Chang’an Bank Intelligent Monitoring and Management Platform

Client: Chang 'an Bank
Industry: Finance
Products/Solutions: Intelligent Monitoring Management Platform Solution
Keywords: OCR, Post-supervision

Project Background

As business models evolve towards digitalization, self-service, and centralization, the existing risk management and control system of commercial banks can no longer meet the current supervision and management needs, and cannot support the integration of business data of multiple peripheral business system platforms into supervision. This is mainly reflected in the inefficiency of the supervision process and result confirmation caused by reliance on manual identification, manual data entry and manual verification. The supervision models are inflexible with low parameterization, which failed to provide a flexible supervision model according to key business, main areas, and crucial links. The supervisory management process is incomplete, lacking thorough analysis of supervisory data and follow-up management. Besides, the supervision data failed to complement the unified operational risk monitoring platform for risk prevention and control. The existing supervision system has not formed a unified and convenient electronic archive management model; the duplication of transaction images in each business system is common, and there is a lack of centralized management for the digitization, circulation, review, and archiving of operational transactions.
In response to the above-mentioned existing problems, and in line with the trend of electronic and intelligent transformation of management and post-supervision models, commercial banks urgently need to build a safe, stable, efficient, scalable and easy-to-maintain post-supervision system to strengthen the operational risk management and post-supervision management of each channel, and lay a solid foundation for integrated operation risk management and control.

Project Brief

The functions of the intelligent monitoring and management platform mainly include data collection, data storage, real-time risks and post-event risks monitoring, manual supervision, error handling, archive management, data query, data statistics, systematic management, etc,. The system design completely adopts the B/S architecture, with clear business processes and unified data storage. All business operations and system maintenance are integrated into the single platform. The platform provides a variety of system integration methods and standardized service call interfaces. It integrates with the OCR platform, the identity verification system, the electronic seal system, the content management platform, and the ODS data warehouse, so as to realize integrated and advanced functional design.

Solution Highlights

1. AI Deep Learning for Continuous Optimization of Recognition Algorithms
The platform is based on AI deep learning recognition algorithms, mature image processing technology and text/form verification technology. There is no license limit, and templates can be established by category to improve the fault tolerance and recognition speed of credentials. For special credentials, the recognition algorithms can be optimized at any time.

1. 2.Intelligent RPA Automation Platform for Automatic Business Supervision

The platform's AI-based recognition engine and the visual configuration ensure the efficiency and success rate of the automated processing workflows.
3. Flexible Supervision Methods and Ratios
The platform has established supervision rules according to the business type, transaction code and amount, and other dimensions, with configurable supervision ratios; it supports re-supervision (cross-review) and spot-check supervision, with configurable ratios, as well as random allocation and the order-snatching modes.
4. Risk Warning for Pending Tasks
The platform has early warning functions for key supervision time limit, and overdue error handling, among others, with a flexible configuration of risk warning models.

System Architecture

Implementation Value (Achievements)

The post-supervision system of the intelligent monitoring and management platform has included supervision of paperless counter transactions, centralized operation centers, remote authorization, intermediary business platforms, direct banking, signing services via online banking/mobile banking counter, third-party depository services, international settlement systems (business with account transactions), financial systems, financial management systems, fund systems, precious metal systems, mobile marketing platforms, super counters and other peripheral systems. It has rich experience in interfacing with paperless counter systems and can directly display PDF files uploaded by the paperless system, and supports the simultaneous display of PDF and business images.