Retail, Business & Digital Banking
Everyday banking, deposits, cards, digital channels and customer servicing.
Banking
Payments & Transaction Banking
Payments run all day, every day — the operation and platforms behind them have to keep pace.
Overview
Payments and transaction banking depend on platforms, data, connectivity and operations working together under time pressure. When breaks, exceptions or reconciliation gaps appear, service quality and control deteriorate quickly.
Capmark helps banks improve the platforms, operations and controls behind payment flows. We work across payment engines, scheme connectivity, ISO 20022 data, reconciliation, exception handling, service performance and client reporting.
The outcome is a payments operation that is faster, better controlled and easier to scale as infrastructure and client expectations change.
What we do
We define the roles, processes, controls, service model and operating rhythm behind payments operations. Ownership is clear across front office, operations, technology, risk and third parties.
We support payment-engine, workflow and integration change through design, build, testing, cutover and hypercare. We plan migration and parallel run so service continuity is protected.
We support connectivity to payment schemes, open-banking interfaces, SWIFT, ISO 20022 and bank or client channels. Interfaces are documented, monitored and reconciled.
We redesign reconciliations, repair root-cause data issues and build exception queues with ownership, ageing and escalation. Breaks are reduced rather than simply worked harder.
We build performance measures across timeliness, exceptions, volume, cost, risk and client impact. Reporting comes from the same data the operation uses to run.
What to expect
A Principal leads from day one. The first weeks map payment flows, platforms, interfaces, exception volumes, reconciliation breaks and service performance.
We then agree the target operating model and delivery sequence with payments, technology, risk and operations leaders.
Engagements range from payments operations assessment to full platform, process and control delivery.
Engagements scale with the number of payment flows and platforms in scope.
01
Assess
Establish the current state, the constraints, the risks and the value at stake.
02
Define
Shape the target model and the business case with the executives who own the outcome.
03
Mobilise
Stand up the team, the plan and the governance around the outcome.
04
Implement
Design, build and test the change, with the business alongside.
05
Sustain
Cutover, hypercare and handover, so the business runs it under its own control.
The same five stages on every engagement, led by senior practitioners end to end. How we work
Insights
Related thinking.
Get in touch
Talk to a Partner about Payments & Transaction Banking.
Tell us what needs to change and where the pressure or risk is showing.