepts.
This presentation was used as part of a live webcast. You can watch the full recording with audio at: http://www.pega.com/resources/center-of-excellence-peer-to-peer-forum?utm_source=ss
Every Customer Conversation is a Moment of Truth for BanksPegasystems
Every customer conversation is a moment of truth. The way in which you conduct this conversation will alter the customer's relationship with your bank. It will create a lasting impression—either good or bad—that either increases customer loyalty or drives the customer to defect.
For most banks, there are a core set of customer interactions that occur frequently or which represent high-value engagements. Rather than managing moments of truth as isolated, channel-dependent incidents, Intelligent Conversation Management treats each moment as part of an interconnected conversation. The result transforms your relationship with your customers by leveraging an understanding of past engagements and real-time information to predict future interactions.
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3. 33
Foreign Financial Institutions(FFIs) Immediate Steps
FATCA will come into effect January 1, 2014, with specific
reporting, withholding and certification requirements to
phase-in through 2017, and potentially later
Global FFIs will need to assess the FATCA status of each of
their Expanded Affiliated Group businesses and determine
how those that are FFIs will become compliant
Requirements may differ depending whether a particular FFI
is domiciled in:
̶ A non-IGA country
̶ A Model 1 IGA country
̶ A Model 2 IGA country
Implementation of FATCA technology, processes, procedures
and protocols
̶ Identification of variances, particularly Model 1 local law
variances
4. 44
Preparation for FATCA Compliance
Milestones:
̶ Project planning to minimize FATCA impact and optimize
automation
̶ Due Diligence
New Account On-Boarding
Existing Account Due Diligence
Contracts and Transactional Agreements
̶ Registration
̶ Reporting
̶ Withholding
̶ Compliance and Verification
Monitoring, Testing and Certification
Recordkeeping
Creation of comprehensive timeline for completion of
milestones
5. 55
Project Planning
Determine the FATCA status of entities /lines of business within your
Expanded Affiliate Group
Identify conflicts of law for non-IGA countries and cross-border data
management issues
Review FATCA impact on other regulatory and contractual
requirements
Review opportunities to minimize FATCA impact (ring-fencing)
Determine where automation will drive cost/benefit efficiencies
Consider other opportunities for savings such as entity
rationalization
Consider future-proofing for
̶ Evolving FATCA
̶ Future FATCA-like laws
̶ Business change
̶ Other regulatory compliance and reporting requirements that leverage
existing KYC and transactional systems
6. 66
Due Diligence
Pre-existing accounts
̶ Monetary exemptions
̶ Low-value accounts
̶ High-value accounts (enhanced due diligence)
New accounts
̶ New on-boarding procedures
̶ Waivers, where necessary
Contracts
̶ Grandfathering
̶ Collateral and other transactional Agreements
9. 99
Compliance and Verification
Determine how EAG will comply
Appoint Responsible Officer(s)
Development of compliance program
Preparation of audit verification protocols
Develop systems to keep required information and
related procedures for prescribed periods
̶ due to the evolving nature of FATCA, date stamping and
procedure capture for decisions
10. 1010
Headlines and Industry Concerns: FATCA
WHAT ABOUT LOCAL
PRIVACY LEGISLATION?
Legal and Operational evaluation of current processes and systems enhancements required to
meet deadlines.
11. 1111
FATCA: January 1st 2014
Impact on KYC & On-boarding Systems for January 1st, 2014
On-boarding
Data, systems, processes, channels, KYC/AML will need to be evaluated and
enhanced
For due diligence specifically, FSI must review and interpret:
Products (depositary accounts, custodial accounts, equity and debt instruments,
or cash value insurance accounts)
Clients (direct or indirect US account holders, review and categorize into FATCA
“Chapter 4” categories
Exemptions
Geographies (IGA jurisdiction, local laws, standard account terms and conditions,
new account opening docs, consents/waivers)
Define and create appropriate due diligence rules by LOB, product, customer
type etc.
Automate and change as required
What do new regulations mean for On-boarding /KYC processes??
Automation is the only way to minimize customer impact and
reduce on-boarding time.
12. 1212
Unifying KYC/Suitability/Sales Platform for FATCA
Unified Rules and Processes
Multi-Channel Interaction Management
Servicing Backbone
Integration
Apply KYC:
FATCA
Suitability Approval Activate
3rd Party Legacy Sys Legacy Sys Legacy Sys
Web Self Service BrokerPhoneSales Officer
13. 1313
Global Business: Managing KYC/FATCA Regulations
Specialized Rules By Geography and Business Line
Risk-based approach to meet requirements
Common
Practices
Differences:
Type of Customer
Product Type
Business Line
Customer Profile
Regulation
Business Rule Changes Regulations Change Risks Change
Wealth Securities
Canada
Europe
Common CDD/EDD/FATCA Policies and Procedures
Global Corporate Governance
North America FATCA
FATCA US UK
Asset Management
Investment
Banking
Dodd-Frank IGA
Your bankFSI
14. 1414
FATCA: Functionality & Legal Requirements
What’s required to meet compliance requirements within technology?
Integrate with CIF, tax reporting, on-boarding systems
Master 360 degree customer view across LOB, for ‘customer’ reporting
Manage privacy rules
Data capture and management of relationships (direct/indirect)
Re-use of existing systems
Rules-driven due diligence based on indicia, customer type, product, geography, IGA
Complex relationship management: (Parent/Child) for US party indicia and majority
ownership thresholds
(i.e. >10% FATCA)
Managing change in US indicia through automation of re-reviews
Rules driving thresholds for diligence levels(i.e. >$1Million for enhanced due diligence)
Look-back automation and management including STP for exempt accounts, auto-case
creation, applying the right FATCA type based on customer data (standard, alternate,
enhanced, exempt)
Master Customer profile with FATCA data for compliance reviews reporting across LOB
and geographies
Reporting & Withholding
Future-proofing: New requirements, products, M&A, new IGA’s
Managing legal requirements and operations within technology
Large FI’s are using FATCA as an opportunity to update their KYC and on-
boarding systems turning compliance into a business benefit.
15. 1515
FATCA: Pre-existing Look-backs(NFFE/FFI)
Auto-Case Creation, Rules defining due diligence requirements,
exemptions US account or not?
US Citizenship/
Permanent
Residence
US
Mailing/Legal
Address
Underlying
Party US
Citizen/
Permanent
Residence
Articles of
Incorporation
Country of
Incorporation
W-9 Form
No indicia of
US or non-US
Underlying/
Related Party
CIF/
MDM
System of
Record
System of Record
On-Boarding
System(s)
Output
Tax Reporting System
Transaction Monitoring
ABC Corp Jane Doe John Doe
FOLDER
John Doe
For future re-use of
data, compliance
reviews, reporting,
etc…
FOLDER
Joane Doe
For future re-use of
data, compliance
reviews, reporting,
etc…
FOLDER
ABC Corp.
KYC Requirements
-Account(s)
-Account holders (Jane
Doe, John Doe)
-FATCA classification
Legacy Systems
Integration
Decision
Auto-Resolve
Report to Tax
Group
Classification
Recalcitrant
US
Account
Non-US
Account
Due Diligence (By Type)
Documentation
Due Diligence
Rules
Qualification
Value of Account
(i.e. >50K)
Exempt
Auto-Case Creation
Master Folder
Rules driving due
diligence
Know Your Customer System
USIndicia
16. 1616
On-boarding
Audit & Reporting
Rules-Driven Suitability/Product
SelectionAge
Income
Risk Tolerance
Investment
Experience
Investment Objectives
Products
Booking Location
Security Futures
• Higher Risk
Hedge Fund
• Higher Risk
Mutual Fund
• Lower Risk
System of Record
Tax Reporting System
Rules-Driven KYC Technology Relationship Management: 360 View
Unified KYC/FATCA/Suitability
Auto-Case Creation, Rules defining due diligence requirements
CRM
Driver
Data
Multiple
Streams
Agility: As risks and requirements
change designated business users
should have the ability to update rules
and processes.
ABC Corp Jane Doe John Doe
ABC Corp
Jane Doe John Doe Bob Smith
Acme
Country Products
Dynamic
Risk Rating
Driver Data
• Type
• Risk
• Legal/Mailing
SDD
Requirements
EDD
Requirements
Screening
Integration
Existing Client
Legal Entity/
Booking Entity
Underlying
Parties
Suitability
Requirements
• FINRA
• MiFid
FATCA
Requirements
Web Self
Service
Broker
Phone
Sales
17. 1717
Only way to ensure compliance:
Legal, Technology and Operations
Legal interpretation for each line of business, product and geography
Legal interpretation implemented and maintained in KYC/FATCA technology
Leveraging existing infrastructure
Lending privilege protection and confidentiality to the FATCA program (tech
& ops)
Issues will be resolved under the cloak of legal privilege extended to all
partners
Ability to confidentially resolve FATCA and other regulatory compliance
issues with direct regulator contacts
A risk-based strategy and roll-out on a jurisdictional, product and client type
basis
Automation of exemptions and pre-existing account due diligence and
verification will provide further efficiency, and cost reduction
Agility to ‘future proof’ your technology
100% Auditability
FATCA can become a benefit by streamlining on-boarding and manual
processes
What approach are complex FI’s following to ensure compliance while
saving costs??
18. 1818
Ensuring FATCA Compliance: Legal, Technology
& Consulting
Three World-Class Organisations
-Managed Service:
legal, technology and
operational approach
-Evaluation of existing
infrastructure, data
management,
systems and
operations
-Implementation and
maintenance of legal
advice into Pega KYC
solution
-Risk-based approach
-Remediation of look-
back
-Proprietary IP legal
advice on top of Pega
KYC customizable
software that
facilitates product,
client and geographic
compliance with
FATCA
-Privilege to client
-Future-proofing and
monitoring for legal
changes
-Pega KYC/FATCA
Technology
-Legal Advice
Implemented by
Client’s specific
products, LOB,
exemptions into Pega
technology
-FI’S IP layer
maintained by
Capgemini and DLA
Piper as regulations
change, new products
& geographies added
19. 1919
What does this mean?
100% Compliance & Audit history based on product, country, LOB
70% Faster On-boarding and time to revenue
Customer Centricity: 360 degree view of a client
60% reduction in manual processing
Ability to extend to full on-boarding, suitability end-to-end sales
platform
Agility to manage new risks and regulatory requirements in days vs.
months
FATCA
from
burden to
benefit.
Why are FI’s and Insurance company’s following this approach??
22. 2222
Capgemini – ‘Compliance Operationalisation’
Analysis guidelines
̶ Customer data extraction and review
̶ Review of the data gathering process and annual review of accounts
̶ Governance and implementing change
Customer Due Diligence Review – pre-existing accounts and new accounts
̶ Tracking of documentation and evidentiary information
̶ Quality assurance of original KYC info
Legal Advisory and Compliance support
̶ Validation of existing process and procedures against FATCA , the Regulations and
IGA requirements
̶ Develop (in conjunction with DLA Piper) training programs to ensure employee
coordination
Update FATCA compliance requirements
̶ Future proofing for business change, regulatory change, additional FATCA changes
and any other regulatory changes
23. 2323
Capgemini – Business Process Management
Capgemini can assist RBS with the following specific tasks regarding the FATCA Process
Segmentation and classification of pre-existing account holders
̶ Segmentation based on account size, geographies, products and clients
̶ Carrying out the cleaning, enhancing and normalisation of the customer database
Gap identification, Verification of documentation and request for FATCA specific documentation from
account holders
Review of the data gathering process and annual review of accounts
Gap Analysis and compliance
̶ Validation of existing process and procedures against FATCA requirements
̶ Definition and Assessment for purpose of IRS reporting and system audits
̶ Implementation of verified, replicable, consistent processes
̶ Supported by an ‘industrialised’ change management methodology
Customer Due Diligence Reviews
̶ Collection of customer information, classification
̶ Tracking of documentation and evidentiary information
̶ Ongoing review and verification of customers
Transactional compliance review
̶ Validation of transactional data to ensure compliance to FATCA requirements
̶ Define a process for managing and monitoring control activities ensuring compliance
24. 2424
Capgemini Data Management
Using Accurate Data to Create Meaningful Information is key
̶ Underlying Data
A customer – centric view is essential to ensure compliance
Integration of diverse applications to provide a single view is challenging
Data Governance & Data Quality standards need to be set and managed
with clear ownership
Data sources and new applications require a robust support model for
ongoing delivery
̶ Data Analysis & Reporting
On the underlying data there needs to be the right mechanisms to analyze
the data
Integration of Pega and other analytical tools are key
Clear definition of reporting requirements to HMRC / IRS, with in-house MI
Dashboards
25. 2525
Capgemini Data Management
Capgemini has a track record of System
Integration and Database
Development/Data Warehousing within
the RBS Group
Capgemini has specialists within the
Business Information Management
discipline covering:
̶ Master Data Management
̶ Building or Enhancing Data
Governance
̶ Data Analysis and Modeling
̶ Database Design and Construction
̶ Extract Transfer & Load (ETL)
̶ Development of Analytical tools
̶ Reporting Requirements and
Dashboard development
Example:
Underlying
Customer Data
Store(s)
Applications/
Analytical Tools
Source
Systems
Reporting
26. 2626
Verification and Validation
Acquire
Training
Existing documents
FATCA experts
Build
FATCA Test
Repositories
Knowledge documents
Reusable Test Assets
Accelerate
& Excel
Innovations
FATCA specific test
workbench
Competency building
programs for FATCA
The Capgemini FATCA Test Workbench is
a combination of: quality assurance
artifacts; best practices; and technologies,
which have been developed to provide a
head start in testing FATCA Regulation for
the banks
Our approach on capability building for
FATCA Workbench
30. 3030
Capgemini Group Overview (2011 full year)
Canada
United States
Mexico
Brazil
Argentina
All over Europe
Morocco
Australia
People’s Republic
of China
India
Chile
Guatemala
Singapore
Philippines
Taiwan
Vietnam
United
Arab Emirates
Malaysia
UK & Ireland
8,977
France
21,307
Benelux
10,391
Nordic
Countries
4,538
North America
9,505
Central &
Eastern
Europe 8,962
Morocco
431
Italy
2,381
Iberia
4,942
India
35,727
Latin America
9,176
Asia Pacific
3,370
Revenue 2011: €9,693 million
Operating margin: €713m
Operating profit: €595m
Profit for the period: €404m
Net cash and cash equivalent: €454m
Group workforce
119,707
Working offshore
44,467
5.3%
41.5%
37.5%
15.7%
Outsourcing
Services
Local
Professional
Services
Consulting
Services
Technology
Services
Revenue by Business
Energy, Utilities &
Chemicals
Financial
Services
Other
Public Sector
Telecom,
Media &
Entertainment
Customer products,
retail, distribution &
transportation
Manufac-
turing
10.8%
4.4%
24.3%
9.3%
17.7% 20.8%
12.7%
Revenue by Industry
Cap Gemini S.A.” is a member of the
CAC40, listed in Paris
ISIN code: FR0000125338
Note: Our brand name is “Capgemini” but
the name of our share on the stock
exchange is “Cap Gemini S.A.”