Senior Risk Analyst,

RESL

Presentation for TD position

Senior Risk Analyst, RESL

All information are from my 10+ years experiences at IBM, SAP, TMX Razor

Risk etc.

Mike Chen

mike9812@msn.com 1

Principles of Lending - from experiences at TMX Rizor

Risk as the Senior Project manager

Bank need to ensure that advances are safe and

money lent out by them will come back.

Bank have to ensure that money lent out by them is

not locked up for long time by designing the loan

maturity period appropriately

Bank must earn adequate profit on its investment.

This calls for adequate margin between deposit

rates and lending rates

Bank should lend to a diversified customer base.

Diversification should be in terms of geographic

location, nature of business etc.

Processes of Lending - from experiences at TMX Rizor

Risk as the Senior Project manager

Key Business Metrics of Lending - from experiences

at TMX Rizor Risk as the Senior Project manager

Key Business

Metrics

Business

Rates

Approval Rates

Data from core banking system

Credit Quality

Response Rates

Data from core banking system

Average

Exposure on

Credit

Data from core banking system

Average Current

FICO Score

Data from core banking system

Data from core banking system

Data from core banking system

Data from risk management system

Data from risk management system

Data from risk management system

Data from risk management system

Data from risk management system

Data from risk management system

Lost Rates

Data from core banking system

Data from core banking system

Data from core banking system

IBM Banking Risk Management Project - from experiences at IBM as the Banking solution consultant

Project Background Issue to be resolved

� Risk management project go-live

support need fully operation

support to improve productivity

� User training and support

processes have to be transformed

for high efficiency

� Big challenges for 300+ users to

know new processes and system

� Eliminate the go-live impact to

normal daily business operation

with smooth transition

Implementation Highlights Deliverables with benefits

� Organization: Set up tiered support

structure with key users' help

� Processes: Setup SLA (Service Level

Agreement) response KPI with clear

support processes

� Technology: 7x24 support hotline with

remote screen sharing tool

� Training content: Structural designed

training with certificates adopting

multimedia content for easy learning

� Business-oriented: Complete

business processes in place including

steps inside & outside systems

� Satisfaction: High rated by 300+

managers for delivered courses

� Efficiency: >90% completed rate of

online training due to the convenience

of online interactive training

� Productivity: in the 1st month of go-

live, 100% mortagage cases financial

info visible across the company for

easy management & monitoring

� Cost saving: all mortagate cases with

minus cash flow can be terminated in

time with 10M+ saving

5

3 Key factors to run a successful project go-live - from experiences at IBM as the consultant country leader

Communication and expectation management

� Weekly newsletters & knowledge management homepage

� Leadership announcement and updates

Efficient support and training

� Complete processes: new system steps + business steps with roles

� 7 x 24 support hotlink with SLA (Service Level Agreement)

� Pre-training with certificates and gifts

� User training serials with certificates

� Training session & remote recording courses

� Videos + interactive demo training （SAP iTutor, flash, saba etc.)

Requirement & change management

� Project Org: Change Control Board (CCB)

� Weekly review for requirement matrix

� Weekly review of change request with benefit analysis (Return Of Investment)

6

Organization assurance - from experiences at TMX

Razor Risk as the Senior Project manager

Board of

Directors

Requirement

analysisSolution design System test Go-live transfer

Operation

support

Information

technologyData Center

Data Center, IT Capital Market Credit, Risk

Data Police

Committee

Investment, HR

Committees...

Other

departments

P

PE B SProject

Executive

Project

Manager

Business

Analyst

System

Analyst

E

S

BB B

E

E

7

Processes assurance - from experiences at TMX Rizor

Risk as the Senior Project manager

Requirement

management

Analysis

& design

System

build

Process

test

Go-live

transfer

Operation

support

� IT

infrastructure

standard build

and update

� Data

warehouse

standard

� Development

language

platform

� Software &

hardware

platform

� Data

conversion

test

� Unit test

� Integration test

� Pressure test

� User

acceptance

test

� Disaster

recovery test

� Prototype

build

� Development

change

management

� Configuration

management

� Interfaces

development

management

� User training

� Go-live

transfer

rehearsal

� Roll-back

mechanism

� Data

conversion

� Go-live

support

� Data standard

build and

update

� Data

dictionary

maintenance

� New business

and system

evaluation

� Vendor

management

� Production

support

� User exercises

and training

support

� Knowledge

management

� Change

management

� New

requirement

management

� Escalation

� 问题分析Legacy business systems

IT security management

Knowledge management and sharing

Human resource allocation, training and career development

Release and project management

8

1. Omni Channel Customer

Engagement Platform

� Mobile First

� Customer intimacy

� Analytics as integral part of

customer service

� 2. Core Banking Platform

� Ready to use service

� Cornerstone of real-time banking

� For customer centricity same as

for compliance

� 3. Finance & Risk Platform

� Consistent and comprehensive

� Simplified and open

� Easy to be adapted to new

compliance requirements

Retail

Banking

Commercial

Banking

Wealth

ManagementCentral Banks &

BuzDevBanks

Omni

Channel

Sales and

Service

Operations

Risk and

Compliance

Finance

c

Human

Resoruces

Capital

Markets

Procuremen

tInformation

TechnologyTechnology

and

Platform

Leveraging Cross Industry Application Platform

Omnichannel Customer

Engagement Platform

Core Banking Platform

Finance & Risk Platform

Real-Time

Data

Platform

Leveraging Cross Industry Technology Platform

1

2

3

1.

2.

3.

Technology assurance - from experiences at TMX Rizor

Risk as the Senior Project manager

Data center

FI/CO

Valuation

Market

risk

Liquidity

risk

Credit risk

Operation

risk

OTC

system

Toronto

exchange

Investment

committee

Business

deskMontreal

exchange

Regulation

reports

Legacy

risk says

02

Boston

exchange

Currency

system

3rd party

consulting

Investment

plan

Investment

reports

Processes improvement - from experiences at TMX

Razor Risk as the Senior Project manager

10

2016 2017 2018

� IT strategy processes

implementation for

company strategy

achievement

� IT, data center re-org

together with processes

re-engineering with roles

and talent recruiting (ITTL

、SWDL）

� Risk management data

center build

� IT situation analysis with

optimization

recommendations

� Standardized IT

infrastructure (software,

hardware, database,

language, interfaces)

� Trading system migration

for centralized platform

� Improve service level

agreement and efficiency

� Build real-time risk

monitoring platform with

big data reporting

Org, processes

Implement principles Implement methods

� 3 dimensions of organization,

process and technology

� Priority in mature business and

data with strong requirements

� Reduce risk by pilot first and roll-

out later

� Pilot from the project to build

teams and long term platforms

Initial projects

Improvement

projects

Program/projects roadmap - from experiences at TMX

Razor Risk as the Senior Project manager

11

12

Performance management - from experiences at IBM as

the leader of SAP Blue Harmony project

MeasureContinuously measure, through key performance indicators (KPI),

to determine how well the organization is performing.

Consistent measurements throughout the organization.

AnalyzeSupport decision-making through the analysis of historical data to

identify performance trends and recurring issues.

Continuous improvement and accountability.

MonitorProactively observe ongoing performance information to identify

potential “out of tolerance” situations as soon as they arise.

Proactive, rather than reactive, management.

AlertSupport near-real time exception management through alert

management, proactively warning decision makers if an action

must be taken or if a trend is emerging.

Proactive, rather than reactive, management.

ResolveBuild Knowledge Base for future reference in repeat

occurrences – Reduce Decision Cycle Time.

Cross enterprise knowledge sharing and best practices.

CollaborateCollaborate with cross-functional teams, suppliers,

vendors, service providers and others for

problem resolution and process execution.

Compress decision cycles and eliminates business silos.

Operational

Visibility

Standardized KPIs

and Metrics

I'm the writer of these 5 books - 5 IBM

transformation solution books

IBM 供应链管理转型解决方案

IBM Finance

Transformation

IBM HR

Transformation

IBM Sales

Transformation

IBM IT

Transformation

IBM Supply Chain

Transformation

Author Profile:� TMX Razor Risk Senior Project Manager

� IBM Primary consultant in transformation

� IBM SAP Consultant Country Leader

� SAP Best Practices Country Champion

� Kodak (Creo) SAP Data Migration Manager

� Fortis (BC Gas) Supply Chain Analyst

� PMP certified Project Manager

� SAP global certified consultant in SD, CRM, BI

13

Full coverage of 5 IBM transformation solution

books crossing enterprises processes & systems

14

L o g o

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