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The New Compliance Mandate: 
Enterprise‐Wide Transparency

  A Financial Technology Network 
              Webcast
           Sponsored by: 
Today’s Panelists

Greg MacSweeney                                     Rodney Nelsestuen
Editor-in-Chief,                              Senior Research Director
Wall Street & Technology          Financial Strategies & IT Investments
                                                           Tower Group
                                                    (RiskTech Blogger)




Gary Rylander                                       Damian Trzebunia
Associate Partner                      Enterprise Content Management
IBM Global Business Services             Compliance Product Marketing
Risk & Compliance Practice      IBM Information Management Software
(RiskTech Blogger)
Financial Services

IBM’s Integrated Risk Management offerings and capabilities
         are organized around a holistic view of risk
                               Integrated Risk Management

             Financial            Financial            Operational &          Governance &
               Risk                Crimes                IT Risk               Compliance


 Risk Area               Industry Requirement
                         Understand market and credit risk exposure across multiple silos to make 
 Financial Risk
                         financial and risk decisions consistent with business objectives
                         Secure all transactions and forms of interaction, proactively prevent 
 Financial Crimes        increasingly sophisticated internal and external prohibited activities and 
                         effectively manage detected events
 Operational &           Proactively manage potential risks, both internal and external, business and 
 IT Risk                 IT, resulting from events impacting operations, processes and applications
                         Understand and manage compliance across a dynamic set of voluntary and 
 Governance & 
                         mandatory requirements imposed by multiple regulatory bodies, across 
 Compliance
                         operating jurisdictions, at an optimal cost for value
TowerGroup – Opening Comments
   Regulation of electronic content complicates the IT 
  architecture
    New demands for visibility and transparency in 
  financial services have the benefit of delivering business 
  value
   On‐demand intelligence will have a growing role in 
  holistic risk management
   Electronification of business processes brings new 
  demands to the IT group and redesigns business flows

Source:   TowerGroup
Financial Services



                Is this transparent?


                           • >50% over 
                             retention
                           • >75% unclassified 
                             or misclassified
                           • >20:1 duplication

                     ...
Financial Services


The Information Lifecycle
  Frequency of
 Access and Use




          Born Digital                  Expiration
          Over 90% of information is    Roughly 95% has a
          born digital … and the rest   retention policy … very little
          should become digital         should be kept forever


                      85%
            of enterprise information
                 is unstructured

                                         Time
Basics of regulatory content management

  –E-discovery refers to any process in which electronically stored information
  (ESI) is sought out, secured, and searched for use in civil or criminal legal
  cases.

  –By year end 2008, 28 states had or were planning e-discovery provisions in
  their general civil procedure codes or modified specialized rules for business
  courts

  –Data classification is the categorization of data, an approach to storing
  computer data
      •Data can be classified according to its value to the business or how often
      it needs to be accessed
      •Goal is to optimize the use of storage for many purposes:
      economic, technical, legal, and administrative
E‐discovery regulation brings new architectural 
and process issues to financial services




    Diagram Source: EDRM (edrm.net)
Financial Services

The proposed regulatory framework increases the importance of
transparency, operational risk management and the underlying
dependency on records and systems management
                                                          1. If its securitized or traded, it will require transparent,
                                                             dynamic record keeping throughout its lifecycle
                                                          2. If its reported, be prepared to report it with XBRL tags
                                                          3. If its an operational risk, be prepared to do quantitative
                                                             risk reporting
                                                          4. If you are a Tier 1 FHC, expect more scrutiny
                                                          5. Harmonization among agencies and international bodies
                                                             will result in less variability among regulatory regimes
                                                          6. Greater reliance on prudential instead of rules based
                                                             regimes will increase the value of being able to prove
http://graphics8.nytimes.com/packages/images/nytint/doc
                                                             effective operational risk management
s/obama-s-plan-for-financial-regulatory-
reform/original.pdf
Business value of electronic content 
management in action
                                                  Connect with core processing, loan origination, or 
                                                      lending systems to complete transaction

                                                        Obtain Approval,                        Index, 
 Create               Digitize       Communicate        Authenticate, and  Execute             Archive, 
Document             Document        and Distribute        Authorize      Transaction         and Store




                                        User Roles, Business Rules 
                                 Regulatory Requirements and Audit Trail 
                                            Disaster Recovery
Source: TowerGroup
Financial Services


Technology is your friend in attaining transparency

                           • Automated Classification
                             – Data
                             – Content
                           • Deduplication
                           • XBRL beyond reporting
                             – Automated XBRL Classification 
                               of
                               • Documents
                               • Process Definition linked to 
                                  XBRL taxonomy
                           • Automated monitoring & audit
Financial Services


    Agile Enterprise Content Management
                                    IBM agile ECM helps companies
                                    make better decisions faster by:

                                         ● Managing all forms of
                                           content

                                         ● Delivering content
                                           intelligence
                                         ● Optimizing associated
                                           business processes
                                         ● Enabling compliance

                                         through an integrated
                                       information infrastructure
   Unified platform for content,
process, discovery and compliance
Financial Services

Agile Enterprise Content Management Delivers 
Compliant Information Management
   Frequency of
  Access and Use




               A Standard
                Model for
               Paper, Data
               and Content


                                        Time
Financial Services

Enterprise Compliance is Invisible to Line-of-Business
                                 Active Governance (GRC)
                             Security policies, controls and risks
                               are enforced, tested, monitored,
                              audited and reported “in-process”




                                                    Records automatically
                                                   retained and Classified


    Content / E-mail is collected,         Proactive eDiscovery
  enhanced and managed in context          Search and Analytics
    with Content Collection and                are enabled
     Advanced Classification                                                 ECM Platform
Financial Services



  The business case for transparency
                      Key Benefit buckets                      Insurance
                                                                Savings
                                                  Process
                                                  Savings
                              Infrastructure
                                 Savings
 Records         Litigation
Management       Support
    &
Compliance
  Labor
                                                          ts
                                               Be nef i
Case Study: A national bank develops
e-discovery capability – Current state
– $75 billion dollar asset regional US bank operating under a national charter in 10 states. 
– No formal policy to delete or otherwise reduce the amount of data held across the 
  institution. Some kept, some discarded, no discipline. 
– No metadata or tagging process to identify data and its value
– Email archiving done via an automated tool but no classification system
– A data warehouse exists which is under separate governance and policy must address 
  all data in the institution that is kept in the enterprise data warehouse.
– Coordination with governance resources over the data warehouse is recognized as a 
  fundamental need. 
– While bank has not outsourced significant business processes, it is evaluating several 
  BPO/ITO options. Policy should provide for this potential
    • Include unstructured electronic data including credit files, loan documents, legal documents 
      and vendor contracts 
    • Back up vendor has all servers in a storage area network (SAN) – need to extend policy to 
      vendor.
Case study: a national bank’s
compliance with e-discovery policy

– Developed an e‐discovery policy with a process and IT roadmap
– Prior to policy setting, the bank established a means to decide its 
  retention goals
     • The value of information to the bank – with a classification 
       system 
     • Risk assessment of keeping information of different types –
       with amelioration strategies
 E‐discovery policy must coordinate with policies on physical assets 
   as well as electronic assets – but won’t day one.
Financial Services



Outsourcing can be another ally
                     • Make it someone else’s 
                       responsibility too
                     • Make your KPI’s their SLA’s
                     • Reduce your costs
                     • Leverage community 
                       “learning” and assets
                       – Best practices
                       – Someone else’s SAS 70
                       – Analytics as a Service trained 
                         on a global sample
Financial Services

 ROI of Compliant Information Management
   Automate
                                                               Enforce records
decisions, clean
                                                             retention to reduce
up legacy data –
 save up to 17                2                      3         eDiscovery and
                                                              storage costs by
    cents per
                                                                   50-80%
   document
                                   Leveraging a
                                       common
                                    infrastructure
                                  accelerates cost       4
                   1                  reduction




 Control Growth,                                                  Optimize
remove duplicate                                                 eDiscovery
  data – reduce                                                  decisions to
storage costs by                                               reduce costs by
    50%-80%                                                       up to 80%
Financial Services


              The No Paper Weight Program
                 Save money. Risk less. Know more. Go green.
• IBM Assessment Expertise
  – New:  Free No Paper Weight ½ Day Checkup
    at no obligation
    • Register here:  
      https://www.informationmanagementrequest.com/mk/g
      et/npw0509rp
  – In‐depth No Paper Weight Prescriptive Assessments now 
    available from the IBM Centre of Excellence for Compliant 
    Information Management
• IBM Solutions
  – Agile ECM solutions for Content, Process, Compliance and 
    Discovery
  – Information Infrastructure solutions
Financial Services

Get Connected with IBM and our Risk Community
Websites enabling you to engage with our Subject Matter Experts




        IBM Offerings & Capabilities               Educational Videos, White Papers and Blogs
     http://www.ibm.com/banking/risk                     by Risk Subject Matter Experts
                                                      http://www.risktech.financetech.com

            Social Network Groups for Financial Services where risk isn’t the only topic




      http://www.linkedin.com/groups?gid=1946782     http://www.linkedin.com/groups?gid=1894930
Q&A
please submit your question now
Resources 
         To View This or Other Events On‐Demand Please Visit:
                 http://www.techweb.com/webcasts


          For more information on this topic please visit:

   IBM Offerings & Capabilities                RiskTech for Educational Videos, White Papers
http://www.ibm.com/banking/risk                   and Blogs by Risk Subject Matter Experts
                                                    http://www.risktech.financetech.com

           Social Network Groups for Financial Services where risk isn’t the only topic




  http://www.linkedin.com/groups?gid=1946782         http://www.linkedin.com/groups?gid=1894930

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IBM Banking: Automated Systems help meet new Compliance Requirements

  • 2. Today’s Panelists Greg MacSweeney Rodney Nelsestuen Editor-in-Chief, Senior Research Director Wall Street & Technology Financial Strategies & IT Investments Tower Group (RiskTech Blogger) Gary Rylander Damian Trzebunia Associate Partner Enterprise Content Management IBM Global Business Services Compliance Product Marketing Risk & Compliance Practice IBM Information Management Software (RiskTech Blogger)
  • 3. Financial Services IBM’s Integrated Risk Management offerings and capabilities are organized around a holistic view of risk Integrated Risk Management Financial Financial Operational & Governance & Risk Crimes IT Risk Compliance Risk Area Industry Requirement Understand market and credit risk exposure across multiple silos to make  Financial Risk financial and risk decisions consistent with business objectives Secure all transactions and forms of interaction, proactively prevent  Financial Crimes increasingly sophisticated internal and external prohibited activities and  effectively manage detected events Operational & Proactively manage potential risks, both internal and external, business and  IT Risk IT, resulting from events impacting operations, processes and applications Understand and manage compliance across a dynamic set of voluntary and  Governance &  mandatory requirements imposed by multiple regulatory bodies, across  Compliance operating jurisdictions, at an optimal cost for value
  • 4. TowerGroup – Opening Comments Regulation of electronic content complicates the IT  architecture New demands for visibility and transparency in  financial services have the benefit of delivering business  value On‐demand intelligence will have a growing role in  holistic risk management Electronification of business processes brings new  demands to the IT group and redesigns business flows Source: TowerGroup
  • 5. Financial Services Is this transparent? • >50% over  retention • >75% unclassified  or misclassified • >20:1 duplication ...
  • 6. Financial Services The Information Lifecycle Frequency of Access and Use Born Digital Expiration Over 90% of information is Roughly 95% has a born digital … and the rest retention policy … very little should become digital should be kept forever 85% of enterprise information is unstructured Time
  • 7. Basics of regulatory content management –E-discovery refers to any process in which electronically stored information (ESI) is sought out, secured, and searched for use in civil or criminal legal cases. –By year end 2008, 28 states had or were planning e-discovery provisions in their general civil procedure codes or modified specialized rules for business courts –Data classification is the categorization of data, an approach to storing computer data •Data can be classified according to its value to the business or how often it needs to be accessed •Goal is to optimize the use of storage for many purposes: economic, technical, legal, and administrative
  • 9. Financial Services The proposed regulatory framework increases the importance of transparency, operational risk management and the underlying dependency on records and systems management 1. If its securitized or traded, it will require transparent, dynamic record keeping throughout its lifecycle 2. If its reported, be prepared to report it with XBRL tags 3. If its an operational risk, be prepared to do quantitative risk reporting 4. If you are a Tier 1 FHC, expect more scrutiny 5. Harmonization among agencies and international bodies will result in less variability among regulatory regimes 6. Greater reliance on prudential instead of rules based regimes will increase the value of being able to prove http://graphics8.nytimes.com/packages/images/nytint/doc effective operational risk management s/obama-s-plan-for-financial-regulatory- reform/original.pdf
  • 10. Business value of electronic content  management in action Connect with core processing, loan origination, or  lending systems to complete transaction Obtain Approval,  Index,  Create Digitize Communicate  Authenticate, and  Execute  Archive,  Document Document and Distribute Authorize Transaction  and Store User Roles, Business Rules  Regulatory Requirements and Audit Trail  Disaster Recovery Source: TowerGroup
  • 11. Financial Services Technology is your friend in attaining transparency • Automated Classification – Data – Content • Deduplication • XBRL beyond reporting – Automated XBRL Classification  of • Documents • Process Definition linked to  XBRL taxonomy • Automated monitoring & audit
  • 12. Financial Services Agile Enterprise Content Management IBM agile ECM helps companies make better decisions faster by: ● Managing all forms of content ● Delivering content intelligence ● Optimizing associated business processes ● Enabling compliance through an integrated information infrastructure Unified platform for content, process, discovery and compliance
  • 13. Financial Services Agile Enterprise Content Management Delivers  Compliant Information Management Frequency of Access and Use A Standard Model for Paper, Data and Content Time
  • 14. Financial Services Enterprise Compliance is Invisible to Line-of-Business Active Governance (GRC) Security policies, controls and risks are enforced, tested, monitored, audited and reported “in-process” Records automatically retained and Classified Content / E-mail is collected, Proactive eDiscovery enhanced and managed in context Search and Analytics with Content Collection and are enabled Advanced Classification ECM Platform
  • 15. Financial Services The business case for transparency Key Benefit buckets Insurance Savings Process Savings Infrastructure Savings Records Litigation Management Support & Compliance Labor ts Be nef i
  • 16. Case Study: A national bank develops e-discovery capability – Current state – $75 billion dollar asset regional US bank operating under a national charter in 10 states.  – No formal policy to delete or otherwise reduce the amount of data held across the  institution. Some kept, some discarded, no discipline.  – No metadata or tagging process to identify data and its value – Email archiving done via an automated tool but no classification system – A data warehouse exists which is under separate governance and policy must address  all data in the institution that is kept in the enterprise data warehouse. – Coordination with governance resources over the data warehouse is recognized as a  fundamental need.  – While bank has not outsourced significant business processes, it is evaluating several  BPO/ITO options. Policy should provide for this potential • Include unstructured electronic data including credit files, loan documents, legal documents  and vendor contracts  • Back up vendor has all servers in a storage area network (SAN) – need to extend policy to  vendor.
  • 17. Case study: a national bank’s compliance with e-discovery policy – Developed an e‐discovery policy with a process and IT roadmap – Prior to policy setting, the bank established a means to decide its  retention goals • The value of information to the bank – with a classification  system  • Risk assessment of keeping information of different types – with amelioration strategies E‐discovery policy must coordinate with policies on physical assets  as well as electronic assets – but won’t day one.
  • 18. Financial Services Outsourcing can be another ally • Make it someone else’s  responsibility too • Make your KPI’s their SLA’s • Reduce your costs • Leverage community  “learning” and assets – Best practices – Someone else’s SAS 70 – Analytics as a Service trained  on a global sample
  • 19. Financial Services ROI of Compliant Information Management Automate Enforce records decisions, clean retention to reduce up legacy data – save up to 17 2 3 eDiscovery and storage costs by cents per 50-80% document Leveraging a common infrastructure accelerates cost 4 1 reduction Control Growth, Optimize remove duplicate eDiscovery data – reduce decisions to storage costs by reduce costs by 50%-80% up to 80%
  • 20. Financial Services The No Paper Weight Program Save money. Risk less. Know more. Go green. • IBM Assessment Expertise – New:  Free No Paper Weight ½ Day Checkup at no obligation • Register here:   https://www.informationmanagementrequest.com/mk/g et/npw0509rp – In‐depth No Paper Weight Prescriptive Assessments now  available from the IBM Centre of Excellence for Compliant  Information Management • IBM Solutions – Agile ECM solutions for Content, Process, Compliance and  Discovery – Information Infrastructure solutions
  • 21. Financial Services Get Connected with IBM and our Risk Community Websites enabling you to engage with our Subject Matter Experts IBM Offerings & Capabilities Educational Videos, White Papers and Blogs http://www.ibm.com/banking/risk by Risk Subject Matter Experts http://www.risktech.financetech.com Social Network Groups for Financial Services where risk isn’t the only topic http://www.linkedin.com/groups?gid=1946782 http://www.linkedin.com/groups?gid=1894930
  • 23. Resources  To View This or Other Events On‐Demand Please Visit: http://www.techweb.com/webcasts For more information on this topic please visit: IBM Offerings & Capabilities RiskTech for Educational Videos, White Papers http://www.ibm.com/banking/risk and Blogs by Risk Subject Matter Experts http://www.risktech.financetech.com Social Network Groups for Financial Services where risk isn’t the only topic http://www.linkedin.com/groups?gid=1946782 http://www.linkedin.com/groups?gid=1894930