Case study
A Global Corporate & Investment Bank · Client Onboarding & Credit Operating Model
At a glance
The engagement
A global corporate and investment bank engaged Capmark to spearhead the implementation of its global client onboarding and credit target operating model, creating one consistent way of onboarding clients and managing credit across 38 countries, against a £50 million benefits-realisation target.
The challenge
Onboarding and credit processes had grown up country by country: inconsistent controls, duplicated roles and fragmented technology, at exactly the moment the bank's conduct commitments under a US deferred prosecution agreement demanded provable, globally consistent control. Country operations also carried the integration impacts of merger and acquisition activity, which the single operating model had to absorb without losing control.
Our approach
We led a team of ten consultants through design and implementation, funded on a cost-to-achieve model against a £50 million benefits target.
01
Implemented one onboarding and credit operating model across 38 countries: process, controls and governance made consistent where they had grown apart, absorbing the country integration impacts of merger and acquisition activity across wholesale banking.
02
Recalibrated 110 roles to the new model, separating client-facing, control and processing accountabilities.
03
Integrated the onboarding and credit impacts of merger and acquisition activity into the single target operating model: acquired and in-country client portfolios, controls, workflows and data aligned to one global standard, so newly integrated operations ran on the model rather than as exceptions to it.
04
Oversaw all changes to the credit-risk platform: requirements, solution design, data gap analysis and mapping, test execution and go-live, delivered through Agile.
05
Selected to drive the bank's commitments under its US deferred prosecution agreement, relocating to New York to deliver alongside regional teams.
The outcome
The bank moved from country-by-country onboarding to one globally consistent operating model, with 110 roles recalibrated, the credit platform re-engineered and delivery aligned to the conduct commitments US authorities were watching, against a £50 million benefits-realisation target.
More client results
Get in touch
From a one-month gap analysis to a multi-year transformation programme, we engage at the stage that fits. Talk to a Partner about what good would look like.
