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    Integrating and consolidating banking operations haley scarnato dating blake

    Until this year, Citigroup was the only

    Until this year, Citigroup was the only $1 trillion banking organization in the U. Now, there are two more—Bank of America has merged with Fleet Boston, and J. Morgan Chase is about to complete its merger with Bank One.

    ||

    Until this year, Citigroup was the only $1 trillion banking organization in the U. Now, there are two more—Bank of America has merged with Fleet Boston, and J. Morgan Chase is about to complete its merger with Bank One.

    These megamergers are notable not only for their size but also for the geographic scope that the new institutions will serve.

    Indeed, they may signal the beginning of a process for building a truly national banking franchise.

    As mergers continue to shape the structure of the banking industry in the U.

    trillion banking organization in the U. Now, there are two more—Bank of America has merged with Fleet Boston, and J. Morgan Chase is about to complete its merger with Bank One.

    These megamergers are notable not only for their size but also for the geographic scope that the new institutions will serve.

    Indeed, they may signal the beginning of a process for building a truly national banking franchise.

    As mergers continue to shape the structure of the banking industry in the U.

    The engagement team created a proprietary system of integrated, cross-work stream project plans to track progress and dependencies…

    Your approach should depend on your primary business objectives: Purpose Drive efficiency and reduce volume Example: Leading global financial-services firm Operating strategy • In-source operations and maintain shared services • Standardize client-facing processes end to end, reducing process steps by 60% and cycle time by 80% for customer onboarding • Consolidate and rationalize IT, including trading platforms and mortgage servicing systems Simplify and standardize operations around the world Example: London-based bank Culture of continuous improvement Cost Common processes • Standardize IT platforms by country, with minimal customization (This bank standardized 14 countries in one year.) • Reengineer core investment management functions • Install lean business processes • Consolidate regional data centers through IT global shared services • Outsource to cut costs: for example, 50% of the IT development teams in China, India, and Brazil Improve customer experience Example: Local bank dedicated to customer service • Maintain shared services within LOBs with emphasis on client relationships • Standardize client-facing processes end to end; reduce process steps by 60% and cycle time by 80% for customer onboarding • Consolidate and rationalize IT Strategy& 4 These five critical best practices are common across all successful operations transformation initiatives: Customer-back process transformation Product and service simplification • Redesign end-to-end processes based on desired client experience • Analyze trade-offs between the level of customization and the value perceived by the client • Use a structured, consistent methodology to drive change • Minimize customization where the client sees no value (aspects increasingly driven by regulation) • Align cost-versus-complexity trade-offs with the strategic direction of the business • Standardize processes and supporting platforms to drive digitization of client experience Aggressive digitization Governance and performance management transparency Delivery model optimization • Use digital media to create better front-end client interactions (paperless statements, tablet interfaces, etc.) • Implement straight-through processing to avoid manual processing • Form partnerships with niche and nontraditional service providers to build and deploy digital capabilities • Establish and reinforce clear accountabilities, decision rights, and stakeholder roles • Define goals and incentives that are clearly aligned with strategic imperatives • Adhere to a metrics-driven culture with key performance indicators (KPIs), unit cost management, etc.

    • Move to shared-services or utility models to maximize scale and reduce costs within regional banks • Integrate and align process-centric IT operations capabilities • Increase integration of third-party providers into the delivery model to add variation to cost and to build capabilities Source: Booz & Company global benchmarking study of most well regarded operations organizations Strategy& 5 Customer-back process transformation Focus on those few core banking processes that have the greatest impact on your business: …prioritize a few…

    Although every bank’s approach will differ, we suggest five best practices for transforming your bank’s operational model: • • • • • Customer-back process transformation Product and service simplification Aggressive digitization Governance and performance management transparency Delivery model optimization These best practices, along with aligning your operation’s performance goals to your business priorities, will help your bank enhance its most distinctive operations capabilities and meet your transformation objectives.

    Strategy& 3 Banks are transforming their operations.

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