1. Master Data Management in Financial Services Gregg Loos VP Sales MDM October 24, 2008

2. The Battle of Ulm: what’s true?
In 1805 Austria and Russia formed Third Coalition against Napoleon.
Planned Date for the “battle”: October 20th
What happened? No Russians.
Austrian Soldiers:
escaped,
killed or wounded,
and the rest made prisoner.
French Soldiers:
About 6000 killed or wounded.
Gregorian vs Julian calendar?
12 day difference.
First known data quality problem?
© 2006 Oracle Corporation – Proprietary and Confidential

3. Fragmented Information Increases Risk and is Expensive to manage
“The value of information increases exponentially as fragmentation is reduced.”
Ellison’s Law
© 2006 Oracle Corporation – Proprietary and Confidential

4. What are banks doing? Consolidate Information Global visibility through a single source of truth
Consolidate and standardize key operational data
Customers
Employees
Products
Payments
Financial Consolidation
Organizational Hierarchy
Consolidate documents and digital assets
Consolidate servers and storage
Optimize profitability and performance through common analytics and reporting
Insight to Action
“Business that use a formal, enterprise-wide strategy for Global Data Synchronization will realize 30% lower IT costs in integration and data reconciliation at the department level through the rationalization of traditionally separate and distinct IT projects.”
© 2006 Oracle Corporation – Proprietary and Confidential

5. More Competitive, Lower Costs MDM value on the IT Roadmap
Deploy Grid Platform
Standardize
Business
Processes
Consolidate
Applications
& Data
Service
Platform
Optimize
Infrastructure
Source
Application
Management
Outsource Application & Infrastructure Management
Modernize
Core Processes
Modernize applications while transitioning to a lower cost platform
iFlex footprint
Insurace footprint
Application Modernization
Standardize Service Delivery Platform
Integration
Business Intelligence
Process Management
User Interaction
Corporate Services
Improve efficiencies and reduce costs:
Financial Mgmt
Human Capital Mgmt
Procurement
GRC & Performance Mgmt
Facilities & Projects
Front Office
Grow revenue, improve customer retention and reduce cost:
Marketing
Sales & Service
Relationship Mgmt
Collaboration
Information
Improve visibility and reduce cost:
Customers
Financials
Organizations
Data Warehouses
Documents 1 2 3 5 6 7 4
© 2006 Oracle Corporation – Proprietary and Confidential

6. Oracle’s Banking Footprint Complete, Open, Integrated
Third Party
Governance, Risk & Compliance
Lifecycle Management
Customer & Business Insight
Marketing
Selling
Originating
Servicing
Risk Based
Decisioning
Retail
Commercial
Private Wealth Mgmt
Customer Insight
External Interfaces
Customer Experience
Risk Based
Pricing
Customer
Analytics
OFAC
Call Center
Team Selling
Order Mgmt
Internet Banking
CRM & Marketing
Lead Mgmt
Financial
Planning
Platform
Teller
Channel
Analytics
Economic Capital/RAPM
Check Order
Internet Banking
Kiosk
EBPP
Security Trading
Client Servicing
Derivative Pricing
Order
Entry Platform
On Demand
Call Center
Marketing
Analytics
Market Feeds
Product and Transaction Processors
Risk Management
Deposits
Cash Mgmt
Deposits
Savings
Loans
Integration
Market Data
Performance Mgmt
Performance Management
Trade Finance
Operational
Risk
Treasury
Payments
Portfolio Mgmt
Balance & Positions
Loans
Mortgages
Exec Analytics
Asset Mgmt
Syndicated Loans
Structured Derivatives
Fees & Commissions
Profitability
Analytics/RAPM
Compliance & Limits
Market Risk
Investments
Cards (Credit / Debit)
Investor Services
Nostro Recon
Compensation
Lock Box
Funds Transfer
Pricing
Trade Processing
Clearing & Settlement
Credit Risk
Core Banking Ledger
Core Banking Ledger
Reconc
iliation
Payments
Leasing
Leasing
Custody
Operational Excellence
ALM
Master Data Management
Customer Data Hub
Product Hub
Org Hierarchy Hub
Accounting Hub
Credit Risk Hub
Op Intelligence
Fed Wire
HR Analytics
Compliance
Corporate Administration
SWIFT
BASEL II & 1A
Enterprise GL
Consolidation
Budgeting
Profitability Mgmt
Incentive Comp
Analytics Platform
POS
Human Capital Mgmt
Projects
Procurement
Fixed Assets
Real Estate
Portal &
Dashboards
Credit Rating
AML
Enterprise Technology
Business Activity
Monitoring
ACH
SOX
Rich Client F/W
AJAX, Web 2.0
Database (Grid,
Memory, Embed)
Enterprise Content Mgmt
Web Services Orchestration (BPEL)
J2EE Services, ESB and Rules Engine
Other Systems
Business Process
Analytics
Regulatory
Reporting
Systems Mgmt
Directory Services
Web Services Mgmt
Identity Mgmt
Access Mgmt 6

7. Key Business issues driving MDM in Financial Services
Risk & Compliance ie Basel II
Complicated process for client On-Boarding
Poor customer data integration across operating divisions
Disconnected Governance processes for stewarding information
High Data Management Costs for reconciliation
Inflexible system infrastructure to support “Customer Centricity” programs ie Account Centric vs Customer Centric
M&A!!!
© 2006 Oracle Corporation – Proprietary and Confidential

8. MDM example in Capital Markets: Legal Entity and Credit Risk Master Data Management
Key Capabilities of an Oracle Credit Risk Hub:
Sourcing and aggregating multiple vendor feeds and internal systems
Legal Entity Hierarchy Management
Centralization of On boarding and KYC
Risk Concentration Analysis
Risk Aggregation and Reporting
Data Stewardship
Integration with Downstream Systems
ROI Opportunities:
Improve Risk Profiles
Reduce Regulatory Capital
Rationalize Data Provider Spending
Reduce Manual costs
Reduce system integration costs
© 2006 Oracle Corporation – Proprietary and Confidential

9. XYZ Bank will benefit by creating an integrated view of Risk…..
Fulfills key elements of Basel II compliance
Greater accuracy in capital allocation
Faster reaction to changes in risk exposure
Increased trade execution automation
Reduced costs of data management
© 2006 Oracle Corporation – Proprietary and Confidential

10. Oracle Credit Risk Hub Highlights
Speed of Deployment (Phase Days)‏
Lowest Risk/Lowest Cost Integration
Hub can be leveraged across the Enterprise to include other divisions, entity types (eg.Contacts)
Link to Retail Business
Manage multiple versions of Customer across business lines ie Operations view, Credit view, Sales view
Deep MDM Industry experience
Large Oracle Partner channel
© 2006 Oracle Corporation – Proprietary and Confidential

11. Oracle Legal Entity and Credit Risk Hub
Business Features
Complete and accurate view of the legal entity to feed risk analysis and other downstream trading systems
Aggregate risk exposure and profitability
Active monitoring of changes and transactions
Front Office/Customer Facing Applications
Business Users
Call Center
SFA
Trading
Desk …n
ERM
Enrichment Sources
D&B
Real-time/near real-time Master Data
Data Stewards
Oracle Hub stores relevant counterparty reference data and associates transaction data creating rule based events
Legal Entity and Credit Risk Hub
Universal Customer Master
BANKSCOPE
Real time/ Batch
Master Data
Middleware
Data Quality
De-duplication
Party Data Model
Customer Management
Privacy
AVOX
Real-time/near real-time Master Data
IT Features
Persists master data with references to transactional data
Complete metadata management
Rules-based configuration
Service-oriented architecture
Application Integration Foundation
Collateral
Mgmt
Limit System
Internal Ratings
Risk Analysis
Scenario
Analysis
Security Master …n
Business Users
Downstream Applications
© 2006 Oracle Corporation – Proprietary and Confidential

12. Oracle Enterprise Master Data Management The most complete MDM offering in the market today
New
Data Governance
Operational
Systems
Analytical
Systems
Analytical MDM Apps
Operational MDM Apps
Siebel
New
EBS DW
SAP
Customer
Supplier
Product
Site
Financial
Analytical
BI &Datamarts
PSFT
Planning
JDE
Oracle / Hyperion Data Relationship Management
Oracle
Customer Hub
Oracle
Product Hub
Oracle
Site Hub
Financial Consolidation
Custom Apps
External
Apps
Budgeting
Application Integration Architecture
Oracle Fusion Middleware
© 2006 Oracle Corporation – Proprietary and Confidential

13. Application Integration Architecture – Composite Business Processes – Beyond Middleware
Oracle Application Integration Architecture
Business Process Models Provide foundation for understanding your business
Pre-built Processes Connect across applications quickly
Enterprise Business Services Reduce the time to deploy and change
Enterprise Business Objects Enable any application to plug into processes
Application Business Conn. Svc. Application specific service translation and transformation
Best Practice Industry Processes
Pre-built Sustainable Integrations
Common Objects and Services
Open Standards Based Foundation
Connector
Connector
Connector
Connector
Customer Relationship Management
Billing and Revenue Management
Service Fulfillment
Master Data
© 2006 Oracle Corporation – Proprietary and Confidential

14. Partner Focus for Oracle MDM
Focus on working 70% of the opportunities with Partners
Implementations drive 2x-5x Services to Software revenue
Data Governance and oversight
Retail Banking, Wealth Mgmt, Capital Markets
Life Insurance, Property and Casualty
Payers
Partner Enablement program
© 2006 Oracle Corporation – Proprietary and Confidential

15. MDM Resources – Co-Prime Sales
Mike Rosser
Group VP
Chicago
Gregg Loos
MDM VP
San Fran
Christopher Dwight
Bus Dev
Austin
Jonathan Beinke
MDM Rep
Mark Bryan
Jim Burke
Ted Carroll
New York
Tom Kight
Atlanta
John Parker DC
Ron Sachs
Lee Jacobs
Rochester
Kevin Bugg
Denver
TBH
© 2006 Oracle Corporation – Proprietary and Confidential

16. MDM Resources - Presales
Rick Beck
Group VP
San Fran
Bruce Hamman
Presales
Seattle
Piyush Ruparelia
Charlotte
Yogesh Sharma
Detroit
Phillip Nifong
Dallas
Drew Wilson
Bryan Lester
Gino Fortunato
Steve Singleton
Director MDM Soln Architects
Atlanta
Dan Gage
Soln Arch
Columbia
Mike Hammond
Bridgewater
Shirley Hoffman
Los Angeles
© 2006 Oracle Corporation – Proprietary and Confidential

17. Other Key DRM Resources
David Butler
Marketing
San Diego
Pascal Laik
MDM Strategy
San Fran
Manoj Tahiliani
CDM Verticals
Rohit Tandon
MDM Refs
Chicago
Dhiman Bhattacharjee
MDM ROI Specialist
Neeraj Gokhale
Fusion MDM
© 2006 Oracle Corporation – Proprietary and Confidential